:root{--ink:#19211d;--cream:#f5f1e8;--paper:#fffdf8;--sage:#607466;--rust:#a85f3d;--line:#ded8ca;--muted:#687069;--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:1.65}a{color:inherit}img{max-width:100%}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}.top{background:var(--ink);color:white;text-align:center;padding:8px;font-size:.84rem}.header{position:sticky;top:0;z-index:20;background:rgba(255,253,248,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{text-decoration:none;font-weight:900;letter-spacing:-.04em;font-size:1.35rem}.logo span{color:var(--rust)}nav{display:flex;gap:22px;align-items:center}nav a{text-decoration:none;font-weight:650;font-size:.94rem}.menu{display:none;border:0;background:none;font-size:1.5rem}.hero{padding:76px 0 58px;background:linear-gradient(135deg,var(--cream),#e9eee8)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:800;color:var(--rust)}h1,h2,h3{line-height:1.08;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,6vw,5.4rem);max-width:900px;margin:.18em 0}h2{font-size:clamp(1.8rem,3vw,2.8rem);margin-top:1.5em}h3{font-size:1.25rem}.lead{font-size:1.18rem;color:#455049;max-width:760px}.btn{display:inline-block;background:var(--rust);color:white;padding:14px 20px;border-radius:8px;text-decoration:none;font-weight:800;border:2px solid var(--rust)}.btn.alt{background:transparent;color:var(--ink);border-color:var(--ink)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.section{padding:56px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:16px;padding:24px;background:white}.card a{text-decoration:none}.card p{color:var(--muted)}.article{max-width:790px;margin:auto;padding:48px 0}.article h1{font-size:clamp(2.35rem,5vw,4rem)}.article p,.article li{font-size:1.05rem}.note{background:var(--cream);border-left:4px solid var(--sage);padding:18px 20px;border-radius:6px;margin:24px 0}.money{background:var(--ink);color:white;padding:28px;border-radius:16px;margin:30px 0}.money p{color:#e5e8e5}.table{width:100%;border-collapse:collapse;margin:25px 0}.table th,.table td{padding:13px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.crumb{font-size:.86rem;color:var(--muted);margin-bottom:25px}.footer{background:var(--ink);color:#dce2de;padding:48px 0;margin-top:40px}.footer a{color:white}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.disclosure{font-size:.86rem;color:var(--muted)}.popup{display:none;position:fixed;inset:0;background:#0008;z-index:99;padding:20px;align-items:flex-end;justify-content:center}.popup.show{display:flex}.popbox{background:var(--paper);width:min(520px,100%);padding:28px;border-radius:18px;box-shadow:0 20px 60px #0006;position:relative}.close{position:absolute;right:14px;top:10px;border:0;background:none;font-size:1.5rem}.badge{display:inline-block;padding:5px 9px;background:#e7ece7;border-radius:99px;font-size:.78rem;font-weight:800}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:white;padding:10px;z-index:100}
@media(max-width:800px){nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--paper);padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}nav.open{display:flex}.menu{display:block}.grid{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.hero{padding-top:52px}.article{padding-top:34px}.table{font-size:.9rem}.popup{align-items:flex-end}}