:root {
  --ground: #FBF7F1; --card: #FFFFFF; --card-tint: #EADFCF;
  --ink: #2B2118; --ink-muted: #7A6A5A; --hairline: #DED3C2; --credit: #0077BB;
}
* { box-sizing: border-box; }
body {
  margin: 0; background: var(--ground); color: var(--ink);
  font-family: "Manrope", ui-sans-serif, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif;
  font-weight: 600; line-height: 1.6; -webkit-font-smoothing: antialiased;
}
a { color: var(--credit); }
.wrap { max-width: 720px; margin: 0 auto; padding: 0 22px; }
header { padding: 22px 0; }
header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.wordmark { font-weight: 800; font-size: 22px; letter-spacing: -0.02em; text-decoration: none; color: var(--ink); }
.by { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-muted); text-decoration: none; }
.by:hover { color: var(--ink); }
main { padding: 24px 0 64px; }
.label { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-muted); margin: 0 0 12px; }
h1 { font-size: clamp(2rem, 5vw, 3rem); letter-spacing: -0.04em; line-height: 1.02; font-weight: 800; margin: 0 0 12px; }
.effective { color: var(--ink-muted); font-size: 0.95rem; margin: 0 0 28px; }
.summary { background: var(--card-tint); border-radius: 20px; padding: 20px 22px; margin: 0 0 36px; }
.summary p { margin: 0 0 10px; }
.summary p:last-child { margin: 0; }
h2 { font-size: 1.35rem; letter-spacing: -0.02em; font-weight: 800; margin: 36px 0 10px; padding-top: 24px; border-top: 1px solid var(--hairline); }
h3 { font-size: 1.05rem; font-weight: 800; margin: 20px 0 6px; }
p, li { font-size: 1rem; }
ul { padding-left: 1.2rem; }
li { margin: 6px 0; }
table { width: 100%; border-collapse: collapse; font-size: 0.95rem; margin: 12px 0; }
th, td { text-align: left; padding: 10px 8px 10px 0; border-top: 1px solid var(--hairline); vertical-align: top; }
tr:last-child td { border-bottom: 1px solid var(--hairline); }
th { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-muted); border-top: 0; }
footer { padding: 32px 0 56px; border-top: 1px solid var(--hairline); font-size: 13px; color: var(--ink-muted); }
footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 14px 24px; }
footer nav { display: flex; gap: 22px; }
footer nav a, footer a { color: var(--ink-muted); text-decoration: none; font-weight: 700; }
footer nav a:hover, footer a:hover { color: var(--ink); }