:root{--ink:#111827;--ink2:#1f2937;--paper:#fbfaf7;--card:#fff;--gold:#b99144;--gold2:#d7b56d;--muted:#667085;--line:#e6e2d9;--ok:#17603a;--warn:#7a4d05;--radius:18px;--shadow:0 16px 44px rgba(17,24,39,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.68 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}img{max-width:100%;height:auto}a{color:#5f4515;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}.container{width:min(1140px,92vw);margin:auto}.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:999}
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.head{display:flex;align-items:center;gap:24px;min-height:78px}.brand img{width:245px;display:block}.nav{display:flex;gap:22px;align-items:center;margin-left:auto}.nav a{color:var(--ink);text-decoration:none;font-weight:650;font-size:15px}.nav .cta{color:#111827}.menu-btn{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:12px;padding:9px 12px;font-weight:700}
.eyebrow{font-size:13px;letter-spacing:.13em;text-transform:uppercase;font-weight:800;color:#77591c}.hero{padding:64px 0 44px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center}.hero h1,.article h1{font:700 clamp(42px,6vw,76px)/1.02 Georgia,serif;letter-spacing:-.035em;margin:.2em 0}.article h1{font-size:clamp(38px,5vw,62px)}.hero p{font-size:21px;color:#414a5a;max-width:700px}.hero-media{background:var(--ink);border-radius:26px;padding:14px;box-shadow:var(--shadow);overflow:hidden}.hero-media img{border-radius:16px;display:block;width:100%;aspect-ratio:4/3;object-fit:cover}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold2);color:#111827!important;text-decoration:none!important;font-weight:850;border-radius:999px;padding:14px 20px;border:1px solid rgba(0,0,0,.08);box-shadow:0 8px 18px rgba(185,145,68,.2)}.button:hover{transform:translateY(-1px)}.button.dark{background:var(--ink);color:#fff!important}.button.ghost{background:transparent;border:1px solid #9f854c}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.disclosure{background:#f4efe5;border:1px solid #ded1b7;border-radius:14px;padding:12px 15px;font-size:14px;color:#594921;margin:22px 0}.statbar{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.stat{background:#fff;border:1px solid var(--line);padding:17px;border-radius:15px}.stat b{display:block;font-size:23px;font-family:Georgia,serif}.section{padding:52px 0}.section h2,.article h2{font:700 36px/1.15 Georgia,serif;letter-spacing:-.02em}.section h3,.article h3{font:700 24px/1.25 Georgia,serif}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 8px 28px rgba(17,24,39,.04)}.card h3{margin-top:0}.card p{color:#4a5568}.card a.stretch{font-weight:800;text-decoration:none}.badge{display:inline-block;background:#eef0f3;border-radius:999px;padding:5px 10px;font-size:12px;font-weight:800;letter-spacing:.04em;text-transform:uppercase}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) 290px;gap:54px;padding:54px 0}.article .lede{font-size:21px;color:#485264}.article p,.article li{max-width:75ch}.article table{width:100%;border-collapse:collapse;margin:26px 0;font-size:15px}.article th,.article td{text-align:left;vertical-align:top;border:1px solid var(--line);padding:12px}.article th{background:#f0ede7}.article blockquote{margin:28px 0;border-left:4px solid var(--gold);padding:2px 0 2px 20px;color:#4a4f57}.toc{position:sticky;top:104px;background:#fff;border:1px solid var(--line);padding:20px;border-radius:16px;height:max-content}.toc h2{font:700 18px Georgia,serif;margin-top:0}.toc a{display:block;padding:6px 0;font-size:14px;text-decoration:none}.money-box{background:linear-gradient(135deg,#111827,#202c3e);color:#fff;border-radius:22px;padding:30px;margin:32px 0;box-shadow:var(--shadow)}.money-box p{color:#e2e7ee}.money-box .button{margin-top:8px}.checklist{padding-left:0;list-style:none}.checklist li{padding-left:27px;position:relative;margin:8px 0}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:900}.note{padding:18px 20px;border-left:4px solid var(--gold);background:#f7f3ea;border-radius:10px;margin:24px 0}.warning{border-left-color:#b77b18;background:#fff7e8}
.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:inherit}.source-list{font-size:14px;color:#5e6673}.source-list li{margin:6px 0}.source-list a{overflow-wrap:anywhere}
.related{border-top:1px solid var(--line);margin-top:42px;padding-top:22px}.related a{display:block;padding:7px 0;font-weight:700}
.site-footer{background:#0f1723;color:#d8dde5;margin-top:70px;padding:46px 0 30px}.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}.site-footer h3{color:#fff;font-family:Georgia,serif}.site-footer a{color:#e4c77f}.fine{font-size:13px;color:#aeb6c3;border-top:1px solid #293444;margin-top:30px;padding-top:20px}
.popup-backdrop{position:fixed;inset:0;background:rgba(5,9,16,.62);z-index:100;display:none;align-items:flex-end;justify-content:center;padding:18px}.popup{width:min(680px,100%);background:#fff;border-radius:24px;padding:26px;box-shadow:0 26px 80px rgba(0,0,0,.35);position:relative}.popup h2{font:700 32px/1.1 Georgia,serif;margin:0 35px 10px 0}.popup p{color:#4b5563}.popup-close{position:absolute;right:15px;top:15px;width:38px;height:38px;border:1px solid var(--line);background:#fff;border-radius:50%;font-size:22px;cursor:pointer}.popup-actions{display:flex;gap:12px;flex-wrap:wrap}.popup-backdrop.show{display:flex}
@media(max-width:900px){.nav{display:none;position:absolute;left:4vw;right:4vw;top:72px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav.open{display:flex}.menu-btn{display:block}.hero-grid,.article-wrap,.grid-3,.grid-2,.foot-grid{grid-template-columns:1fr}.toc{position:static;order:-1}.hero{padding-top:40px}.hero h1{font-size:48px}.statbar{grid-template-columns:1fr}.brand img{width:205px}.head{min-height:70px}}
@media(max-width:560px){body{font-size:16px}.hero h1,.article h1{font-size:39px}.section h2,.article h2{font-size:30px}.hero p,.article .lede{font-size:18px}.popup{padding:22px}.popup h2{font-size:28px}.button{width:100%}.actions{display:grid}.site-header{position:relative}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}