:root{
  --ink:#123f3b; --ink2:#1d5450; --sand:#f3eee2; --paper:#faf7ef;
  --gold:#a3853d; --gold2:#8a6d2f; --line:#ddd2ba; --text:#2a2a24; --muted:#6f6e60;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--sand);color:var(--text);
  font-family:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:17px;line-height:1.7}
a{color:var(--ink2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.topbar{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px;flex-wrap:wrap}
.brand{font-family:"Fraunces",Georgia,serif;font-size:26px;font-weight:700;color:var(--ink);text-decoration:none;letter-spacing:.01em}
.brand span{color:var(--gold2)}
nav{display:flex;gap:20px;flex-wrap:wrap;font-size:15px}
nav a{color:var(--text);text-decoration:none}
nav a:hover{color:var(--gold2)}
.hero{position:relative;color:#fdfbf4;overflow:hidden}
.hero img{width:100%;height:78vh;min-height:480px;object-fit:cover;display:block}
.hero .scrim{position:absolute;inset:0;background:linear-gradient(to top,rgba(18,63,59,.82) 0%,rgba(18,63,59,.35) 55%,rgba(18,63,59,.15) 100%)}
.hero .inner{position:absolute;left:0;right:0;bottom:0}
.hero .inner .wrap{padding-bottom:64px}
.eyebrow{font-size:12px;letter-spacing:.24em;text-transform:uppercase;font-weight:600;color:var(--gold)}
.hero .eyebrow{color:#d9bc72}
h1,h2,h3{font-family:"Fraunces",Georgia,serif;color:var(--ink);line-height:1.2}
h1{font-size:58px;margin:12px 0 14px;max-width:820px}
.hero h1{color:#fdfbf4}
.lede{font-size:20px;line-height:1.65;max-width:720px}
.hero .lede{color:#f3eee2}
section{padding:72px 0}
section + section{border-top:1px solid var(--line)}
h2{font-size:36px;margin:0 0 10px}
h3{font-size:24px;margin:0 0 8px}
.sub{color:var(--muted);max-width:720px;margin:0 0 32px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid.two{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.grid,.grid.two{grid-template-columns:1fr}h1{font-size:40px}.hero img{height:62vh}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:14px;overflow:hidden;
  box-shadow:0 12px 30px rgba(18,63,59,.07)}
.card img{width:100%;height:210px;object-fit:cover;display:block}
.card .body{padding:24px}
.card p{margin:0 0 14px}
.cap{font-size:13px;color:var(--muted);padding:10px 16px 0}
.btn{display:inline-block;background:var(--ink);color:#fdfbf4;padding:13px 24px;border-radius:999px;
  text-decoration:none;font-weight:600;font-size:15px}
.btn:hover{background:var(--ink2);color:#fdfbf4}
.btn-ghost{display:inline-block;border:1px solid var(--gold);color:var(--ink);padding:12px 22px;border-radius:999px;
  text-decoration:none;font-weight:600;font-size:15px}
.btn-ghost:hover{color:var(--gold2)}
.factbox{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:10px;padding:22px 26px;margin:28px 0}
.factbox h3{margin-top:0}
table{width:100%;border-collapse:collapse;background:var(--paper);border:1px solid var(--line);border-radius:10px;overflow:hidden}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--sand);font-size:14px;letter-spacing:.06em;text-transform:uppercase}
.small{font-size:14px;color:var(--muted)}
.note{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:36px;padding-top:18px}
.banner{height:46vh;min-height:300px;position:relative;overflow:hidden}
.banner img{width:100%;height:100%;object-fit:cover;display:block}
.banner .scrim{position:absolute;inset:0;background:linear-gradient(to top,rgba(18,63,59,.78),rgba(18,63,59,.15))}
.banner .inner{position:absolute;left:0;right:0;bottom:0}
.banner h1{color:#fdfbf4;font-size:48px}
.pros,.cons{margin:10px 0;padding-left:20px}
.pros li::marker{color:var(--gold2)}
.calc{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:28px;
  box-shadow:0 12px 30px rgba(18,63,59,.07)}
.calc label{display:block;font-weight:600;margin:16px 0 6px}
.calc select,.calc input{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;
  font-size:16px;background:#fffdf7}
.calc .result{margin-top:22px;padding:20px;background:var(--sand);border-radius:10px}
.calc .result b{font-family:"Fraunces",Georgia,serif;font-size:30px;color:var(--ink)}
footer{background:var(--ink);color:#d8d5c8;margin-top:0}
footer .wrap{padding-top:48px;padding-bottom:48px}
footer a{color:#e8ddba}
footer h3{color:#fdfbf4}
.footgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:820px){.footgrid{grid-template-columns:1fr}}