:root {
  --bg: #fbfaf7;
  --bg-soft: #f3f0ea;
  --surface: #ffffff;
  --surface-muted: #f7f5f0;
  --ink: #24231f;
  --ink-soft: #55524a;
  --muted: #777169;
  --line: #ded8cd;
  --green: #173d35;
  --green-soft: #e7eee9;
  --gold: #b79a5d;
  --shadow: 0 24px 70px rgba(27, 35, 31, 0.11);
  --max: 1180px;
  --narrow: 780px;
  --measure: 620px;
  --radius: 8px;
  --pad-x: clamp(20px, 4vw, 56px);
  --pad-y: clamp(72px, 9vw, 132px);
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: ui-serif, Georgia, "Times New Roman", serif;
  line-height: 1.55;
  letter-spacing: 0;
}

img {
  display: block;
  width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration-thickness: 1px;
  text-underline-offset: 4px;
}

p,
li {
  font-size: 1.125rem;
}

h1,
h2,
h3,
p,
li,
summary {
  overflow-wrap: break-word;
  hyphens: auto;
}

p {
  margin: 0;
  max-width: var(--measure);
}

h1,
h2,
h3 {
  margin: 0;
  font-weight: 500;
  letter-spacing: 0;
  line-height: 1.04;
}

h1 {
  max-width: 780px;
  font-size: 3.55rem;
  hyphens: none;
}

h2 {
  max-width: 780px;
  font-size: 4rem;
}

h3 {
  font-size: 1.75rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 18px var(--pad-x);
  border-bottom: 1px solid rgba(222, 216, 205, 0.72);
  background: rgba(251, 250, 247, 0.91);
  backdrop-filter: blur(18px);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-height: 44px;
  min-width: max-content;
  text-decoration: none;
}

.brand-logo {
  width: 38px;
  height: 38px;
  object-fit: contain;
}

.brand strong {
  display: block;
  color: var(--ink);
  font-size: 0.98rem;
  font-weight: 650;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.75rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(16px, 2.5vw, 34px);
  color: var(--ink-soft);
  font-size: 0.91rem;
}

.nav-links a,
.header-cta {
  text-decoration: none;
}

.nav-links a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

.header-cta {
  min-width: max-content;
  min-height: 44px;
  padding: 12px 18px;
  border: 1px solid var(--green);
  border-radius: 999px;
  color: var(--green);
  font-size: 0.88rem;
  font-weight: 650;
}

.section-pad {
  padding: var(--pad-y) var(--pad-x);
}

section[id] {
  scroll-margin-top: 96px;
}

.narrow {
  max-width: calc(var(--narrow) + (var(--pad-x) * 2));
  margin-inline: auto;
}

.section-shell,
.detail-grid,
.example-shell,
.region-grid,
.split-grid,
.finance-shell,
.mistakes-grid,
.advisor-grid,
.person-shell {
  max-width: calc(var(--max) + (var(--pad-x) * 2));
  margin-inline: auto;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(330px, 0.72fr);
  gap: clamp(34px, 5vw, 68px);
  align-items: center;
  max-width: calc(var(--max) + (var(--pad-x) * 2));
  margin-inline: auto;
  padding-top: clamp(44px, 5vw, 76px);
  padding-bottom: clamp(56px, 7vw, 96px);
}

.hero-copy {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 20px;
  min-width: 0;
}

.hero-subhead,
.section-subhead {
  max-width: 720px;
  color: var(--ink-soft);
  font-size: 1.45rem;
  line-height: 1.48;
}

.hero-copy > p:not(.hero-subhead, .microcopy) {
  max-width: var(--measure);
  color: var(--ink-soft);
}

.hero-media {
  position: relative;
  margin: 0;
  height: clamp(480px, 62svh, 660px);
  overflow: hidden;
  border-radius: var(--radius);
  background: var(--green);
  box-shadow: var(--shadow);
}

.hero-media img {
  height: 100%;
  object-fit: cover;
}

.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(23, 61, 53, 0.03), rgba(23, 61, 53, 0.18)),
    linear-gradient(90deg, rgba(23, 61, 53, 0.1), rgba(23, 61, 53, 0));
  pointer-events: none;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  margin-top: 6px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 13px 20px;
  border-radius: 999px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.94rem;
  font-weight: 650;
  line-height: 1.15;
  text-align: center;
  text-decoration: none;
  transition: transform 180ms ease, background-color 180ms ease, border-color 180ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  border: 1px solid var(--green);
  background: var(--green);
  color: #fff;
}

.button-secondary {
  border: 1px solid var(--line);
  background: transparent;
  color: var(--green);
}

