:root{--ink:#14233b;--muted:#5f6f83;--cream:#fbf8f1;--sky:#dfeef2;--sage:#dfe9df;--blue:#244c66;--accent:#c77745;--white:#fff;--line:#dbe2e5;--shadow:0 18px 50px rgba(20,35,59,.12)}
*{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(--cream);line-height:1.68}
a{color:#1d5875;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(251,248,241,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}nav{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:24px}.brand{font-family:Georgia,serif;font-weight:700;font-size:1.32rem;color:var(--ink);text-decoration:none}.navlinks{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:var(--ink);font-size:.94rem}
.hero{padding:88px 0 68px;background:linear-gradient(135deg,var(--cream),var(--sky))}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:800;color:var(--accent)}h1,h2,h3{font-family:Georgia,serif;line-height:1.12}h1{font-size:clamp(2.55rem,6vw,5.3rem);max-width:880px;margin:.18em 0}h2{font-size:clamp(1.9rem,3vw,3rem);margin-top:1.6em}h3{font-size:1.35rem}.lead{font-size:1.18rem;max-width:760px;color:#3e5268}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:13px 19px;border-radius:999px;background:var(--blue);color:white;text-decoration:none;font-weight:750;border:1px solid var(--blue)}.btn.alt{background:transparent;color:var(--ink)}
section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 7px 24px rgba(20,35,59,.05)}.card p{color:var(--muted)}.tag{font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.09em;color:var(--accent)}
.article{width:min(820px,92%);margin:auto;padding:58px 0 80px}.article h1{font-size:clamp(2.35rem,5vw,4.4rem)}.article p,.article li{font-size:1.05rem}.note,.disclosure,.evidence{border-left:4px solid var(--accent);background:#fff;padding:16px 19px;margin:24px 0;border-radius:8px}.evidence{border-color:#6d8d79;background:#f4f8f3}.toc{background:#eef4f5;padding:20px;border-radius:16px}.money{background:var(--ink);color:white;border-radius:22px;padding:28px;margin:34px 0}.money p{color:#e7edf2}.money .btn{background:#f0c08d;border-color:#f0c08d;color:#162238}
footer{background:#132237;color:#e6edf4;padding:42px 0}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.foot a{color:#d9e7ef}.small{font-size:.88rem;color:#6c7b8b}
.popup-backdrop{position:fixed;inset:0;background:rgba(9,20,33,.65);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.popup{width:min(560px,96vw);background:white;border-radius:24px;padding:30px;box-shadow:var(--shadow);position:relative}.popup h2{margin:.15em 0 .35em}.popup-close{position:absolute;right:16px;top:12px;border:0;background:transparent;font-size:1.6rem;cursor:pointer}.popup .btn{width:100%;text-align:center}.popup-dismiss{display:block;text-align:center;margin-top:12px;font-size:.88rem;color:#6a7785;cursor:pointer}
@media(max-width:780px){.grid{grid-template-columns:1fr}.navlinks a:not(.keep){display:none}.hero{padding-top:58px}.foot{grid-template-columns:1fr}}