:root{--ink:#17362f;--muted:#61736e;--cream:#f6f2e8;--paper:#fffdf8;--green:#2f6b55;--lime:#d8e8a8;--gold:#e6b95c;--line:#dce4df;--shadow:0 18px 50px rgba(23,54,47,.12)}
*{box-sizing:border-box}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:1.65}a{color:var(--green)}.wrap{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,253,248,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:22px}.logo{font-weight:900;letter-spacing:-.04em;text-decoration:none;color:var(--ink);font-size:1.25rem}.logo span{color:var(--green)}.navlinks{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.92rem}
.hero{padding:78px 0 48px;background:radial-gradient(circle at 85% 20%,#e6efc9 0,transparent 28%),linear-gradient(135deg,#f7f1df,#fffdf8 55%)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.78rem;color:var(--green)}h1{font-size:clamp(2.4rem,6vw,5rem);line-height:.98;letter-spacing:-.055em;max-width:900px;margin:.18em 0}.lead{font-size:1.18rem;color:#435b54;max-width:760px}.btn{display:inline-block;padding:13px 19px;border-radius:999px;background:var(--green);color:white;text-decoration:none;font-weight:800;margin:8px 8px 8px 0}.btn.alt{background:transparent;color:var(--green);border:1px solid var(--green)}
main{min-height:65vh}.section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 8px 24px rgba(23,54,47,.05)}.card h3{margin-top:0}.card a{font-weight:800}.article{width:min(800px,92%);margin:0 auto;padding:55px 0}.article h1{font-size:clamp(2.2rem,5vw,4.2rem)}.article h2{margin-top:2.2em;font-size:1.75rem;letter-spacing:-.025em}.note,.disclosure{padding:18px 20px;border-radius:14px;background:var(--cream);border-left:4px solid var(--gold);margin:24px 0}.moneybox{background:#edf4dc;border:1px solid #c9daa0;padding:24px;border-radius:20px;margin:28px 0}.moneybox h2{margin-top:0}.breadcrumbs{font-size:.85rem;color:var(--muted);margin-bottom:20px}.toc{border:1px solid var(--line);border-radius:14px;padding:16px 20px;background:#fff}.toc a{display:inline-block;margin:4px 14px 4px 0}
footer{background:#14352d;color:#eaf2ee;padding:46px 0;margin-top:50px}footer a{color:#eaf2ee}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.small{font-size:.86rem;color:var(--muted)}
.popup-backdrop{position:fixed;inset:0;background:rgba(8,25,21,.64);display:none;align-items:center;justify-content:center;z-index:100;padding:18px}.popup{width:min(600px,100%);background:#fffdf8;border-radius:24px;padding:32px;box-shadow:var(--shadow);position:relative;border:1px solid #dce4df}.popup .close{position:absolute;right:16px;top:12px;border:0;background:transparent;font-size:28px;cursor:pointer}.popup h2{font-size:2rem;line-height:1.05;margin:.2em 0}.popup p{color:#4f625d}.popup .btn{width:100%;text-align:center}.popup .fine{font-size:.78rem;color:#6c7b77}
@media(max-width:780px){.grid,.footgrid{grid-template-columns:1fr}.navlinks{display:none}.hero{padding-top:52px}.article{padding-top:34px}}