@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,600;0,700;1,400;1,600&family=DM+Mono:wght@400;500&family=Instrument+Sans:wght@400;500;600&display=swap');

:root {
  --ink: #1C1917;
  --cream: #FAF7F2;
  --warm: #F0EAE0;
  --rust: #B85C38;
  --rust-light: #EDD9CF;
  --moss: #3D5A40;
  --slate: #3A4A5C;
  --muted: #7A736B;
  --border: #DDD6CC;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --mono: 'DM Mono', monospace;
  --sans: 'Instrument Sans', sans-serif;
  --content-width: 720px;
  --page-width: 1200px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { background: var(--cream); color: var(--ink); font-family: var(--sans); font-size: 16px; line-height: 1.6; overflow-x: hidden; }

/* NAV */
nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 18px 40px; display: flex; justify-content: space-between; align-items: center; background: rgba(250,247,242,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); }
.nav-logo { font-family: var(--serif); font-size: 20px; font-weight: 600; color: var(--ink); text-decoration: none; }
.nav-links { display: flex; gap: 28px; list-style: none; align-items: center; }
.nav-links a { font-size: 13px; font-weight: 500; color: var(--muted); text-decoration: none; transition: color 0.2s; }
.nav-links a:hover { color: var(--ink); }
.nav-cta { background: var(--ink) !important; color: var(--cream) !important; padding: 9px 20px !important; border-radius: 4px; font-weight: 600 !important; }
.nav-cta:hover { background: var(--rust) !important; }

/* ARTICLE */
.article-wrap { max-width: var(--content-width); margin: 0 auto; padding: 120px 24px 80px; }
.article-tag { font-family: var(--mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--rust); margin-bottom: 16px; display: block; }
.article-tag.legal { color: var(--slate); }
.article-tag.finance { color: var(--moss); }
.article-headline { font-family: var(--serif); font-size: clamp(32px, 5vw, 52px); font-weight: 600; line-height: 1.1; letter-spacing: -0.5px; color: var(--ink); margin-bottom: 24px; }
.article-lede { font-size: 19px; line-height: 1.65; color: var(--muted); border-left: 3px solid var(--rust); padding-left: 20px; margin-bottom: 48px; }
.article-body h2 { font-family: var(--serif); font-size: 28px; font-weight: 600; color: var(--ink); margin: 48px 0 16px; line-height: 1.2; }
.article-body h3 { font-family: var(--serif); font-size: 22px; font-weight: 600; color: var(--ink); margin: 36px 0 12px; }
.article-body p { font-size: 17px; line-height: 1.75; color: #3A3530; margin-bottom: 22px; }
.article-body ul, .article-body ol { padding-left: 24px; margin-bottom: 22px; }
.article-body li { font-size: 17px; line-height: 1.7; color: #3A3530; margin-bottom: 8px; }
.article-body strong { font-weight: 600; color: var(--ink); }
.article-body table { width: 100%; border-collapse: collapse; margin: 32px 0; font-size: 15px; }
.article-body th { background: var(--ink); color: var(--cream); padding: 10px 16px; text-align: left; font-size: 12px; letter-spacing: 0.04em; font-family: var(--mono); }
.article-body td { padding: 10px 16px; border-bottom: 1px solid var(--border); }
.article-body tr:nth-child(even) td { background: var(--warm); }
.article-body hr { border: none; border-top: 1px solid var(--border); margin: 48px 0; }

/* CALCULATOR CTA */
.calc-cta-box { background: var(--ink); border-radius: 8px; padding: 32px 36px; margin: 48px 0; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.calc-cta-text { font-family: var(--serif); font-size: 22px; font-weight: 600; color: white; line-height: 1.3; }
.calc-cta-sub { font-size: 13px; color: rgba(255,255,255,0.5); margin-top: 6px; }
.btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--rust); color: white; padding: 13px 24px; border-radius: 4px; font-size: 14px; font-weight: 600; text-decoration: none; white-space: nowrap; transition: all 0.2s; }
.btn-primary:hover { background: #a04e2e; transform: translateY(-1px); }
.legal-note { font-size: 13px; color: var(--muted); border-top: 1px solid var(--border); padding-top: 24px; margin-top: 48px; line-height: 1.6; font-style: italic; }

/* FOOTER */
footer { background: var(--ink); padding: 60px 80px; }
.footer-inner { max-width: var(--page-width); margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 60px; }
.footer-brand { font-family: var(--serif); font-size: 22px; font-weight: 600; color: white; margin-bottom: 12px; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 260px; }
.footer-col-title { font-family: var(--mono); font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 16px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,0.55); text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: white; }
.footer-bottom { max-width: var(--page-width); margin: 40px auto 0; padding-top: 28px; border-top: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; }
.footer-legal { font-size: 12px; color: rgba(255,255,255,0.25); }

/* ANIMATIONS */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 768px) {
  nav { padding: 14px 20px; }
  .nav-links { display: none; }
  .article-wrap { padding: 100px 20px 60px; }
  .calc-cta-box { flex-direction: column; }
  footer { padding: 48px 24px; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 36px; }
}