:root{
  --paper:#EEF3EE; --card:#FFFFFF; --ink:#17251E; --muted:#56655C; --rule:#C9D6CC;
  --green:#145A3A; --green-deep:#0D3F28; --gold:#A87B1F; --gold-soft:#F4EBD3; --mcc:#0F5FF8;
  --sans:"Public Sans",Arial,sans-serif; --serif:"Source Serif 4",Georgia,serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6;font-variant-numeric:tabular-nums}
a{color:var(--green)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:980px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.15;letter-spacing:-.005em}

.strip{background:var(--mcc);color:#fff;text-align:center;font-size:15px;padding:8px 16px}
.strip a{color:#fff;font-weight:700}
.top{background:var(--card);border-bottom:1px solid var(--rule)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:700;font-size:21px}
.seal{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--green);color:#fff;font-family:var(--serif);font-size:20px;box-shadow:0 0 0 3px var(--card),0 0 0 4px var(--gold)}
.brand .hl{color:var(--green)}
.top nav{display:flex;gap:18px}
.top nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:16px}
.top nav a:hover{color:var(--green)}
@media (max-width:620px){
  .top .wrap{flex-wrap:wrap;row-gap:6px}
  .top nav{width:100%;justify-content:space-between;border-top:1px solid var(--rule);padding-top:8px}
}

.hero{display:grid;gap:28px;padding:40px 0 10px;align-items:center}
@media (min-width:860px){.hero{grid-template-columns:1.1fr .9fr}}
.hero h1{font-size:clamp(36px,6vw,58px);margin:0 0 14px;color:var(--green-deep)}
.hero p{font-size:20px;margin:0 0 20px;max-width:36ch}
.btn{display:inline-block;font:inherit;font-weight:700;font-size:17px;border:0;border-radius:8px;padding:12px 20px;cursor:pointer;text-decoration:none}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:var(--green-deep)}
.btn-line{background:transparent;color:var(--green);border:2px solid var(--green)}
.btn-mcc{background:var(--mcc);color:#fff}

/* The check: the one signature element */
.check{position:relative;background:
   repeating-linear-gradient(135deg,rgba(20,90,58,.045) 0 2px,transparent 2px 9px),
   repeating-linear-gradient(45deg,rgba(20,90,58,.035) 0 2px,transparent 2px 11px),#F7FBF7;
  border:1px solid #9FBDA9;border-radius:6px;padding:22px 24px 18px;box-shadow:0 10px 30px rgba(13,63,40,.12)}
.check::before{content:"";position:absolute;inset:7px;border:1px solid rgba(168,123,31,.55);border-radius:3px;pointer-events:none}
.check-top{display:flex;justify-content:space-between;gap:10px;font-size:14px;color:var(--muted)}
.check-label{font-family:var(--serif);font-style:italic;font-size:16px;color:var(--green-deep);margin:14px 0 6px}
.amount{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.amount .box{background:#fff;border:2px solid var(--green);border-radius:4px;padding:6px 14px;font-family:var(--serif);font-weight:700;font-size:clamp(30px,6vw,42px);color:var(--green-deep);line-height:1.15}
.amount .per{font-size:16px;color:var(--muted)}
.words{border-bottom:1px solid #9FBDA9;padding:8px 0 4px;margin:10px 0 0;font-family:var(--serif);font-style:italic;font-size:17px;min-height:34px}
.lines{margin:14px 0 0;display:grid;grid-template-columns:1fr auto;gap:6px 0;font-size:16px}
.lines dd{padding-left:16px}
.lines dt{color:var(--muted)}
.lines dd{margin:0;font-weight:700;text-align:right}
.lines .total{border-top:3px double var(--green);padding-top:6px}
.memo{display:flex;justify-content:space-between;gap:10px;margin-top:16px;font-size:13px;color:var(--muted);border-top:1px solid #9FBDA9;padding-top:6px}
.memo span:last-child{font-family:var(--serif);font-style:italic}
.saving{margin:12px 0 0;background:var(--gold-soft);border-left:4px solid var(--gold);padding:8px 12px;font-size:15px;border-radius:0 6px 6px 0}
.saving:empty{display:none}

