:root{
  --black:#111;
  --ink:#1d1d1b;
  --paper:#f3efe5;
  --paper2:#e8e1d3;
  --red:#b9382f;
  --blue:#203f52;
  --line:#c8c0b1;
  --muted:#6d685f;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.6}
a{color:inherit}
.shell{width:min(1180px,calc(100% - 40px));margin:auto}
.masthead{background:var(--black);color:white;border-bottom:6px solid var(--red)}
.masthead-grid{display:grid;grid-template-columns:1fr auto;align-items:center;min-height:92px}
.id-block{display:flex;align-items:center;gap:22px}
.logo{font-size:24px;font-weight:900;text-decoration:none;letter-spacing:-.04em}
.micro{font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--red)}
.micro.inverted{color:#fff}
.issue{text-align:right;border-left:1px solid #444;padding-left:24px}
.issue span,.issue b{display:block}
.issue span{font-size:11px;letter-spacing:.15em}
.issue b{font-size:14px}
.cover{display:grid;grid-template-columns:190px minmax(0,1fr) 320px;gap:34px;padding:72px 0 58px;border-bottom:1px solid var(--line)}
.cover-number{font-family:Georgia,serif;font-size:180px;line-height:.75;color:var(--red);font-weight:700}
.kicker{font-size:12px;font-weight:800;letter-spacing:.16em;margin:0 0 16px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.05;margin-top:0}
h1{font-size:clamp(46px,7vw,92px);letter-spacing:-.045em;margin-bottom:24px}
h2{font-size:clamp(32px,4vw,54px);letter-spacing:-.025em}
h3{font-size:25px;margin-bottom:10px}
.dek{font-size:21px;max-width:720px;margin:0}
.answer{background:var(--blue);color:#fff;padding:28px;align-self:start;box-shadow:12px 12px 0 var(--paper2)}
.answer span{font-size:10px;font-weight:900;letter-spacing:.16em;color:#b8d1df}
.answer p{font-family:Georgia,serif;font-size:20px;line-height:1.4;margin:12px 0 0}
.split-intro{display:grid;grid-template-columns:1fr 1.3fr;gap:50px;padding:50px 0;border-bottom:1px solid var(--line)}
.quote{position:relative;padding-left:58px}
.quote-mark{position:absolute;left:0;top:-16px;font-family:Georgia,serif;font-size:90px;color:var(--red);line-height:1}
.quote p{font-family:Georgia,serif;font-size:27px;line-height:1.3;margin:0}
.intro-copy{font-size:18px}
.process,.shell>section{padding:58px 0}
.section-head{display:grid;grid-template-columns:90px 1fr;gap:24px;align-items:start;margin-bottom:34px}
.section-no{font-family:Georgia,serif;font-size:56px;color:var(--red);line-height:1}
.section-head h2{margin:6px 0 0}
.timeline{list-style:none;margin:0;padding:0;border-top:1px solid var(--black)}
.timeline li{display:grid;grid-template-columns:110px 1fr;border-bottom:1px solid var(--line);padding:32px 0}
.step-no{font-family:Georgia,serif;font-size:42px;color:var(--red)}
.step-body{max-width:900px}
.step-body p{font-size:17px}
.must{margin-top:16px;padding:14px 18px;background:#e7dcc6;border-left:4px solid var(--red)}
.note{color:var(--muted);font-style:italic}
.doc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}
.doc-grid>div{border:1px solid var(--line);padding:18px;background:#faf7ef}
.doc-grid span{display:block;font-family:Georgia,serif;color:var(--red);font-size:28px}
.doc-grid b{font-size:15px}
.doc-grid p{font-size:13px;margin:6px 0 0;color:var(--muted)}
.callout{margin-top:20px;background:var(--black);color:#fff;padding:22px}
.callout span{font-size:10px;font-weight:800;letter-spacing:.15em;color:#efb3ae}
.callout p{margin:7px 0 0}
.band{background:var(--blue);color:#fff;padding:56px 0}
.band-grid{display:grid;grid-template-columns:.9fr 1.4fr;gap:50px}
.band h2{margin-top:8px}
.band ul{columns:2;margin:0;padding-left:18px}
.band li{margin-bottom:10px}
.requirements{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.requirements article{border-top:5px solid var(--black);background:#faf7ef;padding:22px;min-height:210px}
.req-no{font-family:Georgia,serif;color:var(--red);font-size:28px}
.requirements h3{font-size:22px;margin-top:16px}
.free-box{margin-top:18px;background:var(--red);color:#fff;padding:24px 28px;display:grid;grid-template-columns:220px 1fr;gap:12px 30px}
.free-box span{font-size:11px;font-weight:900;letter-spacing:.15em}
.free-box strong{font-size:22px}
.free-box p{grid-column:2;margin:0}
.risk-list{border-top:1px solid var(--black)}
.risk-list>div{display:grid;grid-template-columns:80px 1fr;gap:20px;border-bottom:1px solid var(--line);padding:20px 0}
.risk-list b{font-family:Georgia,serif;color:var(--red);font-size:30px}
.risk-list p{margin:0;font-size:17px}
.today{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.today>div{background:#111;color:#fff;padding:22px;min-height:150px}
.today span{display:block;color:#ef6e64;font-family:Georgia,serif;font-size:34px}
.today p{margin:14px 0 0}
.faq details{border-top:1px solid var(--line);padding:18px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{font-family:Georgia,serif;font-weight:700;font-size:21px;cursor:pointer}
.faq details p{max-width:850px}
.sources ul{padding-left:18px}
.sources li{margin-bottom:10px}
.updated{font-size:13px;color:var(--muted)}
.bridge{display:grid;grid-template-columns:1.4fr .8fr;gap:40px;background:#ded4c1;padding:36px!important;margin-top:20px;margin-bottom:50px}
.bridge h2{font-size:34px;margin:8px 0 0}
.bridge-actions{display:flex;flex-direction:column;gap:10px;justify-content:center}
.btn{text-decoration:none;padding:13px 16px;font-weight:800;text-align:center;border:2px solid var(--black)}
.btn.solid{background:var(--black);color:#fff}
.btn.outline{background:transparent}
.legal-note{padding-top:0!important;padding-bottom:46px!important;font-size:13px;color:var(--muted)}
footer{background:var(--black);color:#aaa}
.footer{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;min-height:88px;font-size:12px}
.footer a{color:#fff}
@media(max-width:900px){
  .cover{grid-template-columns:120px 1fr}.cover-number{font-size:120px}.answer{grid-column:1/-1}
  .split-intro,.band-grid,.bridge{grid-template-columns:1fr}
  .requirements{grid-template-columns:1fr 1fr}
  .today{grid-template-columns:1fr 1fr}
  .doc-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .shell{width:min(100% - 24px,1180px)}
  .masthead-grid{grid-template-columns:1fr}.issue{display:none}
  .cover{grid-template-columns:1fr;padding-top:38px}.cover-number{font-size:78px}.cover-copy{grid-column:1}.answer{grid-column:1}
  h1{font-size:48px}
  .section-head{grid-template-columns:60px 1fr}.section-no{font-size:38px}
  .timeline li{grid-template-columns:58px 1fr}.step-no{font-size:28px}
  .doc-grid,.requirements,.today{grid-template-columns:1fr}
  .band ul{columns:1}
  .free-box{grid-template-columns:1fr}.free-box p{grid-column:1}
  .footer{grid-template-columns:1fr;padding:22px 0}
}