:root{--paper:#faf8f3;--ink:#203c42;--muted:#52666a;--line:#d9ded8;--sand:#f0e9dc;--white:#fff;--sea:#244e57;--serif:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--paper);font-family:Arial,Helvetica,sans-serif;font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0}a{color:inherit;text-decoration:none}button,input{font:inherit}img{display:block;max-width:100%}p{line-height:1.65}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);font-weight:400;letter-spacing:-.055em}h2{font-size:clamp(2.3rem,4.5vw,4.3rem);line-height:1.07;margin-bottom:28px}em{font-weight:400;color:var(--muted)}:focus-visible{outline:3px solid #ad5133;outline-offset:6px}.wrap{width:min(1280px,calc(100% - 96px));margin-inline:auto}.header{display:flex;align-items:center;justify-content:space-between;min-height:112px;gap:30px}.brand{display:flex;align-items:center;gap:12px;font-weight:700;font-size:20px;line-height:1.05;letter-spacing:-.04em}.brand-symbol{font-family:var(--serif);font-size:68px;font-weight:400;line-height:.7;transform:rotate(-12deg)}.brand-domain{display:block;font-size:10px;letter-spacing:.14em;font-weight:400;margin-top:7px}.header nav{display:flex;gap:36px;font-size:14px}.header nav a,.header-link{padding-block:14px}.header-link{font-size:14px;border-bottom:1px solid var(--ink)}.skip{position:absolute;top:-80px;left:20px;z-index:10;background:var(--white);padding:16px}.skip:focus{top:16px}.hero-photo{min-height:610px;position:relative;border-radius:8px;overflow:hidden;background:var(--sea)}.hero-photo>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 48%}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,35,42,.86),rgba(10,35,42,.48) 55%,rgba(10,35,42,.06))}.hero-content{position:relative;color:var(--white);padding:58px 64px 24px}.eyebrow{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;margin-bottom:24px;line-height:1.6}.hero h1{font-size:clamp(3.2rem,5.9vw,5.7rem);line-height:1.03;max-width:860px;margin-bottom:26px}.hero em{color:#e8dfc9}.hero-description{font-size:16px;color:#f4f2e9;line-height:1.7;margin-bottom:30px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:36px;min-height:54px;padding:16px 24px;background:var(--sea);color:var(--white);border-radius:4px;font-size:14px;font-weight:600;transition:background .2s}.button:hover{background:#163840}.hero .button{background:var(--paper);color:var(--ink)}.hero .button:hover{background:var(--sand)}.hero-bottom{display:flex;justify-content:space-between;gap:24px;font-size:10px;letter-spacing:.04em;margin-top:50px;color:#f4f2e9}.hero-foot{display:flex;justify-content:space-between;gap:20px;padding:24px 0;border-bottom:1px solid var(--line);font-size:12px;color:var(--muted)}.hero-foot a{color:var(--ink);white-space:nowrap}.mobile-break{display:none}.scenarios{padding-block:104px}.section-head{display:grid;grid-template-columns:1.3fr 1fr;column-gap:80px;align-items:end}.section-head .eyebrow{grid-column:1/-1}.section-head>p:last-child{max-width:380px;font-size:16px;line-height:1.75;margin-bottom:34px;color:var(--muted)}.scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:24px}.scenario-grid>a{padding:32px;border:1px solid var(--line);border-radius:5px;display:flex;flex-direction:column;transition:background 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li>span{font-family:var(--serif);font-style:italic;font-size:24px;line-height:1.3}.approach li:last-child{border:0}.approach li h3{font-size:20px;margin-bottom:12px}.approach li p{font-size:14px;color:var(--muted);margin-bottom:0;max-width:390px}.guides{padding-block:90px}.guides-head{display:flex;gap:32px;justify-content:space-between;align-items:end;margin-bottom:20px}.all-guides{font-size:13px;padding-bottom:34px;white-space:nowrap}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}.guide-card{display:flex;flex-direction:column;border-top:1px solid