.button-ghost {
  border: 1px solid rgba(255, 255, 255, 0.36);
  background: transparent;
  color: #fff;
}

.button-on-dark {
  border-color: #fff;
  background: #fff;
  color: var(--green);
}

.microcopy {
  color: var(--muted);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.9rem;
}

.text-flow {
  display: grid;
  gap: 22px;
}

.intro-section {
  border-top: 1px solid var(--line);
}

.intro-section h2,
.intro-section .section-subhead {
  margin-bottom: 24px;
}

.question-pair {
  display: grid;
  gap: 12px;
  margin-top: 10px;
  padding-left: clamp(20px, 3vw, 34px);
  border-left: 2px solid var(--gold);
}

.question-pair p {
  color: var(--ink);
  font-size: 1.45rem;
  line-height: 1.4;
}

.calculator-bridge {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: clamp(18px, 4vw, 34px);
  align-items: center;
  margin-top: 8px;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
}

.calculator-bridge h3 {
  margin-bottom: 10px;
  font-size: clamp(1.35rem, 2vw, 1.75rem);
}

.calculator-bridge p {
  color: var(--ink-soft);
}

.cost-section,
.example-section,
.mistakes-section {
  background: var(--bg-soft);
}

.section-heading {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(260px, 0.85fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: end;
  margin-bottom: clamp(34px, 5vw, 64px);
}

.cost-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.cost-card {
  min-height: 250px;
  display: grid;
  align-content: start;
  gap: 16px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.64);
}

.cost-card span,
.detail-number {
  color: var(--green);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.86rem;
  font-weight: 750;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.cost-card p,
.detail-block p,
.example-panel p,
.region-copy p,
.split-grid p,
.finance-grid p,
.mistakes-grid p,
.advisor-copy p,
.person-grid p {
  color: var(--ink-soft);
}

.detail-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}

.detail-block {
  display: grid;
  gap: 22px;
  min-height: 430px;
  padding: clamp(28px, 5vw, 58px);
  background: var(--bg);
}

.detail-wide {
  grid-column: 1 / -1;
  min-height: auto;
  grid-template-columns: minmax(0, 0.72fr) minmax(280px, 0.68fr);
  column-gap: clamp(28px, 5vw, 72px);
  align-items: start;
}

.detail-wide .detail-number {
  grid-column: 1 / -1;
}

.example-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(360px, 0.78fr);
  gap: clamp(34px, 6vw, 84px);
  align-items: start;
}

.example-copy {
  display: grid;
  gap: 24px;
}

.example-panel {
  display: grid;
  gap: 0;
  padding: clamp(24px, 4vw, 42px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.example-row {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink-soft);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

.example-row strong {
  color: var(--ink);
  font-weight: 700;
  text-align: right;
}

.example-totals {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  margin: 24px 0;
  background: var(--line);
  border: 1px solid var(--line);
}

.example-totals div {
  display: grid;
  gap: 8px;
  padding: 20px;
  background: var(--surface-muted);
}

.example-totals span {
  color: var(--muted);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.88rem;
  font-weight: 650;
}

.example-totals strong {
  color: var(--green);
  font-size: 1.28rem;
  line-height: 1.25;
}

.region-grid,
.advisor-grid {
  display: grid;
  grid-template-columns: minmax(320px, 0.82fr) minmax(0, 0.9fr);
  gap: clamp(34px, 6vw, 84px);
  align-items: center;
}

.region-media,
.advisor-media {
  margin: 0;
  overflow: hidden;
  border-radius: var(--radius);
  background: var(--green);
  box-shadow: var(--shadow);
}

.region-media {
  aspect-ratio: 4 / 5;
}

.region-media img,
.advisor-media img {
  height: 100%;
  object-fit: cover;
}

.region-copy,
.advisor-copy {
  display: grid;
  gap: 26px;
}

.split-section {
  border-top: 1px solid var(--line);
}

.split-grid,
.mistakes-grid,
.person-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(320px, 0.82fr);
  gap: clamp(34px, 6vw, 84px);
  align-items: start;
}

.check-list,
.factor-list {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li,
.factor-list li {
  position: relative;
  padding-left: 28px;
  color: var(--ink-soft);
}

.check-list li::before,
.factor-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
}

.finance-section {
  background: var(--green);
  color: #fff;
}

.finance-shell {
  display: grid;
  gap: clamp(32px, 5vw, 58px);
}

.finance-section h2 {
  color: #fff;
}

.finance-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(300px, 0.72fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: start;
}

.finance-grid p,
.finance-grid li {
  color: rgba(255, 255, 255, 0.78);
}

.factor-list {
  padding: clamp(22px, 4vw, 36px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius);
}

