.knowledge{background:#fffdf8}
.knowledge-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.knowledge-card{min-height:235px;padding:34px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;transition:background .2s ease,transform .2s ease}
.knowledge-card:hover{background:var(--cream);transform:translateY(-2px)}
.knowledge-card.featured{background:var(--green);color:white}
.knowledge-card span{font-size:10px;letter-spacing:.18em;font-weight:700;color:var(--gold)}
.knowledge-card h3{font:600 25px/1.2 "Playfair Display",serif;margin:20px 0 12px}
.knowledge-card p{font-size:14px;color:var(--muted)}
.knowledge-card.featured p{color:#c5d5d0}
.knowledge-card b{font-size:12px;color:#e4c28b}
.contact-card strong{font:600 24px/1.25 "Playfair Display",serif;margin:4px 0 7px}
.consent{border-color:#c8d8d0;background:#eef5f1}
.consent a{color:var(--green)}
.resource-body{margin:0;background:#fffdf8;color:#152b2b;font-family:"DM Sans",sans-serif;line-height:1.68}
.resource-header{min-height:84px;padding:18px clamp(22px,5vw,72px);display:flex;align-items:center;justify-content:space-between;background:#fffdf8;border-bottom:1px solid #d9dfd9;position:sticky;top:0;z-index:20}
.resource-brand{display:flex;align-items:center;gap:12px;color:#152b2b;text-decoration:none}
.resource-brand strong{display:block;font-size:17px;letter-spacing:.09em}
.resource-brand small{display:block;margin-top:5px;font-size:8px;letter-spacing:.2em}
.resource-nav{display:flex;gap:24px;align-items:center}
.resource-nav a{font-size:12px;font-weight:700;color:#152b2b;text-decoration:none}
.resource-nav .resource-nav-cta{padding:11px 15px;background:#0d413b;color:white}
.resource-hero{padding:90px clamp(24px,9vw,150px) 80px;background:#f7f3ea;border-bottom:1px solid #d9dfd9}
.resource-hero .breadcrumb{font-size:11px;color:#687573;margin-bottom:26px}
.resource-hero .breadcrumb a{color:#0d413b}
.resource-kicker{font-size:11px;letter-spacing:.2em;font-weight:700;color:#c89142}
.resource-hero h1{max-width:950px;font:600 clamp(45px,6vw,78px)/1.04 "Playfair Display",serif;letter-spacing:-.035em;margin:18px 0 24px}
.resource-hero .resource-lead{max-width:820px;color:#4b5b58;font-size:19px}
.resource-meta{font-size:11px;color:#7b8582;margin-top:25px}
.resource-shell{display:grid;grid-template-columns:minmax(0,760px) 270px;gap:80px;max-width:1180px;margin:0 auto;padding:80px 28px 100px}
.resource-copy h2{font:600 38px/1.15 "Playfair Display",serif;margin:58px 0 18px;letter-spacing:-.02em}
.resource-copy h2:first-child{margin-top:0}
.resource-copy h3{font:600 24px/1.25 "Playfair Display",serif;margin:34px 0 12px}
.resource-copy p,.resource-copy li{color:#465653}
.resource-copy a{color:#0d5b50;font-weight:600}
.resource-copy ul,.resource-copy ol{padding-left:22px}
.resource-copy li{margin:8px 0}
.resource-copy .answer{font-size:20px;color:#213d39;border-left:3px solid #c89142;padding:4px 0 4px 22px}
.formula{background:#edf4f0;border:1px solid #ccddd4;padding:22px 24px;margin:24px 0;font-weight:700;color:#173b34}
.example{background:#f7f3ea;border-top:3px solid #c89142;padding:28px;margin:30px 0}
.example h3{margin-top:0}
.data-table{width:100%;border-collapse:collapse;margin:25px 0;font-size:14px}
.data-table th,.data-table td{padding:13px 14px;border:1px solid #d9dfd9;text-align:left;vertical-align:top}
.data-table th{background:#edf4f0;color:#173b34}
.callout{padding:22px 24px;background:#173b34;color:white;margin:28px 0}
.callout p{color:#d5e0dc;margin:0}
.resource-aside{align-self:start;position:sticky;top:115px;border-top:3px solid #c89142;padding-top:18px}
.resource-aside strong{font-size:11px;letter-spacing:.14em;color:#c89142}
.resource-aside a{display:block;padding:11px 0;border-bottom:1px solid #d9dfd9;color:#173b34;text-decoration:none;font-size:13px;font-weight:600}
.resource-cta{padding:70px 24px;background:#0d413b;color:white;text-align:center}
.resource-cta h2{font:600 clamp(36px,5vw,58px)/1.1 "Playfair Display",serif;margin:0 0 18px}
.resource-cta p{color:#bfd0ca;max-width:700px;margin:0 auto 28px}
.resource-button{display:inline-flex;padding:15px 22px;background:#fff;color:#0d413b;text-decoration:none;font-weight:700;font-size:13px}
.resource-footer{padding:48px clamp(24px,7vw,100px);display:grid;grid-template-columns:1fr 1fr 1fr;gap:34px;background:#0b2422;color:#c2cfcb;font-size:12px}
.resource-footer a{color:white}
.resource-footer p{margin:5px 0}
.calculator{background:white;border:1px solid #d9dfd9;padding:30px;margin:30px 0}
.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.calculator label{font-size:12px;font-weight:700}
.calculator input{display:block;width:100%;margin-top:7px;padding:13px;border:1px solid #cbd5d0;font:15px "DM Sans",sans-serif}
.calculator button{grid-column:1/-1;padding:16px;border:0;background:#0d413b;color:white;font-weight:700;cursor:pointer}
.calculator-output{margin-top:24px;padding:26px;background:#edf4f0;border-left:4px solid #c89142}
.calculator-output[hidden]{display:none}
.result-range{font:600 34px "Playfair Display",serif;color:#0d413b;margin:4px 0 16px}
.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.result-grid div{background:white;padding:15px}
.result-grid span{display:block;color:#687573;font-size:11px}
.result-grid strong{font-size:18px}
.calculator-error{color:#9d2f20;font-weight:700}
.fine-print{font-size:11px;color:#77817f}
@media(max-width:900px){.knowledge-grid{grid-template-columns:repeat(2,1fr)}.resource-shell{grid-template-columns:1fr}.resource-aside{position:static;order:-1}.resource-nav a:not(.resource-nav-cta){display:none}.resource-footer{grid-template-columns:1fr}}
@media(max-width:620px){.knowledge-grid,.calculator-grid,.result-grid{grid-template-columns:1fr}.knowledge-card{min-height:auto}.resource-hero{padding-top:64px}.resource-shell{padding-top:55px}.resource-copy h2{font-size:32px}.resource-header{min-height:74px}.resource-brand small{display:none}}