:root {
  --bg: #0f1412;
  --bg-soft: #18201c;
  --card: #1f2a25;
  --text: #f4efe6;
  --muted: #c4b9a6;
  --accent: #e8c47a;
  --accent-2: #3cb89a;
  --line: rgba(244, 239, 230, 0.12);
  --shadow: 0 18px 40px rgba(0, 0, 0, 0.28);
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

body {
  font-family: "Segoe UI", "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;
  background:
    radial-gradient(1200px 500px at 10% -10%, rgba(60, 184, 154, 0.18), transparent 55%),
    radial-gradient(900px 420px at 90% 0%, rgba(232, 196, 122, 0.16), transparent 50%),
    var(--bg);
  color: var(--text);
  line-height: 1.65;
}

.hero,
main,
footer {
  width: min(1080px, calc(100% - 40px));
  margin-left: auto;
  margin-right: auto;
}

.hero {
  padding: 72px 0 36px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--accent-2);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.82rem;
  font-weight: 700;
}

h1 {
  margin: 0;
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  letter-spacing: -0.03em;
}

h1 span {
  color: var(--accent);
  font-size: 0.52em;
  font-weight: 600;
}

.lead {
  max-width: 640px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.05rem;
}

h2 {
  margin: 0 0 18px;
  font-size: 1.45rem;
}

.tips,
.rates {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 28px;
  margin-bottom: 24px;
  box-shadow: var(--shadow);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 16px;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 18px 18px 16px;
}

.card h3 {
  margin: 0 0 8px;
  font-size: 1.05rem;
  color: var(--accent);
}

.card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.note {
  margin: -4px 0 18px;
  color: var(--muted);
}

.table-wrap {
  overflow-x: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
}

th,
td {
  text-align: left;
  padding: 12px 10px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

th {
  color: var(--accent-2);
  font-size: 0.9rem;
  font-weight: 700;
}

td {
  color: var(--muted);
}

tbody tr:hover {
  background: rgba(60, 184, 154, 0.08);
}

.rate-tips {
  margin: 18px 0 0;
  padding-left: 18px;
  color: var(--muted);
}

footer {
  padding: 8px 0 48px;
  color: var(--muted);
  font-size: 0.9rem;
}

@media (max-width: 640px) {
  .hero {
    padding-top: 48px;
  }

  .tips,
  .rates {
    padding: 20px;
  }
}