:root{--ink:#1d2230;--muted:#62697a;--paper:#fbfaf7;--card:#fff;--line:#e6e2d9;--accent:#6957a5;--soft:#f0edf8;--max:1120px}
*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.68}
a{color:#55468e;text-underline-offset:2px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
header{background:rgba(251,250,247,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;gap:22px;align-items:center;min-height:66px}.brand{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;color:var(--ink);text-decoration:none;white-space:nowrap}
.navlinks{display:flex;gap:16px;flex-wrap:wrap;margin-left:auto}.navlinks a{color:var(--ink);text-decoration:none;font-size:.94rem}
.hero{padding:78px 0 56px;background:linear-gradient(135deg,#f6f2ff,#fbfaf7 60%,#f7f1e8)}
.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.76rem;font-weight:800;color:var(--accent)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.16}h1{font-size:clamp(2.35rem,5vw,4.5rem);margin:.15em 0}
.hero p{font-size:1.16rem;max-width:760px;color:#444b5a}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px}.card h3{margin-top:0}.section{padding:52px 0}
.kicker{color:var(--muted);max-width:760px}.breadcrumbs{font-size:.88rem;color:var(--muted);padding:22px 0 0}.breadcrumbs a{color:var(--muted)}
.article{max-width:780px;margin:0 auto;padding:36px 0 64px}.article h1{font-size:clamp(2.2rem,4vw,3.6rem)}.article h2{margin-top:2em}
.note,.cta,.disclosure{border-radius:14px;padding:20px;margin:26px 0}.note{background:#f3f1eb;border:1px solid #e3ded0}
.disclosure{background:#f7f3ff;border:1px solid #ded5f3}.cta{background:#28233c;color:#fff}.cta h3{color:#fff;margin-top:0}
.button,.cta a.button{display:inline-block;background:var(--accent);color:#fff!important;padding:11px 16px;border-radius:999px;text-decoration:none;font-weight:800;border:0;cursor:pointer}
.cta a.button{background:#fff;color:#28233c!important}.calc{background:#fff;border:1px solid var(--line);padding:24px;border-radius:16px}
.calc label{display:block;font-weight:700;margin:12px 0 6px}.calc input{width:100%;max-width:360px;padding:12px;border:1px solid #cfc9bd;border-radius:9px;font-size:1rem}
.result{font-size:1.2rem;font-weight:800;margin-top:18px}
footer{border-top:1px solid var(--line);padding:38px 0 55px;color:var(--muted);font-size:.91rem}.foot{display:flex;gap:24px;justify-content:space-between;flex-wrap:wrap}.foot a{color:var(--muted)}
@media(max-width:820px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start;padding:14px 0}.navlinks{gap:10px}.hero{padding:50px 0 38px}.article{padding-top:24px}}