=<svg viewBox="0 0 900 700" xmlns="http://www.w3.org/2000/svg">
  <!-- Background Container -->
  <rect width="900" height="700" fill="#F5F3EE" rx="24"/>
  
  <!-- Title -->
  <text x="450" y="50" font-size="26" font-weight="700" text-anchor="middle" fill="#2C2C2A">
    Complexion vs. Skin Tone vs. Undertone
  </text>
  
  <!-- Column 1: Complexion -->
  <g>
    <!-- Header background -->
    <rect x="48" y="90" width="240" height="50" fill="#E8E4DD" rx="8"/>
    
    <!-- Icon circle -->
    <circle cx="168" cy="125" r="20" fill="none" stroke="#C4A77D" stroke-width="2"/>
    <circle cx="160" cy="117" r="3" fill="#C4A77D"/>
    <circle cx="176" cy="117" r="3" fill="#C4A77D"/>
    <path d="M 160 133 Q 168 138 176 133" stroke="#C4A77D" stroke-width="2" fill="none"/>
    
    <!-- Header text -->
    <text x="48" y="75" font-size="12" font-weight="500" fill="#6B6B67" letter-spacing="1">
      COMPLEXION
    </text>
    
    <!-- Content -->
    <text x="48" y="180" font-size="14" font-weight="400" fill="#4A4A47">
      • Overall appearance
    </text>
    <text x="48" y="205" font-size="14" font-weight="400" fill="#4A4A47">
      • Tone + texture + clarity
    </text>
    <text x="48" y="230" font-size="14" font-weight="400" fill="#4A4A47">
      • Changes with age,
    </text>
    <text x="63" y="250" font-size="14" font-weight="400" fill="#4A4A47">
      sun, hormones
    </text>
    <text x="48" y="275" font-size="14" font-weight="400" fill="#4A4A47">
      • Determines skincare
    </text>
    <text x="63" y="295" font-size="14" font-weight="400" fill="#4A4A47">
      needs
    </text>
    
    <!-- Highlight box -->
    <rect x="48" y="320" width="240" height="60" fill="#F0EDE8" rx="8"/>
    <text x="60" y="340" font-size="12" font-weight="500" fill="#8B7355" letter-spacing="1">
      CHANGEABLE
    </text>
    <text x="60" y="365" font-size="13" font-weight="600" fill="#2C2C2A">
      You can improve it
    </text>
  </g>
  
  <!-- Vertical Divider 1 -->
  <line x1="330" y1="90" x2="330" y2="400" stroke="#D4D0C8" stroke-width="1"/>
  
  <!-- Column 2: Skin Tone -->
  <g>
    <!-- Header background -->
    <rect x="380" y="90" width="240" height="50" fill="#E8E4DD" rx="8"/>
    
    <!-- Icon square -->
    <rect x="448" y="105" width="40" height="40" fill="none" stroke="#C4A77D" stroke-width="2" rx="4"/>
    <rect x="456" y="113" width="8" height="8" fill="#C4A77D"/>
    <rect x="468" y="113" width="8" height="8" fill="#C4A77D"/>
    <rect x="456" y="125" width="8" height="8" fill="#C4A77D"/>
    <rect x="468" y="125" width="8" height="8" fill="#C4A77D"/>
    
    <!-- Header text -->
    <text x="380" y="75" font-size="12" font-weight="500" fill="#6B6B67" letter-spacing="1">
      SKIN TONE
    </text>
    
    <!-- Content -->
    <text x="380" y="180" font-size="14" font-weight="400" fill="#4A4A47">
      • Surface color
    </text>
    <text x="380" y="205" font-size="14" font-weight="400" fill="#4A4A47">
      • Amount of melanin
    </text>
    <text x="395" y="225" font-size="14" font-weight="400" fill="#4A4A47">
        in epidermis
    </text>
    <text x="380" y="250" font-size="14" font-weight="400" fill="#4A4A47">
      • Shifts seasonally
    </text>
    <text x="395" y="270" font-size="14" font-weight="400" fill="#4A4A47">
        with tanning
    </text>
    <text x="380" y="295" font-size="14" font-weight="400" fill="#4A4A47">
      • Determines
    </text>
    <text x="395" y="315" font-size="14" font-weight="400" fill="#4A4A47">
        foundation shade
    </text>
    
