/* Savmira — "Grainbin" layout (Nov 10, 2026): savings-jar and shelf-label look.
   Spruce green / lilac on ivory, slab-serif heads, label-tag trust strip, jar-lid header stripe. */
:root{--sp:#1d4a3c;--sp2:#2c6a55;--sp3:#103027;--li:#c7b3e5;--li2:#9c82c9;--liw:#f1ebf9;--iv:#fbf8f1;--iv2:#f3eee2;--ice:#e5f0ec;
--ink:#1d2621;--mute:#56625b;--rule:#ddd5c4;--hd:"Rockwell","Roboto Slab","Zilla Slab","Courier New",Georgia,serif;--bd:"Segoe UI","Helvetica Neue",Arial,system-ui,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--iv);color:var(--ink);font:17px/1.65 var(--bd);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--sp2);text-underline-offset:3px}
a:hover{color:var(--sp3)}
a[href^="tel:"],.tel{white-space:nowrap}
h1,h2,h3{font-family:var(--hd);color:var(--sp3);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.85rem,3.3vw,2.75rem);letter-spacing:-.01em}
h2{font-size:clamp(1.35rem,2.2vw,1.75rem)}
h3{font-size:1.12rem}
p{margin:0 0 1em}
.wrap{width:min(1180px,calc(100% - 48px));margin:0 auto}
.wrap.thin{width:min(820px,calc(100% - 48px))}
.jumpto{position:absolute;left:-9999px;top:0;background:var(--sp);color:#fff;padding:8px 14px;z-index:50}
.jumpto:focus{left:10px;top:10px}
/* header: ivory shelf with a spruce lid line and lilac band */
header,.gbhead{position:sticky;top:0;z-index:20}
.gbhead{background:var(--iv);border-top:6px solid var(--sp);box-shadow:0 3px 0 var(--li)}
.hbar{display:flex;align-items:center;gap:22px;min-height:70px}
.logo{flex:0 0 auto;display:block}
.logo img{width:176px;height:auto}
.hbar nav{flex:1 1 auto;min-width:0}
.gbnav{list-style:none;margin:0;padding:0;display:flex;gap:20px;justify-content:center;flex-wrap:nowrap}
.gbnav a{display:block;padding:10px 2px;color:var(--ink);text-decoration:none;font:600 .98rem var(--bd);white-space:nowrap;border-bottom:3px solid transparent}
.gbnav a:hover{border-bottom-color:var(--li2)}
.gbnav a[aria-current="page"]{border-bottom-color:var(--sp);color:var(--sp)}
.gbgo{flex:0 0 auto;background:var(--sp);color:#fff;text-decoration:none;font:700 .96rem var(--bd);padding:11px 18px;border-radius:999px;white-space:nowrap;border:2px solid var(--sp)}
.gbgo:hover{background:var(--iv);color:var(--sp)}
/* hero framing: start below the header, cover + object-position on the faces, text off the faces */
.hero{margin:0;padding:0}
.hero img,.hero picture img{object-fit:cover;object-position:center top}
.hero{background:linear-gradient(180deg,var(--liw) 0,var(--liw) 72%,var(--iv) 72%)}
.hsplit{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.12fr);gap:40px;align-items:center;padding:34px 0 40px}
.hcard{background:#fff;border:2px solid var(--sp);border-radius:18px;padding:26px 28px 22px;position:relative}
.hcard .tagline{display:inline-block;background:var(--li);color:var(--sp3);font:700 .8rem var(--bd);letter-spacing:.08em;text-transform:uppercase;padding:5px 12px 5px 22px;border-radius:4px 14px 14px 4px;position:relative;margin:0 0 14px}
.hcard .tagline::before{content:"";position:absolute;left:8px;top:50%;width:7px;height:7px;margin-top:-3.5px;border-radius:50%;background:var(--iv)}
.hcard h1{margin-bottom:.4em}
.deck{font-size:1.06rem;color:var(--ink)}
.acts{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0 12px}
.bt{display:inline-block;background:var(--sp);color:#fff;text-decoration:none;font:700 1rem var(--bd);padding:12px 20px;border-radius:999px;border:2px solid var(--sp)}
.bt:hover{background:var(--sp3);color:#fff}
.bt.alt{background:transparent;color:var(--sp)}
.bt.alt:hover{background:var(--li);color:var(--sp3)}
.fine{font-size:.86rem;color:var(--mute);margin:0}