var(--ink);padding:22px 0 12px}.guide-number{font-size:10px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin-bottom:25px}.guide-card h3{font-family:var(--serif);font-size:28px;margin-bottom:16px}.guide-card>p{font-size:13px;color:var(--muted)}.guide-card:hover h3{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}.contact{border-radius:6px;background:var(--sea);color:var(--white);text-align:center;padding:70px 48px;margin-bottom:78px}.contact h2{max-width:800px;margin-inline:auto}.contact>p:not(.eyebrow){font-size:15px;max-width:510px;margin:0 auto 28px;color:#e3edeb}.contact .button{background:var(--paper);color:var(--ink)}.footer{border-top:1px solid var(--line);display:grid;grid-template-columns:1fr auto;gap:30px;padding:34px 0}.footer-brand{font-size:22px;font-family:var(--serif)}.footer-brand span{display:block;font-size:11px;font-family:Arial,sans-serif;margin-top:12px;color:var(--muted)}.footer nav{display:flex;gap:24px;font-size:11px;align-items:center;flex-wrap:wrap}.footer p{grid-column:1/-1;font-size:10px;color:var(--muted);margin:0}.article-heading{padding-top:32px;padding-bottom:54px}.breadcrumbs{display:flex;flex-wrap:wrap;gap:10px;font-size:12px;color:var(--muted);margin-bottom:52px;line-height:1.8}.breadcrumbs a{text-decoration:underline;text-underline-offset:4px}.article-heading h1{font-size:clamp(2.6rem,5vw,4.9rem);line-height:1.08;max-width:1000px;margin-bottom:28px}.article-heading>p:not(.eyebrow){max-width:730px;color:var(--muted);font-size:18px}.byline{font-size:11px;color:var(--muted)}.article-layout{display:grid;grid-template-columns:260px minmax(0,740px);gap:80px;align-items:start;border-top:1px solid var(--line);padding-top:52px}.contents{position:sticky;top:24px}.contents nav{display:grid;gap:18px;font-size:13px;line-height:1.6}.contents nav a:hover{text-decoration:underline}.article-body h2{font-size:34px;letter-spacing:-.035em;margin-bottom:22px}.article-body section{margin-bottom:52px}.article-body p,.article-body li{font-size:16px;line-height:1.85}.article-body ul{padding-left:24px;margin-block:24px}.article-body li{margin-bottom:14px;padding-left:8px}.article-body li::marker{color:var(--sea)}.faq{background:var(--sand);padding:28px;border-radius:5px}.faq h2{font-size:26px}.faq summary{cursor:pointer;font-size:16px;line-height:1.5}.faq p{margin:20px 0 0}.editorial-note{border-top:1px solid var(--line);padding-top:24px;font-size:12px!important;color:var(--muted)}.editorial-note a{text-decoration:underline}.hub-grid{row-gap:44px}.legal-body{max-width:800px;min-height:340px;font-size:18px;padding-bottom:80px}.legal-body a{font-size:14px;text-decoration:underline}
@media(min-width:1600px){.hero-photo{min-height:680px}.hero h1{font-size:90px}}
@media(max-width:1000px){.wrap{width:calc(100% - 48px)}.hero-content{padding:44px 36px 24px}.hero-photo{min-height:590px}.hero h1{font-size:68px}.scenario-grid{gap:16px}.scenario-grid>a{padding:24px}.approach-inner{gap:48px}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:32px}.header nav{gap:20px}}
@media(max-width:640px){.wrap{width:calc(100% - 32px)}.header{min-height:94px;gap:16px;flex-wrap:wrap;padding-block:18px}.brand{font-size:17px;gap:8px}.brand-symbol{font-size:50px}.header nav{order:3;width:100%;gap:24px;font-size:12px}.header nav a{padding:4px 0;min-height:28px}.header-link{font-size:12px}.hero-photo{min-height:610px}.hero-content{padding:32px 24px 22px}.hero h1{font-size:clamp(38px,9vw,58px);line-height:1.06;margin-bottom:22px;letter-spacing:-.045em}.hero .eyebrow{font-size:9px}.hero-description{font-size:14px;max-width:260px}.hero-shade{background:linear-gradient(90deg,rgba(10,35,42,.86),rgba(10,35,42,.35)),linear-gradient(0deg,rgba(10,35,42,.3),transparent)}.hero-photo>img{object-position:58% 