:root{--navy:#173858;--navy-dark:#0c2438;--ink:#1d2b36;--muted:#5d6b75;--surface:#f3f6f7;--line:#d7e0e4;--white:#fff;--green:#287058;--green-soft:#e9f4ef;--accent:#1f5fa8;--accent-hover:#184c87;--accent-soft:#e8f0f8;--font:"Inter",ui-sans-serif,system-ui,sans-serif;--shadow:0 4px 20px rgba(0,0,0,.08);--max:75rem}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:88px}body{margin:0;background:linear-gradient(180deg,#4d4e4e 0%,#716861 30%,#8a7968 55%,#a6865a 85%,#ac854e 100%) fixed;color:var(--ink);font:400 1rem/1.65 var(--font);-webkit-font-smoothing:antialiased;overflow-wrap:break-word}button,input{font:inherit}button{cursor:pointer}a{color:var(--accent);text-underline-offset:.2em}a:hover{color:var(--accent-hover)}img,svg{display:block;max-width:100%}img{height:auto}figure{margin:0}:focus-visible{outline:3px solid var(--accent);outline-offset:4px;box-shadow:0 0 0 7px var(--accent-soft)}.container{width:min(calc(100% - 48px),var(--max));margin-inline:auto}.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.skip-link{position:fixed;z-index:200;top:8px;left:8px;transform:translateY(-200%);padding:12px 20px;border-radius:12px;background:var(--navy-dark);color:#fff}.skip-link:focus{transform:none}h1,h2,h3{margin:0 0 16px;font-weight:800;line-height:1.12;letter-spacing:-.035em;text-wrap:balance}h1{font-size:clamp(2.2rem,4.3vw,4.2rem)}h2{font-size:clamp(1.75rem,3.4vw,2.8rem)}h3{font-size:1.25rem;line-height:1.3;letter-spacing:-.02em}em{font-style:normal}p{margin:0 0 16px;max-width:70ch}p:last-child{margin-bottom:0}.eyebrow{margin-bottom:10px;color:var(--accent);font-size:.75rem;line-height:1.4;font-weight:800;letter-spacing:.1em;text-transform:uppercase}
.button{display:inline-flex;min-height:48px;align-items:center;justify-content:center;gap:10px;padding:12px 20px;border:1px solid transparent;border-radius:12px;font-weight:700;line-height:1.3;text-align:center;text-decoration:none;transition:transform 180ms,background 180ms,border-color 180ms,box-shadow 180ms}.button:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.14)}.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-hover);color:#fff}.btn-secondary{border-color:var(--line);background:#fff;color:var(--accent)}.btn-secondary:hover{border-color:var(--accent);background:var(--accent-soft);color:var(--accent-hover)}.btn-lg{min-height:52px}.button svg{width:20px;height:20px;flex-shrink:0}.button.text-button{padding-inline:8px;background:transparent}.hero-actions,.card-actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:20px}.hero-actions>.button,.card-actions>.button{flex:1}.download-status{flex:0 0 100%;min-height:22px;margin:0;color:var(--muted);font-size:.8rem;line-height:1.5}
.site-header{position:sticky;z-index:80;top:0;border-bottom:1px solid var(--line);background:#fff}.header-inner{position:relative;display:flex;width:min(calc(100% - 48px),var(--max));height:64px;align-items:center;justify-content:space-between;gap:18px;margin:auto}.brand{display:inline-flex;align-items:center;gap:10px;color:var(--ink);font-size:1.06rem;font-weight:700;letter-spacing:-.025em;text-decoration:none;white-space:nowrap}.brand b{color:var(--accent)}.brand-mark{display:grid;width:32px;height:32px;grid-template-columns:repeat(3,1fr);gap:3px;padding:7px 5px 5px;border:2px solid var(--accent);border-radius:8px;background:#fff;position:relative}.brand-mark:before{position:absolute;top:5px;left:0;right:0;border-top:2px solid var(--accent);content:""}.brand-mark span{background:var(--accent);border-radius:2px}.site-nav{display:flex;align-items:center;gap:3px}.site-nav a{padding:10px 9px;border-radius:8px;color:var(--ink);font-size:.8rem;font-weight:700;text-decoration:none}.site-nav a:hover,.site-nav a[aria-current]{color:var(--accent);background:var(--accent-soft)}.header-cta{min-height:42px;padding:9px 14px;font-size:.8rem;white-space:nowrap}.menu-button{display:none;width:44px;height:44px;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}.menu-button svg{width:24px;height:24px}
