:root{
  --paper:#fbf7ef;--ink:#17211f;--muted:#6b746f;--line:#ddd2c1;--deep:#0d312f;--sage:#b8c7b1;--gold:#d79d45;--foam:#e9f2ed;--rose:#edd7c5;--white:#fffdf9;
  --shadow:0 22px 80px rgba(23,33,31,.13);--radius:28px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}body:before{content:"";position:fixed;inset:0;pointer-events:none;background:radial-gradient(circle at 10% 8%,rgba(215,157,69,.17),transparent 32%),radial-gradient(circle at 90% 0%,rgba(184,199,177,.4),transparent 30%),linear-gradient(90deg,rgba(13,49,47,.05) 1px,transparent 1px),linear-gradient(0deg,rgba(13,49,47,.04) 1px,transparent 1px);background-size:auto,auto,54px 54px,54px 54px;z-index:-1}a{color:inherit;text-decoration:none}.wrap{width:min(1160px,92vw);margin:auto}.nav{position:sticky;top:0;z-index:10;background:rgba(251,247,239,.84);backdrop-filter:blur(18px);border-bottom:1px solid rgba(221,210,193,.7)}.nav-inner{height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:-.04em}.mark{width:42px;height:42px;border:1px solid var(--deep);border-radius:50%;display:grid;place-items:center;background:conic-gradient(from 180deg,var(--deep),var(--sage),var(--gold),var(--deep));color:var(--white);box-shadow:0 8px 20px rgba(13,49,47,.18)}.links{display:flex;gap:8px;flex-wrap:wrap}.links a{padding:10px 13px;border-radius:999px;color:#31403b;font-size:14px}.links a:hover{background:var(--foam)}.hero{padding:78px 0 54px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.18em;color:var(--deep);font-weight:900;font-size:12px}.hero h1{font-family:Georgia,serif;font-size:clamp(48px,7vw,88px);line-height:.91;margin:18px 0 22px;letter-spacing:-.065em}.lead{font-size:20px;color:#46514d;max-width:720px}.actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:28px}.btn{border:1px solid var(--deep);border-radius:999px;padding:13px 18px;font-weight:850;background:var(--deep);color:white}.btn.alt{background:transparent;color:var(--deep)}.hero-card{position:relative;border:1px solid var(--line);border-radius:42px;background:linear-gradient(145deg,#fffdf9,#eef4ed);padding:28px;box-shadow:var(--shadow);overflow:hidden}.hero-card:after{content:"4.9%";position:absolute;right:-16px;top:-38px;font-family:Georgia,serif;font-size:126px;color:rgba(13,49,47,.08);font-weight:900}.meter{height:360px;border-radius:34px;background:var(--deep);color:white;padding:26px;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden}.meter:before{content:"";position:absolute;inset:24px;border:1px solid rgba(255,255,255,.18);border-radius:28px}.rate{font-family:Georgia,serif;font-size:92px;line-height:.8;letter-spacing:-.08em}.fine{color:rgba(255,255,255,.68);font-size:14px;max-width:320px}.bands{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.band{height:54px;border-radius:15px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);padding:9px;font-size:12px}.section{padding:54px 0}.section-title{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:24px}.section h2{font-family:Georgia,serif;font-size:clamp(34px,5vw,58px);line-height:1;margin:0;letter-spacing:-.05em}.section p.max{max-width:650px;color:var(--muted)}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tile,.article-card,.notice{border:1px solid var(--line);border-radius:var(--radius);background:rgba(255,253,249,.82);padding:24px;box-shadow:0 14px 44px rgba(23,33,31,.06)}.tile b{font-size:20px}.num{font-family:Georgia,serif;color:var(--gold);font-size:44px;line-height:1}.split{display:grid;grid-template-columns:.85fr 1.15fr;gap:20px}.panel{background:var(--deep);color:white;border-radius:36px;padding:32px;min-height:360px;display:flex;flex-direction:column;justify-content:space-between}.panel h2{color:white}.panel p{color:rgba(255,255,255,.72)}.check{display:grid;gap:12px}.check div{padding:18px;border:1px solid var(--line);background:rgba(255,253,249,.76);border-radius:22px}.article-card{display:flex;flex-direction:column;gap:13px}.article-card h3{font-family:Georgia,serif;font-size:28px;line-height:1.05;margin:0}.tag{width:max-content;padding:6px 10px;border-radius:999px;background:var(--foam);font-size:12px;font-weight:800;color:var(--deep)}.article{max-width:850px;margin:0 auto;padding:58px 0}.article h1{font-family:Georgia,serif;font-size:clamp(44px,6vw,74px);line-height:.95;letter-spacing:-.06em}.article h2{font-family:Georgia,serif;font-size:34px;margin-top:38px}.article p,.article li{font-size:18px;color:#3d4945}.quote{border-left:5px solid var(--gold);padding:10px 0 10px 22px;background:rgba(255,253,249,.7);border-radius:0 18px 18px 0}.footer{padding:42px 0;border-top:1px solid var(--line);color:var(--muted);font-size:14px}.form{display:grid;gap:12px}.form input,.form textarea{width:100%;padding:15px 16px;border-radius:18px;border:1px solid var(--line);background:#fffdf9;font:inherit}.form button{cursor:pointer}.mini{font-size:13px;color:var(--muted)}@media(max-width:850px){.hero-grid,.split,.grid3{grid-template-columns:1fr}.links{display:none}.meter{height:300px}.rate{font-size:72px}.section-title{display:block}}