.section-h{font-size:28px;margin:44px 0 12px;color:var(--green-deep)}
.intro{max-width:62ch}
.tools{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:12px}
@media (min-width:760px){.tools{grid-template-columns:1fr 1fr}}
.tool a{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:16px 18px;text-decoration:none;color:var(--ink);height:100%}
.tool a:hover{border-color:var(--green)}
.tool .ic{flex:none;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;border:2px solid var(--green);color:var(--green);font-family:var(--serif);font-weight:700;font-size:19px}
.tool strong{display:block;font-family:var(--serif);font-size:20px;line-height:1.25;margin-bottom:2px}
.tool span span{display:block;color:var(--muted);font-size:16px}
.guide-list{list-style:none;padding:0;margin:14px 0;border-top:1px solid var(--rule)}
.guide-list li{border-bottom:1px solid var(--rule)}
.guide-list a{display:block;padding:14px 2px;text-decoration:none;color:var(--ink)}
.guide-list strong{display:block;font-family:var(--serif);font-size:19px;color:var(--green-deep)}
.guide-list span{color:var(--muted);font-size:16px}
.more{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:10px 0}
.more a{display:inline-block;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:8px 12px;text-decoration:none;font-weight:600;font-size:16px}

.page-head{padding:30px 0 4px}
.page-head h1{font-size:clamp(30px,5vw,44px);margin:0 0 10px;color:var(--green-deep)}
.page-head p{margin:0;max-width:62ch;color:var(--muted)}

.calc{display:grid;gap:22px;margin:22px 0}
@media (min-width:860px){.calc{grid-template-columns:1fr 1fr;align-items:start}.calc .result{position:sticky;top:14px}}
@media (max-width:859px){.calc .result{order:-1}}
.fields{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:20px;display:grid;gap:14px}
.fields label{display:grid;gap:4px;font-weight:600;font-size:16px}
.fields .hint{font-weight:400;color:var(--muted);font-size:14px}
.fields input,.fields select{font:inherit;font-size:18px;padding:10px 12px;border:1px solid #AFC2B5;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.fields input:focus,.fields select:focus{border-color:var(--green)}
.fields h3{margin:8px 0 0;font-size:19px;color:var(--green-deep)}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.actions .btn{font-size:15px;padding:9px 14px}
.toast{font-size:14px;color:var(--green);font-weight:600;min-height:20px;margin-top:6px}
details.sched{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:4px 18px;margin:8px 0 22px}
details.sched summary{cursor:pointer;font-weight:700;padding:12px 0;font-family:var(--serif);font-size:19px;color:var(--green-deep)}
.chart{width:100%;height:auto;display:block;margin:6px 0 10px}
.tablewrap{overflow-x:auto}
table.amort{width:100%;border-collapse:collapse;font-size:15px;margin-bottom:14px}
.amort th,.amort td{padding:8px 10px;text-align:right;border-bottom:1px solid var(--rule)}
.amort th:first-child,.amort td:first-child{text-align:left}
.amort th{color:var(--green-deep);background:#F5F9F6}

.offers{display:grid;gap:14px;margin:20px 0}
@media (min-width:860px){.offers{grid-template-columns:repeat(3,1fr)}}
.offer{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:16px;display:grid;gap:10px;align-content:start}
.offer h3{margin:0;font-size:20px;color:var(--green-deep)}
.offer label{display:grid;gap:3px;font-weight:600;font-size:15px}
.offer input{font:inherit;font-size:17px;padding:8px 10px;border:1px solid #AFC2B5;border-radius:6px;width:100%}
.offer .out{border-top:3px double var(--green);padding-top:10px;margin:0;display:grid;grid-template-columns:1fr auto;gap:4px 10px;font-size:15px}
.offer .out dd{margin:0;font-weight:700;text-align:right}
.offer.best{border:2px solid var(--gold);box-shadow:0 0 0 4px var(--gold-soft)}
.offer .badge{display:none;justify-self:start;background:var(--gold);color:#fff;font-size:13px;font-weight:700;border-radius:4px;padding:2px 8px}
.offer.best .badge{display:inline-block}

.checklist{list-style:none;padding:0;margin:16px 0;background:var(--card);border:1px solid var(--rule);border-radius:10px}
.checklist li{border-bottom:1px solid var(--rule)}
.checklist li:last-child{border-bottom:0}
.checklist label{display:flex;gap:14px;align-items:flex-start;padding:14px 16px;cursor:pointer}
.checklist input{width:22px;height:22px;margin-top:3px;accent-color:var(--green);flex:none}
.checklist strong{display:block}
.checklist span{color:var(--muted);font-size:15px}
.progress{height:10px;background:#D5E2D9;border-radius:5px;overflow:hidden;margin:8px 0}
.progress span{display:block;height:100%;width:0;background:var(--green);transition:width .2s}

