:root{--ink:#0a0a0a;--paper:#f5f0e7;--gold:#c9a24a;--muted:#777;--line:#d8d0c2;--card:#fffdf8}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65}
a{color:inherit}.wrap{max-width:1180px;margin:auto;padding:0 22px}.top{background:#000;color:#fff;text-align:center;padding:8px;font-size:12px;letter-spacing:.12em}
header{position:sticky;top:0;z-index:30;background:rgba(245,240,231,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.nav{height:72px;display:flex;align-items:center;justify-content:space-between}.logo{font-weight:900;letter-spacing:.16em;font-size:22px;text-decoration:none}.logo span{color:var(--gold)}
nav a{text-decoration:none;margin-left:24px;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.08em}.menu{display:none;border:0;background:none;font-size:26px}
.hero{padding:90px 0 70px;border-bottom:1px solid var(--line);background:radial-gradient(circle at 85% 20%,#ead7a7 0,transparent 28%)}
.eyebrow{font-size:12px;letter-spacing:.2em;text-transform:uppercase;font-weight:800;color:#755b1f}.hero h1,h1{font-size:clamp(44px,7vw,92px);line-height:.92;letter-spacing:-.05em;margin:.18em 0}.hero p{max-width:650px;font-size:19px}
.btn{display:inline-block;background:#000;color:#fff;text-decoration:none;padding:14px 20px;margin:8px 8px 8px 0;font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:12px;border:1px solid #000}.btn.alt{background:transparent;color:#000}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);padding:25px}.card h3{font-size:24px;line-height:1.1;margin:.25em 0}.card a{font-weight:800}
section{padding:60px 0}.section-title{font-size:38px;letter-spacing:-.03em;margin:0 0 25px}.article{max-width:850px;margin:auto;padding:55px 22px}.article h1{font-size:clamp(42px,7vw,72px)}.article h2{font-size:31px;margin-top:48px;line-height:1.15}.article h3{font-size:22px}.article p,.article li{font-size:17px}.note{border-left:4px solid var(--gold);padding:15px 20px;background:#fff9e9;margin:25px 0}.money{background:#0a0a0a;color:white;padding:28px;margin:36px 0}.money .btn{background:var(--gold);border-color:var(--gold);color:#000}
.breadcrumb{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:#666;margin-bottom:24px}.disclosure{font-size:13px;color:#666;border-bottom:1px solid var(--line);padding-bottom:18px}.related{border-top:1px solid var(--line);margin-top:50px;padding-top:25px}
footer{background:#0a0a0a;color:#ddd;padding:45px 0;margin-top:60px}footer a{color:white}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.popup{position:fixed;z-index:50;right:18px;bottom:18px;width:min(390px,calc(100% - 36px));background:#0a0a0a;color:#fff;padding:24px;border:1px solid #444;box-shadow:0 12px 45px #0007;display:none}.popup.show{display:block}.close{float:right;background:none;border:0;color:white;font-size:22px;cursor:pointer}.popup small{color:#bbb}
table{width:100%;border-collapse:collapse;margin:25px 0;background:#fff}th,td{text-align:left;padding:13px;border:1px solid var(--line);vertical-align:top}
@media(max-width:760px){nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--paper);padding:15px 22px;border-bottom:1px solid var(--line)}nav.open{display:block}nav a{display:block;margin:15px 0}.menu{display:block}.grid{grid-template-columns:1fr}.foot{grid-template-columns:1fr}.hero{padding:65px 0}.article{padding-top:35px}}