:root{
  --gold:#c89b3c;
  --gold-soft:#e7cf82;
  --green:#2f8f3a;
  --green-deep:#1f6a2a;
  --ink:#141414;
  --text:#3a3a3a;
  --muted:#717171;
  --bg:#faf8f2;
  --bg-soft:#f4f7f1;
  --white:#ffffff;
  --border:#e9e3d7;
  --shadow:0 18px 40px rgba(0,0,0,.06);
  --radius:20px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--white);line-height:1.68;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
.container{width:min(calc(100% - 40px),var(--max));margin:0 auto}
.topbar{background:#111;color:#fff;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:14px;padding:10px 0;flex-wrap:wrap}
.topbar a{color:#fff}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:14px 0;position:relative}
.brand{display:flex;align-items:center;gap:14px;min-width:0}
.brand img{width:62px;border-radius:12px}
.brand-title{font-size:1.12rem;font-weight:800;color:var(--ink);letter-spacing:.01em}
.brand-sub{display:block;font-size:.9rem;color:var(--muted);font-weight:600}
.site-nav ul{display:flex;gap:18px;align-items:center;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.site-nav a{font-weight:700;color:var(--ink);font-size:.96rem}
.site-nav a:hover,.site-nav a.active{color:var(--green)}
.nav-cta{padding:12px 18px}
.menu-toggle{display:none;background:#fff;border:1px solid var(--border);border-radius:12px;padding:10px 12px;font-size:1.15rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:999px;padding:14px 22px;font-weight:800;border:2px solid transparent;transition:.2s ease;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(90deg,var(--gold),var(--gold-soft));color:#121212;box-shadow:var(--shadow)}
.btn-secondary{background:var(--green);color:#fff}
.btn-secondary:hover{background:var(--green-deep)}
.btn-outline{border-color:var(--gold);color:var(--ink);background:transparent}
.btn-outline:hover{background:#fbf6e8}
.hero{background:radial-gradient(circle at top left,#fbf7ea 0%,#f7f4ec 45%,#f2f6ef 100%);padding:82px 0 70px;border-bottom:1px solid var(--border)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border-radius:999px;background:#edf5ea;color:var(--green-deep);font-size:.88rem;font-weight:800;margin-bottom:18px}
h1,.page-hero h1{font-size:clamp(2.35rem,5vw,4.35rem);line-height:1.05;letter-spacing:-.03em;margin:0 0 14px;color:#111}
h2{font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.15;letter-spacing:-.02em;margin:0 0 12px;color:var(--ink)}
h3{font-size:1.2rem;line-height:1.25;margin:0 0 10px;color:var(--ink)}
.lead{font-size:1.1rem;color:#4b4b4b;max-width:850px;margin:0 0 26px}
.hero-card,.card,.panel,.stat,.check-item,.notice,.faq-item,.form-shell,.feature-card,.mini-card,.table-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 22px rgba(0,0,0,.04)
}
.hero-card{padding:26px}
.hero-card ul{margin:14px 0 0;padding-left:20px}
.hero-actions,.button-row{display:flex;gap:14px;flex-wrap:wrap}
.badge-row{display:flex;flex-wrap:wrap;gap:10px}
.badge{display:inline-flex;padding:8px 12px;border-radius:999px;background:#f5f7f0;color:#335b2d;font-size:.88rem;font-weight:700;border:1px solid #dce7d8}
.page-hero{padding:62px 0 34px;background:linear-gradient(180deg,#faf8f1 0%,#fff 100%);border-bottom:1px solid var(--border)}
.section{padding:68px 0}
.section-tight{padding:48px 0}
.section-alt{background:var(--bg)}
.section-soft{background:var(--bg-soft)}
.section-title{margin-bottom:10px}
.section-subtitle{max-width:760px;color:var(--muted);margin:0 0 26px}
.grid-2,.grid-3,.grid-4,.stats-grid,.loss-grid,.faq-grid,.contact-grid,.footer-grid,.link-grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4,.stats-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.loss-grid,.faq-grid,.contact-grid,.link-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.card,.panel,.form-shell,.feature-card,.mini-card,.notice,.faq-item,.table-card{padding:24px}
.card p,.panel p,.faq-item p,.mini-card p,.feature-card p{margin:0 0 14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.page-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.page-list a{
  display:flex;justify-content:space-between;gap:18px;align-items:center;
  padding:18px 20px;border:1px solid var(--border);border-radius:18px;background:#fff;
  box-shadow:0 6px 18px rgba(0,0,0,.03)
}
.page-list a span{display:block;color:var(--muted);font-size:.92rem;font-weight:500}
.check-list,.icon-list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.check-list li,.icon-list li{padding-left:0}
.stat{padding:22px;text-align:center}
.stat strong{display:block;font-size:1.65rem;line-height:1.1;color:var(--ink);margin-bottom:6px}
.notice{background:#fbf7ea}
.muted{color:var(--muted)}
.footer{background:#111;color:#f4f4f4;padding:46px 0 24px;margin-top:24px}
.footer a{color:#fff}
.footer-grid{grid-template-columns:1.2fr .9fr .9fr .9fr}
.footer h4{margin:0 0 10px;font-size:1rem}
.footer p,.footer li{color:#d8d8d8}
.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-bottom{margin-top:24px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);font-size:.92rem;color:#cecece}
.mobile-cta-bar{display:none}
.form-shell script{display:block}
hr.soft{border:none;border-top:1px solid var(--border);margin:28px 0}
@media (max-width: 1080px){
  .grid-4,.stats-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width: 920px){
  .hero-grid,.split,.grid-3,.grid-2,.loss-grid,.faq-grid,.contact-grid,.link-grid,.footer-grid{grid-template-columns:1fr}
  .site-nav{display:none;position:absolute;right:0;top:100%;background:#fff;border:1px solid var(--border);border-radius:18px;padding:14px;box-shadow:var(--shadow);width:min(360px,100%)}
  .site-nav.open{display:block}
  .site-nav ul{display:grid;gap:10px}
  .menu-toggle{display:block}
}
@media (max-width: 720px){
  .container{width:min(calc(100% - 28px),var(--max))}
  .hero{padding:66px 0 58px}
  .page-hero{padding:52px 0 24px}
  .section{padding:54px 0}
  .topbar .container{gap:8px}
  .brand img{width:54px}
  .brand-sub{display:none}
  .hero-actions,.button-row{flex-direction:column;align-items:stretch}
  .btn{width:100%}
  .mobile-cta-bar{
    position:fixed;left:0;right:0;bottom:0;display:flex;gap:10px;padding:12px 14px;background:rgba(255,255,255,.97);
    border-top:1px solid var(--border);z-index:1000;box-shadow:0 -8px 24px rgba(0,0,0,.08)
  }
  body{padding-bottom:78px}
}