:root{
  --canyon:#A6402B; --canyon-dark:#7E2E1E; --terra:#C96A4A; --sand:#E8DCC8;
  --cream:#FBF7F0; --ink:#2A2622; --muted:#6E655C; --sky:#3E7C8C; --line:#E6DBCB;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  color:var(--ink);background:var(--cream);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;line-height:1.15;color:var(--ink);font-weight:700}
a{color:var(--canyon);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
/* header */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hd{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 22px;max-width:1200px;margin:0 auto;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;font-family:'Playfair Display',serif;font-weight:800;font-size:1.28rem;color:var(--ink)}
.brand .mark{width:34px;height:34px;background:var(--canyon);color:#fff;border-radius:8px;display:grid;place-items:center;font-size:1.1rem}
.brand small{display:block;font-family:'Inter',sans-serif;font-weight:500;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
nav.main a{color:var(--ink);font-weight:600;font-size:.86rem;margin-left:18px;white-space:nowrap}
nav.main a:hover{color:var(--canyon);text-decoration:none}
@media(max-width:820px){nav.main{width:100%;overflow-x:auto;padding-top:6px}nav.main a{margin-left:0;margin-right:16px}}
/* hero */
.hero{background:linear-gradient(135deg,var(--canyon-dark),var(--canyon) 55%,var(--terra));color:#fff;padding:64px 0}
.hero h1{color:#fff;font-size:2.6rem;max-width:820px}
.hero p{color:#fbe9df;font-size:1.16rem;max-width:680px;margin-top:14px}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;font-weight:700;color:var(--terra)}
.hero .eyebrow{color:#f6cdbd}
/* article */
main{padding:44px 0}
article h1{font-size:2.3rem;margin-bottom:10px}
article h2{font-size:1.6rem;margin:34px 0 12px;padding-top:6px}
article h3{font-size:1.22rem;margin:24px 0 8px}
article p{margin:0 0 16px}
article ul,article ol{margin:0 0 16px 22px}
article li{margin:6px 0}
.meta{color:var(--muted);font-size:.9rem;margin-bottom:22px}
.lede{font-size:1.2rem;color:#443c34}
blockquote{border-left:4px solid var(--terra);background:#fff;padding:14px 18px;margin:20px 0;border-radius:0 8px 8px 0;color:#443c34}
/* tables */
table{width:100%;border-collapse:collapse;margin:18px 0;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;font-size:.95rem}
th,td{padding:11px 13px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--sand);font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.03em}
tr:last-child td{border-bottom:none}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
.up{color:#1c7a4a;font-weight:600}.down{color:#b4402b;font-weight:600}
/* stat cards */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px;margin:22px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.stat .n{font-family:'Playfair Display',serif;font-size:1.7rem;font-weight:800;color:var(--canyon)}
.stat .l{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-top:2px}
/* cards grid */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin:24px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(120,60,30,.10)}
.card h3{font-size:1.1rem;margin-bottom:6px}
.card p{font-size:.92rem;color:var(--muted);margin:0}
.card a.more{font-weight:600;font-size:.86rem}
.tag{display:inline-block;background:var(--sand);color:var(--canyon-dark);font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:3px 9px;border-radius:20px;margin-bottom:8px}
/* expert / CTA */
.expert{background:#fff;border:1px solid var(--line);border-left:5px solid var(--canyon);border-radius:12px;padding:24px;margin:34px 0;display:flex;gap:20px;align-items:flex-start;flex-wrap:wrap}
.expert .body{flex:1;min-width:260px}
.expert h3{font-size:1.25rem;color:var(--canyon-dark)}
.btn{display:inline-block;background:var(--canyon);color:#fff !important;font-weight:700;padding:12px 22px;border-radius:8px;margin-top:10px;font-size:.95rem}
.btn:hover{background:var(--canyon-dark);text-decoration:none}
.btn.ghost{background:transparent;color:var(--canyon) !important;border:2px solid var(--canyon)}
.section-title{font-size:1.7rem;margin:8px 0 4px}
.divider{height:1px;background:var(--line);margin:30px 0}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:4px 18px;margin:10px 0}
.faq summary{font-weight:700;cursor:pointer;padding:12px 0;font-size:1.02rem}
.faq details[open] summary{color:var(--canyon)}
.faq p{padding:0 0 14px}
/* footer */
footer.site{background:var(--ink);color:#cbbfb2;padding:44px 0 30px;margin-top:50px;font-size:.9rem}
footer.site a{color:#e9dccb}
footer.site h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media(max-width:700px){.fgrid{grid-template-columns:1fr}.hero h1{font-size:2rem}}
.fcol a{display:block;margin:6px 0}
.disc{margin-top:26px;padding-top:18px;border-top:1px solid #3a352f;font-size:.78rem;color:#8a8075}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--muted)}