:root{--ink:#29231d;--muted:#71665c;--cream:#fbf7ef;--paper:#fffdf9;--sage:#6f765b;--sage2:#e7eadc;--clay:#a65f45;--gold:#b68b4b;--line:#e6ded1;--shadow:0 18px 55px rgba(62,49,35,.12)}
*{box-sizing:border-box}body{margin:0;background:var(--cream);color:var(--ink);font:17px/1.72 Georgia,serif}a{color:#76513d;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
.wrap{width:min(1120px,92%);margin:auto}.top{background:#272b22;color:#fff;font:13px/1.4 Arial,sans-serif;text-align:center;padding:8px}.sitehead{background:rgba(251,247,239,.96);position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.nav{height:74px;display:flex;align-items:center;gap:28px}.brand{font:700 22px/1 Arial,sans-serif;letter-spacing:.04em;color:var(--ink);text-decoration:none}.brand span{color:var(--clay)}.navlinks{display:flex;gap:20px;margin-left:auto;font:14px Arial,sans-serif}.navlinks a{text-decoration:none;color:var(--ink)}.btn{display:inline-block;background:var(--clay);color:white!important;text-decoration:none;border-radius:999px;padding:13px 20px;font:700 14px Arial,sans-serif;box-shadow:0 8px 20px rgba(166,95,69,.2)}.btn.alt{background:var(--sage)}.hero{padding:82px 0 62px;background:radial-gradient(circle at 85% 15%,#e6dfc8 0,transparent 32%),linear-gradient(135deg,#fbf7ef,#f4ecdf)}.eyebrow{font:700 12px Arial,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--clay)}h1{font:700 clamp(42px,7vw,76px)/.98 Georgia,serif;max-width:860px;margin:14px 0 22px}h2{font:700 36px/1.1 Georgia,serif;margin:12px 0 18px}h3{font:700 23px/1.2 Georgia,serif}.lead{font-size:21px;color:#5f554b;max-width:760px}.heroactions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.chip{background:#fff8;border:1px solid var(--line);border-radius:999px;padding:7px 11px;font:12px Arial,sans-serif}
section{padding:64px 0}.sectionhead{max-width:760px;margin-bottom:28px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 5px 25px rgba(62,49,35,.05)}.card p{color:var(--muted)}.kicker{font:700 11px Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--sage)}.path{background:#2c3027;color:#f8f3e8}.path .card{background:#363b30;border-color:#484e40}.path .card p,.path a{color:#d9d6cc}.path h2{color:#fff}.article{width:min(800px,92%);margin:auto;padding:56px 0}.article h1{font-size:52px}.article h2{font-size:31px;margin-top:42px}.note{border-left:4px solid var(--gold);padding:14px 18px;background:#f6efe2;border-radius:0 12px 12px 0}.money{background:#f1e7d9;border:1px solid #dfcdb7;border-radius:18px;padding:24px;margin:30px 0}.disclosure{font:13px/1.5 Arial,sans-serif;color:#766a60}.footer{background:#22251f;color:#d8d6cd;padding:45px 0;font:14px Arial,sans-serif}.footer a{color:#eee}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}
.popupback{position:fixed;inset:0;background:#1e1c18aa;display:none;align-items:center;justify-content:center;z-index:50;padding:20px}.popup{position:relative;background:#fffaf2;border-radius:24px;width:min(620px,100%);padding:34px;box-shadow:var(--shadow);border:1px solid #e5d7c4}.popup h2{font-size:34px}.close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:26px;cursor:pointer}.poprow{display:grid;grid-template-columns:1fr 1fr;gap:12px}.small{font:12px Arial,sans-serif;color:#776c62}
@media(max-width:760px){.navlinks{display:none}.grid,.footgrid,.poprow{grid-template-columns:1fr}.hero{padding-top:55px}.article h1{font-size:42px}.nav .btn{margin-left:auto}}