50%}.hero-bottom{display:grid;gap:12px;margin-top:72px;font-size:9px}.hero-foot{display:grid;font-size:11px;gap:12px;padding-block:20px}.mobile-break{display:block}.scenarios{padding-block:64px}.section-head{display:block}.section-head>p:last-child{font-size:15px;max-width:310px}.scenario-grid,.guide-grid{grid-template-columns:1fr;gap:20px}.scenario-grid>a{padding:26px}.scenario-icon{margin-bottom:24px}.scenario-grid p{max-width:none;margin-bottom:18px}.approach{padding-block:60px}.approach-inner{grid-template-columns:1fr;gap:24px}.approach li{gap:18px}.guides{padding-block:60px}.guides-head{align-items:start;flex-direction:column;gap:0}.all-guides{padding-bottom:20px}.guide-card{padding:20px 0}.guide-number{margin-bottom:16px}.guide-card h3{margin-bottom:12px}.contact{padding:48px 24px;margin-bottom:50px}.contact h2{font-size:36px}.footer{grid-template-columns:1fr;gap:26px}.footer nav{flex-direction:column;align-items:start;gap:14px}.article-heading{padding-top:22px;padding-bottom:34px}.breadcrumbs{margin-bottom:36px;font-size:11px}.article-heading h1{font-size:40px;overflow-wrap:break-word}.article-heading>p:not(.eyebrow){font-size:16px}.article-layout{display:block;padding-top:28px}.contents{position:static;padding-bottom:28px;margin-bottom:32px;border-bottom:1px solid var(--line)}.article-body h2{font-size:30px}.article-body p,.article-body li{font-size:16px}.article-body section{margin-bottom:40px}.faq{padding:22px}.legal-body{font-size:16px}}
.guides-head>div{min-width:0;max-width:100%}h1,h2{overflow-wrap:anywhere}
/* Coastal editorial finish: image-led scenarios, compact reading cards. */
:root{--card:#fffefa;--card-line:#e3e2d9;--accent:#a2583b;--shadow:0 12px 36px rgb(32 60 66 / 6%)}
.header{min-height:104px}.brand{font-size:18px;gap:13px;letter-spacing:-.035em}.brand-symbol{width:45px;height:45px;flex-shrink:0;transform:none}
.header nav a{position:relative}.header nav a::after{content:"";position:absolute;left:0;right:0;bottom:7px;height:1px;background:currentColor;transform:scaleX(0);transform-origin:left;transition:transform .2s}.header nav a:hover::after{transform:scaleX(1)}
.header-link{display:inline-flex;align-items:center;gap:28px;border:1px solid #b8c4be;border-radius:999px;padding:13px 20px;font-weight:600}
.header-link:hover{background:var(--sand)}.hero-photo{border-radius:14px}.hero h1{letter-spacing:-.05em}.hero-content{padding:60px 64px 26px}.hero-description{font-size:17px;max-width:480px}.hero-bottom{margin-top:42px}
.button{border-radius:999px;min-height:58px;padding:17px 26px;gap:40px;font-size:14px;box-shadow:0 3px 10px rgb(0 0 0 / 4%)}.button>span{font-size:20px;line-height:1;transition:transform .2s}.button:hover>span{transform:translate(2px,-2px)}
.hero-foot{padding:23px 4px;font-size:13px}.hero-foot a{font-weight:600}.hero-foot a:hover{text-decoration:underline;text-underline-offset:5px}
.scenarios{padding-block:86px 78px}.section-head{grid-template-columns:1.15fr 1fr;column-gap:64px}.section-head h2{font-size:clamp(40px,4.3vw,62px);margin-bottom:24px}.section-head>p:last-child{font-size:16px;max-width:410px;margin-bottom:28px}.eyebrow{font-size:11px;letter-spacing:.12em}.scenario-grid{gap:24px;margin-top:24px}
.scenario-grid>a{padding:0;overflow:hidden;border:1px solid var(--card-line);border-radius:12px;background:var(--card);box-shadow:var(--shadow);transition:transform .25s,box-shadow .25s,border-color .25s}
.scenario-grid>a:hover,.scenario-grid>a:focus-visible{background:var(--card);transform:translateY(-5px);border-color:#a4b6b0;box-shadow:0 18px 40px rgb(32 60 66 / 12%)}
.scenario-media{position:relative;aspect-ratio:1.5;overflow:hidden;background:var(--sand)}.scenario-media img{width:100%;height:100%;object-fit:cover;transition:transform .65s cubic-bezier(.2,.65,.3,1)}.scenario-card:hover img{transform:scale(1.045)}
.scenario-tag{position:absolute;top:18px;left:18px;background:var(--paper);color:var(--ink);padding:9px 13px;border-radius:999px;font-size:11px;font-weight:600;line-height:1.2;box-shadow:0 2px 6px rgb(0 0 0 / 5%)}
