:root{--ink:#17131f;--muted:#6f6878;--paper:#fffaf1;--card:#fff;--night:#17101f;--wine:#7d263d;--gold:#c99b49;--line:#e8dfd2;--soft:#f4eadc;--max:1160px}
*{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:1.68}
a{color:var(--wine);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 24px}
.topbar{background:var(--night);color:#efe4d1;font-size:.88rem;text-align:center;padding:8px 16px}.sitehead{position:sticky;top:0;z-index:20;background:rgba(255,250,241,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{height:72px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-family:Georgia,serif;font-size:1.45rem;font-weight:700}.mark{width:35px;height:35px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--wine)}
.navlinks{margin-left:auto;display:flex;gap:22px;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-size:.94rem}.navcta,.btn{display:inline-block;background:var(--wine);color:#fff!important;border-radius:999px;padding:11px 18px;text-decoration:none;font-weight:700;border:0;cursor:pointer}.btn.alt{background:transparent;color:var(--wine)!important;border:1px solid var(--wine)}
.hero{background:radial-gradient(circle at 80% 20%,#43263e 0,#1b1224 42%,#120d18 100%);color:white;padding:86px 0 72px;overflow:hidden}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:800;color:var(--gold)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.14}h1{font-size:clamp(2.6rem,6vw,5.2rem);max-width:880px;margin:.2em 0}h2{font-size:clamp(1.8rem,3vw,2.7rem);margin-top:1.5em}h3{font-size:1.35rem}.hero p{max-width:720px;color:#ded2df;font-size:1.12rem}.heroactions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.section{padding:70px 0}.section.white{background:#fff}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:0 8px 30px rgba(32,19,31,.04)}.card p{color:var(--muted)}.card a{font-weight:700}
.kicker{color:var(--wine);font-weight:800;font-size:.82rem;text-transform:uppercase;letter-spacing:.09em}.path{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.pill{background:var(--soft);padding:9px 13px;border-radius:999px;font-size:.9rem}
.article{max-width:790px;margin:auto;padding:55px 24px}.article h1{font-size:clamp(2.4rem,5vw,4.2rem)}.lede{font-size:1.18rem;color:#504958}.notice{border-left:4px solid var(--gold);background:#fff6e6;padding:16px 18px;margin:24px 0;border-radius:0 12px 12px 0}.moneybox{background:var(--night);color:white;border-radius:18px;padding:25px;margin:30px 0}.moneybox p{color:#e5dce6}.moneybox .btn{background:var(--gold);color:#211421!important}.toc{background:#fff;border:1px solid var(--line);border-radius:15px;padding:20px;margin:25px 0}.toc a{display:block;margin:6px 0}
.breadcrumbs{font-size:.86rem;color:var(--muted);padding-top:22px}.breadcrumbs a{color:var(--muted)}.meta{font-size:.9rem;color:var(--muted);margin:12px 0 28px}.related{border-top:1px solid var(--line);margin-top:42px;padding-top:24px}.related a{display:block;margin:8px 0}
footer{background:var(--night);color:#d9cfdc;padding:55px 0}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}footer a{color:#f2e6d1}.fine{font-size:.82rem;color:#a99dac;margin-top:32px}
.modalback{display:none;position:fixed;inset:0;background:rgba(9,6,12,.68);z-index:100;align-items:center;justify-content:center;padding:18px}.modalback.show{display:flex}.modal{max-width:620px;background:#fffaf1;border-radius:24px;overflow:hidden;box-shadow:0 30px 90px #0008;position:relative}.modaltop{background:var(--night);color:#fff;padding:34px}.modalbody{padding:28px 34px 34px}.close{position:absolute;right:15px;top:12px;background:transparent;border:0;color:white;font-size:28px;cursor:pointer}.modal h2{margin:.2em 0}.modal p{color:var(--muted)}.modalactions{display:flex;gap:10px;flex-wrap:wrap}
.disclosure{font-size:.82rem;background:#f4eadc;border-radius:10px;padding:11px 14px}.tag{display:inline-block;background:#efe3d0;border-radius:6px;padding:3px 8px;font-size:.75rem;margin-right:5px}
@media(max-width:800px){.grid,.footgrid{grid-template-columns:1fr}.navlinks a:not(.navcta){display:none}.hero{padding:62px 0}.section{padding:48px 0}.nav{height:62px}.modaltop,.modalbody{padding:25px}}