.hphoto{margin:0;border-radius:26px 26px 12px 12px;overflow:hidden;border:4px solid var(--sp);box-shadow:10px 10px 0 var(--li)}
.hphoto img{width:100%;aspect-ratio:16/11;object-fit:cover;object-position:center 22%}
/* label-tag trust strip */
.tags{list-style:none;margin:0;padding:26px 0 8px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tags li{background:#fff;border:1px solid var(--rule);border-left:8px solid var(--li);border-radius:6px 16px 16px 6px;padding:14px 16px}
.tags b{display:block;font-family:var(--hd);color:var(--sp3);font-size:1.02rem;margin-bottom:3px}
.tags span{font-size:.93rem;color:var(--mute)}
/* bands */
.band{padding:56px 0}
.band.ice{background:var(--ice)}
.band.lw{background:var(--liw)}
.lead{max-width:760px;margin-bottom:26px}
/* three connected steps */
.trio{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:st;position:relative}
.trio::before{content:"";position:absolute;left:8%;right:8%;top:24px;border-top:3px dotted var(--li2);z-index:0}
.trio li{counter-increment:st;position:relative;z-index:1;background:var(--iv);padding:0 6px}
.trio li::before{content:counter(st);display:flex;align-items:center;justify-content:center;width:50px;height:50px;border-radius:50%;background:var(--sp);color:#fff;font:700 1.3rem var(--hd);border:4px solid var(--li);margin-bottom:12px}
/* guide cards: 3 + 2 */
.jars{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.jar{grid-column:span 2;background:#fff;border:1px solid var(--rule);border-radius:16px;overflow:hidden;display:flex;flex-direction:column}
.jar:nth-child(4){grid-column:2/4}.jar:nth-child(5){grid-column:4/6}
.jar .ph{display:block;border-bottom:5px solid var(--li)}
.jar .ph img{width:100%;aspect-ratio:4/3;object-fit:cover;object-position:center 25%}
.jbody{padding:16px 18px 18px;display:flex;flex-direction:column;flex:1}
.chip{display:inline-block;align-self:flex-start;font:700 .76rem var(--bd);letter-spacing:.06em;text-transform:uppercase;color:var(--sp);background:var(--ice);padding:3px 10px;border-radius:999px;margin-bottom:8px}
.jbody h3 a{color:var(--sp3);text-decoration:none}
.jbody h3 a:hover{text-decoration:underline}
.jbody p{font-size:.95rem}
.more{margin-top:auto;margin-bottom:0;font-weight:700}
/* duo */
.duo{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:40px;align-items:center}
.frame{margin:0;border-radius:18px;overflow:hidden;border:3px solid var(--sp)}
.frame img{width:100%;object-fit:cover;object-position:center 25%}
.frame.banner{width:min(980px,calc(100% - 48px));margin:0 auto 34px;border-radius:20px}
.frame.banner img{aspect-ratio:16/9;object-position:center 35%}
.frame.banner img[src$="sv_art_avail.jpg"]{object-position:center 8%}
/* tables */
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;margin:18px 0}
table.bin,table.facts{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem}
table.bin caption{caption-side:top;text-align:left;font:700 .9rem var(--bd);color:var(--sp);padding:0 0 8px}
table.bin th{background:var(--sp);color:#fff;text-align:left;padding:9px 11px;font-weight:700}
table.bin td{border-bottom:1px solid var(--rule);padding:9px 11px;vertical-align:top}
table.bin tbody tr:nth-child(even) td{background:var(--liw)}
table.bin td.num{text-align:right;white-space:nowrap}
table.facts th{text-align:left;width:34%;background:var(--ice);padding:10px 12px;border-bottom:1px solid var(--rule);vertical-align:top}
table.facts td{padding:10px 12px;border-bottom:1px solid var(--rule)}
/* key terms */
.kgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0}
.kt{background:#fff;border:1px solid var(--rule);border-top:5px solid var(--li);border-radius:10px;padding:14px 16px}