.scenario-number{position:absolute;bottom:16px;right:18px;display:grid;place-items:center;width:34px;height:34px;border-radius:50%;font-size:11px;color:var(--ink);background:var(--paper)}
.scenario-copy{padding:28px;display:flex;flex-direction:column;flex:1}.scenario-grid h3{font-family:var(--serif);font-size:31px;font-weight:400;letter-spacing:-.04em;margin:0 0 15px}.scenario-grid p{font-size:14px;line-height:1.75;max-width:none;margin:0 0 25px}
.read{align-items:center;font-size:13px;padding-top:19px;border-top:1px solid var(--card-line);min-height:55px;gap:16px}.arrow-circle{display:grid;place-items:center;flex-shrink:0;width:35px;height:35px;border:1px solid #b8c4be;border-radius:50%;font-size:19px;font-weight:400;line-height:1;transition:color .2s,background .2s,transform .2s}.scenario-card:hover .arrow-circle,.guide-card:hover .arrow-circle{color:var(--white);background:var(--sea);border-color:var(--sea);transform:rotate(4deg)}
.image-note{font-size:11px;line-height:1.5;color:var(--muted);margin:18px 2px 0}
.approach{padding-block:74px;background:#ede9df}.approach-inner{gap:88px}.approach h2{font-size:clamp(40px,4.3vw,62px)}.approach-intro{font-size:15px;max-width:335px}.approach li{gap:24px;padding:25px 0}.approach li>span{display:grid;place-items:center;flex-shrink:0;width:38px;height:38px;border:1px solid #b6beb3;border-radius:50%;font-family:Arial,sans-serif;font-size:11px;font-style:normal;color:var(--ink)}.approach li h3{font-size:19px;font-weight:600;margin:6px 0 11px}.approach li p{font-size:14px;max-width:420px}
.guides{padding-block:78px}.guides-head{align-items:center;margin-bottom:27px}.guides-head h2{font-size:clamp(38px,4.2vw,60px);margin-bottom:0}.guides-head .eyebrow{margin-bottom:20px}.all-guides{display:inline-flex;align-items:center;padding:13px 18px;border:1px solid #b8c4be;border-radius:999px;white-space:normal;font-size:12px;flex-shrink:0}.all-guides:hover{background:var(--sand)}
.guide-grid{gap:24px}.guide-card{position:relative;border:1px solid var(--card-line);border-radius:10px;padding:26px;background:#f0eee6;transition:background .2s,border-color .2s,transform .2s}.guide-card:nth-child(3n+2){background:#eaf0eb}.guide-card:nth-child(3n+3){background:#eceeed}.guide-card:hover{border-color:#a4b6b0;background:var(--card);transform:translateY(-3px)}
.guide-top{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-bottom:28px}.guide-index{font-family:var(--serif);font-size:32px;line-height:1;color:var(--muted)}.guide-category{font-size:10px;text-transform:uppercase;letter-spacing:.09em;line-height:1.6;text-align:right;color:var(--muted)}.guide-copy{display:flex;flex-direction:column;flex:1}.guide-card h3{font-size:29px;line-height:1.16;margin-bottom:15px}.guide-card:hover h3{text-decoration:none}.guide-copy>p{font-size:13px;line-height:1.75;color:var(--muted);margin-bottom:27px}.guide-card .read{border-color:#d0d8d0}.guide-card .arrow-circle{width:31px;height:31px;font-size:17px}.guide-card .read{font-size:12px}
.contact{position:relative;overflow:hidden;display:flex;align-items:center;justify-content:space-between;gap:64px;text-align:left;border-radius:14px;padding:58px 62px;margin-bottom:70px;background:#234b53}.contact::after{content:"";position:absolute;width:470px;height:470px;right:-170px;top:-290px;border:1px solid rgb(232 223 201 / 20%);border-radius:50%;box-shadow:0 0 0 55px rgb(232 223 201 / 4%),0 0 0 110px rgb(232 223 201 / 3%);pointer-events:none}.contact-copy{max-width:710px;position:relative;z-index:1}.contact .eyebrow{color:#dedbc9;margin-bottom:22px}.contact h2{font-size:clamp(34px,3.8vw,52px);line-height:1.1;letter-spacing:-.045em;margin:0 0 20px}.contact-copy>p:last-child{font-size:14px;line-height:1.75;color:#e3edeb;max-width:525px;margin:0}.contact .button{flex-shrink:0;position:relative;z-index:1;gap:28px}