    <!-- Highlight box -->
    <rect x="380" y="320" width="240" height="60" fill="#F0EDE8" rx="8"/>
    <text x="392" y="340" font-size="12" font-weight="500" fill="#8B7355" letter-spacing="1">
      CHANGEABLE
    </text>
    <text x="392" y="365" font-size="13" font-weight="600" fill="#2C2C2A">
      Tanning changes it
    </text>
  </g>
  
  <!-- Vertical Divider 2 -->
  <line x1="662" y1="90" x2="662" y2="400" stroke="#D4D0C8" stroke-width="1"/>
  
  <!-- Column 3: Undertone -->
  <g>
    <!-- Header background -->
    <rect x="712" y="90" width="240" height="50" fill="#E8E4DD" rx="8"/>
    
    <!-- Icon triangle -->
    <polygon points="832,105 852,140 812,140" fill="none" stroke="#C4A77D" stroke-width="2"/>
    <circle cx="832" cy="120" r="2" fill="#C4A77D"/>
    
    <!-- Header text -->
    <text x="712" y="75" font-size="12" font-weight="500" fill="#6B6B67" letter-spacing="1">
      UNDERTONE
    </text>
    
    <!-- Content -->
    <text x="712" y="180" font-size="14" font-weight="400" fill="#4A4A47">
      • Hue beneath surface
    </text>
    <text x="712" y="205" font-size="14" font-weight="400" fill="#4A4A47">
      • Cool / warm / neutral
    </text>
    <text x="712" y="230" font-size="14" font-weight="400" fill="#4A4A47">
      • Never changes
    </text>
    <text x="727" y="250" font-size="14" font-weight="400" fill="#4A4A47">
        (biologically fixed)
    </text>
    <text x="712" y="275" font-size="14" font-weight="400" fill="#4A4A47">
      • Determines color
    </text>
    <text x="727" y="295" font-size="14" font-weight="400" fill="#4A4A47">
        flattery (jewelry,
    </text>
    <text x="727" y="315" font-size="14" font-weight="400" fill="#4A4A47">
        makeup)
    </text>
    
    <!-- Highlight box -->
    <rect x="712" y="320" width="240" height="60" fill="#FAF8F5" rx="8"/>
    <text x="724" y="340" font-size="12" font-weight="500" fill="#8B7355" letter-spacing="1">
      UNCHANGEABLE
    </text>
    <text x="724" y="365" font-size="13" font-weight="600" fill="#2C2C2A">
      Fixed for life
    </text>
  </g>
  
  <!-- Bottom Message Section -->
  <rect x="48" y="420" width="804" height="240" fill="#E8E4DD" rx="12"/>
  
  <text x="450" y="460" font-size="18" font-weight="600" text-anchor="middle" fill="#2C2C2A">
    The Full Picture
  </text>
  
  <text x="60" y="510" font-size="14" font-weight="400" fill="#4A4A47">
    You can change your tone.
  </text>
  
  <text x="60" y="540" font-size="14" font-weight="400" fill="#4A4A47">
    You cannot change your undertone.
  </text>
  
  <text x="60" y="570" font-size="14" font-weight="400" fill="#4A4A47">
    Your complexion is the sum of both — plus everything you do to your skin.
  </text>
  
  <!-- Visual representation -->
  <circle cx="80" cy="630" r="12" fill="#C4A77D" opacity="0.4"/>
  <text x="100" y="638" font-size="13" font-weight="400" fill="#2C2C2A">
    TONE
  </text>
  
  <circle cx="220" cy="630" r="12" fill="#8B7355" opacity="0.4"/>
  <text x="240" y="638" font-size="13" font-weight="400" fill="#2C2C2A">
    UNDERTONE
  </text>
  
  <circle cx="420" cy="630" r="12" fill="#C4A77D" opacity="0.6"/>
  <circle cx="420" cy="630" r="12" fill="none" stroke="#8B7355" stroke-width="2"/>
  <text x="440" y="638" font-size="13" font-weight="400" fill="#2C2C2A">
    COMPLEXION
  </text>
</svg>