:root{
  --teal-900:#0c3a3e; --teal-700:#15585e; --teal-500:#1f8a8f; --teal-50:#eaf4f4;
  --gold-500:#c9a85c; --gold-300:#e2c98a;
  --cream:#f7f3ec; --ink-900:#0e1718; --ink-700:#3a4a4c; --ink-500:#6a7878;
  --line:#e6ece9; --bg:#fbfaf6;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink-900);background:var(--bg);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--teal-700);text-decoration:none;border-bottom:1px solid transparent;transition:border-color .15s}
a:hover{border-bottom-color:var(--teal-500)}
h1,h2,h3{font-family:'Fraunces',Georgia,serif;font-weight:500;line-height:1.2;color:var(--ink-900)}
h1{font-size:clamp(2.2rem,4.6vw,3.4rem);margin-bottom:14px}
h2{font-size:clamp(1.4rem,2.4vw,1.9rem);margin:42px 0 14px;color:var(--teal-900)}
h3{font-size:1.15rem;margin:24px 0 8px}
p{margin-bottom:16px;color:var(--ink-700)}
ul,ol{margin:12px 0 16px 24px;color:var(--ink-700)}
li{margin-bottom:8px}
.container{max-width:780px;margin:0 auto;padding:0 24px}
.topbar{background:var(--teal-900);color:#fff;padding:14px 24px;text-align:center;font-size:.82rem;letter-spacing:.04em}
.topbar a{color:#fff}
header.site{padding:22px 0;border-bottom:1px solid var(--line);background:#fff}
header.site .container{display:flex;align-items:center;justify-content:space-between}
header.site .brand{font-family:'Fraunces',serif;font-size:1.2rem;color:var(--teal-900)}
header.site .brand span{color:var(--gold-500)}
header.site nav a{margin-left:18px;color:var(--ink-700);font-size:.9rem}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;font-weight:700;color:var(--teal-500)}
main{padding:48px 0 80px}
.hero{padding:24px;background:linear-gradient(135deg,var(--teal-900) 0%,var(--teal-700) 100%);color:#fff;border-radius:14px;margin:24px 0 32px}
.hero h1{color:#fff;margin-bottom:14px}
.hero p{color:#cfe0e0;font-size:1.05rem}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:8px;font-weight:600;font-size:1.05rem;text-decoration:none;border:none;cursor:pointer;transition:transform .15s,box-shadow .15s}
.btn-gold{background:var(--gold-500);color:var(--teal-900)}
.btn-gold:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(0,0,0,.25)}
.key-takeaways{padding:24px 28px;background:linear-gradient(180deg,#f1f8f8 0%,#eaf4f4 100%);border-left:4px solid var(--gold-500);border-radius:10px;margin:24px 0}
.key-takeaways-h{font-family:'Fraunces',Georgia,serif;font-size:1.18rem;font-weight:600;color:var(--teal-900);margin-bottom:14px}
.key-takeaways ul{margin:0;padding-left:0;list-style:none}
.key-takeaways li{position:relative;padding:0 0 12px 26px;line-height:1.55;font-size:.96rem;color:var(--ink-700)}
.key-takeaways li:before{content:"";position:absolute;left:6px;top:9px;width:8px;height:8px;background:var(--gold-500);border-radius:50%}
.key-takeaways li:last-child{padding-bottom:0}
.instrument-card{padding:18px 22px;background:#fff;border:1px solid var(--line);border-radius:10px;margin:14px 0}
.instrument-card h3{font-size:1.05rem;color:var(--teal-900);margin-bottom:4px}
.instrument-card p{font-size:.94rem;margin:0}
.faq{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-weight:600;cursor:pointer;color:var(--teal-900);list-style-position:inside}
.faq summary:hover{color:var(--teal-700)}
.faq .ans{padding:10px 0 4px;color:var(--ink-700);font-size:.96rem}
.cta-bar{padding:30px;background:var(--gold-500);border-radius:14px;text-align:center;margin:48px 0 16px}
.cta-bar h3{color:var(--teal-900);font-size:1.5rem;margin-bottom:8px}
.cta-bar p{color:var(--teal-900);margin-bottom:18px;font-weight:500}
.cta-bar .btn{background:var(--teal-900);color:#fff}
footer.site{background:var(--teal-900);color:#9bb6b8;padding:32px 0;margin-top:64px;font-size:.86rem}
footer.site .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px}
footer.site a{color:#cfdfd9;margin-left:14px;border:none}
@media (max-width:600px){footer.site .container{flex-direction:column}footer.site a{margin-left:0;margin-right:14px}}

.skip-link{position:absolute;left:-9999px;top:0;z-index:10000;background:#0c3a3e;color:#fff;padding:10px 16px;border-radius:0 0 8px 0;font-weight:600;text-decoration:none}
.skip-link:focus{left:0}