.footer{padding:35px 2px;gap:28px}.footer-brand{font-size:25px}.footer-brand span{font-size:12px;margin-top:10px}.footer nav{font-size:12px;gap:25px}.footer nav a{padding-block:6px}.footer nav a:hover{text-decoration:underline;text-underline-offset:4px}.footer p{font-size:11px}
.article-heading h1{letter-spacing:-.045em}.article-heading{padding-bottom:46px}.article-layout{gap:64px}.contents nav a{padding-block:3px}.hub-grid{margin-top:10px}
@media(max-width:1100px){.scenario-grid,.guide-grid{gap:18px}.scenario-copy{padding:22px}.scenario-grid h3{font-size:27px}.guide-card{padding:23px}.guide-card h3{font-size:26px}.contact{padding:46px 40px;gap:32px}.contact .button{padding-inline:22px;gap:20px}.hero-content{padding:48px 42px 26px}.approach-inner{gap:50px}}
@media(min-width:641px) and (max-width:850px){.scenario-grid{grid-template-columns:1fr}.scenario-grid>a{display:grid;grid-template-columns:43% 1fr}.scenario-media{aspect-ratio:auto;min-height:260px}.scenario-copy{padding:28px}.scenario-grid h3{font-size:32px}.guide-grid{grid-template-columns:1fr}.guide-card{padding:26px;display:grid;grid-template-columns:145px 1fr;column-gap:28px}.guide-top{flex-direction:column;align-items:start;justify-content:start;margin:0;gap:16px}.guide-category{text-align:left}.guide-card .read{grid-column:2}.guide-copy>p{margin-bottom:22px}.guide-card h3{font-size:30px}.contact{align-items:start;flex-direction:column;gap:28px}.section-head{column-gap:36px}.section-head>p:last-child{font-size:15px}.hero h1{font-size:62px}}
@media(max-width:640px){.header{min-height:100px;padding-block:20px;gap:17px}.brand{font-size:16px;gap:9px}.brand-symbol{width:35px;height:35px}.brand-domain{font-size:9px}.header-link{font-size:11px;padding:11px 13px;gap:13px}.header nav{font-size:13px;gap:26px}.header nav a{min-height:29px}.hero-photo{border-radius:12px;min-height:580px}.hero-content{padding:34px 23px 22px}.hero h1{font-size:clamp(38px,9vw,58px)}.hero-description{font-size:14px;max-width:285px}.hero-bottom{margin-top:48px;gap:10px}.hero-foot{font-size:11px;padding:20px 2px;gap:14px}.hero-foot a{white-space:normal}.button{padding:16px 22px;gap:28px;min-height:54px}.scenarios{padding-block:58px 54px}.section-head h2{font-size:40px;margin-bottom:22px}.section-head>p:last-child{font-size:14px;line-height:1.8;margin-bottom:25px}.scenario-grid{gap:22px;margin-top:24px}.scenario-grid>a{padding:0}.scenario-media{aspect-ratio:1.5}.scenario-copy{padding:23px}.scenario-grid h3{font-size:29px}.scenario-grid p{font-size:14px;margin-bottom:23px}.scenario-tag{top:14px;left:14px;font-size:10px;padding:8px 11px}.scenario-number{bottom:14px;right:14px;width:29px;height:29px;font-size:10px}.read{font-size:12px}.image-note{font-size:10px;max-width:260px;margin-top:17px}.approach{padding-block:54px}.approach-inner{gap:22px}.approach h2{font-size:40px}.approach li{gap:17px}.approach li>span{width:32px;height:32px;font-size:10px}.approach li h3{font-size:18px;margin-top:4px}.approach li p{font-size:14px}.guides{padding-block:54px}.guides-head{align-items:start;gap:24px;margin-bottom:24px}.guides-head h2{font-size:38px}.all-guides{font-size:12px;padding:11px 16px}.guide-grid{gap:18px}.guide-card{padding:24px}.guide-top{margin-bottom:25px}.guide-card h3{font-size:29px}.guide-copy>p{font-size:14px}.guide-card .read{font-size:12px}.contact{padding:36px 26px;border-radius:12px;flex-direction:column;align-items:start;gap:27px;margin-bottom:48px}.contact h2{font-size:34px;line-height:1.12}.contact .eyebrow{font-size:10px;margin-bottom:18px}.contact-copy>p:last-child{font-size:14px}.contact .button{gap:30px}.footer{gap:23px;padding-block:29px}.footer nav{gap:8px}.footer p{font-size:10px}.article-layout{padding-top:28px}.article-heading h1{font-size:38px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}