*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
  :root {
    --maroon: #7B2337; --maroon-dark: #5A1A29; --brass: #C4935A;
    --brass-on-light: #8A5A22; --bg: #FAF8F5; --white: #fff; --border: #ECE7E1;
    --text: #1A1A1A; --text-soft: #4A4A4A; --text-muted: #7A7A7A;
    --serif: 'Fraunces', Georgia, serif;
    --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  }
  html, body { overflow-x: hidden; max-width: 100vw; }
  body { font-family: var(--sans); background: var(--bg); color: var(--text); line-height: 1.6; }
  a { color: inherit; text-decoration: none; }
  .nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.92); backdrop-filter: blur(20px); border-bottom: 1px solid var(--border); padding: 0 24px; height: 64px; display: flex; align-items: center; justify-content: space-between; }
  .nav__logo { font-family: var(--serif); font-weight: 700; font-size: 18px; }
  .nav__cta { background: var(--maroon); color: #fff; padding: 8px 18px; border-radius: 8px; font-weight: 600; font-size: 13px; }
  .breadcrumbs { padding: 12px 24px; font-size: 12px; color: var(--text-muted); background: #fff; border-bottom: 1px solid var(--border); }
  .breadcrumbs a { color: var(--text-soft); }
  .breadcrumbs span { margin: 0 6px; }
  main { max-width: 820px; margin: 0 auto; padding: 48px 24px 96px; }
  .hoa-eyebrow { font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--brass-on-light); font-weight: 700; margin-bottom: 14px; }
  .hoa-h1 { font-family: var(--serif); font-size: clamp(30px, 4.5vw, 44px); font-weight: 700; letter-spacing: -0.02em; line-height: 1.1; margin-bottom: 18px; }
  .hoa-lede { font-size: clamp(15px, 1.4vw, 17px); line-height: 1.7; color: var(--text-soft); margin-bottom: 32px; max-width: 65ch; }
  h2 { font-family: var(--serif); font-size: clamp(22px, 3vw, 30px); font-weight: 700; letter-spacing: -0.015em; margin: 40px 0 14px; color: var(--maroon); }
  h3 { font-family: var(--sans); font-weight: 700; font-size: 18px; margin: 24px 0 10px; color: var(--text); }
  p, li { font-size: 15px; line-height: 1.7; color: var(--text-soft); }
  ul { padding-left: 24px; margin: 12px 0 24px; }
  li { margin-bottom: 8px; }
  .callout { background: #fff; border-left: 3px solid var(--brass); padding: 24px 28px; margin: 24px 0; border-radius: 0 10px 10px 0; }
  .callout p { margin-bottom: 0; }
  .callout__label { display: block; font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--brass-on-light); font-weight: 700; margin-bottom: 6px; }
  .cta { display: block; background: var(--maroon); color: #fff; text-align: center; padding: 22px; border-radius: 12px; font-weight: 700; font-size: 16px; margin: 40px 0; }
  .cta:hover { background: var(--maroon-dark); }
  .cta__sub { display: block; font-size: 12px; font-weight: 500; opacity: 0.85; margin-top: 6px; letter-spacing: 0.04em; }
  .footer { background: #0e0a0c; color: #999; padding: 40px 24px 24px; margin-top: 48px; text-align: center; font-size: 13px; }
  .footer a { color: #ccc; }