:root{--ink:#142f3a;--muted:#53656a;--paper:#faf9f5;--line:#d7ddd9;--gold:#8c6c35;--pale:#edf0ec;--white:#fff;--radius:8px;color-scheme:light;font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.7;color:var(--ink);background:var(--paper)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--gold)}button,input,select,textarea{font:inherit}button,a,input,textarea,select{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{opacity:.65;cursor:wait}img,svg{max-width:100%;height:auto}[hidden]{display:none!important}:focus-visible{outline:3px solid #a1762f;outline-offset:5px}.shell{width:min(1220px,calc(100% - 80px));margin:auto}.topbar{font-size:.69rem;letter-spacing:.045em;border-bottom:1px solid var(--line);color:var(--muted)}.topbar .shell{display:flex;justify-content:space-between;padding:8px 0}.header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}.header-in{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:104px}.brand{display:flex;align-items:center;gap:13px;font-size:1.13rem;line-height:1.15;text-decoration:none;letter-spacing:-.035em}.brand strong{font-weight:500}.brand small{font-family:Arial,sans-serif;font-size:.55rem;letter-spacing:.17em;display:block;margin-top:8px}.brand-mark{width:45px;height:56px;border:1px solid #9b885f;border-radius:25px 25px 0 0;display:grid;place-items:center;color:var(--gold);font-family:Georgia,serif;font-size:1.8rem}.header nav{display:flex;align-items:center;gap:29px;font-size:.83rem;font-weight:600}.header nav>a{text-decoration:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:24px;min-height:52px;padding:14px 22px;border:1px solid var(--ink);border-radius:4px;background:var(--ink);color:white;text-decoration:none;font-size:.86rem;font-weight:600;line-height:1.4;transition:background .2s,transform .2s}.btn:hover{background:#264c59;color:white;transform:translateY(-1px)}.btn.secondary{background:transparent;color:var(--ink)}.btn.secondary:hover{background:var(--pale)}.btn.small{padding:12px 16px;min-height:44px;font-size:.79rem}.btn.light{background:var(--paper);border-color:var(--paper);color:var(--ink)}.eyebrow{text-transform:uppercase;font-size:.66rem;font-weight:700;letter-spacing:.16em;color:var(--gold);margin:0 0 21px}h1,h2{font-family:Georgia,'Times New Roman',serif;line-height:1.13;font-weight:400;letter-spacing:-.037em;text-wrap:balance}h1{font-size:clamp(2.6rem,4.65vw,4.15rem);margin:0 0 27px}h1 em{font-weight:400;color:var(--gold)}h2{font-size:clamp(2rem,3vw,2.8rem);margin:0 0 25px}h3{font-size:1.1rem;line-height:1.4;font-weight:600;margin:0 0 13px;letter-spacing:-.02em}p{margin:0 0 20px}ul,ol{padding-left:24px}li+li{margin-top:10px}.home-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:center;padding:75px 0 62px}.hero-copy>p:not(.eyebrow){max-width:56ch}.hero-lead{font-size:1.17rem;line-height:1.6}.hero-copy>p:not(.eyebrow):not(.hero-lead){color:var(--muted);font-size:.92rem}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.hero-copy .hero-risk{font-size:.72rem!important;max-width:63ch!important;margin-bottom:0}.hero-visual{height:520px;background:#e9e6dc;border-radius:180px 180px 8px 8px;position:relative;overflow:hidden}.arch-scene{height:360px;position:relative;background:radial-gradient(ellipse at 75% 15%,#f8f5e9,transparent 65%)}.arch{position:absolute;bottom:38px;width:160px;height:255px;border:37px solid #bbb4a2;border-bottom-width:0;border-radius:110px 110px 0 0;box-shadow:15px 13px 22px #5f635329}.arch-back{left:20%;transform:translateY(-21px);border-color:#d0c8b4;background:#ece8de}.arch-front{left:42%;height:225px;width:160px;border-color:#254551;background:linear-gradient(90deg,#162f39,#486470)}.plinth{position:absolute;bottom:0;left:12%;width:78%;height:40px;background:linear-gradient(110deg,#d0c6b2,#b0a58e);transform:skewY(-4deg);box-shadow:20px 16px 25px #84847444}.scene-line{position:absolute;left:35px;top:80px;bottom:45px;width:1px;background:#8f7a4d55}.visual-caption{position:absolute;bottom:0;left:0;right:0;background:#183742;color:#fff;padding:27px 33px}.visual-caption span{font-size:.6rem;letter-spacing:.14em;color:#dfc9a0}.visual-caption p{font:1.05rem/1.5 Georgia,serif;margin:12px 0 0}.trust-strip{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--line);padding:26px 0;gap:25px}.trust-strip span{font-size:.77rem;color:var(--muted);padding-left:24px;border-left:1px solid var(--line)}.trust-strip span:first-child{padding-left:0;border:0}.trust-strip strong{display:block;font-size:.86rem;color:var(--ink);margin-bottom:3px}.section{padding:80px 0}.section-heading{max-width:800px;margin-bottom:35px}.section-heading p:not(.eyebrow){color:var(--muted)}.three-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:42px;margin-top:42px}.three-cols p,.steps p{font-size:.88rem;color:var(--muted)}.number{font:1.7rem Georgia,serif;color:var(--gold);display:block;padding-bottom:15px;border-bottom:1px solid var(--line);margin-bottom:24px}.calculator-section{display:grid;grid-template-columns:.85fr 1.15fr;gap:65px;background:var(--pale);border-radius:8px;padding:48px;margin:10px 0 0}.calc-intro{padding-top:22px}.calc-intro>p:not(.eyebrow){color:var(--muted);font-size:.89rem}.calc-intro>a{font-size:.8rem}.calc-card,.contact-card{background:white;padding:32px;border-radius:8px;box-shadow:0 10px 40px #14313a08}.calc-card h3{margin-bottom:24px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{display:flex;flex-direction:column;gap:7px;min-width:0}.field label{font-size:.77rem;font-weight:600}.full{grid-column:1/-1}input,select,textarea{border:1px solid #8d9d9d;border-radius:4px;width:100%;padding:12px;color:var(--ink);background:white;min-height:47px;max-width:100%;font-size:.88rem}input::placeholder{color:#657579;opacity:1}textarea{resize:vertical}.field small,.note{font-size:.72rem;line-height:1.6;color:var(--muted)}form>.btn{margin:25px 0 15px;width:100%}.calc-result{border-top:1px solid var(--line);padding-top:25px;margin-top:15px}.calc-result dl{display:grid;grid-template-columns:1fr auto;gap:14px;font-size:.81rem}.calc-result dt,.calc-result dd{margin:0}.calc-result dd{font-weight:700}.result-warning{padding:15px;background:#f4eee3;font-size:.77rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-card{position:relative;padding:28px 26px 42px;border:1px solid var(--line);border-radius:6px;text-decoration:none;background:#fff;transition:transform .2s,border-color .2s;min-height:210px}.guide-card:hover{transform:translateY(-3px);border-color:var(--gold);color:var(--ink)}.guide-card .eyebrow{display:block;font-size:.6rem}.guide-card h3{font:1.3rem/1.35 Georgia,serif;letter-spacing:-.02em}.card-arrow{position:absolute;bottom:18px;right:24px;font-size:1.4rem;color:var(--gold)}.arrow-link{font-size:.85rem;display:inline-block;margin-top:25px}.balance-section{display:grid;grid-template-columns:1fr 1fr;gap:80px;padding:60px 0;border-block:1px solid var(--line)}.balance-section p,.balance-section a{font-size:.89rem;color:var(--muted)}.balance-list>div+div{border-top:1px solid var(--line);padding-top:23px}.balance-list>div:last-child p{margin-bottom:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-top:38px}.steps span{font:1.6rem Georgia,serif;color:var(--gold);display:block;margin-bottom:20px}.steps>div{border-top:1px solid 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var(--line)}.footer{background:#102a34;color:#e7eceb;padding:65px 0 20px;font-size:.8rem}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:60px;padding-bottom:45px}.footer-brand{font:1.9rem Georgia,serif;letter-spacing:.08em;color:#eddfbf}.footer-brand span{display:block;font: .8rem Arial,sans-serif;letter-spacing:0;margin-top:15px;color:#e7eceb}.footer-grid>div>p{max-width:42ch}.footer nav h2{font:600 .85rem Arial,sans-serif;margin:5px 0 25px}.footer