:root{
  --green:#2f5d3a; --green-dark:#1f4128; --green-light:#e8f0e6;
  --wheat:#d9a441; --wheat-dark:#b8862a;
  --ink:#1d2420; --muted:#56615a; --line:#dde3dc; --bg:#fbfaf6; --white:#fff;
  --radius:10px; --max:1100px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%}
a{color:var(--green)}
h1,h2,h3{line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

/* header */
.site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.35rem;color:var(--green-dark);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--wheat-dark)}
nav ul{list-style:none;display:flex;gap:6px;margin:0;padding:0;flex-wrap:wrap;align-items:center}
nav a{text-decoration:none;color:var(--ink);padding:8px 12px;border-radius:6px;font-weight:500}
nav a:hover,nav a[aria-current=page]{background:var(--green-light);color:var(--green-dark)}
nav .btn{color:var(--white)}
nav .btn:hover{background:var(--wheat-dark);color:var(--white)}

/* buttons */
.btn{display:inline-block;background:var(--wheat);color:var(--white);font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--wheat-dark)}
.btn-outline{background:transparent;border:2px solid var(--white);color:var(--white)}
.btn-outline:hover{background:var(--white);color:var(--green-dark)}

/* hero */
.hero{background:linear-gradient(135deg,var(--green-dark),var(--green));color:var(--white);padding:72px 0 64px}
.hero p.lead{font-size:1.2rem;max-width:640px;opacity:.95}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero.hero-sm{padding:48px 0 40px}

/* sections */
section{padding:60px 0}
section.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-intro{max-width:720px;color:var(--muted);margin-bottom:32px}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card.feature{border-top:4px solid var(--wheat)}
.card ul{padding-left:20px;margin:0}
.card li{margin-bottom:6px}
.tag{display:inline-block;background:var(--green-light);color:var(--green-dark);font-size:.8rem;font-weight:700;padding:3px 10px;border-radius:99px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.04em}

.states{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.states li{background:var(--white);border:1px solid var(--line);padding:8px 16px;border-radius:99px;font-weight:600}

/* steps */
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps li{position:relative;padding:20px 20px 20px 72px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius)}
.steps li::before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:20px;width:36px;height:36px;border-radius:50%;background:var(--green);color:var(--white);font-weight:800;display:flex;align-items:center;justify-content:center}
.steps .when{display:block;font-size:.85rem;color:var(--wheat-dark);font-weight:700;text-transform:uppercase;letter-spacing:.04em}

/* faq */
details{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p{margin:12px 0 0}

/* cta band */
.cta{background:var(--wheat);color:var(--ink);text-align:center;padding:48px 0}
.cta .btn{background:var(--green-dark)}
.cta .btn:hover{background:var(--green)}

/* forms */
form .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #c8d0c7;border-radius:8px;font:inherit;background:var(--white)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--wheat);border-color:var(--wheat)}
.field{margin-bottom:16px}
.req{color:#b3261e}
.hp{position:absolute;left:-9999px}
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 6px 24px rgba(31,65,40,.06)}
.notice{padding:16px 20px;border-radius:8px;margin-bottom:20px;font-weight:600}
.notice.ok{background:var(--green-light);color:var(--green-dark);border:1px solid #b9d2b4}
.notice.err{background:#fdecea;color:#8a1c14;border:1px solid #f3c1bc}
.small{font-size:.85rem;color:var(--muted)}

/* footer */
.site-footer{background:var(--green-dark);color:#cfdccd;padding:40px 0 28px;font-size:.92rem}
.site-footer a{color:var(--white)}
.site-footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;margin-bottom:24px}
.site-footer strong{color:var(--white)}
.disclaimer{border-top:1px solid rgba(255,255,255,.15);padding-top:18px;font-size:.8rem;opacity:.85}

@media (max-width:640px){
  body{font-size:16px}
  section{padding:44px 0}
  .hero{padding:48px 0 44px}
  nav a{padding:6px 8px}
}

/* --- additions --- */
.tag-light{background:rgba(255,255,255,.15);color:#fff}
.banner{background:#fff4dc;border-bottom:1px solid #f0d9a4;font-size:.95rem;padding:10px 0;text-align:center}
.banner a{font-weight:700;color:var(--green-dark)}
.callout{background:var(--green-light);border-left:4px solid var(--green);padding:14px 16px;border-radius:6px;margin:16px 0}
.callout.warn{background:#fff4dc;border-left-color:var(--wheat-dark)}
table{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
th,td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--green-light);color:var(--green-dark);font-size:.92rem}
table.rates td{font-size:1.25rem;font-weight:800;color:var(--green-dark)}
.states a{text-decoration:none;color:inherit}
.states li:hover{border-color:var(--green)}
.tool-card{display:flex;flex-direction:column}
.tool-card p{flex:1}
.result-big{font-size:2.4rem;font-weight:800;color:var(--green-dark);line-height:1.1;margin:6px 0}
.breakdown td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.breakdown tr.total td{font-weight:800;background:var(--green-light)}
.locked{position:relative}
.locked .blur{filter:blur(5px);pointer-events:none;user-select:none}
.hidden{display:none !important}
.timeline-out li strong{display:block}
.timeline-out .date{font-weight:800;color:var(--green-dark)}
.timeline-out li.past{opacity:.6}
.timeline-out li.urgent .date{color:#b3261e}
.risk{border-radius:var(--radius);padding:20px;margin-top:16px}
.risk.high{background:#fdecea;border:1px solid #f3c1bc}
.risk.med{background:#fff4dc;border:1px solid #f0d9a4}
.risk.low{background:var(--green-light);border:1px solid #b9d2b4}
.radio-group label{font-weight:400;display:flex;gap:8px;align-items:center;margin-bottom:6px}
.radio-group input{width:auto}
.field label > input,.field label > select,.field label > textarea{margin-top:6px;font-weight:400}
@media print{
  .site-header,.site-footer,.banner,.no-print,.cta{display:none !important}
  body{background:#fff}
  .print-only{display:block !important}
}
.print-only{display:none}
@media (max-width:760px){ .site-header{position:static} }