:root{--ink:#21152d;--muted:#6f6576;--paper:#fffdf8;--cream:#f7f0df;--gold:#c49335;--plum:#58366e;--plum2:#7c5590;--line:#e6dcc9;--green:#375b4a}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--plum);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
.wrap{width:min(1120px,92%);margin:auto}.site-header{border-bottom:1px solid var(--line);background:rgba(255,253,248,.96);position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:72px}.brand{font-weight:700;text-decoration:none;color:var(--ink);font-size:1.25rem;letter-spacing:.02em}
.brand span{color:var(--gold)}nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-size:.95rem}
.hero{padding:82px 0 58px;background:radial-gradient(circle at 80% 10%,#eee1f3 0,transparent 35%),linear-gradient(180deg,#fffdf8,#f7f0df)}
.eyebrow{text-transform:uppercase;letter-spacing:.15em;color:var(--plum);font-size:.78rem;font-weight:700}.hero h1{font-size:clamp(2.6rem,6vw,5.3rem);line-height:1.02;max-width:850px;margin:.25em 0}
.lede{font-size:1.2rem;max-width:760px;color:#4f4554}.btn{display:inline-block;background:var(--plum);color:white;text-decoration:none;padding:12px 18px;border-radius:999px;font-weight:700;margin:6px 8px 6px 0}
.btn.alt{background:transparent;color:var(--plum);border:1px solid var(--plum)}section{padding:56px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--line);border-radius:18px;padding:24px;background:white}.card h3{margin-top:0}.card p{color:var(--muted)}
.money{border-top:4px solid var(--gold)}.pill{font-size:.75rem;border:1px solid var(--line);padding:4px 9px;border-radius:999px;display:inline-block;color:var(--muted)}
.article{width:min(820px,92%);margin:0 auto;padding:55px 0}.article h1{font-size:clamp(2.3rem,5vw,4rem);line-height:1.08}.article h2{margin-top:2em;font-size:1.7rem}
.note,.disclosure{background:var(--cream);border-left:4px solid var(--gold);padding:16px 18px;margin:24px 0}.cta{background:var(--ink);color:white;border-radius:18px;padding:26px;margin:32px 0}.cta a{color:white}.cta .btn{background:var(--gold);color:#21152d}
table{border-collapse:collapse;width:100%;margin:24px 0}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:var(--cream)}
footer{border-top:1px solid var(--line);padding:36px 0;color:var(--muted);font-size:.92rem}.footerlinks{display:flex;gap:16px;flex-wrap:wrap}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:20px}.small{font-size:.9rem;color:var(--muted)}
@media(max-width:760px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start;padding:14px 0;flex-direction:column}nav{padding-bottom:10px}.hero{padding-top:54px}}