:root {
  /* Surfaces */
  --color-bg: #FAF9F5;
  --color-surface: #FFFFFF;
  --color-surface-low: #F4F4F0;
  --color-sage-box: #F7F6F0;

  /* Primary / Dark */
  --color-primary: #010202;
  --color-primary-container: #1A1D1E;
  --color-on-primary: #FFFFFF;

  /* Secondary / Teal */
  --color-secondary: #006A65;
  --color-secondary-container: #76F3EA;
  --color-secondary-fixed: #79F6ED;
  --color-tertiary-sage: #A8CFBA;

  /* Text */
  --color-text: #1B1C1A;
  --color-text-secondary: #444749;
  --color-text-tertiary: #747879;
  --color-on-primary-container: #828586;

  /* Borders */
  --color-border: rgba(26, 29, 30, 0.10);
  --color-outline: #C4C7C8;

  /* Status */
  --color-success: #10B981;
  --color-danger: #BA1A1A;
  --color-warning: #F59E0B;

  /* Calculator icon palette */
  --icon-credit-bg: #FEF2F2;     --icon-credit: #DC2626;
  --icon-snowball-bg: #F0FDFA;   --icon-snowball: #0D9488;
  --icon-dti-bg: #FFFBEB;        --icon-dti: #D97706;
  --icon-loan-bg: #EFF6FF;       --icon-loan: #2563EB;
  --icon-compound-bg: #FAF5FF;   --icon-compound: #9333EA;
  --icon-realestate-bg: #ECFDF5; --icon-realestate: #059669;

  /* Typography */
  --font-serif: 'Newsreader', Georgia, serif;
  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;

  --fs-display: 48px;
  --fs-h2: 32px;
  --fs-h3: 24px;
  --fs-body-lg: 18px;
  --fs-body: 16px;
  --fs-label: 12px;
  --fs-data: 14px;

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-pill: 9999px;

  /* Shadow */
  --shadow-card: 0 4px 20px rgba(26, 29, 30, 0.04);
  --shadow-card-hover: 0 8px 32px rgba(26, 29, 30, 0.08);

  /* Layout */
  --content-max: 1200px;
  --gutter: 24px;
  --section-gap: 80px;

  /* Spacing scale */
  --s-1: 4px;
  --s-2: 8px;
  --s-3: 12px;
  --s-4: 16px;
  --s-5: 24px;
  --s-6: 32px;
  --s-7: 48px;
  --s-8: 64px;
  --s-9: 80px;

  /* Ad slot pattern */
  --ad-pattern: repeating-linear-gradient(45deg, #EFEEEA, #EFEEEA 10px, #F4F4F0 10px, #F4F4F0 20px);
}