.hero{padding:40px 0 24px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);grid-template-areas:"copy visual" "tool visual" "benefits visual";gap:20px 32px;align-items:start}.hero-copy{grid-area:copy;color:#fff;min-width:0}.hero-copy h1{max-width:20ch}.hero-copy .eyebrow,.hero-copy a{color:#fff}.hero-lead{font-size:1rem;line-height:1.65;margin-bottom:0}.hero-visual{grid-area:visual;align-self:stretch;position:relative;min-width:0}.hero-photo{height:100%;min-height:420px;overflow:hidden;border-radius:16px;background:var(--surface);box-shadow:var(--shadow)}.hero-photo img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover;object-position:58% center;border-radius:16px}.hero-card{position:absolute;bottom:16px;left:16px;right:16px;display:flex;gap:12px;align-items:center;padding:14px 16px;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:var(--shadow)}.hero-card-icon{display:grid;width:40px;height:40px;flex-shrink:0;place-items:center;border-radius:10px;background:var(--accent-soft);color:var(--accent);font-weight:800}.hero-card strong,.hero-card div span{display:block}.hero-card strong{font-size:.9rem}.hero-card div span{color:var(--muted);font-size:.8rem}.hero-benefits{grid-area:benefits;display:grid;gap:12px;min-width:0}.hero-points{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}.hero-points li{padding:5px 9px;border-radius:8px;background:var(--green-soft);color:var(--ink);font-size:.75rem;font-weight:700}.hero-points span,.check-list span{color:var(--green);font-weight:800}.download-card,.secondary-tool-card{grid-area:tool;min-width:0;padding:24px;border:1px solid var(--line);border-top:6px solid var(--accent);border-radius:16px;background:#fff;box-shadow:var(--shadow)}.download-card>.container,.secondary-tool-card>.container{width:100%}.download-card h2,.secondary-tool-card h2{font-size:1.6rem;line-height:1.15;margin-bottom:12px}.download-card .eyebrow{color:var(--green);margin-bottom:8px}.download-card .hero-actions,.secondary-tool-card .hero-actions{margin:0;gap:10px}.download-card .hero-actions>.button{min-width:0;padding:12px;font-size:.9rem}.download-card .download-note{margin:14px 0 0;color:var(--muted);font-size:.875rem;line-height:1.6}.hero-benefits .year-callout{padding:16px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--muted);font-size:.9rem}.hero-benefits .year-callout a{font-weight:700}.hero-preview{height:100%;min-height:420px}.hero-preview img{max-height:480px}.secondary-tool-card>p{color:var(--muted)}
main>section:not(.hero),.year-links{width:min(calc(100% - 48px),var(--max));margin:0 auto 24px;padding:40px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow)}main>section:not(.hero)>.container,.year-links>.container{width:100%}.quick-facts{padding:20px!important}.quick-facts-grid{display:grid;grid-template-columns:repeat(4,1fr)}.quick-facts-grid>div{display:flex;gap:12px;align-items:center;justify-content:center;padding:4px 16px}.quick-facts-grid>div+div{border-left:1px solid var(--line)}.quick-facts strong{font-size:1.75rem;font-weight:800;color:var(--ink)}.quick-facts span{color:var(--muted);font-size:.875rem}.bundle-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}.bundle-copy p{color:var(--muted)}.bundle-copy h2{font-size:1.85rem}.year-promo .bundle-copy+.bundle-copy{padding-left:32px;border-left:1px solid var(--line)}.year-promo .button{margin-top:4px}.section-heading{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:end;margin-bottom:28px}.section-heading h2{max-width:24ch;margin:0}.section-heading>p{color:var(--muted)}.section-heading.compact{grid-template-columns:1fr}.template-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.template-card{display:flex;flex-direction:column;min-width:0;overflow:hidden;border:2px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 4px 20px rgba(31,95,168,.06);transition:transform 180ms,border-color 180ms,box-shadow 180ms}.template-card:has(a):hover,.template-card:focus-within{transform:translateY(-3px);border-color:var(--accent);box-shadow:var(--shadow)}.template-image{position:relative;display:flex;align-items:center;justify-content:center;height:300px;padding:24px 24px 48px;background:var(--surface);border-bottom:1px solid var(--line);overflow:hidden}.template-image img{width:auto;height:auto;max-width:100%;max-height:100%;object-fit:contain;border:1px solid var(--line);box-shadow:0 5px 16px rgba(0,0,0,.1)}.template-image figcaption{position:absolute;right:12px;bottom:10px;left:12px;color:var(--muted);font-size:.7rem;text-align:center}.template-copy{display:flex;flex:1;flex-direction:column;padding:24px}.template-type{align-self:start;display:inline-block;margin:0 