.article{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:26px;margin-top:20px}
.article h1{font-size:clamp(30px,5vw,42px);margin:0 0 12px;color:var(--green-deep)}
.article h2{font-size:24px;margin:26px 0 8px;color:var(--green-deep)}
.article p{max-width:66ch;margin:0 0 14px}
.updated{color:var(--muted);font-size:15px;margin:-4px 0 16px}
.tryit{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:14px 18px;margin:22px 0}
.tryit a{font-weight:700}
.disclaimer{font-size:14px;color:var(--muted);margin-top:14px}
.glossary dt{font-family:var(--serif);font-weight:700;font-size:20px;color:var(--green-deep);margin-top:18px}
.glossary dd{margin:4px 0 0;max-width:66ch}
.faq details{border-bottom:1px solid var(--rule);padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;padding:10px 0}
.faq p{margin:0 0 12px;max-width:66ch}

.ptag{display:inline-block;font-size:12px;font-weight:700;color:var(--muted);border:1px solid var(--rule);border-radius:4px;padding:0 6px;background:#fff}
.partners{margin:40px 0 10px}
.partners h2{font-size:24px;margin:0 0 12px;color:var(--green-deep)}
.plist{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.pcard{display:flex;flex-direction:column;gap:4px;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:14px;text-decoration:none;color:var(--ink)}
.pcard:hover{border-color:var(--green)}
.pcard .ptag{align-self:flex-start}
.pimg{display:grid;place-items:center;height:110px;background:#F5F9F6;border-radius:6px;overflow:hidden;margin:4px 0 6px}
.pimg img{max-width:100%;max-height:110px;object-fit:contain}
.pcard strong{font-size:18px}
.ptext{font-size:15px;flex:1;color:var(--muted)}
.pcta{font-weight:700;color:var(--green)}
.ebook{position:relative;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:14px;margin:28px 0}
.ebook>.ptag{position:absolute;top:12px;right:12px}
.ebook-in{display:grid;grid-template-columns:84px 1fr;gap:14px;align-items:center;text-decoration:none;color:var(--ink)}
.ebook-cover img{width:84px;height:110px;object-fit:cover;border-radius:4px;box-shadow:0 4px 12px rgba(0,0,0,.18);display:block}
.ebook-txt{display:flex;flex-direction:column;gap:3px;align-items:flex-start}
.ebook-from{font-size:14px;font-weight:700;color:var(--mcc)}
.ebook-txt strong{font-family:var(--serif);font-size:18px;line-height:1.25;padding-right:34px}
.ebook-price{color:var(--muted);font-size:15px;margin-bottom:6px}
.ebook .btn{font-size:15px;padding:9px 14px}
.outgo{position:relative;display:flex;gap:16px;align-items:center;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:16px;margin:24px 0;text-decoration:none;color:var(--ink)}
.outgo>.ptag{position:absolute;top:10px;right:10px}
.outgo img{width:64px;height:auto;flex:none}
.outgo strong{display:block;font-family:var(--serif);font-size:19px;padding-right:30px}
.outgo .pcta{display:block;margin-top:4px}

footer{border-top:1px solid var(--rule);margin-top:44px;padding:22px 0 40px;font-size:14px;color:var(--muted)}
footer p{margin:0 0 8px;max-width:72ch}
.flinks{display:flex;flex-wrap:wrap;gap:6px 18px}

@media print{
  .strip,.top,footer,.partners,.ebook,.outgo,.actions,.more,.section-h,.guide-list,.tryit{display:none!important}
  body{background:#fff}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* sign-up form */
.signup{margin:36px 0;background:var(--card);border:1px solid var(--rule);border-top:5px solid var(--green);border-radius:10px}
.signup-in{padding:22px}
.signup h2{margin:0 0 6px;font-size:26px;color:var(--green-deep)}
.signup p{margin:0 0 14px;max-width:62ch}
.sgrid{display:grid;gap:12px}
@media (min-width:700px){.sgrid{grid-template-columns:1fr 1fr}}
.signup label{display:grid;gap:4px;font-weight:600;font-size:16px}
.signup input[type=text],.signup input[type=email],.signup select{font:inherit;font-size:17px;padding:10px 12px;border:1px solid #AFC2B5;border-radius:6px;background:#fff;width:100%}
.signup .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:15px;margin:14px 0}
.signup .consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--green);flex:none}
.signup .fine{font-size:13px;color:var(--muted);margin:12px 0 0}
.thanks{text-align:left}
.pdf-link{display:inline-flex;gap:12px;align-items:center;background:var(--gold-soft);border:1px solid var(--gold);border-radius:8px;padding:14px 18px;font-weight:700;text-decoration:none;color:var(--ink);margin:10px 0 18px}

