:root{--ink:#17221d;--muted:#617068;--cream:#fbfaf5;--sage:#dfe9df;--green:#285943;--gold:#c99a45;--white:#fff;--line:#e4e5df}
*{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(--cream);line-height:1.7}
a{color:var(--green)}.wrap{max-width:1120px;margin:auto;padding:0 24px}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{text-decoration:none;font-weight:850;font-size:1.25rem;color:var(--ink)}.brand span{color:var(--gold)}
nav a{margin-left:20px;text-decoration:none;font-weight:650;color:var(--ink)}.hero{padding:84px 0 58px;background:linear-gradient(135deg,#f5f3e9,#e6efe6)}
.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:48px;align-items:center}.eyebrow{font-size:.8rem;letter-spacing:.13em;text-transform:uppercase;font-weight:800;color:var(--green)}
h1{font-size:clamp(2.5rem,5vw,4.7rem);line-height:1.02;margin:.25em 0}.lede{font-size:1.18rem;color:#445149;max-width:760px}.card,.callout{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:0 10px 30px rgba(30,50,40,.05)}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;padding:13px 19px;border-radius:10px;font-weight:800;margin:6px 8px 6px 0}.btn.secondary{background:#fff;color:var(--green);border:1px solid var(--green)}
main article{max-width:800px;margin:50px auto}.article-head{padding:55px 0 28px;border-bottom:1px solid var(--line)}.article-head h1{font-size:clamp(2.25rem,4.5vw,4rem)}
h2{font-size:1.8rem;line-height:1.2;margin-top:2em}h3{margin-top:1.7em}.note{border-left:4px solid var(--gold);background:#fff8e8;padding:16px 18px;margin:24px 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.section{padding:56px 0}.section h2{margin-top:0}.kicker{color:var(--muted)}.small{font-size:.9rem;color:var(--muted)}
.breadcrumbs{font-size:.9rem;padding-top:22px}.breadcrumbs a{text-decoration:none}.money-box{background:#edf4ed;border:1px solid #cddccc;border-radius:18px;padding:24px;margin:30px 0}
footer{background:#17221d;color:#dce3de;padding:44px 0;margin-top:70px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr;gap:30px}
ul{padding-left:22px}.disclosure{font-size:.88rem;background:#f2f0e8;padding:12px 16px;border-radius:8px}
@media(max-width:800px){.hero-grid,.grid,.footer-grid{grid-template-columns:1fr}nav{display:none}.hero{padding-top:56px}.wrap{padding:0 18px}}