:root{--ink:#17131f;--muted:#6f6878;--paper:#fffaf2;--card:#fff;--plum:#3b1d46;--violet:#6d3a77;--gold:#c78c3a;--line:#eadfce;--shadow:0 18px 50px rgba(40,20,50,.12)}
*{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;background:var(--paper);color:var(--ink);line-height:1.7}
a{color:var(--violet);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:30;background:rgba(255,250,242,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;text-decoration:none;color:var(--plum);letter-spacing:.02em}.brand span{color:var(--gold)}
.navlinks{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:var(--ink);font-size:.93rem}.btn,.cta{display:inline-block;background:var(--plum);color:#fff!important;padding:12px 18px;border-radius:999px;text-decoration:none;font-weight:750;border:0;cursor:pointer}.btn.gold,.cta.gold{background:var(--gold);color:#1e1421!important}
.hero{padding:76px 0 54px;background:radial-gradient(circle at 80% 15%,rgba(199,140,58,.18),transparent 25%),linear-gradient(145deg,#2b1734,#4a2555);color:#fff}.hero .eyebrow,.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:800;color:#e5b86f}.hero h1{font-family:Georgia,serif;font-size:clamp(2.6rem,7vw,5.4rem);line-height:1.02;max-width:850px;margin:.2em 0}.hero p{max-width:720px;font-size:1.15rem;color:#efe6f2}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.section{padding:58px 0}.section h2,.article h2{font-family:Georgia,serif;color:var(--plum);line-height:1.15}.section h2{font-size:2.15rem}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 8px 24px rgba(40,20,50,.05)}.card h3{margin-top:0;font-family:Georgia,serif}.card a{font-weight:750}
.path{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.step{background:#fff;border:1px solid var(--line);padding:10px 14px;border-radius:999px;font-weight:700}.arrow{color:var(--gold);font-weight:900}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:42px;padding:50px 0}.article h1{font-family:Georgia,serif;font-size:clamp(2.3rem,5vw,4.2rem);line-height:1.05;color:var(--plum);margin:.2em 0}.lede{font-size:1.15rem;color:#51495a}.note{background:#fff4dc;border-left:4px solid var(--gold);padding:16px 18px;border-radius:10px}.article h2{font-size:1.8rem;margin-top:2em}.article h3{color:var(--plum)}.article ul{padding-left:1.2em}.article li{margin:.55em 0}
.sidebar{position:sticky;top:100px;align-self:start}.moneybox{background:linear-gradient(145deg,#32193b,#54295f);color:#fff;border-radius:20px;padding:22px;box-shadow:var(--shadow)}.moneybox h3{font-family:Georgia,serif;font-size:1.45rem;margin-top:0}.moneybox p{color:#efe6f2;font-size:.94rem}.moneybox small{display:block;color:#d7c9da;margin-top:12px}
.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--muted)}.related{border-top:1px solid var(--line);margin-top:44px;padding-top:30px}.related-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related-links a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:14px;text-decoration:none;font-weight:700}
footer{background:#211326;color:#e9deeb;padding:42px 0;margin-top:40px}footer a{color:#e9deeb}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.popup-backdrop{position:fixed;inset:0;background:rgba(20,10,24,.64);z-index:100;display:none;align-items:center;justify-content:center;padding:20px}.popup{width:min(580px,100%);background:#fffaf2;border-radius:24px;padding:32px;box-shadow:0 30px 90px rgba(0,0,0,.35);position:relative;border:1px solid #eadfce}.popup h2{font-family:Georgia,serif;color:var(--plum);font-size:2rem;line-height:1.1;margin:.25em 0}.popup p{color:#51495a}.popup-close{position:absolute;right:14px;top:12px;background:transparent;border:0;font-size:1.6rem;cursor:pointer;color:#6f6878}.popup-actions{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-top:20px}.popup-dismiss{background:none;border:0;text-decoration:underline;color:#6f6878;cursor:pointer}
.disclosure{font-size:.82rem;color:var(--muted);margin-top:10px}.table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{border:1px solid var(--line);padding:12px;text-align:left}.table th{background:#f8eddd}
@media(max-width:850px){.navlinks a:not(.nav-cta){display:none}.grid{grid-template-columns:1fr}.article-shell{grid-template-columns:1fr}.sidebar{position:static}.related-links{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr}.hero{padding-top:54px}.popup{padding:26px 22px}}