*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
  :root{--bg:#F7F6F2;--surface:#fff;--surface2:#F0EFE9;--text:#1A1916;--muted:#6B6860;--accent:#1B4FD8;--accent2:#1440B3;--gold:#92400E;--green:#047857;--border:#E5E3DC}
  body{font-family:'Inter',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;display:flex;flex-direction:column}
  header{background:var(--surface);border-bottom:1px solid var(--border);padding:0 2rem;height:60px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100}
  .logo{font-family:'Playfair Display',serif;font-size:22px;color:var(--accent);text-decoration:none}
  .logo em{font-style:italic}
  .nav-links{display:flex;gap:1.25rem;align-items:center}
  .nav-links a{font-size:13px;text-decoration:none;color:var(--muted);font-weight:500}
  .nav-links a:hover{color:var(--accent)}
  @media(max-width:520px){.nav-links a:not(.nav-home){display:none}}
  .ad-banner{background:#f5f5f5;border-bottom:1px solid var(--border);text-align:center;padding:10px}
  .ad-label{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:3px}
  .ad-placeholder{height:90px;display:flex;align-items:center;justify-content:center;color:#ccc;font-size:12px;border:1px dashed #ddd;border-radius:4px;margin:0 auto;max-width:728px}
  main{flex:1;max-width:720px;margin:0 auto;width:100%;padding:2.5rem 1.5rem}
  h1{font-family:'Playfair Display',serif;font-size:clamp(1.7rem,4vw,2.5rem);font-weight:700;line-height:1.15;margin-bottom:.5rem}
  .sub{color:var(--muted);font-size:15px;margin-bottom:1.5rem}
  .card{background:var(--surface);border:1px solid var(--border);border-radius:24px;padding:2rem;margin-bottom:1.5rem;box-shadow:0 1px 4px rgba(0,0,0,.05)}
  .grid2{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1rem}
  @media(max-width:480px){.grid2{grid-template-columns:1fr}}
  label{display:block;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:.5rem}
  .iw{position:relative}
  .iw input,.iw select{width:100%;padding:.85rem 1rem .85rem 2.1rem;border:1.5px solid var(--border);border-radius:12px;font-size:16px;color:var(--text);background:var(--bg);outline:none;font-family:'Inter',sans-serif}
  .iw.no input,.iw.no select{padding-left:1rem}
  .iw input:focus,.iw select:focus{border-color:var(--accent);background:#fff}
  .pre{position:absolute;left:1rem;top:50%;transform:translateY(-50%);color:var(--muted);font-size:15px;pointer-events:none}
  .btn{width:100%;padding:1rem;background:var(--accent);color:#fff;border:none;border-radius:14px;font-size:16px;font-weight:600;cursor:pointer;font-family:'Inter',sans-serif}
  .btn:hover{background:var(--accent2)}
  .payhero{background:linear-gradient(135deg,var(--accent2),var(--accent));border-radius:20px;padding:2rem;text-align:center;color:#fff;margin:1rem 0}
  .payhero .lbl{font-size:13px;opacity:.75;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.5rem}
  .payhero .amt{font-family:'Playfair Display',serif;font-size:clamp(3rem,11vw,4.5rem);font-weight:700;line-height:1}
  .sgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-bottom:1rem}
  @media(max-width:400px){.sgrid{grid-template-columns:1fr}}
  .scard{background:var(--surface2);border-radius:14px;padding:1rem;text-align:center}
  .scard .n{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;line-height:1}
  .scard .l{font-size:11px;color:var(--muted);margin-top:4px;text-transform:uppercase;letter-spacing:.06em}
  table{width:100%;border-collapse:collapse;font-size:14px;background:var(--surface);border:1px solid var(--border);border-radius:16px;overflow:hidden;margin-bottom:1.5rem}
  th{text-align:left;padding:.6rem 1.25rem;background:var(--surface2);font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
  td{padding:.7rem 1.25rem;border-bottom:1px solid var(--border)}
  tr:last-child td{border-bottom:none}
  td:last-child{font-family:'Playfair Display',serif;color:var(--accent2);text-align:right}
  .prose{margin-bottom:1.5rem}
  .prose h2{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:400;margin:1.5rem 0 .5rem}
  .prose p{font-size:14px;color:#3a3933;line-height:1.7;margin-bottom:.75rem}
  .ad-block{background:#f9f9f9;border:1px dashed #ddd;border-radius:12px;text-align:center;font-size:11px;color:var(--muted);margin-bottom:1.5rem;min-height:260px;display:flex;align-items:center;justify-content:center}
  .related{margin-bottom:2rem}
  .related h2{font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:400;margin-bottom:.75rem}
  .rlinks{display:flex;flex-wrap:wrap;gap:.5rem}
  .rlinks a{padding:.4rem .85rem;border:1px solid var(--border);border-radius:100px;font-size:13px;color:var(--accent);background:#fff;text-decoration:none}
  .rlinks a:hover{background:var(--surface2)}
  footer{background:var(--surface);border-top:1px solid var(--border);padding:1.5rem 2rem;text-align:center;font-size:12px;color:var(--muted)}
  footer a{color:var(--accent);text-decoration:none}