:root{
  --paper:#FBF8F3; --linen:#F2ECE1; --ground:#1E2A28; --teal:#0E6E63;
  --teal-dark:#0A4A43; --clay:#C9682F; --sage:#CFE0D6; --green:#2E7D5B;
  --amber:#9A7B3F; --brick:#B23A2E; --dim:#5b6b66;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ground);
  font-family:'Public Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,.display{font-family:'Fraunces',Georgia,serif;font-weight:600;line-height:1.18;color:var(--ground)}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:920px;margin:0 auto;padding:0 22px}
.site-header{position:sticky;top:0;z-index:10;background:rgba(251,248,243,.92);
  backdrop-filter:saturate(1.1) blur(6px);border-bottom:1px solid var(--linen)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:62px}
.brand{font-family:'Fraunces',serif;font-weight:600;font-size:1.45rem;color:var(--teal);letter-spacing:-.01em}
.brand .dot{color:var(--clay)}
.nav a{margin-left:20px;font-size:.96rem;color:var(--ground)}
.btn{display:inline-block;background:#B25827;color:#fff;padding:13px 22px;border-radius:10px;
  font-weight:600;font-size:1rem}
.btn:hover{background:#9c4c22;text-decoration:none}
.btn.ghost{background:transparent;color:var(--teal-dark);padding-left:6px}
.hero{padding:74px 0 48px}
.eyebrow{display:inline-block;background:var(--sage);color:var(--teal-dark);
  font-size:.82rem;font-weight:600;padding:5px 13px;border-radius:999px;letter-spacing:.02em;margin-bottom:22px}
.hero h1{font-size:clamp(2.1rem,5.2vw,3.3rem);margin:.1em 0 .35em;max-width:14ch}
.hero p.lead{font-size:1.18rem;max-width:60ch;color:#33433e}
.cta-row{margin-top:30px;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.cues{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:54px 0 10px}
.cue{background:var(--linen);border-radius:14px;padding:22px}
.cue h3{font-size:1.06rem;margin:0 0 .35em}
.cue p{margin:0;font-size:.96rem;color:#3a4843}
.section{padding:46px 0;border-top:1px solid var(--linen)}
.section h2{font-size:clamp(1.6rem,3.6vw,2.1rem);margin:0 0 .2em}
.section .sub{color:var(--dim);margin:0 0 26px;max-width:62ch}
.cards{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.card{display:block;background:#fff;border:1px solid var(--linen);border-radius:16px;padding:26px;color:inherit}
.card:hover{border-color:var(--sage);text-decoration:none;transform:translateY(-1px);transition:.15s}
.card h3{color:var(--teal-dark);margin:0 0 .3em;font-size:1.25rem}
.card p{margin:0;color:#3a4843}
.card .more{display:inline-block;margin-top:14px;color:var(--teal-dark);font-weight:600}
.steps{counter-reset:s;display:grid;gap:18px}
.step{display:flex;gap:18px;align-items:flex-start}
.step .n{flex:none;width:38px;height:38px;border-radius:50%;background:var(--teal);color:#fff;
  font-family:'Fraunces',serif;font-weight:600;display:grid;place-items:center}
.step h3{margin:.1em 0 .2em;font-size:1.12rem}
.step p{margin:0;color:#3a4843}
.note{background:var(--sage);border-radius:12px;padding:16px 20px;color:var(--teal-dark);font-size:.96rem}
footer.site{background:var(--linen);margin-top:40px;padding:40px 0;color:#46544f;font-size:.9rem}
footer.site .wrap{display:grid;gap:14px}
footer.site strong{color:var(--ground)}
.lineage{color:var(--dim);font-size:.84rem}
/* content pages (guide + firm) */
.content{padding:36px 0 10px}
.content h1{font-size:clamp(1.9rem,4.4vw,2.6rem);margin:.2em 0 .4em}
.content h2{font-size:1.5rem;margin:1.5em 0 .4em;padding-top:.3em;border-top:1px solid var(--linen)}
.content h3{font-size:1.18rem;margin:1.3em 0 .3em}
.content table{border-collapse:collapse;width:100%;margin:1.1em 0;font-size:.94rem}
.content th,.content td{border:1px solid #e3dccd;padding:9px 12px;text-align:left;vertical-align:top}
.content th{background:var(--linen);font-weight:600}
.content blockquote{margin:1.1em 0;padding:14px 20px;background:var(--linen);border-left:4px solid var(--teal);border-radius:0 10px 10px 0;color:#3a4843}
.content code{background:var(--linen);padding:1px 6px;border-radius:5px;font-size:.92em}
.content hr{border:none;border-top:1px solid var(--linen);margin:1.6em 0}
.content ul,.content ol{padding-left:1.3em}
.content li{margin:.3em 0}
.crumb{font-size:.9rem;color:var(--dim);margin-bottom:6px}
.tag{display:inline-block;font-size:.72rem;font-weight:600;padding:2px 9px;border-radius:999px;background:var(--sage);color:var(--teal-dark);vertical-align:middle}
.pill-nonneg{background:#f3e2d3;color:var(--teal-dark)}
.stepnum{color:var(--teal);font-family:'Fraunces',serif}
/* firms index */
.search{width:100%;padding:14px 16px;font-size:1.05rem;border:1px solid #ddd4c4;border-radius:12px;
  background:#fff;margin:8px 0 20px;font-family:inherit}
table.firms{border-collapse:collapse;width:100%;font-size:.93rem}
table.firms th,table.firms td{border-bottom:1px solid #eae3d4;padding:10px 10px;text-align:left}
table.firms th{position:sticky;top:62px;background:var(--paper);cursor:pointer;font-weight:600}
table.firms td.num,table.firms th.num{text-align:right}
table.firms tr:hover td{background:#fff}
.badge{font-size:.74rem;padding:2px 8px;border-radius:999px}
.b-HIGH{background:var(--sage);color:var(--teal-dark)}
.b-MED{background:#ece2cf;color:#5f4d20}
.b-LOW{background:#efe6da;color:var(--dim)}
.disclaimer{background:#fff;border:1px solid var(--linen);border-radius:12px;padding:16px 20px;color:#46544f;font-size:.9rem;margin:20px 0}
@media(max-width:720px){.cues,.cards{grid-template-columns:1fr}.nav a:nth-child(1){display:none}.hero{padding:48px 0 30px}table.firms th{top:0}}
@media(max-width:560px){.content table{font-size:.86rem}.content th,.content td{padding:7px 8px}}
@media (prefers-reduced-motion: reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}