.kt h3{font-size:1.02rem;margin-bottom:4px}
.kt p{font-size:.93rem;margin:0;color:var(--mute)}
/* faq */
.qs details{background:#fff;border:1px solid var(--rule);border-radius:12px;margin:0 0 12px;padding:0 18px}
.qs summary{cursor:pointer;font:700 1.02rem var(--hd);color:var(--sp3);padding:14px 0;list-style-position:outside}
.qs details p{margin:0 0 14px}
/* cta band */
.ctab{background:var(--sp);color:#fff;padding:44px 0;border-top:6px solid var(--li)}
.ctab .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px}
.ctab h2{color:#fff}
.ctab p{color:#e3eee9;margin:0}
.ctab .bt{background:var(--li);color:var(--sp3);border-color:var(--li);flex:0 0 auto}
.ctab .bt:hover{background:#fff}
/* headblock (above the banner) */
.topblock{padding:36px 0 26px}
.crumbs{font-size:.9rem;color:var(--mute);margin-bottom:10px}
.label{font:700 .8rem var(--bd);letter-spacing:.08em;text-transform:uppercase;color:var(--sp2);margin-bottom:8px}
.lede{font-size:1.1rem;color:var(--ink)}
.dateline,.updated{font-size:.9rem;color:var(--mute)}
/* article reading */
.readcols{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:48px;padding-bottom:56px}
.article{max-width:760px}
.article h2{margin-top:1.6em}
.article h2:first-child{margin-top:0}
.rail{position:sticky;top:100px;align-self:start;background:#fff;border:1px solid var(--rule);border-radius:14px;padding:18px 20px}
.rail h2{font-size:1rem;font-family:var(--bd);text-transform:uppercase;letter-spacing:.06em;color:var(--sp2)}
.rail ul{list-style:none;margin:0 0 16px;padding:0}
.rail li{margin:0 0 6px;font-size:.94rem}
.calc{background:var(--liw);border:2px solid var(--li);border-radius:16px;padding:20px 22px;margin:24px 0}
.calc h3{color:var(--sp)}
.chk{list-style:none;padding:0;margin:0 0 1em}
.chk li{position:relative;padding-left:32px;margin:0 0 8px}
.chk li::before{content:"";position:absolute;left:4px;top:5px;width:16px;height:9px;border-left:3px solid var(--sp2);border-bottom:3px solid var(--sp2);transform:rotate(-45deg)}
.qbox{background:var(--ice);border-radius:14px;padding:18px 22px;margin:24px 0}
.qbox ol{margin:0;padding-left:22px}
.qbox li{margin:0 0 6px}
.hublist{display:grid;gap:16px}
.hubrow{background:#fff;border:1px solid var(--rule);border-left:8px solid var(--sp);border-radius:8px 16px 16px 8px;padding:18px 22px}
.hubrow h2{font-size:1.3rem}
.reach{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.df{background:#fff;border:1px solid var(--rule);border-top:5px solid var(--sp);border-radius:12px;padding:16px 18px}
.legal h2{font-size:1.22rem;margin-top:1.5em}
.sample{background:#fff;border:1px dashed var(--li2);border-radius:12px;padding:12px 16px;margin:0 0 12px;font-size:.95rem}
.sample b{display:block;color:var(--sp);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.disc{font-size:.92rem;color:var(--mute);border-left:4px solid var(--li2);padding-left:12px;margin:18px 0}
/* footer */
.gbfoot{background:var(--sp3);color:#dfe9e4;padding:44px 0 28px;border-top:6px solid var(--li)}
.gbfoot .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:28px}
.gbfoot h2{color:var(--li);font-size:1rem;font-family:var(--bd);text-transform:uppercase;letter-spacing:.07em}
.gbfoot ul{list-style:none;margin:0;padding:0}
.gbfoot li{margin:0 0 6px}
.gbfoot a{color:#fff}
.gbfoot .base{border-top:1px solid #3c5c50;margin-top:22px;padding-top:14px;font-size:.87rem;color:#c5d4cd}
/* forms (live markup and mechanics, own look) */
.formcard{background:#fff;border:2px solid var(--sp);border-radius:18px;padding:24px;margin:22px 0}
fieldset.g{border:0;border-top:2px dotted var(--li2);margin:0;padding:16px 0 4px;min-width:0}