nav a{display:block;margin:10px 0;text-decoration:none}.footer a:hover{color:#dfc9a0}.footer-phone{font-size:1.25rem;text-decoration:none}.text-button{background:none;padding:0;border:0;color:inherit;text-decoration:underline;min-height:44px;font-size:inherit}.footer-legal{border-top:1px solid #52646b;padding-top:30px;color:#c2ced0;font-size:.68rem;line-height:1.8}.breadcrumb{display:flex;gap:12px;padding:25px 0;font-size:.72rem;color:var(--muted)}.breadcrumb span:last-child{overflow-wrap:anywhere}.page-hero{padding:35px 0 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input{width:19px;min-height:19px;flex:0 0 19px;margin:3px 0 0;accent-color:var(--ink)}#form-status:not(:empty){padding:15px;border:1px solid var(--line);background:var(--pale)}.consent{position:fixed;right:24px;bottom:24px;z-index:80;max-width:440px;background:white;padding:23px;border:1px solid var(--line);border-radius:8px;box-shadow:0 8px 45px #102a3422;font-size:.76rem}.consent h2{font:600 1rem Arial,sans-serif;letter-spacing:0;margin-bottom:12px}.consent p{margin-bottom:12px}.consent-actions{display:flex;gap:10px}.consent .btn{flex:1;padding:11px 16px;font-size:.78rem;min-height:44px}.consent .close-consent{margin-top:10px;min-height:38px}.skip{position:fixed;left:15px;top:-100px;background:var(--ink);color:white;padding:15px;z-index:100}.skip:focus{top:15px}.menu-toggle,.mobile-actions{display:none}@media(max-width:1050px){.shell{width:calc(100% - 48px)}.header nav{gap:17px}.home-hero{gap:35px}.hero-visual{height:470px}.calculator-section{padding:30px;gap:30px}.article-layout{gap:35px;grid-template-columns:210px minmax(0,1fr)}.contact-grid{gap:35px}}@media(max-width:800px){.shell{width:calc(100% - 36px)}.topbar span{display:none}.header-in{min-height:85px;flex-wrap:wrap;gap:0}.brand{font-size:1rem}.brand-mark{height:48px;width:37px}.menu-toggle:not([hidden]){display:block;background:transparent;border:1px solid var(--line);padding:9px 12px;border-radius:4px;color:var(--ink);font-size:.8rem;min-height:44px}.header nav{width:100%;display:flex;flex-wrap:wrap;padding:18px 0;gap:20px}.header nav[data-collapsible="true"]{display:none}.header nav[data-collapsible="true"].is-open{display:flex;align-items:stretch;flex-direction:column}.header nav a{padding:7px 0}.home-hero{grid-template-columns:1fr;padding:45px 0;gap:35px}.hero-copy h1{font-size:clamp(2.7rem,8vw,4rem)}.hero-visual{height:360px;border-radius:125px 125px 6px 6px;max-width:530px;width:100%;justify-self:center}.arch-scene{height:240px}.arch{height:180px;width:130px;border-width:28px;border-bottom:0;bottom:28px}.arch-front{height:155px;width:130px}.plinth{height:28px}.visual-caption{padding:18px 26px}.visual-caption p{font-size:.9rem}.trust-strip{grid-template-columns:1fr;gap:16px;padding:22px 0}.trust-strip span,.trust-strip span:first-child{padding:0;border:0}.trust-strip strong{display:inline;margin-right:8px}.section{padding:50px 0}.three-cols{grid-template-columns:1fr;gap:15px}.three-cols>div{display:grid;grid-template-columns:45px 1fr;column-gap:18px}.three-cols .number{grid-row:span 2;border:0}.three-cols p{grid-column:2}.calculator-section{grid-template-columns:1fr;padding:25px 20px;gap:15px;margin-inline:-4px}.calc-card{padding:22px 18px}.cards{grid-template-columns:repeat(2,1fr)}.balance-section{grid-template-columns:1fr;gap:25px;padding:40px 0}.steps{grid-template-columns:1fr 1fr;gap:20px}.cta-band{grid-template-columns:1fr;padding:30px 25px;gap:25px;margin:15px 0 50px}.cta-band>div:last-child{text-align:left}.cta-phone{display:inline-block;margin:15px}.faq{margin-bottom:45px}.faq h2{font-size:2rem}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child{grid-column:1/-1}.footer{padding-top:40px}.article-layout{display:block;padding-bottom:25px}.toc{position:static;margin-bottom:35px;padding:22px;background:var(--pale);border-radius:6px}.toc a{font-size:.82rem}.page-hero{padding:25px 