:root{
  --bg:#0b0f17; --bg2:#10151f; --surface:#151b27; --line:#252d3c;
  --text:#ece8df; --muted:#a8a396; --gold:#c9a45c; --gold2:#e2c587; --ink:#0b0f17;
  --radius:14px; --wrap:1140px;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.65 var(--sans);overflow-x:hidden}
img,svg{max-width:100%}
a{color:var(--gold2);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--ink);padding:8px 12px;z-index:100}
.skip:focus{left:8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:.2px;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.6rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
:focus-visible{outline:2px solid var(--gold2);outline-offset:3px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(11,15,23,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;color:var(--text);font-family:var(--serif);font-size:1.45rem;font-weight:700;letter-spacing:.5px}
.logo:hover{text-decoration:none}
.menu{display:flex;align-items:center;gap:20px}
.menu a{color:var(--text);font-size:.92rem}
.menu a[aria-current]{color:var(--gold2)}
.menu-btn{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-btn span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;transition:.2s}
@media (max-width:980px){
  .menu-btn{display:block}
  .menu{position:fixed;inset:68px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;background:var(--bg2);border-bottom:1px solid var(--line);padding:8px 20px 20px;display:none;max-height:calc(100vh - 68px);overflow:auto}
  .menu.open{display:flex}
  .menu a{padding:12px 0;border-bottom:1px solid var(--line);font-size:1rem}
  .menu .btn{margin-top:14px;text-align:center;border-bottom:0}
}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:600;font-size:.95rem;border:1px solid transparent;cursor:pointer;line-height:1}
.btn:hover{text-decoration:none;filter:brightness(1.07)}
.btn .ico svg{width:18px;height:18px}
.btn-gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:var(--ink)}
.btn-ghost{border-color:var(--gold);color:var(--gold2)}
.btn-sm{padding:9px 16px;font-size:.85rem}

/* hero */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:14px 0 0;margin:0;font-size:.85rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px}
.crumbs a{color:var(--muted)}
.hero{padding:44px 0 36px;background:radial-gradient(900px 380px at 85% 0%,rgba(201,164,92,.16),transparent 70%)}
.hero-home{padding:90px 0 80px;background:
  radial-gradient(700px 400px at 80% 10%,rgba(201,164,92,.22),transparent 70%),
  radial-gradient(600px 300px at 10% 100%,rgba(70,110,170,.18),transparent 70%),
  linear-gradient(180deg,#0b0f17,#0e1420)}
.hero-home h1{max-width:820px;font-size:clamp(2.4rem,6vw,4.4rem)}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.78rem;color:var(--gold);font-weight:600;margin-bottom:12px}
.lead{max-width:760px;font-size:1.12rem;color:#d7d2c6}
.lead p:last-child{margin-bottom:0}
.updated{color:var(--muted);font-size:.88rem}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}

/* at a glance */
.glance dl{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:8px 0 0}
.glance dl>div{background:var(--surface);padding:16px 18px}
.glance dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-bottom:4px}
.glance dd{margin:0;font-weight:600;color:var(--text)}

/* sections */
.section{padding:48px 20px 8px}
.prose{padding-top:40px;max-width:820px}
.prose h2{margin-top:1.4em}
.prose h3{margin-top:1.2em;color:var(--gold2)}
.prose ul,.prose ol{padding-left:1.2em;margin:0 0 1.2em}
.prose li{margin:.35em 0}
.prose strong{color:#fff}
.callout{border:1px solid var(--line);border-left:3px solid var(--gold);background:var(--surface);border-radius:10px;padding:16px 18px;margin:1.4em 0}
.callout p:last-child{margin:0}
.steps{counter-reset:s;list-style:none;padding:0!important}
.steps li{counter-increment:s;position:relative;padding:0 0 0 52px;margin:0 0 18px!important}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;border:1px solid var(--gold);color:var(--gold2);display:grid;place-items:center;font-family:var(--serif);font-size:1.2rem}

/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin:12px 0}
table{width:100%;border-collapse:collapse;min-width:560px;font-size:.95rem}
caption{text-align:left;padding:14px 16px;color:var(--muted);font-size:.85rem;caption-side:top}
th,td{padding:12px 16px;text-align:left;border-top:1px solid var(--line);vertical-align:top}
thead th{background:var(--surface);color:var(--gold2);font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em}
tbody th{font-weight:600;color:var(--text)}
.note{font-size:.85rem;color:var(--muted)}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin-top:18px}
.card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;color:var(--text);transition:border-color .2s,transform .2s}
.card:hover{border-color:var(--gold);transform:translateY(-2px);text-decoration:none}
.card h3{margin:.6em 0 .3em}
.card p{color:var(--muted);font-size:.93rem;margin-bottom:.8em}
.card .from{color:var(--gold2);font-weight:600;font-size:.9rem}
.card .more{margin-top:auto;color:var(--gold);font-size:.88rem;font-weight:600}
.card-ico-old{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:12px;background:rgba(201,164,92,.12);color:var(--gold2)}

