:root {
  --navy: #0f2a44;
  --navy-2: #173a5c;
  --gold: #c8963e;
  --gold-dark: #a87a2c;
  --ink: #1d2733;
  --muted: #5a6776;
  --line: #dfe4ea;
  --bg: #ffffff;
  --soft: #f5f7fa;
  --ok: #1f7a4d;
  --err: #b42318;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(15, 42, 68, 0.10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}
h1, h2, h3 { font-family: "Merriweather", Georgia, serif; color: var(--navy); line-height: 1.25; margin: 0 0 .6em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
a { color: var(--navy-2); }
img { max-width: 100%; }

.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }
.section { padding: 72px 0; }
.section.soft { background: var(--soft); }
.eyebrow { color: var(--gold-dark); font-weight: 700; letter-spacing: .12em; text-transform: uppercase; font-size: .8rem; margin-bottom: .6em; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 680px; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }

/* header */
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(6px); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-family: "Merriweather", Georgia, serif; font-weight: 700; font-size: 1.1rem; }
.brand-mark { width: 36px; height: 36px; border-radius: 8px; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: .95rem; letter-spacing: .02em; }
.brand small { display: block; font-family: "Inter", sans-serif; font-weight: 500; font-size: .68rem; letter-spacing: .14em; color: var(--muted); text-transform: uppercase; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: .95rem; }
.nav a:hover { color: var(--gold-dark); }
@media (max-width: 760px) { .nav a:not(.btn) { display: none; } }

/* buttons */
.btn { display: inline-block; background: var(--gold); color: #fff !important; text-decoration: none; font-weight: 700; padding: 13px 24px; border-radius: 8px; border: 0; cursor: pointer; font-size: 1rem; transition: background .15s; }
.btn:hover { background: var(--gold-dark); }
.btn.small { padding: 9px 16px; font-size: .9rem; }
.btn.ghost { background: transparent; color: var(--navy) !important; border: 2px solid var(--navy); }
.btn.ghost:hover { background: var(--navy); color: #fff !important; }
.btn[disabled] { opacity: .6; cursor: wait; }

/* hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 84px 0 92px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; border: 60px solid rgba(200,150,62,.10); }
.hero .wrap { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; position: relative; z-index: 1; }
.hero h1 { color: #fff; }
.hero .lead { color: #d5dee8; }
.hero-points { list-style: none; padding: 0; margin: 24px 0 30px; display: grid; gap: 10px; }
.hero-points li { padding-left: 30px; position: relative; }
.hero-points li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--gold); font-weight: 700; }
.hero-card { background: #fff; color: var(--ink); border-radius: 14px; padding: 28px; box-shadow: var(--shadow); }
.hero-card h3 { margin-bottom: .3em; }
.hero-card p { color: var(--muted); font-size: .95rem; }
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 18px 0 22px; text-align: center; }
.stat { background: var(--soft); border-radius: 8px; padding: 12px 6px; }
.stat b { display: block; font-family: "Merriweather", serif; color: var(--navy); font-size: 1.35rem; }
.stat span { font-size: .75rem; color: var(--muted); }
@media (max-width: 860px) { .hero .wrap { grid-template-columns: 1fr; } }

/* cards / grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px; align-items: start; }
@media (max-width: 860px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.step-num { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-weight: 700; margin-bottom: 14px; }
.icon { font-size: 1.6rem; margin-bottom: 8px; }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.checklist li { padding-left: 28px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 700; }

.compare { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); }
.compare th, .compare td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--line); font-size: .95rem; }
.compare th { background: var(--navy); color: #fff; font-weight: 600; }
.compare td:nth-child(2) { color: var(--ok); font-weight: 600; }
.table-scroll { overflow-x: auto; }

.goal { border-left: 4px solid var(--gold); padding: 4px 0 4px 18px; margin-bottom: 18px; }
.goal h3 { margin-bottom: .2em; }
.goal p { color: var(--muted); margin: 0; }

/* faq */
details { border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; background: #fff; margin-bottom: 12px; }
details summary { cursor: pointer; font-weight: 600; color: var(--navy); }
details p { margin: 12px 0 0; color: var(--muted); }

