:root{--ink:#10231c;--muted:#5b6b64;--paper:#f6f3ea;--card:#fffdf7;--green:#173f32;--lime:#d8f36a;--line:#d9ded7;--red:#8a2f2a;--shadow:0 18px 50px rgba(16,35,28,.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;color:var(--ink);background:var(--paper);line-height:1.68}a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:3px}header{position:sticky;top:0;z-index:20;background:rgba(246,243,234,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.bar{max-width:1160px;margin:auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-weight:900;letter-spacing:-.04em;font-size:22px;text-decoration:none}.logo span{background:var(--lime);padding:2px 7px;border-radius:7px}nav{display:flex;gap:18px;align-items:center;font-size:14px;font-weight:700}nav a{text-decoration:none}.nav-cta,.button{display:inline-block;background:var(--green);color:white!important;border-radius:999px;padding:11px 18px;text-decoration:none;font-weight:800;border:0;cursor:pointer}.button.alt{background:var(--lime);color:var(--ink)!important}.wrap{max-width:1160px;margin:auto;padding:0 22px}.hero{padding:80px 0 52px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:900;color:#47645a}.hero h1,.article h1{font-size:clamp(42px,7vw,76px);line-height:.98;letter-spacing:-.055em;margin:12px 0 24px;max-width:980px}.hero p{font-size:20px;max-width:760px;color:var(--muted)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.risk{font-size:13px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 2px 0 rgba(16,35,28,.03)}.card h3{margin:8px 0;font-size:22px;line-height:1.15}.card p{color:var(--muted);margin:8px 0 14px}.tag{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.12em}.section{padding:52px 0}.section h2{font-size:38px;letter-spacing:-.04em;line-height:1.05;margin:0 0 12px}.lede{max-width:760px;color:var(--muted);font-size:18px}.path{display:flex;gap:8px;flex-wrap:wrap;margin-top:25px}.path span,.path a{padding:9px 13px;border:1px solid var(--line);background:var(--card);border-radius:999px;text-decoration:none;font-weight:700;font-size:13px}.article{max-width:820px;margin:auto;padding:62px 22px 90px}.article h1{font-size:clamp(38px,6vw,62px)}.article h2{font-size:30px;letter-spacing:-.03em;margin-top:44px;line-height:1.1}.article h3{font-size:21px;margin-top:30px}.article p,.article li{font-size:17px}.note,.moneybox,.warning{border-radius:18px;padding:20px 22px;margin:28px 0}.note{background:#eef2ed;border:1px solid #d5ddd7}.moneybox{background:var(--green);color:white}.moneybox p{color:#e4eee8}.moneybox a{color:var(--ink)}.warning{background:#fff2e6;border:1px solid #efd6bd}.toc{background:var(--card);border:1px solid var(--line);padding:20px;border-radius:18px;margin:30px 0}.toc a{display:block;margin:7px 0}table{width:100%;border-collapse:collapse;margin:25px 0;background:var(--card)}th,td{text-align:left;padding:13px;border:1px solid var(--line);vertical-align:top}footer{background:var(--ink);color:#e7eee9;padding:48px 0}footer a{color:white}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.fine{font-size:12px;color:#b7c5be}.modalback{display:none;position:fixed;inset:0;background:rgba(5,18,13,.68);z-index:99;align-items:center;justify-content:center;padding:20px}.modalback.show{display:flex}.modal{width:min(560px,100%);background:var(--card);border-radius:26px;padding:30px;box-shadow:var(--shadow);position:relative}.modal h2{font-size:36px;line-height:1;letter-spacing:-.04em;margin:8px 0 14px}.close{position:absolute;right:18px;top:16px;border:0;background:transparent;font-size:26px;cursor:pointer}.modal .mini{font-size:12px;color:var(--muted)}.pill{display:inline-block;background:var(--lime);padding:5px 9px;border-radius:999px;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.1em}
@media(max-width:800px){nav a:not(.nav-cta){display:none}.grid{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr}.hero{padding-top:55px}.hero h1{font-size:50px}.article{padding-top:44px}}