:root{--ink:#102a2a;--pine:#143f3b;--mint:#dfece6;--paper:#f7f4ed;--red:#b6403a;--gold:#d7a44c;--white:#fff;--line:#d7ddd8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.55}.wrap{max-width:1180px;margin:auto;padding-left:28px;padding-right:28px}.top{height:78px;padding:0 4vw;display:flex;align-items:center;justify-content:space-between;background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #e6e6e2}.brand{display:flex;gap:10px;align-items:center;font-weight:800;letter-spacing:.02em;text-decoration:none;color:var(--ink);font-size:20px}.mark{width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center}.top nav{display:flex;gap:28px}.top nav a{color:var(--ink);text-decoration:none;font-size:14px;font-weight:700}.menu{display:none;background:none;border:0;font-size:24px}.hero{height:680px;position:relative;overflow:hidden;background:#1d3433}.hero>img{width:100%;height:100%;object-fit:cover}.shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,28,28,.86),rgba(7,28,28,.25) 65%,rgba(7,28,28,.05))}.heroCopy{position:absolute;left:max(6vw,40px);top:50%;transform:translateY(-50%);max-width:720px;color:#fff}.eyebrow,.kicker{font-size:12px;letter-spacing:.18em;font-weight:800;text-transform:uppercase;color:var(--red)}.kicker.light{color:#f2c46d}.hero h1{font-family:Georgia,serif;font-size:clamp(52px,7vw,92px);line-height:.95;margin:18px 0 22px;max-width:760px}.hero p{font-size:20px;max-width:650px}.actions{display:flex;gap:12px;margin-top:30px}.btn{display:inline-flex;min-height:48px;align-items:center;padding:0 20px;border-radius:4px;border:1px solid transparent;text-decoration:none;font-weight:800;cursor:pointer}.primary{background:var(--red);color:#fff}.ghost{border-color:#fff;color:#fff}.ticker{display:flex;justify-content:center;gap:0;background:#fff;border-bottom:1px solid var(--line);overflow:auto}.ticker span{padding:14px 22px;white-space:nowrap;font-size:12px;font-weight:700;border-right:1px solid var(--line)}.editorial{padding-top:90px;padding-bottom:90px;display:grid;grid-template-columns:150px 1fr 320px;gap:42px}.lead h2,.sectionHead h2,.guide h2,.faq h2,.calculator h2,.contact h2{font-family:Georgia,serif;font-size:44px;line-height:1.05;margin:8px 0 22px}.big{font-size:19px}.editorial aside{border-top:4px solid var(--red);padding-top:18px}.editorial ul{padding-left:18px}.planner{background:var(--pine);color:#fff;padding:78px 0}.planGrid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.planGrid h2,.about h2{font-family:Georgia,serif;font-size:48px;line-height:1.05;margin:10px 0}.progress{height:8px;background:#315a56;margin:25px 0 10px}.progress i{display:block;height:100%;width:0;background:var(--gold);transition:.3s}.checks{display:grid;grid-template-columns:1fr 1fr;gap:12px}.checks label{background:#1d4b46;padding:17px;border:1px solid #35625d}.checks input{width:18px;height:18px;margin-right:10px}.ideas,.guide,.faq,.calculator,.contact{padding-top:90px;padding-bottom:90px}.sectionHead{max-width:650px}.stories{display:grid;grid-template-columns:1.5fr .75fr .75fr;gap:20px;margin-top:35px}.stories article{background:#fff;padding:28px;border-top:3px solid var(--gold)}.stories .feature{padding:0;overflow:hidden}.feature img{width:100%;height:290px;object-fit:cover}.feature div{padding:28px}.stories span{font-size:11px;letter-spacing:.15em;font-weight:bold;color:var(--red)}.stories h3,.guide h3{font-family:Georgia,serif;font-size:26px;line-height:1.15}.guide{border-top:1px solid var(--line)}.guideCols{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.guideCols article{border-left:1px solid var(--line);padding-left:24px}.guideCols b{font-size:12px;color:var(--red)}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:70px;background:#fff;max-width:1180px;margin:0 auto;padding-left:55px;padding-right:55px}.calculator form{display:grid;gap:14px}.calculator label{font-weight:bold;font-size:13px}.calculator input,.calculator select,.contact input,.contact textarea{width:100%;padding:14px;border:1px solid #c8cfca;background:#fff;font:inherit;margin-top:6px}.calculator output{background:var(--mint);padding:18px;font-weight:800}.faq details{border-top:1px solid #c8cfca;padding:18px 0}.faq summary{font-weight:800;cursor:pointer}.faq details:last-child{border-bottom:1px solid #c8cfca}.about{background:#b6403a;color:#fff;padding:90px 0}.aboutGrid{display:grid;grid-template-columns:1fr 1fr;gap:70px}.contact{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.contact form{display:grid;gap:12px}.contact textarea{min-height:130px}.consent{font-size:13px}.consent