fieldset.g:first-of-type{border-top:0;padding-top:0}
fieldset.g legend{font:700 1.08rem var(--hd);color:var(--sp3);padding:0 8px 0 0}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px}
.fld{display:flex;flex-direction:column;margin:0 0 12px}
.fld label{font:600 .95rem var(--bd);color:var(--sp3);margin-bottom:5px}
.fld input,.fld select,.fld textarea{font:inherit;font-size:1rem;padding:10px 12px;border:1px solid #a9b2ac;border-radius:8px;background:#fff;color:var(--ink);width:100%}
.fld input:focus,.fld select:focus{outline:3px solid var(--li);border-color:var(--sp2)}
.err,.cerr{color:#a32314;font-size:.88rem;min-height:1em}
.hint{font-size:.92rem;color:var(--mute)}
.form-error{background:#fbe2dc;border:1px solid #e3a69c;color:#7b1d12;border-radius:8px;padding:10px 12px;margin-bottom:12px}
.form-error[hidden]{display:none}
.consent{position:relative;padding-left:32px;margin:8px 0 12px;font-size:.95rem}
.consent input[type=checkbox]{position:absolute;left:0;top:3px;width:20px;height:20px;margin:0;accent-color:var(--sp2)}
.consent label{display:block;color:var(--ink)}
.consent.consent-block{background:var(--liw);border:1px solid var(--li);border-radius:10px;padding:12px 14px 12px 44px}
.consent.consent-block input[type=checkbox]{left:14px;top:15px}
.consent.priv{background:var(--ice);border-radius:10px;padding:10px 12px 10px 42px}
.consent.priv input[type=checkbox]{left:12px;top:12px}
.consent.priv label{display:inline-block;max-width:100%}
.hp{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}
.form-f{margin-top:10px}
.form-f button{display:inline-flex;align-items:center;gap:8px;background:var(--sp);color:#fff;border:2px solid var(--sp);border-radius:999px;padding:13px 24px;font:700 1.02rem var(--bd);cursor:pointer}
.form-f button:hover{background:var(--sp3)}
.form-f .ic{width:20px;height:20px}
.form-note{font-size:.88rem;color:var(--mute);margin-top:10px}
.success{display:none;background:var(--ice);border:1px solid #b6d3c8;border-radius:14px;padding:20px}
.success.show{display:block}
.success .big .ic{width:34px;height:34px;color:var(--sp2)}
/* responsive */
@media (max-width:1100px){.gbnav{gap:14px}.gbnav a{font-size:.93rem}.logo img{width:150px}.hbar{gap:14px}}
@media (max-width:980px){
  .hbar{flex-wrap:wrap;row-gap:2px;padding-top:6px}
  .hbar nav{order:3;flex:1 0 100%}
  .gbnav{justify-content:space-between;gap:8px}
  .logo{margin-right:auto}
  .tags{grid-template-columns:repeat(2,1fr)}
  .readcols{grid-template-columns:minmax(0,1fr)}
  .rail{position:static}
  .gbfoot .cols{grid-template-columns:1fr 1fr}
  .kgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .hero{background:var(--liw)}
  .hsplit{grid-template-columns:1fr;gap:26px}
  .hsplit .hphoto{order:2}
  .jars{grid-template-columns:1fr 1fr}
  .jar,.jar:nth-child(4),.jar:nth-child(5){grid-column:auto}
  .trio{grid-template-columns:1fr;gap:20px}
  .trio::before{display:none}
  .duo,.reach{grid-template-columns:1fr}
  .ctab .wrap{flex-direction:column;align-items:flex-start}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .jars,.tags,.kgrid,.fgrid{grid-template-columns:1fr}
  .gbnav a{font-size:.84rem;padding:8px 1px}
  .gbgo{padding:9px 13px;font-size:.86rem}
  .logo img{width:132px}
  .hcard{padding:22px 18px 18px}
  .gbfoot .cols{grid-template-columns:1fr}
  table.bin{font-size:.88rem}
  table.bin th,table.bin td{padding:7px 7px}
  .band{padding:40px 0}
  .frame.banner img{aspect-ratio:4/3}
}
@media (max-width:400px){
  .wrap,.wrap.thin{width:calc(100% - 28px)}
  .gbnav{gap:2px}
  .gbnav a{font-size:.74rem}
  .frame.banner{width:calc(100% - 28px)}
}