:root {
  --ink: #0a2a2e; --ink-soft: #1a3d42; --paper: #faf7f2; --paper-warm: #f5efe5;
  --teal: #0d4f5c; --teal-deep: #08363f; --amber: #d4751c; --amber-bright: #e88a2e;
  --sage: #6b8e7f; --green-money: #2d6a4f; --rule: #d9d0c1;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter Tight', 'Inter Tight Fallback', -apple-system, sans-serif; background: var(--paper); color: var(--ink); line-height: 1.6; }

.wrap { max-width: 760px; margin: 0 auto; padding: 0 28px; }
h1 { font-family: 'Fraunces', 'Fraunces Fallback', serif; font-size: clamp(32px, 5vw, 48px); line-height: 1.1; letter-spacing: -0.02em; color: var(--teal-deep); margin: 32px 0 16px; }
h2 { font-family: 'Fraunces', 'Fraunces Fallback', serif; font-size: 28px; line-height: 1.2; color: var(--teal-deep); margin: 32px 0 16px; }
h3 { font-family: 'Fraunces', 'Fraunces Fallback', serif; font-size: 20px; color: var(--teal-deep); margin: 24px 0 12px; font-weight: 600; }
p { margin-bottom: 16px; font-size: 15px; color: var(--ink-soft); line-height: 1.8; }
ul, ol { margin: 0 0 16px 22px; color: var(--ink-soft); }
li { margin-bottom: 8px; line-height: 1.7; }

.hero { padding: 48px 28px; background: var(--teal-deep); color: var(--paper); text-align: center; }
.hero .wrap { max-width: 760px; }
.hero h1 { color: var(--paper); margin-top: 0; }
.hero p { color: rgba(250,247,242,.85); font-size: 16px; }

.article { padding: 40px 28px; }
.article .wrap { max-width: 760px; }
.meta { font-size: 14px; color: var(--ink-soft); margin-bottom: 32px; }

.callout { background: var(--paper-warm); border-left: 4px solid var(--amber); padding: 20px; border-radius: 8px; margin: 28px 0; }
.callout h4 { font-size: 15px; font-weight: 700; color: var(--teal-deep); margin-bottom: 8px; }
.callout p { margin: 0; font-size: 14px; }

.table-box { overflow-x: auto; margin: 20px 0; }
.table-box table { width: 100%; border-collapse: collapse; }
.table-box th { background: var(--teal-deep); color: #fff; padding: 12px; text-align: left; font-weight: 600; font-size: 14px; }
.table-box td { padding: 12px; border-bottom: 1px solid var(--rule); font-size: 14px; }

.btn-primary { display: inline-block; background: var(--amber); color: #fff; padding: 14px 28px; border-radius: 999px; text-decoration: none; font-weight: 600; margin-top: 16px; }
.btn-primary:hover { background: var(--amber-bright); }
a { color: var(--teal); }

.cta-box { background: var(--teal-deep); color: #fff; border-radius: 12px; padding: 32px; margin: 40px 0; text-align: center; }
.cta-box h2 { color: #fff; margin-top: 0; }
.cta-box p { color: rgba(250,247,242,.85); }

footer { padding: 40px 28px; border-top: 1px solid var(--rule); background: var(--ink); color: rgba(250,247,242,.6); text-align: center; font-size: 12px; }
footer a { color: rgba(250,247,242,.75); text-decoration: none; }