:root{--ink:#15251f;--muted:#607068;--bg:#f7f4ec;--card:#fffdf8;--green:#215b46;--lime:#dff06a;--line:#d9ded8;--orange:#e67b43}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.7 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--green)}.wrap{width:min(1120px,92%);margin:auto}.top{background:#102e24;color:white;padding:.55rem 0;font-size:.88rem;text-align:center}
header{background:#fffdf8;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}.brand{font-weight:900;letter-spacing:-.04em;font-size:1.3rem;text-decoration:none;color:var(--ink)}.brand b{color:var(--green)}
nav{display:flex;gap:1rem;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.92rem}
.hero{padding:74px 0 54px;background:linear-gradient(145deg,#f7f4ec 55%,#e9efdc)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.78rem;color:var(--green)}
h1{font-size:clamp(2.45rem,6vw,5.4rem);line-height:.96;letter-spacing:-.065em;max-width:900px;margin:.25em 0}h2{font-size:clamp(1.8rem,4vw,3.1rem);line-height:1.08;letter-spacing:-.04em}h3{line-height:1.2}
.lede{font-size:1.2rem;max-width:760px;color:#42544c}.actions{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.5rem 0}.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:800;padding:.85rem 1.15rem;border-radius:9px}.btn.alt{background:transparent;color:var(--green);border:1px solid var(--green)}
section{padding:58px 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}.card a{font-weight:800;text-decoration:none}.kicker{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--green);font-weight:900}.path{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.step{padding:18px;border-top:3px solid var(--green);background:#fffdf8}.note{background:#eef3e7;border-left:4px solid var(--green);padding:18px 20px;border-radius:6px}.warning{background:#fff1e8;border-left-color:var(--orange)}
.article{display:grid;grid-template-columns:minmax(0,740px) 280px;gap:48px;align-items:start}.article main{background:#fffdf8;border:1px solid var(--line);border-radius:18px;padding:clamp(22px,5vw,48px)}.article aside{position:sticky;top:95px}.article h1{font-size:clamp(2.2rem,5vw,4.2rem)}.article h2{margin-top:2.2rem;font-size:2rem}.article li{margin:.55rem 0}.toc a{display:block;margin:.5rem 0;text-decoration:none}.moneybox{background:#14392d;color:#fff;border-radius:16px;padding:24px}.moneybox a{color:#102e24;background:var(--lime);display:block;text-align:center;padding:.85rem;border-radius:8px;text-decoration:none;font-weight:900}.disclosure{font-size:.84rem;color:var(--muted)}
footer{background:#102e24;color:#dce5e0;padding:48px 0;margin-top:60px}footer a{color:white}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.modal{position:fixed;inset:0;background:rgba(10,25,20,.68);display:none;place-items:center;z-index:100;padding:18px}.modal.show{display:grid}.modalbox{background:#fffdf8;width:min(600px,96vw);border-radius:18px;padding:30px;position:relative;box-shadow:0 24px 80px #0005}.close{position:absolute;right:14px;top:10px;border:0;background:none;font-size:1.8rem;cursor:pointer}.modal h2{margin:.2rem 0}.modal .btn{width:100%;text-align:center}.mini{font-size:.8rem;color:var(--muted)}
@media(max-width:800px){.grid,.path,.article,.foot{grid-template-columns:1fr}.article aside{position:static}nav{display:none}.hero{padding-top:50px}}