:root{--ink:#29232a;--muted:#6d6470;--paper:#fffaf4;--card:#fff;--plum:#6f3f68;--plum2:#4e2d49;--gold:#b58a52;--line:#eadfd6;--rose:#f5e9ec;--shadow:0 18px 50px rgba(50,35,45,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.7 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper)}
a{color:var(--plum2);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1120px,92%);margin:auto}
header{background:rgba(255,250,244,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}.logo{font:700 22px Georgia,serif;text-decoration:none;color:var(--ink)}.logo span{color:var(--plum)}
nav a{margin-left:18px;text-decoration:none;font-size:14px;font-weight:700}.hero{padding:82px 0 58px;background:radial-gradient(circle at 80% 20%,#f1dfe6,transparent 32%),linear-gradient(180deg,#fffaf4,#f8eee8)}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:800;color:var(--plum)}h1,h2,h3{font-family:Georgia,serif;line-height:1.12}h1{font-size:clamp(42px,7vw,74px);max-width:900px;margin:.2em 0}h2{font-size:clamp(30px,4vw,46px)}h3{font-size:24px}.lede{font-size:21px;max-width:760px;color:var(--muted)}
.btn{display:inline-block;background:var(--plum);color:#fff;padding:14px 21px;border-radius:999px;text-decoration:none;font-weight:800;border:0;cursor:pointer}.btn:hover{background:var(--plum2)}.btn.alt{background:transparent;color:var(--plum2);border:1px solid var(--plum)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.section{padding:58px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 30px rgba(50,35,45,.05)}.card p{color:var(--muted)}
.badge{font-size:12px;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:var(--gold)}.article{width:min(800px,92%);margin:auto;padding:55px 0}.article h1{font-size:clamp(38px,6vw,62px)}.article h2{margin-top:1.5em}.note,.disclosure{padding:18px 20px;border-left:4px solid var(--gold);background:#fff;border-radius:8px;margin:24px 0}.money{padding:26px;background:var(--rose);border-radius:18px;margin:34px 0}.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:18px}.toc{background:#fff;border:1px solid var(--line);padding:20px;border-radius:14px}.toc a{display:block;margin:5px 0}
footer{border-top:1px solid var(--line);padding:42px 0;color:var(--muted);font-size:14px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.popup-backdrop{position:fixed;inset:0;background:rgba(31,22,29,.62);display:none;align-items:center;justify-content:center;padding:20px;z-index:99}.popup{position:relative;width:min(560px,100%);background:#fffaf4;border-radius:24px;padding:34px;box-shadow:var(--shadow);border:1px solid #eadfd6}.popup h2{margin:.2em 0}.close{position:absolute;right:15px;top:12px;background:none;border:0;font-size:28px;cursor:pointer;color:var(--muted)}.popup small{display:block;color:var(--muted);margin-top:12px}
@media(max-width:800px){.grid,.footergrid{grid-template-columns:1fr}.nav nav{display:none}.hero{padding-top:55px}.popup{padding:27px}.article{padding-top:36px}}