:root{--ink:#17211c;--muted:#66736b;--paper:#f7f6f0;--card:#fff;--line:#dfe3dc;--accent:#e6a817;--deep:#163b2c;--soft:#edf3ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--deep);text-decoration-thickness:1px;text-underline-offset:3px} .wrap{width:min(1120px,92vw);margin:auto}
header{position:sticky;top:0;z-index:30;background:rgba(247,246,240,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav{height:72px;display:flex;align-items:center;gap:26px}.logo{font-weight:850;text-decoration:none;letter-spacing:-.03em;font-size:1.1rem}.logo b{color:var(--deep)}
.navlinks{display:flex;gap:20px;margin-left:auto}.navlinks a{text-decoration:none;font-size:.93rem;font-weight:650}.menu{display:none;margin-left:auto;background:none;border:0;font-size:1.5rem}
.hero{padding:76px 0 52px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#6d5b18;font-size:.76rem}.hero h1{font-size:clamp(2.5rem,6vw,5.4rem);line-height:.96;letter-spacing:-.055em;max-width:900px;margin:.18em 0}.hero p{font-size:1.18rem;max-width:720px;color:var(--muted)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;background:var(--deep);color:#fff;text-decoration:none;padding:13px 18px;border-radius:9px;font-weight:800;border:1px solid var(--deep)}.btn.alt{background:transparent;color:var(--deep)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 8px 30px rgba(20,40,30,.04)}.card h2,.card h3{margin-top:0;line-height:1.15}.card p{color:var(--muted)}
section{padding:34px 0}.sectionhead{max-width:700px;margin-bottom:22px}.sectionhead h2{font-size:2rem;letter-spacing:-.035em;margin:.2em 0}
.breadcrumb{padding-top:22px;color:var(--muted);font-size:.88rem}.breadcrumb a{color:var(--muted)}
.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:52px;padding:34px 0 70px}.prose h2{font-size:1.8rem;letter-spacing:-.03em;margin-top:2em}.prose h3{margin-top:1.7em}.prose p,.prose li{font-size:1.04rem}.note{background:var(--soft);border-left:4px solid var(--deep);padding:18px 20px;border-radius:8px;margin:24px 0}.disclosure{font-size:.86rem;color:var(--muted);border:1px solid var(--line);padding:12px 14px;border-radius:8px}
.side{position:sticky;top:96px;align-self:start}.side .card{padding:20px}.side a{display:block;margin:10px 0}
.moneybox{background:var(--deep);color:#fff;padding:26px;border-radius:14px;margin:28px 0}.moneybox p{color:#e8eee9}.moneybox .btn{background:var(--accent);border-color:var(--accent);color:#17211c}
footer{background:#13251d;color:#dce6df;padding:48px 0;margin-top:40px}footer a{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.modal-backdrop{display:none;position:fixed;inset:0;background:rgba(7,18,13,.72);z-index:80;padding:20px;align-items:center;justify-content:center}.modal-backdrop.show{display:flex}.modal{position:relative;width:min(540px,96vw);background:#fff;border-radius:18px;padding:34px;box-shadow:0 30px 90px rgba(0,0,0,.35)}.modal h2{font-size:2rem;line-height:1.05;letter-spacing:-.04em;margin:.25em 0}.modal p{color:var(--muted)}.close{position:absolute;right:14px;top:12px;border:0;background:#edf1ed;border-radius:50%;width:36px;height:36px;font-size:1.25rem;cursor:pointer}.modal .micro{font-size:.78rem;margin-top:12px}
.badge{display:inline-block;background:#fff1c8;color:#634b00;border-radius:999px;padding:5px 9px;font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.06em}
@media(max-width:800px){.navlinks{display:none;position:absolute;top:72px;left:0;right:0;background:var(--paper);padding:20px 4vw;border-bottom:1px solid var(--line);flex-direction:column}.navlinks.open{display:flex}.menu{display:block}.grid{grid-template-columns:1fr}.article{grid-template-columns:1fr}.side{position:static}.hero{padding-top:52px}.foot{grid-template-columns:1fr}.hero h1{font-size:3.2rem}}