:root{--ink:#1b1d29;--muted:#596070;--navy:#12172b;--gold:#b8893a;--gold2:#e6c27a;--ivory:#f7f1e6;--paper:#fffdf8;--line:#e2d8c3;--tint:#efe6d2}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--ivory)}
h1,h2,h3,.brand{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.01em;line-height:1.2}
a{color:#7a4f0c;text-underline-offset:2px}a:hover{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}.read{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.ribbon{background:var(--gold);color:#fff;text-align:center;font-size:14px;padding:7px 12px}.ribbon a{color:#fff}
.bar{background:var(--navy);position:sticky;top:0;z-index:5}.bar .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:6px 18px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ivory);text-decoration:none;font-size:21px;font-weight:700}.brand em{color:var(--gold2);font-style:italic}
.mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:8px;background:var(--ivory);color:var(--navy);position:relative;overflow:hidden}
.mark:before{content:"";position:absolute;left:15px;top:0;bottom:0;width:4px;background:var(--gold);opacity:.9}.mark{font-weight:800}
nav a{color:#e9e2d0;text-decoration:none;margin-left:18px;font-size:15px;padding:4px 0;border-bottom:2px solid transparent}nav a:hover,nav a[aria-current]{border-color:var(--gold2);color:#fff}
.hero{background:var(--navy);color:var(--ivory);padding:44px 0 40px;border-bottom:6px solid var(--gold)}
.hero.home{padding:72px 0 64px;background:linear-gradient(115deg,var(--navy) 0 62%,#1d2442 62% 100%);position:relative}
.hero.home:after{content:"";position:absolute;right:16%;top:0;bottom:0;width:28px;background:var(--gold);opacity:.85}
.hero h1{font-size:clamp(30px,5vw,50px);margin:.1em 0 .3em;max-width:760px}.hero .sub{font-size:19px;color:#d9d2bf;max-width:660px;margin:0}
.crumb{font-size:14px;color:#b9b3a1;margin:0}.crumb a{color:#e6c27a}
.cta{margin:26px 0 0;position:relative;z-index:1}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;margin:0 10px 10px 0;border:2px solid var(--gold);font-size:16px;cursor:pointer;font-family:inherit}
.btn.gold{background:var(--gold2);color:var(--navy)}.btn.gold:hover{background:#fff}.btn.ghost{color:var(--ivory);border-color:#6f7596}.btn.ghost:hover{background:#262d4e;color:#fff}
.pad{padding:44px 0}.tint{background:var(--tint)}h2{font-size:28px;margin:0 0 .5em}h3{font-size:20px;margin:.2em 0 .4em}
.lede{font-size:19px;color:#3b4150}.small{font-size:14px;color:var(--muted)}
.twocol{display:grid;grid-template-columns:1.5fr 1fr;gap:34px;align-items:start}
.note-card{background:var(--paper);border:1px solid var(--line);border-left:6px solid var(--gold);border-radius:10px;padding:18px 20px}.note-card.wide{margin:26px 0}.note-card h3{margin-top:0}.note-card ul{padding-left:20px;margin:.4em 0}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.tile{display:block;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:20px;color:var(--ink);text-decoration:none;position:relative}
a.tile:hover{border-color:var(--gold);box-shadow:0 6px 18px rgba(18,23,43,.1)}.tile .n{position:absolute;right:16px;top:10px;font:700 34px Georgia,serif;color:var(--gold2)}
.tile p{margin:0;color:#444a5a;font-size:16px}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:10px;background:var(--paper)}
table{border-collapse:collapse;width:100%}th,td{padding:10px 12px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);font-size:15px}
.terms th[scope=row]{background:var(--tint);min-width:130px;font-family:Georgia,serif}.terms thead th{background:var(--navy);color:var(--ivory);position:sticky;top:0}
.terms td{min-width:170px}
.tool{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:22px;margin:28px 0}.tool h2{font-size:24px}
fieldset{border:0;border-top:1px solid var(--line);padding:14px 0;margin:0}legend{font-weight:700;padding:0 8px 0 0}
fieldset label,.tool label{display:block;padding:4px 0}input[type=date]{font:inherit;padding:8px;border:1px solid #bfb394;border-radius:8px;background:#fff}
.mini{margin-top:14px}.mini th{background:var(--tint)}.result{background:var(--tint);border-left:6px solid var(--gold);padding:14px 18px;border-radius:8px;margin-top:10px}.result p{margin:.4em 0}
.checks{list-style:none;padding:0;margin:0}.checks li{background:var(--paper);border:1px solid var(--line);border-radius:10px;margin:0 0 10px;padding:12px 16px}.checks label{display:flex;gap:12px;cursor:pointer}.checks input{width:22px;height:22px;margin-top:4px;flex:none;accent-color:var(--gold)}
details{background:var(--paper);border:1px solid var(--line);border-radius:10px;margin:0 0 10px;padding:12px 16px}summary{cursor:pointer;font-weight:700}details p{margin:.6em 0 0}
.prose h2{margin-top:1.4em;font-size:24px}
footer{background:var(--navy);color:#cfc8b4;margin-top:20px;padding:36px 0 22px;font-size:15px}footer a{color:#e6c27a}footer ul{list-style:none;padding:0;margin:.4em 0}footer li{margin:.3em 0}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:30px}.fine{font-size:13px;color:#9aa0b8;margin-top:22px;border-top:1px solid #2a3150;padding-top:14px}
:focus-visible{outline:3px solid #e6c27a;outline-offset:2px}
@media(max-width:760px){.twocol,.foot{grid-template-columns:1fr}nav a{margin:0 14px 0 0}.hero.home{background:var(--navy)}.hero.home:after{display:none}
.terms thead{display:none}.terms,.terms tbody,.terms tr,.terms td,.terms th{display:block;width:100%}.terms tr{border-bottom:6px solid var(--tint)}.terms td{min-width:0;border:0;padding:6px 12px}.terms td:before{content:attr(data-l);display:block;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}.terms th[scope=row]{font-size:18px}}
@media print{.ribbon,.bar,footer,.btn,.hero{display:none}body{background:#fff}}

.badge{display:inline-block;margin-left:6px;padding:1px 8px;border-radius:999px;background:#eef0f6;border:1px solid #cfd4e4;color:#3b4150;font:600 12px/1.6 system-ui,sans-serif;white-space:nowrap;vertical-align:middle}.badge.vegas{background:#fff4d6;border-color:#e2b84a;color:#6b4e00}