:root{--ink:#172034;--muted:#667085;--paper:#fbfaf6;--card:#fff;--night:#111a31;--gold:#c59a4a;--gold2:#e7cf9a;--line:#e9e3d7;--lav:#eee9f8;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:#70551e;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(251,250,246,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;gap:11px;align-items:center;text-decoration:none;color:var(--night);font-family:Georgia,serif;font-weight:700;font-size:20px}.mark{width:34px;height:34px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold);font-size:21px}.navlinks{display:flex;gap:18px;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-size:14px;font-weight:650}.navcta,.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:999px;background:var(--night);color:white!important;text-decoration:none;font-weight:750;border:1px solid var(--night)}.btn.gold{background:var(--gold);border-color:var(--gold);color:#17130b!important}.hero{background:linear-gradient(145deg,#111a31,#242949);color:#fff;padding:90px 0 76px;overflow:hidden;position:relative}.hero:after{content:"✦";position:absolute;right:8%;top:18%;font-size:220px;color:rgba(231,207,154,.08)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:800;color:var(--gold2)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.15}h1{font-size:clamp(42px,6vw,72px);max-width:820px;margin:10px 0 20px}.hero p{max-width:720px;color:#e6e7ee;font-size:20px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.ghost{background:transparent;border-color:#66708b}.trustbar{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border-bottom:1px solid var(--line)}.trustbar div{background:#fff;padding:18px;text-align:center;font-size:14px}.section{padding:68px 0}.section h2{font-size:38px;margin:0 0 14px}.lede{max-width:760px;color:var(--muted);font-size:18px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 12px 35px rgba(17,26,49,.045)}.card h3{margin:6px 0 10px;font-size:24px}.card p{color:var(--muted);font-size:15px}.card a{font-weight:750}.article{max-width:820px;margin:auto;padding:62px 0}.article h1{color:var(--night);font-size:50px}.article h2{font-size:31px;margin-top:44px}.article h3{font-size:23px;margin-top:30px}.article p,.article li{color:#30394a}.article .dek{font-size:20px;color:var(--muted)}.crumb{font-size:13px;color:var(--muted);margin-bottom:20px}.note{border-left:4px solid var(--gold);background:#fff;padding:18px 20px;margin:28px 0}.moneybox{background:var(--night);color:#fff;border-radius:20px;padding:28px;margin:34px 0}.moneybox p{color:#e5e8f0}.related{border-top:1px solid var(--line);margin-top:50px;padding-top:28px}.related a{display:inline-block;margin:5px 12px 5px 0}.site-footer{background:#0e1528;color:#cdd2df;padding:52px 0 28px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.site-footer a{color:#e7cf9a}.fine{font-size:12px;color:#9299aa;margin-top:32px;border-top:1px solid #2b3348;padding-top:18px}
.popup-backdrop{position:fixed;inset:0;background:rgba(8,12,24,.58);z-index:50;display:none;align-items:center;justify-content:center;padding:20px}.popup-backdrop.show{display:flex}.popup{width:min(520px,100%);background:#fff;border-radius:24px;box-shadow:0 30px 90px rgba(0,0,0,.3);overflow:hidden;position:relative}.popup-top{background:linear-gradient(135deg,#111a31,#302e52);padding:34px;color:#fff}.popup-top .spark{font-size:36px;color:var(--gold2)}.popup-body{padding:28px 34px 34px}.popup h2{font-size:32px;margin:7px 0 10px}.popup p{color:var(--muted)}.popup-close{position:absolute;right:14px;top:12px;border:0;background:rgba(255,255,255,.14);color:#fff;width:34px;height:34px;border-radius:50%;cursor:pointer;font-size:20px}.popup .btn{width:100%;margin-top:8px}.popup small{display:block;margin-top:12px;color:#7b8494;text-align:center}
@media(max-width:820px){.navlinks a:not(.navcta){display:none}.grid,.trustbar,.footergrid{grid-template-columns:1fr}.hero{padding:68px 0 58px}.article h1{font-size:40px}.section{padding:52px 0}}