0 12px;padding:4px 9px;border-radius:6px;background:var(--accent-soft);color:var(--accent);font-size:.7rem;line-height:1.6;font-weight:700;letter-spacing:.035em}.template-copy>p:not(.template-type){color:var(--muted);font-size:1rem}.template-copy>.button,.template-copy>.card-actions{margin-top:auto}.template-copy>.button{width:100%}.card-actions>.button{font-size:.9rem;padding:12px}.template-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.check-list{display:grid;gap:12px;padding:0;list-style:none}.check-list li{display:flex;gap:10px}.check-list span{display:grid;flex-shrink:0;width:24px;height:24px;place-items:center;border-radius:50%;background:var(--green-soft)}.bundle-files{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-self:center}.file-card{display:flex;flex-direction:column;justify-content:center;min-height:160px;padding:20px;border:1px solid var(--line);border-radius:12px;background:var(--surface)}.file-card>span{color:var(--accent);font-size:1.75rem;font-weight:800}.file-card small{color:var(--muted)}.bundle-files>p{grid-column:1/-1;color:var(--muted);font-size:.875rem}.steps-list,.print-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:0;padding:0;list-style:none}.steps-list li,.print-grid article{padding:24px;border:1px solid var(--line);border-radius:12px;background:var(--surface)}.steps-list li>span,.tip-number{display:inline-flex;width:40px;height:40px;align-items:center;justify-content:center;margin-bottom:20px;border-radius:50%;background:var(--navy);color:#fff;font-size:.875rem;font-weight:700}.steps-list p,.print-grid p{color:var(--muted)}.faq-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:40px}.faq-intro{color:var(--muted)}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{position:relative;min-height:56px;padding:18px 32px 18px 0;font-weight:700;cursor:pointer;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{position:absolute;right:6px;top:14px;content:"+";font-size:1.4rem;color:var(--accent)}.faq-list details[open] summary:after{content:"−"}.faq-list p{padding-bottom:18px;color:var(--muted)}main>section.final-cta{border-color:var(--navy);background:var(--navy);color:#fff}.final-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}.final-cta h2{font-size:2rem;margin:0}.final-cta .eyebrow{color:#fff}.final-cta-inner>.button{flex-shrink:0}.site-footer{margin-top:40px;padding:40px 0;background:var(--navy-dark);color:#c9d6de}.footer-layout{display:grid;grid-template-columns:1.1fr 1fr 1fr;gap:40px;font-size:.875rem}.footer-layout nav{display:grid;grid-template-columns:1fr 1fr;gap:12px}.site-footer a,.footer-brand{color:#fff}.site-footer .brand b{color:#fff}.footer-layout p{margin-top:16px}.footer-contact{text-align:right}.footer-contact>a{overflow-wrap:anywhere}
.year-links{padding:16px 24px}.year-links>.container{display:flex;flex-wrap:wrap;align-items:center;gap:8px}.year-links span{font-size:.75rem;font-weight:700;color:var(--muted)}.year-links a{padding:6px 12px;border:1px solid var(--line);border-radius:8px;font-size:.875rem;text-decoration:none}.year-links a:hover,.year-links a[aria-current]{border-color:var(--accent);background:var(--accent-soft)}.year-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.month-card{min-width:0;padding:16px 12px;border:1px solid var(--line);border-radius:12px;background:#fff}.month-card h3{font-size:1rem}.month-card table{width:100%;border-collapse:collapse;text-align:center;font-variant-numeric:tabular-nums;font-size:.8rem}.month-card th{font-size:.7rem;color:var(--muted)}.month-card th,.month-card td{padding:4px 0}.month-card .wk{color:var(--accent)}.month-card td.sun,.month-card td.red{color:#a62828}.month-card td.red{font-weight:800;border-radius:50%;outline:1px solid #a62828;outline-offset:-2px}.year-note{max-width:70ch;margin-top:24px;color:var(--muted)}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px}.date-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}.date-table th,.date-table td{text-align:left;padding:12px 16px;border-bottom:1px solid var(--line)}.date-table thead th{background:var(--navy);color:#fff;font-weight:700;font-size:.8rem}.date-table tbody tr:nth-child(even){background:var(--surface)}.date-table tbody th{font-weight:700}.date-table tbody tr:last-child>*{border:0}.narrow-text,.fk-text{max-width:70ch}.plain-list{padding-left:20px}.plain-list li{margin-bottom:12px}.legal-main{padding:40px 0 56px}.legal-main>.container{max-width:70ch;padding:32px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow)}.legal-main h1{font-size:2.8rem}.legal-main h2{font-size:1.5rem;margin-top:28px}.legal-main p,.legal-main li{color:var(--muted)}.trust-card{font-size:.95rem}.trust-card .check-list{grid-template-columns:1fr 1fr}.toast[hidden]{display:none}