/* signup */
.signup{display:grid;gap:18px;background:var(--card);border:1px solid var(--rule);border-top:5px solid var(--green);border-radius:10px;padding:22px;margin:30px 0}
@media (min-width:860px){.signup{grid-template-columns:.9fr 1.1fr;align-items:start}}
.signup h2{margin:0 0 8px;font-size:26px;color:var(--green-deep)}
.signup p{margin:0 0 10px}
.signup .fine{font-size:14px;color:var(--muted)}
.signup-form{display:grid;gap:12px}
.signup-form label{display:grid;gap:4px;font-weight:600;font-size:16px}
.signup-form input[type=text],.signup-form input[type=email],.signup-form select{font:inherit;font-size:17px;padding:10px 12px;border:1px solid #AFC2B5;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.signup-form .grid2{display:grid;gap:12px;margin-top:10px}
@media (min-width:560px){.signup-form .grid2{grid-template-columns:1fr 1fr}}
.more-q summary{cursor:pointer;font-weight:600;color:var(--green);font-size:16px}
.consent{display:flex!important;grid-template-columns:none;gap:10px;align-items:flex-start;font-weight:400!important;font-size:14px!important;color:var(--muted)}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--green);flex:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.signup .btn{justify-self:start}

.promise{background:var(--card);border:1px solid var(--rule);border-left:5px solid var(--gold);border-radius:10px;padding:18px 22px;margin:34px 0 0}
.promise h2{margin:0 0 8px;font-size:24px;color:var(--green-deep)}
.promise ul{margin:0;padding-left:20px}
.promise li{margin:6px 0}

.network{margin-top:14px;padding-top:12px;border-top:1px solid rgba(127,127,127,.35)}
.network strong{display:block;margin-bottom:6px}
.network .flinks{display:flex;flex-wrap:wrap;gap:6px 18px}

/* ===== Frame: paper statement on a desk ===== */
body.doc{background:#DCE7DD repeating-linear-gradient(45deg,rgba(20,90,58,.03) 0 2px,transparent 2px 14px)}
body.doc .desk{padding:22px 12px 40px}
body.doc .sheet{max-width:900px;margin:0 auto;background:#FFFEFB;border:1px solid #C9D6CC;box-shadow:0 2px 0 #fff inset,0 24px 50px rgba(13,63,40,.16);border-radius:4px;position:relative}
body.doc .sheet::before{content:"";position:absolute;inset:10px;border:1px solid rgba(168,123,31,.35);pointer-events:none;border-radius:2px}
body.doc .letterhead{display:grid;grid-template-columns:1fr auto;gap:8px 16px;align-items:center;padding:26px 30px 14px;border-bottom:3px double #145A3A;margin:0 18px}
body.doc .lh-meta{display:grid;justify-items:end;font-size:13px;color:#56655C;font-family:var(--serif);font-style:italic}
body.doc .lh-nav{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:6px 22px;padding-top:8px}
body.doc .lh-nav a{color:#145A3A;text-decoration:none;font-weight:700;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
body.doc .lh-nav a:hover{text-decoration:underline}
body.doc .memo{margin:12px 48px 0;font-size:15px;color:#56655C;border-bottom:1px dashed #C9D6CC;padding-bottom:10px}
body.doc .memo b{color:#A87B1F;letter-spacing:.12em;font-size:12px;margin-right:6px}
body.doc main.wrap{max-width:none;padding:0 48px}
body.doc footer{background:transparent;border-top:3px double #145A3A;margin:40px 18px 0;padding:18px 30px 30px;color:#56655C}
body.doc footer a{color:#145A3A}
@media (max-width:640px){body.doc .desk{padding:10px 6px 30px}body.doc .letterhead{padding:20px 14px 12px;margin:0 8px;grid-template-columns:1fr}body.doc .lh-meta{justify-items:start}body.doc .memo{margin:10px 16px 0}body.doc main.wrap{padding:0 16px}body.doc footer{margin:30px 8px 0;padding:16px 14px 24px}}