:root{--ink:#112b2b;--paper:#f7f2e8;--card:#fffdf8;--muted:#60706c;--gold:#e8b84a;--line:#d8ddd6;--max:1180px;--shadow:0 18px 60px rgba(17,43,43,.11)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.72 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:inherit}img{max-width:100%;height:auto;display:block}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
header{position:sticky;top:0;z-index:50;background:rgba(247,242,232,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:215px}.navlinks{display:flex;gap:21px;font-size:14px;font-weight:800}.navlinks a{text-decoration:none}
.hero{padding:74px 0 48px}.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:54px;align-items:center}.eyebrow{font-size:13px;font-weight:850;text-transform:uppercase;letter-spacing:.13em;color:#86650f}
h1{font-size:clamp(42px,6vw,72px);line-height:.99;letter-spacing:-.055em;margin:.22em 0}.lead{font-size:20px;color:#445853;max-width:740px}.hero-art{border-radius:32px;overflow:hidden;box-shadow:var(--shadow)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:15px 21px;border-radius:14px;background:var(--ink);color:white;text-decoration:none;font-weight:850;border:2px solid var(--ink);transition:.18s}.btn.gold{background:var(--gold);color:var(--ink);border-color:var(--gold)}.btn:hover{transform:translateY(-2px)}
.hero-actions,.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.trustline{display:flex;gap:16px;flex-wrap:wrap;margin-top:24px;color:var(--muted);font-size:14px}
section{padding:46px 0}.section-title{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:23px}.section-title h2{font-size:38px;line-height:1.05;letter-spacing:-.04em;margin:0}.section-title p{max-width:520px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:23px;padding:24px;text-decoration:none;display:block}.card:hover{border-color:#9dad9f;transform:translateY(-1px)}.card small{font-weight:850;color:#82630e}.card h3{font-size:23px;line-height:1.15;margin:.4em 0}.card p{color:var(--muted);margin-bottom:0}
.money-strip{background:var(--ink);color:white;border-radius:28px;padding:31px;display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center}.money-strip p{color:#d9e5e0;margin:.4em 0 0}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:52px;align-items:start}.article h2{font-size:31px;line-height:1.12;letter-spacing:-.025em;margin-top:1.9em}.article h3{font-size:22px;margin-top:1.6em}.article p{margin:1em 0}.article ul{padding-left:1.2em}.article li{margin:.45em 0}
.answer{background:#e8efe9;border-left:5px solid var(--gold);padding:20px 22px;border-radius:0 18px 18px 0;font-size:18px}.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:25px 0}.fact{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px}.fact b{display:block;font-size:14px}.fact span{color:var(--muted);font-size:14px}
.table{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;background:var(--card);border:1px solid var(--line);border-radius:18px;overflow:hidden}.table th,.table td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}.table tr:last-child td{border-bottom:0}.table th{font-size:14px;background:#eef2ed}
.note{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff9ec}.sidebar{position:sticky;top:102px}.sidebox{background:var(--ink);color:white;border-radius:22px;padding:22px}.sidebox p{color:#d7e2de}.sidebox .btn{width:100%;background:var(--gold);color:var(--ink);border-color:var(--gold)}.toc{margin-top:18px;border:1px solid var(--line);border-radius:18px;padding:18px}.toc a{display:block;margin:7px 0;color:#405450}
.breadcrumbs{font-size:14px;color:var(--muted);padding-top:26px}.breadcrumbs a{color:inherit}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
footer{margin-top:58px;background:#0d2323;color:#dbe5e1;padding:52px 0 28px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:35px}.footer-grid a{display:block;color:#dbe5e1;margin:7px 0}.fine{border-top:1px solid #355050;margin-top:35px;padding-top:20px;color:#9fb0aa;font-size:13px}
@media(max-width:850px){.navlinks{display:none}.hero-grid,.article-shell,.footer-grid{grid-template-columns:1fr}.hero{padding-top:40px}.grid,.related{grid-template-columns:1fr 1fr}.sidebar{position:static}.money-strip{grid-template-columns:1fr}.facts{grid-template-columns:1fr}.brand img{width:178px}}
@media(max-width:560px){.grid,.related{grid-template-columns:1fr}.wrap{width:min(100% - 24px,var(--max))}.hero h1{font-size:43px}.section-title{display:block}.article h2{font-size:28px}}