.large-list {
  padding-top: 8px;
}

.large-list li {
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
}

.advisor-section {
  background: var(--surface-muted);
}

.advisor-media {
  aspect-ratio: 4 / 5;
}

.person-shell {
  display: grid;
  gap: 32px;
  padding-top: clamp(38px, 5vw, 70px);
  border-top: 1px solid var(--line);
}

.next-section {
  background: var(--bg-soft);
}

.next-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.next-link {
  display: grid;
  gap: 12px;
  min-height: 190px;
  align-content: space-between;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.68);
  text-decoration: none;
  transition: transform 180ms ease, border-color 180ms ease;
}

.next-link:hover {
  transform: translateY(-2px);
  border-color: rgba(23, 61, 53, 0.34);
}

.next-link span {
  color: var(--muted);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.86rem;
  font-weight: 650;
}

.next-link strong {
  color: var(--green);
  font-size: 1.34rem;
  font-weight: 500;
  line-height: 1.2;
}

.faq h2 {
  margin-bottom: 38px;
}

.faq-list {
  display: grid;
  gap: 12px;
}

details {
  border-top: 1px solid var(--line);
  padding: 20px 0;
}

details:last-child {
  border-bottom: 1px solid var(--line);
}

summary {
  display: flex;
  align-items: center;
  min-height: 44px;
  cursor: pointer;
  color: var(--ink);
  font-size: 1.34rem;
  font-weight: 500;
  list-style-position: outside;
}

details p {
  padding-top: 14px;
  color: var(--ink-soft);
}

.contact {
  background: var(--green);
  color: #fff;
}

.contact-inner {
  display: grid;
  gap: 22px;
  max-width: 900px;
  margin-inline: auto;
}

.contact h2 {
  color: #fff;
}

.contact p {
  color: rgba(255, 255, 255, 0.78);
}

.contact-links {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 24px;
  margin-top: 10px;
  color: rgba(255, 255, 255, 0.82);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.95rem;
}

.contact-links a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

.site-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 34px var(--pad-x);
  background: #111d19;
  color: rgba(255, 255, 255, 0.78);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

.site-footer strong {
  color: #fff;
  font-size: 0.98rem;
}

.site-footer p {
  margin-top: 4px;
  font-size: 0.9rem;
}

.site-footer a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: inherit;
}

@media (max-width: 980px) {
  .site-header {
    align-items: flex-start;
  }

  .nav-links {
    display: none;
  }

  .hero,
  .section-heading,
  .example-shell,
  .region-grid,
  .split-grid,
  .finance-grid,
  .mistakes-grid,
  .advisor-grid,
  .person-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 44px;
  }

  .hero-media {
    height: auto;
    aspect-ratio: 4 / 3.4;
  }

  .cost-grid,
  .next-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .detail-grid {
    grid-template-columns: 1fr;
  }

  .detail-wide {
    grid-template-columns: 1fr;
  }

  p,
  li {
    font-size: 1.06rem;
  }

  h1 {
    font-size: 2.8rem;
  }

  h2 {
    font-size: 3rem;
  }

  h3 {
    font-size: 1.48rem;
  }

  .hero-subhead,
  .section-subhead,
  .question-pair p {
    font-size: 1.28rem;
  }

  summary,
  .next-link strong {
    font-size: 1.22rem;
  }
}

@media (max-width: 640px) {
  :root {
    --pad-x: 20px;
    --pad-y: 78px;
  }

  .site-header {
    padding-block: 14px;
  }

  .brand small {
    display: none;
  }

  .brand-logo {
    width: 34px;
    height: 34px;
  }

  .header-cta {
    min-height: 40px;
    padding: 10px 13px;
    font-size: 0.82rem;
  }

  h1 {
    font-size: 2.1rem;
  }

  h2 {
    font-size: 2rem;
  }

  h3 {
    font-size: 1.32rem;
  }

  p,
  li {
    font-size: 1rem;
  }

  .hero-subhead,
  .section-subhead,
  .question-pair p,
  summary,
  .next-link strong {
    font-size: 1.08rem;
  }

  .button,
  .cta-row {
    width: 100%;
  }

  .calculator-bridge {
    grid-template-columns: 1fr;
  }

  .button {
    padding-inline: 16px;
  }

  .hero-media,
  .region-media,
  .advisor-media {
    aspect-ratio: 1 / 1.05;
  }

  .cost-grid,
  .next-grid,
  .example-totals {
    grid-template-columns: 1fr;
  }

  .cost-card {
    min-height: auto;
  }

  .detail-block {
    min-height: auto;
  }

  .example-row {
    display: grid;
  }

  .example-row strong {
    text-align: left;
  }

  .site-footer {
    display: grid;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}