:root{--ink:#111827;--muted:#5f6877;--navy:#071526;--navy2:#0b2138;--gold:#d8ad58;--cream:#fbf8f1;--line:#e7e2d8;--white:#fff;--green:#244f45}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.7 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:#174c72;text-decoration-thickness:1px;text-underline-offset:3px}.wrap{max-width:1120px;margin:auto;padding:0 24px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #18314c}.nav{height:72px;display:flex;align-items:center;gap:28px}
.brand{font-weight:800;letter-spacing:.2px;color:#fff;text-decoration:none;font-size:20px}.brand span{color:var(--gold)}
nav{margin-left:auto;display:flex;gap:20px;align-items:center}nav a{color:#dce6ef;text-decoration:none;font-size:14px}.cta{display:inline-block;background:var(--gold);color:#17202a!important;text-decoration:none;padding:12px 18px;border-radius:10px;font-weight:800}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:86px 0 76px}.eyebrow{color:#e9c77e;text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:800}
h1{font-size:clamp(38px,6vw,68px);line-height:1.02;letter-spacing:-.045em;max-width:850px;margin:12px 0 22px}h2{font-size:34px;line-height:1.15;letter-spacing:-.025em;margin-top:48px}h3{font-size:22px;line-height:1.25}
.hero p{font-size:20px;color:#d5e0e9;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.ghost{display:inline-block;color:#fff;border:1px solid #55708c;padding:11px 17px;border-radius:10px;text-decoration:none;font-weight:700}
main.article{max-width:820px;margin:0 auto;padding:58px 24px 80px}.dek{font-size:21px;color:var(--muted)}.notice{background:#f7f3e8;border-left:4px solid var(--gold);padding:18px 20px;border-radius:6px;margin:28px 0}.evidence{background:#f4f7f9;border:1px solid #dbe4ea;padding:18px 20px;border-radius:12px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff}.card a{font-weight:800}.section{padding:70px 0}.section.cream{background:var(--cream)}.kicker{font-weight:800;color:var(--green)}
.moneybox{background:var(--navy);color:#fff;border-radius:16px;padding:26px;margin:34px 0}.moneybox p{color:#d8e1e9}.moneybox .cta{margin-top:5px}
.breadcrumb{font-size:13px;color:#6d7681;margin-bottom:22px}.breadcrumb a{color:#5b6672}
footer{background:#071526;color:#c8d4df;padding:54px 0}footer a{color:#dce6ef}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.small{font-size:13px;color:#697384}.source-list li{margin:8px 0}
.modal-backdrop{position:fixed;inset:0;background:rgba(3,10,18,.72);z-index:50;display:none;align-items:center;justify-content:center;padding:20px}.modal-backdrop.show{display:flex}
.modal{max-width:560px;background:#fff;border-radius:18px;padding:34px;box-shadow:0 30px 90px rgba(0,0,0,.35);position:relative}.modal h2{margin:6px 0 12px;font-size:32px}.modal-close{position:absolute;right:14px;top:10px;border:0;background:transparent;font-size:30px;cursor:pointer;color:#667}.modal .eyebrow{color:#8b671d}
@media(max-width:760px){nav a:not(.cta){display:none}.grid,.footgrid{grid-template-columns:1fr}.hero{padding:62px 0}.section{padding:48px 0}h2{font-size:29px}.modal{padding:28px 22px}}