/* form */
.form-shell { background: #fff; border-radius: 14px; box-shadow: var(--shadow); padding: 34px; border: 1px solid var(--line); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px 18px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .form-shell { padding: 22px; } }
fieldset { border: 0; padding: 0; margin: 0 0 26px; }
legend { font-family: "Merriweather", serif; color: var(--navy); font-weight: 700; font-size: 1.1rem; margin-bottom: 12px; padding: 0; }
label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; }
label .opt { font-weight: 400; color: var(--muted); }
input, select, textarea { width: 100%; padding: 12px 14px; border: 1px solid #c9d1da; border-radius: 8px; font: inherit; font-size: 1rem; background: #fff; color: var(--ink); }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
textarea { min-height: 96px; resize: vertical; }
.hint { font-size: .82rem; color: var(--muted); margin-top: 5px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips label { display: inline-flex; align-items: center; gap: 7px; font-weight: 500; border: 1px solid var(--line); border-radius: 999px; padding: 7px 13px; cursor: pointer; margin: 0; }
.chips input { width: auto; margin: 0; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: .86rem; color: var(--muted); }
.consent input { width: auto; margin-top: 4px; flex: none; }
.price-box { background: #fbf6ec; border: 1px solid #ecdcbc; border-radius: 10px; padding: 18px; }
.form-msg { margin-top: 16px; padding: 14px 16px; border-radius: 8px; display: none; }
.form-msg.err { display: block; background: #fdecea; color: var(--err); }
.hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }

/* cta band */
.cta-band { background: var(--navy); color: #fff; padding: 56px 0; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d5dee8; }

/* footer */
.site-footer { background: #0b1f33; color: #b9c5d2; padding: 44px 0 30px; font-size: .9rem; }
.site-footer a { color: #e3c38a; }
.site-footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 30px; margin-bottom: 26px; }
@media (max-width: 760px) { .site-footer .cols { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; margin: 0 0 10px; font-size: .95rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
.disclaimer { border-top: 1px solid #1d3550; padding-top: 18px; font-size: .78rem; color: #8b9aab; }

/* plain pages */
.doc { max-width: 780px; }
.doc h2 { font-size: 1.35rem; margin-top: 1.6em; }
.thanks-box { max-width: 640px; margin: 0 auto; text-align: center; }
.thanks-box .big-check { width: 74px; height: 74px; border-radius: 50%; background: var(--ok); color: #fff; display: grid; place-items: center; font-size: 2rem; margin: 0 auto 20px; }
.ref { display: inline-block; background: var(--soft); border: 1px dashed var(--line); padding: 6px 14px; border-radius: 6px; font-family: ui-monospace, Consolas, monospace; }

@media (max-width: 480px) {
  .brand { font-size: .95rem; gap: 8px; }
  .brand small { display: none; }
  .brand-mark { width: 32px; height: 32px; font-size: .8rem; }
  .nav .btn.small { white-space: nowrap; padding: 8px 12px; font-size: .85rem; }
  .section { padding: 54px 0; }
  .compare th, .compare td { padding: 10px; font-size: .85rem; }
}

/* instant offer page */
[hidden] { display: none !important; }
.spinner { width: 64px; height: 64px; margin: 10px auto 24px; border-radius: 50%; border: 6px solid var(--line); border-top-color: var(--gold); animation: spin 0.9s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .spinner { animation-duration: 3s; } }
.offer-amount { font-family: "Merriweather", Georgia, serif; font-size: clamp(2.8rem, 9vw, 4.4rem); color: var(--navy); font-weight: 700; line-height: 1.1; margin: 6px 0 4px; }
.offer-for { color: var(--muted); margin-bottom: 20px; }
.offer-points { list-style: none; padding: 0; margin: 0 auto 26px; display: inline-grid; gap: 8px; text-align: left; }
.offer-points li { padding-left: 28px; position: relative; }
.offer-points li::before { content: "✓"; position: absolute; left: 0; color: var(--ok); font-weight: 700; }
.offer-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 18px; }
.offer-actions .btn { min-width: 220px; }
.offer-fine { max-width: 560px; margin: 0 auto; font-size: .82rem; }
#contact-form .chips label { font-size: .95rem; }