:root{--ink:#0A1A2C;--slate:#16283D;--paper:#F4F5F1;--charcoal:#1B1F23;--brass:#9C7A3F;--brass-hover:#B08F4F;--white:#FFF;--muted:#5C6570;--border:#e2e4de;--display:'Source Serif 4',Georgia,serif;--body:'Open Sans',system-ui,sans-serif;--mono:'IBM Plex Mono',ui-monospace,monospace}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
body{font-family:var(--body);color:var(--charcoal);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:inherit}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;color:var(--ink);padding:8px 12px;z-index:9}
.wrap{max-width:1100px;margin:0 auto;padding:0 22px}
.header{background:var(--ink);padding:18px 0}.header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo img{height:48px;width:auto}
.header nav a{color:rgba(255,255,255,.85);text-decoration:none;font-size:.9rem;margin-left:20px}.header nav a:hover{color:#fff}
.header nav .btn-nav-fund{background:var(--brass);color:#fff;padding:7px 16px;border-radius:2px;font-weight:600;margin-left:24px}.header nav .btn-nav-fund:hover{background:var(--brass-hover);color:#fff}
.header nav .hide-sm{display:none}
.hero{background:var(--ink);color:#fff;padding:56px 0 64px;border-bottom:3px solid var(--brass)}
.eyebrow,.section-label{font-family:var(--mono);font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);margin-bottom:14px}
.hero .eyebrow{color:#C9AE72}
h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.2;color:var(--ink)}
.hero h1{color:#fff;font-size:clamp(2rem,6vw,3.2rem);max-width:20ch}
.hero p{color:rgba(255,255,255,.82);font-size:1.08rem;max-width:60ch;margin-top:18px}
h2{font-size:clamp(1.6rem,4vw,2.2rem);margin-bottom:16px}
h3{font-size:1.2rem;margin-bottom:8px}
.section{padding:56px 0;background:var(--paper)}.bg-white{background:#fff}
.section p{max-width:65ch}.muted{color:var(--muted)}
.grid{display:grid;gap:28px;margin-top:28px}
.card{border-top:1px solid var(--border);padding-top:18px}.card .num{font-family:var(--mono);color:var(--brass);font-size:.8rem}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:20px;border-top:1px solid var(--border);margin:28px 0;padding-top:20px;font-family:var(--mono)}
.facts b{display:block;font-weight:500;color:var(--ink);font-size:1.05rem}.facts span{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.btn{display:inline-block;background:var(--brass);color:#fff;text-decoration:none;font-weight:600;padding:14px 26px;border-radius:2px}.btn:hover{background:var(--brass-hover)}
.fine{font-size:.85rem;color:var(--muted);margin-top:14px}
.about{display:grid;gap:28px;align-items:center}
.about img{width:160px;height:160px;border-radius:50%;object-fit:cover;border:3px solid #B8A062}
blockquote{font-family:var(--display);font-style:italic;font-size:1.15rem;line-height:1.65;color:var(--charcoal)}
.attr{font-family:var(--mono);font-size:.72rem;letter-spacing:.09em;text-transform:uppercase;color:var(--brass);margin-top:12px}
address{font-style:normal;line-height:1.9}address a{color:var(--ink);font-weight:600}
.footer{background:var(--slate);color:rgba(255,255,255,.72);padding:44px 0;font-size:.82rem;line-height:1.65}
.footer p{margin-bottom:12px;max-width:none}.footer a{color:#fff}
.footer .links{margin:18px 0}.footer .links a{margin-right:18px}
.hero-inner,.section-inner{max-width:1100px;margin:0 auto;padding:0 22px}.hero-sub{margin-top:14px}
.faq-item p{max-width:none}.fraud-list{max-width:720px}.fraud-list li{margin:0 0 12px 1.2em;color:var(--muted)}.fraud-list strong{color:var(--ink)}
.glossary-term{text-decoration:none;border-bottom:1px solid rgba(156,122,63,.35)}
.section h3{margin-top:28px}.section p+p{margin-top:14px}
@media(min-width:760px){.header nav .hide-sm{display:inline}.hero{padding:96px 0 104px}.section{padding:84px 0}.grid{grid-template-columns:repeat(3,1fr)}.facts{grid-template-columns:repeat(4,1fr)}.about{grid-template-columns:180px 1fr}.about img{width:180px;height:180px}}