0 30px;margin-bottom:30px}.page-hero h1{font-size:2.45rem}.page-intro{font-size:1rem}.body-copy h2{font-size:1.7rem}.contact-grid{grid-template-columns:1fr;gap:20px}.contact-card{padding:25px 20px}.contact-aside{order:2}.mobile-actions{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;background:var(--paper);border-top:1px solid var(--line);padding:9px 12px calc(9px + env(safe-area-inset-bottom));gap:10px;z-index:40}.mobile-actions a{font-size:.74rem;font-weight:600;text-decoration:none;text-align:center;padding:11px 3px;border:1px solid var(--ink);border-radius:4px}.mobile-actions a:last-child{background:var(--ink);color:white}body{padding-bottom:70px}.consent{left:12px;right:12px;bottom:82px;max-width:none;max-height:70vh;overflow:auto}.breadcrumb{font-size:.67rem}.source-note{padding-bottom:30px}}@media(max-width:460px){.form-grid{grid-template-columns:1fr}.full{grid-column:auto}.cards{grid-template-columns:1fr}.guide-card{min-height:155px;padding:22px 24px 42px}.hero-copy h1{font-size:2.62rem}.actions .btn{width:100%}.hero-visual{height:335px}.visual-caption p{font-size:.87rem}.trust-strip strong{display:block}.footer-grid{gap:28px}.footer nav h2{font-size:.77rem}.footer nav a{font-size:.75rem}.body-copy th,.body-copy td{min-width:130px;padding:12px}.calc-result dl{display:block}.calc-result dd{margin:5px 0 16px}.steps h3{font-size:1rem}.steps p{font-size:.8rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}@media print{.header,.topbar,.footer,.consent,.mobile-actions,.cta-band,.toc,.menu-toggle{display:none!important}.shell{width:100%}.article-layout{display:block}body{padding:0;background:white;color:black}.page-hero{padding:0}a{color:inherit}h2,h3{break-after:avoid}table{break-inside:avoid}}

/* HERELES conversion 2026-10 */
.hl-quick{margin:1.25rem 0 .5rem;padding:1.1rem 1.2rem;border:1px solid rgba(0,0,0,.18);border-radius:10px;background:rgba(255,255,255,.85);max-width:560px;color:inherit;position:relative}
.hl-quick-title{font-weight:700;margin:0 0 .6rem;font-size:1.05rem}
.hl-quick label{display:block;font-size:.85rem;margin:.35rem 0;font-weight:600}
.hl-quick input[type=text],.hl-quick input[type=tel]{display:block;width:100%;box-sizing:border-box;margin-top:.25rem;padding:.65rem .7rem;font:inherit;font-weight:400;border:1px solid rgba(0,0,0,.3);border-radius:6px;background:#fff;color:#111}
.hl-quick-row{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.hl-quick .hl-consent{display:flex;gap:.5rem;align-items:flex-start;font-weight:400;font-size:.78rem}
.hl-quick .hl-consent input{margin-top:.2rem}
.hl-quick button{margin-top:.6rem;width:100%;justify-content:center;cursor:pointer}
.hl-quick-note,.hl-quick-status{font-size:.78rem;margin:.5rem 0 0}
.hl-hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.hl-links{margin:2.5rem auto;padding-top:1.5rem;border-top:1px solid rgba(0,0,0,.12)}
.hl-links h2{font-size:1.2rem;margin:0 0 .8rem}
.hl-links ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:.4rem 1.5rem}
.hl-links a{text-decoration:underline;text-underline-offset:3px}
.hl-legal-note{font-size:.75rem;opacity:.85;margin:.75rem 0 0}
.hl-sticky{display:none}
@media (max-width:760px){.hl-quick-row{grid-template-columns:1fr}.hl-sticky{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid rgba(0,0,0,.15);padding:10px 14px calc(10px + env(safe-area-inset-bottom))}.hl-sticky a{display:flex;align-items:center;justify-content:center;min-height:46px;border:1px solid #111;border-radius:4px;text-decoration:none;font-weight:600;font-size:.85rem;color:#111}.hl-sticky a:last-child{background:#111;color:#fff}body.hl-has-sticky{padding-bottom:72px}}
@media print{.hl-quick,.hl-sticky,.hl-links{display:none!important}}
.hl-quick .hl-consent input[type=checkbox]{width:18px!important;height:18px!important;min-height:0!important;flex:0 0 18px;padding:0;margin:.15rem 0 0;appearance:auto}