:root{
  --ink:#0f1720; --ink-2:#3b4754; --muted:#6b7785; --line:#e3e7ec;
  --bg:#ffffff; --bg-2:#f4f6f8; --steel:#1d2a36; --accent:#e8a33d; --accent-ink:#1b1306;
  --radius:14px; --max:1180px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}

/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;letter-spacing:-.02em;font-size:19px}
.brand small{display:block;font-weight:500;font-size:11px;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;font-size:15px;color:var(--ink-2)}
.nav a:hover{color:var(--ink)}
.nav .menu{position:relative}
.nav .menu > button{background:none;border:0;font:inherit;font-size:15px;color:var(--ink-2);cursor:pointer;padding:0}
.nav .drop{display:none;position:absolute;top:28px;left:-16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px;min-width:250px;box-shadow:0 12px 30px rgba(15,23,32,.12)}
.nav .menu:hover .drop,.nav .menu:focus-within .drop{display:block}
.nav .drop a{display:block;padding:8px 12px;border-radius:8px}
.nav .drop a:hover{background:var(--bg-2)}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:var(--accent-ink);font-weight:700;text-decoration:none;padding:12px 20px;border-radius:999px;border:0;cursor:pointer;font-size:15px}
.btn:hover{filter:brightness(.96)}
.btn.ghost{background:transparent;border:1.5px solid currentColor;color:inherit}
.call{font-weight:700;text-decoration:none;white-space:nowrap}
@media (max-width:900px){.nav a:not(.btn),.nav .menu{display:none}}

/* hero */
.hero{background:var(--steel);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center;padding:72px 24px 64px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
h1{font-size:clamp(34px,4.6vw,56px);line-height:1.05;letter-spacing:-.03em;margin:12px 0 18px}
.hero p.lead{font-size:19px;color:#c9d3dc;max-width:560px;margin:0 0 28px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero .ctas .ghost{color:#fff}
.hero-art{border-radius:var(--radius);background:linear-gradient(180deg,#2a3b4b,#1a2632);padding:12px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;padding:48px 24px}}

.crumbs{font-size:14px;color:#9fb0bf;margin-bottom:6px}
.crumbs a{color:#c9d3dc}

/* sections */
section{padding:76px 0}
section.alt{background:var(--bg-2)}
h2{font-size:clamp(28px,3.2vw,40px);line-height:1.12;letter-spacing:-.025em;margin:0 0 14px}
h3{font-size:20px;letter-spacing:-.01em;margin:0 0 8px}
.sub{color:var(--ink-2);max-width:720px;margin:0 0 40px;font-size:18px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}.g2{grid-template-columns:1fr}}
@media (max-width:600px){.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card p{margin:0;color:var(--ink-2);font-size:16px}
.card .ic{width:42px;height:42px;border-radius:10px;background:#fdf1de;display:grid;place-items:center;margin-bottom:14px;color:#a46510}
a.card{text-decoration:none;transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(15,23,32,.08)}
a.card .more{display:inline-block;margin-top:14px;font-weight:700;font-size:15px;color:var(--ink)}

.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid rgba(255,255,255,.12);margin-top:44px}
.stats div{padding:22px 18px 0 0}
.stats b{display:block;white-space:nowrap;font-size:clamp(22px,2.4vw,30px);letter-spacing:-.02em;color:#fff}
.stats span{font-size:14px;color:#9fb0bf}
@media (max-width:700px){.stats{grid-template-columns:1fr 1fr}}

.steps{counter-reset:s}
.steps .card{position:relative;padding-top:58px}
.steps .card::before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;top:22px;left:26px;font-weight:800;color:var(--accent);font-size:15px;letter-spacing:.06em}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr}}
ul.checks{list-style:none;padding:0;margin:0}
ul.checks li{padding:10px 0 10px 34px;position:relative;border-bottom:1px solid var(--line);color:var(--ink-2)}
ul.checks li::before{content:"";position:absolute;left:4px;top:16px;width:16px;height:9px;border-left:3px solid var(--accent);border-bottom:3px solid var(--accent);transform:rotate(-45deg)}
ul.checks li b{color:var(--ink)}

.prose{max-width:780px}
.prose p{color:var(--ink-2)}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:22px;line-height:1;color:var(--muted)}
details[open] summary::after{content:"–"}
details p{margin:12px 0 0;color:var(--ink-2)}

/* quote */
.quote{background:var(--steel);color:#fff}
.quote .split{align-items:start}
.quote p{color:#c9d3dc}
form.q{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.q label{font-size:13px;font-weight:700;color:var(--ink-2);display:grid;gap:6px}
form.q .full{grid-column:1/-1}
form.q input,form.q select,form.q textarea{font:inherit;font-size:15px;padding:11px 12px;border:1px solid #cfd6dd;border-radius:10px;width:100%;background:#fff;color:var(--ink)}
form.q textarea{min-height:96px;resize:vertical}
form.q .note{font-size:13px;color:var(--muted);margin:0}
@media (max-width:600px){form.q{grid-template-columns:1fr}}

/* footer */
footer{background:#0b1218;color:#9fb0bf;padding:56px 0 30px;font-size:15px}
footer .grid{grid-template-columns:2fr 1fr 1fr}
footer h4{color:#fff;margin:0 0 12px;font-size:15px}
footer a{color:#c9d3dc;text-decoration:none;display:block;padding:3px 0}
footer a:hover{color:#fff}
footer .legal{border-top:1px solid #1e2a35;margin-top:36px;padding-top:20px;font-size:13px}
@media (max-width:700px){footer .grid{grid-template-columns:1fr}}
@media (max-width:600px){.brand small{display:none}.brand{font-size:17px}.top .btn{padding:9px 14px;font-size:14px}.nav .call{display:none}}