/* home blocks */
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;padding:40px 20px 0}
.trust div{border-top:1px solid var(--gold);padding-top:14px}
.trust h3{font-size:1.2rem;display:flex;align-items:center;gap:8px}
.trust .ico{color:var(--gold2)}
.trust p{color:var(--muted);font-size:.93rem}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;padding:14px 30px 14px 0;font-weight:600;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:10px;color:var(--gold);font-size:1.4rem}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 0 16px;color:#d4cfc3}
.faq details>div p:last-child{margin:0}

/* cta band */
.cta-band{margin-top:56px;padding:56px 0;background:linear-gradient(135deg,rgba(201,164,92,.16),rgba(201,164,92,.04));border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center}
.cta-band p{color:var(--muted);max-width:640px;margin:0 auto 22px}

/* form */
.form{display:grid;grid-template-columns:1fr 1fr;gap:14px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin-top:20px}
.form label{display:flex;flex-direction:column;gap:6px;font-size:.88rem;color:var(--muted)}
.form .full{grid-column:1/-1}
.form input,.form select,.form textarea{background:var(--bg);border:1px solid var(--line);border-radius:10px;color:var(--text);padding:12px;font:inherit;width:100%}
.form textarea{min-height:110px;resize:vertical}
.form .actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
@media (max-width:640px){.form{grid-template-columns:1fr}}

/* footer */
.site-footer{background:var(--bg2);border-top:1px solid var(--line);padding:56px 0 24px;margin-top:0;font-size:.92rem}
.fgrid{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:28px}
.site-footer h3{font-family:var(--sans);font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.45em 0}
.site-footer a{color:#cfcabe}
.fbrand p{color:var(--muted)}
.legal{border-top:1px solid var(--line);margin-top:36px;padding-top:18px;color:var(--muted);font-size:.82rem}
@media (max-width:900px){.fgrid{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}

.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;width:58px;height:58px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.45)}
.wa-float:hover{filter:brightness(1.08)}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* contact + trust additions */
.btn-link{color:var(--gold2);padding:13px 6px}
.btn .ico svg{width:18px;height:18px}
.cta-row.center{justify-content:center}
.tg-note{font-size:.88rem;margin-top:14px!important}
.assure{list-style:none;padding:0;margin:22px auto 6px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 22px;color:#d7d2c6;font-size:.9rem}
.assure li{display:flex;align-items:center;gap:6px}
.assure .ico{color:var(--gold2)}
.assure .ico svg{width:18px;height:18px}
.small{font-size:.88rem}
.wa-float.tg{background:#229ed9}
.wa-float.tg svg{width:28px;height:28px}
.pill-list{list-style:none;padding:0!important}
.pill-list li{display:flex;gap:10px;align-items:flex-start;margin:.6em 0!important}
.pill-list .ico{flex:none;color:var(--gold2);margin-top:2px}
.pill-list.bad .ico{color:#e0806b}
.pill-list .ico svg{width:20px;height:20px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:760px){.two{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px}
.panel h3{margin-top:0!important}

/* images (v3) */
.hero.has-img{position:relative;overflow:hidden;isolation:isolate;padding:72px 0 64px;min-height:440px;display:flex;align-items:center}
.hero-home.has-img{min-height:min(640px,82vh);padding:96px 0 88px}
.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-bg img{width:100%;height:100%;object-fit:cover;display:block}
.hero.has-img::before{content:"";position:absolute;inset:0;z-index:-1;background:
  linear-gradient(90deg,rgba(11,15,23,.94) 0%,rgba(11,15,23,.82) 40%,rgba(11,15,23,.45) 75%,rgba(11,15,23,.30) 100%),
  linear-gradient(0deg,var(--bg) 0%,rgba(11,15,23,0) 30%)}
@media (max-width:760px){.hero.has-img::before{background:linear-gradient(180deg,rgba(11,15,23,.70) 0%,rgba(11,15,23,.88) 55%,var(--bg) 100%)}}
.hero.has-img .wrap{width:100%}
.hero.has-img .lead{color:#e6e1d6}
.img-note{position:absolute;right:12px;top:10px;font-size:.7rem;color:rgba(236,232,223,.6);letter-spacing:.04em}
.card{padding:0;overflow:hidden}
.card>*:not(.card-media){margin-left:20px;margin-right:20px}
.card .more{margin-bottom:20px}
.card-media{aspect-ratio:16/10;overflow:hidden;background:var(--bg2);margin:0 0 4px}
.card-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}
.card:hover .card-media img{transform:scale(1.04)}
.card-media-icon{display:grid;place-items:center;background:radial-gradient(circle at 50% 40%,rgba(201,164,92,.18),var(--bg2) 70%)}
.card-ico{display:inline-grid;place-items:center;width:56px;height:56px;border-radius:14px;background:rgba(201,164,92,.12);color:var(--gold2)}
.card-ico svg{width:28px;height:28px}
.card h3{margin-top:14px}
@media (prefers-reduced-motion:reduce){.card:hover .card-media img{transform:none}}