input{width:auto;margin-right:8px}footer{background:#0b2725;color:#fff;padding-top:60px}.foot{display:grid;grid-template-columns:1.2fr .7fr 1fr;gap:50px}.foot .brand{color:#fff}.foot button{display:block;background:none;border:0;color:#fff;padding:5px 0;text-decoration:underline;cursor:pointer}.copy{margin-top:45px;border-top:1px solid #31504e;padding:18px 6vw;font-size:12px}.cookie{position:fixed;z-index:40;bottom:20px;left:20px;right:20px;max-width:760px;margin:auto;background:#fff;padding:20px 24px;box-shadow:0 15px 60px #0004;border:1px solid var(--line)}.cookie div{display:flex;gap:10px;flex-wrap:wrap}.cookie button{padding:11px 14px;border:1px solid var(--pine);background:#fff}.cookie #accept{background:var(--pine);color:#fff}dialog{max-width:720px;width:calc(100% - 30px);border:0;padding:36px;box-shadow:0 20px 80px #0006}dialog::backdrop{background:#0008}.close{float:right;border:0;background:none;font-size:30px}.hidden{display:none!important}@media(max-width:800px){.top nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:20px;flex-direction:column}.top nav.open{display:flex}.menu{display:block}.hero{height:620px}.heroCopy{left:24px;right:24px}.editorial,.planGrid,.aboutGrid,.contact,.calculator{grid-template-columns:1fr}.editorial{gap:20px}.stories{grid-template-columns:1fr}.checks{grid-template-columns:1fr}.guideCols{grid-template-columns:1fr}.calculator{margin:0 18px;padding:50px 24px}.foot{grid-template-columns:1fr}.hero h1{font-size:54px}}
/* visual editorial upgrade */
body{background:#f7f5ef;color:#17231f}.top{background:rgba(247,245,239,.92);backdrop-filter:blur(16px);border-bottom:1px solid rgba(20,50,40,.09)}
.hero{min-height:78vh;border-radius:0 0 42px 42px;overflow:hidden}.hero img{filter:saturate(.9) contrast(1.03)}.hero .shade{background:linear-gradient(90deg,rgba(8,25,21,.82) 0%,rgba(8,25,21,.5) 45%,rgba(8,25,21,.08) 80%)}.heroCopy{max-width:720px}.heroCopy h1{font-size:clamp(3.2rem,7vw,6.8rem);line-height:.92;letter-spacing:-.055em}.heroCopy p{font-size:1.18rem;max-width:610px}
.editorial{padding-top:110px;padding-bottom:110px}.lead h2,.sectionHead h2,.guideTitle h2,.calculator h2,.faq h2{letter-spacing:-.04em}.sectionIntro{max-width:680px;font-size:1.08rem;color:#5b665f}
.ideas{padding-top:105px;padding-bottom:120px}.photoStories{display:grid;grid-template-columns:1.35fr .85fr;gap:22px;margin-top:38px}.photoCard{position:relative;min-height:390px;border-radius:26px;overflow:hidden;background:#14241e;box-shadow:0 24px 55px rgba(18,42,33,.14)}.photoCard.wide{grid-row:span 2;min-height:802px}.photoCard img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover;transition:transform .6s ease}.photoCard:hover img{transform:scale(1.025)}.photoCard:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 35%,rgba(8,24,19,.82) 100%)}.photoText{position:absolute;z-index:2;left:30px;right:30px;bottom:28px;color:white}.photoText span{font-size:.72rem;font-weight:800;letter-spacing:.14em}.photoText h3{font-size:clamp(1.65rem,2.7vw,2.65rem);line-height:1.02;margin:.5rem 0 .7rem}.photoText p{max-width:580px;color:rgba(255,255,255,.84);margin:0;line-height:1.55}
.visualBreak{max-width:1400px;margin:0 auto 110px;min-height:520px;border-radius:34px;overflow:hidden;position:relative;display:flex;align-items:end}.visualBreak img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:brightness(.72)}.visualBreak:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(9,28,22,.82),rgba(9,28,22,.08) 70%)}.visualBreak>div{position:relative;z-index:2;color:#fff;padding:58px;max-width:760px}.visualBreak h2{font-size:clamp(2.4rem,5vw,4.6rem);line-height:.98;letter-spacing:-.05em;margin:.4rem 0 1rem}.visualBreak p{font-size:1.08rem;color:rgba(255,255,255,.84)}
.guideCols article{background:#fff;border:1px solid #e6e4dc;border-radius:22px;padding:30px;box-shadow:0 12px 30px rgba(20,50,40,.05)}.planner{border-radius:36px;margin:0 18px}.calculator{background:#fff;border-radius:30px;padding:50px;box-shadow:0 18px 45px rgba(20,50,40,.07)}.faq details{background:#fff;border-radius:16px;margin:10px 0;padding:4px 20px;border:1px solid #e8e5dc}.about{border-radius:38px 38px 0 0}
@media(max-width:800px){.hero{min-height:700px;border-radius:0 0 26px 26px}.heroCopy h1{font-size:3.6rem}.photoStories{grid-template-columns:1fr}.photoCard.wide{grid-row:auto;min-height:520px}.photoCard{min-height:420px}.visualBreak{margin-left:14px;margin-right:14px;border-radius:24px;min-height:580px}.visualBreak>div{padding:32px}.calculator{padding:28px}.planner{margin:0 10px}}