@media(max-width:1100px){.site-nav a{padding-inline:6px;font-size:.75rem}.header-cta{display:none}.hero-grid{gap:20px 24px}.year-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:900px){.menu-button{display:flex}.site-nav{position:absolute;display:none;top:64px;left:0;right:0;padding:12px;border:1px solid var(--line);border-radius:0 0 16px 16px;background:#fff;box-shadow:var(--shadow)}.site-nav.open{display:grid}.site-nav a{padding:12px;font-size:.95rem}.hero-grid{grid-template-columns:1fr;grid-template-areas:"copy" "tool" "benefits" "visual"}.hero-copy h1{max-width:24ch}.hero-visual{min-height:400px}.hero-photo{min-height:400px}.hero-preview{height:400px;min-height:0}.section-heading,.faq-grid{grid-template-columns:1fr;gap:18px}.steps-list,.print-grid,.template-grid.three{grid-template-columns:1fr}.steps-list li{display:flex;gap:20px}.steps-list li>span{flex-shrink:0;margin-bottom:0}.final-cta-inner{align-items:start;flex-direction:column}.footer-layout{grid-template-columns:1fr 1fr}.footer-contact{text-align:left}.year-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px),(hover:none){body{background-attachment:scroll}}
@media(max-width:600px){.container,.header-inner{width:calc(100% - 32px)}.hero{padding:24px 0}.hero-grid{gap:16px}.hero-copy h1{font-size:2.2rem;line-height:1.08;margin-bottom:12px}.hero-copy .eyebrow{font-size:.7rem;margin-bottom:10px}.hero-lead{font-size:1rem;line-height:1.65}.download-card,.secondary-tool-card{padding:18px;border-top-width:6px}.download-card h2,.secondary-tool-card h2{font-size:1.45rem;margin-bottom:14px}.download-card .hero-actions,.secondary-tool-card .hero-actions{display:grid;grid-template-columns:1fr;gap:10px}.hero-actions>.button{width:100%}.download-card .download-note{font-size:.85rem;margin-top:12px}.hero-points{gap:6px}.hero-points li{font-size:.7rem;padding:5px 7px}.hero-visual,.hero-photo{min-height:320px}.hero-preview{height:340px;min-height:0}.hero-card{bottom:12px;left:12px;right:12px}.hero-card-icon{width:32px;height:32px}.hero-card strong{font-size:.8rem}.hero-card div span{font-size:.7rem}main>section:not(.hero),.year-links{width:calc(100% - 32px);padding:24px 20px;margin-bottom:20px}.quick-facts-grid{grid-template-columns:1fr 1fr}.quick-facts-grid>div{flex-direction:column;gap:0;padding:12px 4px}.quick-facts-grid>div:nth-child(3){border-left:0}.quick-facts-grid>div:nth-child(n+3){border-top:1px solid var(--line)}.quick-facts span{font-size:.75rem}.bundle-grid,.template-grid{grid-template-columns:1fr;gap:24px}.year-promo .bundle-copy+.bundle-copy{border-left:0;border-top:1px solid var(--line);padding:24px 0 0}.bundle-copy h2{font-size:1.6rem}.section-heading{margin-bottom:24px}.template-image{height:250px;padding:20px 20px 44px}.template-copy{padding:20px}.template-copy h3{font-size:1.2rem}.template-copy p{font-size:1rem}.steps-list li{display:block;padding:20px}.steps-list li>span{margin-bottom:16px}.print-grid article{padding:20px}.bundle-files{gap:10px}.file-card{padding:14px}.file-card strong{font-size:.85rem}.file-card small{font-size:.75rem}.faq-grid{gap:24px}.final-cta h2{font-size:1.7rem}.final-cta .button{width:100%}.footer-layout{grid-template-columns:1fr;gap:28px}.site-footer{margin-top:24px}.year-grid{grid-template-columns:1fr}.date-table{min-width:440px}.date-table th,.date-table td{padding:10px 12px;font-size:.85rem}.legal-main{padding:24px 0}.legal-main>.container{padding:24px}.legal-main h1{font-size:2.2rem}.trust-card .check-list{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;transform:none!important}}
@media print{body{background:#fff}.site-header,.site-footer,.hero-actions,.card-actions,.download-status,.hero-visual{display:none!important}.hero-copy,.hero-copy .eyebrow,.hero-copy a{color:#000}.hero-grid{display:block}main>section:not(.hero){width:100%;break-inside:avoid;box-shadow:none}}