:root{--ink:#0c1118;--panel:#121a24;--panel2:#182331;--paper:#f5f1e8;--muted:#aeb8c5;--gold:#e4b65d;--gold2:#f5d38b;--line:#2a394b;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ink);color:#edf1f5;font:16px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,sans-serif}a{color:inherit}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
.top{position:sticky;top:0;z-index:20;background:rgba(12,17,24,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{height:72px;display:flex;align-items:center;gap:26px}.brand{font-weight:850;letter-spacing:-.03em;text-decoration:none;font-size:21px}.brand b{color:var(--gold)}.links{display:flex;gap:20px;margin-left:auto}.links a{text-decoration:none;color:#d4dbe3;font-size:14px}.cta{display:inline-block;background:var(--gold);color:#17130b!important;padding:11px 16px;border-radius:9px;text-decoration:none;font-weight:800}
.hero{padding:92px 0 68px;background:radial-gradient(circle at 80% 10%,#24364a 0,transparent 38%),linear-gradient(180deg,#0c1118,#101823)}.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:var(--gold2);font-weight:800;font-size:12px}.hero h1,.article h1{font-family:Georgia,serif;letter-spacing:-.035em;line-height:1.04;margin:.2em 0;font-size:clamp(42px,7vw,76px)}.hero p{max-width:720px;font-size:20px;color:#c6d0da}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.ghost{display:inline-block;border:1px solid #46586d;padding:10px 16px;border-radius:9px;text-decoration:none}
.band{padding:24px 0;border-block:1px solid var(--line);background:#0f1620}.band .wrap{display:flex;gap:28px;justify-content:space-between;color:#b8c3ce;font-size:14px}
section{padding:64px 0}.section-title{font-family:Georgia,serif;font-size:38px;line-height:1.1;margin:0 0 12px}.lede{color:#b7c2cd;max-width:760px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.card{background:var(--panel);border:1px solid var(--line);padding:24px;border-radius:14px;text-decoration:none}.card:hover{border-color:#5b7189;transform:translateY(-1px)}.card h3{margin:8px 0}.card p{color:#aeb9c5;margin:0}.num{color:var(--gold);font-weight:900;font-size:12px}
.article{padding:68px 0}.article-grid{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:56px}.article h1{font-size:clamp(40px,6vw,64px)}.article h2{font-family:Georgia,serif;font-size:30px;margin-top:48px}.article h3{font-size:20px;margin-top:30px}.article p,.article li{color:#d0d7df}.article .intro{font-size:20px;color:#eef2f5}.note{border-left:3px solid var(--gold);background:var(--panel);padding:18px 20px;margin:28px 0}.moneybox{background:linear-gradient(135deg,#1b2a39,#111923);border:1px solid #435a72;border-radius:14px;padding:24px;margin:30px 0}.moneybox .cta{margin-top:8px}.sidebar{position:sticky;top:98px;height:max-content}.sidebox{border:1px solid var(--line);border-radius:12px;padding:20px;background:var(--panel)}.sidebox a{display:block;color:#cbd5df;margin:8px 0;text-decoration:none}.breadcrumbs{font-size:13px;color:#8f9ba8;margin-bottom:24px}.breadcrumbs a{color:#b8c3ce}
footer{border-top:1px solid var(--line);padding:44px 0;color:#9ba7b4}.footergrid{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}.footerlinks a{margin-right:16px}
.popup-backdrop{display:none;position:fixed;inset:0;background:rgba(0,0,0,.72);z-index:90;align-items:center;justify-content:center;padding:18px}.popup{width:min(620px,100%);background:#101923;border:1px solid #465b72;border-radius:18px;box-shadow:0 30px 90px #000;padding:34px;position:relative}.popup h2{font:700 38px/1.05 Georgia,serif;margin:8px 0 14px}.popup p{color:#c3ccd5}.popup-close{position:absolute;right:14px;top:10px;background:none;border:0;color:#b8c3ce;font-size:28px;cursor:pointer}.fine{font-size:12px;color:#8593a1}.popup-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
@media(max-width:800px){.links{display:none}.article-grid{grid-template-columns:1fr}.sidebar{position:static}.grid{grid-template-columns:1fr}.band .wrap{flex-direction:column;gap:6px}.hero{padding-top:64px}}