:root{--ink:#241820;--muted:#6f5d67;--paper:#fffaf6;--cream:#f7eee8;--wine:#6e183f;--rose:#a83b67;--line:#e8d8dc;--gold:#a87a3d;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 Georgia,"Times New Roman",serif}
a{color:var(--wine)}.wrap{width:min(1120px,92vw);margin:auto}.sitebar{background:#2b1420;color:#f8eaf0;font:13px/1.4 Arial,sans-serif;text-align:center;padding:8px}
header{background:rgba(255,250,246,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{text-decoration:none;color:var(--ink);font-weight:700;font-size:22px}.brand span{color:var(--rose)}nav{display:flex;gap:20px;font:14px Arial,sans-serif}nav a{text-decoration:none;color:var(--ink)}
.hero{padding:82px 0 58px;background:radial-gradient(circle at 80% 20%,#f2dce5,transparent 35%),linear-gradient(135deg,#fffaf6,#f6ebe8)}.eyebrow{font:700 12px Arial,sans-serif;text-transform:uppercase;letter-spacing:.14em;color:var(--rose)}h1,h2,h3{line-height:1.12}h1{font-size:clamp(42px,7vw,76px);max-width:900px;margin:.18em 0}h2{font-size:clamp(30px,4vw,46px);margin:.3em 0}h3{font-size:23px}.lede{font-size:21px;max-width:760px;color:var(--muted)}
.btn{display:inline-block;background:var(--wine);color:white;text-decoration:none;padding:13px 20px;border-radius:999px;font:700 14px Arial,sans-serif;border:0;cursor:pointer}.btn.secondary{background:transparent;color:var(--wine);border:1px solid var(--wine)}
.section{padding:64px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 30px rgba(70,30,50,.04)}.card p{color:var(--muted)}.card a{text-decoration:none;font-weight:bold}.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:54px;padding:58px 0}.article main h1{font-size:52px}.article main h2{margin-top:1.3em}.note{background:var(--cream);border-left:4px solid var(--gold);padding:18px 20px;border-radius:8px}.moneybox{background:#2b1420;color:#fff;border-radius:18px;padding:24px;margin:30px 0}.moneybox p{color:#f2dfe6}.moneybox a{color:white}.sidebar{font:14px/1.5 Arial,sans-serif}.sidebar .card{position:sticky;top:100px}.kicker{font:700 12px Arial,sans-serif;text-transform:uppercase;color:var(--rose);letter-spacing:.1em}.links a{display:block;padding:9px 0;border-bottom:1px solid var(--line);text-decoration:none}
footer{background:#21131a;color:#eadde3;padding:48px 0;font:14px Arial,sans-serif}footer a{color:#f3d6e2}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.modalback{display:none;position:fixed;inset:0;background:rgba(25,10,18,.68);z-index:100;align-items:center;justify-content:center;padding:18px}.modal{background:#fffaf6;width:min(620px,96vw);border-radius:22px;padding:32px;position:relative;box-shadow:0 30px 90px #0008}.modal h2{font-size:38px}.close{position:absolute;right:16px;top:12px;border:0;background:transparent;font-size:28px;cursor:pointer}.tiny{font:12px/1.45 Arial,sans-serif;color:var(--muted)}.disclosure{font:13px Arial,sans-serif;background:#f6e9ee;padding:12px 0;border-bottom:1px solid var(--line)}
@media(max-width:820px){nav{display:none}.grid{grid-template-columns:1fr}.article{grid-template-columns:1fr}.article main h1{font-size:42px}.sidebar .card{position:static}.foot{grid-template-columns:1fr}.hero{padding-top:58px}}