:root{--ink:#262238;--muted:#696378;--paper:#fffdfb;--rose:#9f4d68;--rose2:#f6e8ed;--sage:#e9f0eb;--line:#e8e1e4;--cream:#faf5ef;--max:1120px}
*{box-sizing:border-box}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(--rose);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
header{position:sticky;top:0;background:rgba(255,253,251,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:20}.top{height:70px;display:flex;align-items:center;gap:28px}.brand{font-family:Georgia,serif;font-size:25px;font-weight:700;color:var(--ink);margin-right:auto}.brand span{color:var(--rose)}nav{display:flex;gap:18px;font-size:14px}nav a{color:var(--ink)}
.hero{padding:72px 0 54px;background:linear-gradient(135deg,var(--cream),var(--rose2))}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:800;color:var(--rose)}h1,h2,h3{font-family:Georgia,serif;line-height:1.12}h1{font-size:clamp(38px,6vw,68px);max-width:850px;margin:.25em 0}h2{font-size:34px;margin-top:1.7em}h3{font-size:22px}.lede{font-size:20px;max-width:760px;color:var(--muted)}
.btn{display:inline-block;background:var(--ink);color:white;padding:13px 18px;border-radius:9px;font-weight:750;margin:8px 8px 8px 0}.btn:hover{text-decoration:none;opacity:.92}.btn.alt{background:var(--rose)}
main{padding:46px 0}.article{max-width:780px}.article p,.article li{font-size:18px}.note{background:var(--cream);border-left:4px solid var(--rose);padding:16px 18px;margin:24px 0;border-radius:0 10px 10px 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:14px;padding:22px;background:white}.card h3{margin-top:0}.card p{color:var(--muted)}.tag{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--rose);font-weight:800}
.money{background:var(--sage);border-radius:16px;padding:24px;margin:30px 0}.money .btn{background:var(--rose)}.disclosure{font-size:13px;color:var(--muted)}
footer{margin-top:70px;border-top:1px solid var(--line);background:var(--cream);padding:40px 0;font-size:14px}.foot{display:flex;gap:22px;flex-wrap:wrap}.foot a{color:var(--ink)}
.modal-backdrop{position:fixed;inset:0;background:rgba(28,23,36,.58);display:none;align-items:center;justify-content:center;padding:20px;z-index:100}.modal-backdrop.show{display:flex}.modal{max-width:520px;background:var(--paper);border-radius:18px;box-shadow:0 24px 80px rgba(0,0,0,.25);padding:32px;position:relative}.modal h2{margin:0 0 12px;font-size:34px}.close{position:absolute;right:14px;top:10px;border:0;background:transparent;font-size:28px;cursor:pointer}.modal small{display:block;color:var(--muted);margin-top:12px}
@media(max-width:800px){nav{display:none}.grid{grid-template-columns:1fr}.hero{padding-top:48px}.article p,.article li{font-size:17px}.top{height:62px}}