:root{--ink:#18212b;--muted:#607080;--paper:#fbfaf7;--card:#fff;--accent:#b13b4c;--accent2:#243b53;--line:#e7e1d9;--soft:#f3ede8;--good:#276749}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,sans-serif;background:var(--paper);color:var(--ink);line-height:1.65}
a{color:var(--accent2);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1120px,92vw);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(251,250,247,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:68px}.logo{font-weight:850;letter-spacing:-.03em;font-size:1.25rem;text-decoration:none;color:var(--ink)}.logo span{color:var(--accent)}nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{text-decoration:none;font-size:.92rem;color:var(--ink)}.navcta,.btn{display:inline-block;background:var(--accent);color:white!important;text-decoration:none;padding:.72rem 1rem;border-radius:10px;font-weight:750}
.hero{padding:76px 0 50px;background:linear-gradient(145deg,#fff 0%,#f7eceb 58%,#f1f4f7 100%)}.eyebrow{font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:var(--accent);font-size:.76rem}.hero h1,.article h1{font-size:clamp(2.35rem,5vw,4.7rem);line-height:1.02;letter-spacing:-.055em;margin:.3em 0}.hero p{font-size:1.18rem;max-width:720px;color:var(--muted)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.ghost{display:inline-block;border:1px solid var(--line);background:white;padding:.72rem 1rem;border-radius:10px;text-decoration:none;font-weight:700}
section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 8px 28px rgba(30,35,40,.04)}.card h3{margin:.25rem 0}.card p{color:var(--muted)}.kicker{font-size:.78rem;font-weight:800;color:var(--accent);text-transform:uppercase;letter-spacing:.08em}
.path{display:flex;gap:8px;flex-wrap:wrap;align-items:center}.pill{padding:.5rem .7rem;background:var(--soft);border-radius:999px;font-size:.88rem}.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:48px;padding:55px 0}.article h1{font-size:clamp(2.3rem,5vw,4rem)}.article h2{font-size:1.7rem;letter-spacing:-.025em;margin-top:2.2rem}.article h3{margin-top:1.7rem}.lede{font-size:1.18rem;color:var(--muted)}.meta{font-size:.88rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:28px}.toc{position:sticky;top:95px;align-self:start}.toc a{display:block;padding:.35rem 0;text-decoration:none}.note{border-left:4px solid var(--accent);background:var(--soft);padding:18px 20px;border-radius:0 12px 12px 0}.evidence{display:grid;gap:10px}.tag{font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.verified{color:var(--good)}.claim{color:#9c4221}.analysis{color:#2b6cb0}.cta{background:#202b38;color:white;border-radius:18px;padding:28px;margin:34px 0}.cta p{color:#dce4ec}.cta .btn{background:#e45a68}.disclosure{font-size:.84rem;color:var(--muted)}
footer{border-top:1px solid var(--line);padding:42px 0;margin-top:50px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footergrid a{display:block;margin:.35rem 0}
.popup-backdrop{display:none;position:fixed;inset:0;background:rgba(12,18,24,.68);z-index:100;align-items:center;justify-content:center;padding:20px}.popup{width:min(560px,100%);background:white;border-radius:20px;padding:30px;position:relative;box-shadow:0 30px 90px rgba(0,0,0,.3)}.popup h2{font-size:2rem;line-height:1.08;margin:.4rem 0}.popup-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:1.7rem;cursor:pointer}.popup-actions{display:flex;gap:10px;flex-wrap:wrap}.textbtn{border:0;background:transparent;text-decoration:underline;cursor:pointer;color:var(--muted);padding:.7rem}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:16px}.hubhero{padding:55px 0 25px}.hubhero h1{font-size:3.4rem;letter-spacing:-.05em;margin:.2em 0}.money{border-top:4px solid var(--accent)}
@media(max-width:820px){nav a:not(.navcta){display:none}.grid{grid-template-columns:1fr}.article{grid-template-columns:1fr}.toc{position:static;order:-1}.footergrid{grid-template-columns:1fr}.hero{padding-top:52px}.hero h1{font-size:3rem}}