:root{--ink:#111;--muted:#555;--gold:#c8a26a;--gold-d:#8a6a2f;--bg:#fff;--alt:#f6f2ea;--line:#e5dfd2;--wrap:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}
a{color:var(--gold-d)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.site-header{position:sticky;top:0;background:#fff;border-bottom:3px solid var(--gold);z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px;flex-wrap:wrap}
.brand img{display:block}
nav{display:flex;gap:4px;flex-wrap:wrap}
nav a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:6px;font-weight:600;font-size:15px}
nav a:hover{background:var(--alt)}
nav a[aria-current]{box-shadow:inset 0 -3px var(--gold)}
.menu-btn{display:none;background:var(--ink);color:#fff;border:0;border-radius:6px;padding:9px 14px;font:inherit;font-weight:600}
h1,h2,h3{line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.2rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3vw,2rem)}
h3{font-size:1.15rem}
.hero{background:var(--ink);color:#fff;padding:84px 0 72px;background-image:linear-gradient(135deg,#111 60%,#2a2216)}
.hero.small{padding:56px 0 48px}
.hero h1{max-width:20ch}
.hero.small h1{max-width:26ch}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;margin:0 0 14px}
.lead{font-size:1.2rem;max-width:62ch;color:#ddd}
.btn{display:inline-block;background:var(--gold);color:#111;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:6px;border:0;font:inherit;font-weight:700;cursor:pointer;margin:6px 8px 0 0}
.btn:hover{background:#d8b57e}
.btn.ghost{background:transparent;color:#fff;border:2px solid var(--gold)}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--gold-d);outline-offset:2px}
.stats{background:var(--alt);border-bottom:1px solid var(--line)}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:28px 20px;text-align:center}
.grid4 b{display:block;font-size:1.9rem;color:var(--gold-d)}.grid4 span{color:var(--muted);font-size:.95rem}
.block{padding:64px 0}.block.alt{background:var(--alt)}
.intro{max-width:60ch;color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:24px}
.card p{color:var(--muted);margin:.3em 0 1em}.card a{font-weight:600}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.ticks{padding-left:0;list-style:none}.ticks li{padding-left:28px;position:relative;margin:.5em 0}
.ticks li:before{content:"";position:absolute;left:4px;top:.55em;width:12px;height:7px;border-left:3px solid var(--gold-d);border-bottom:3px solid var(--gold-d);transform:rotate(-45deg)}
.note{background:#fff8e6;border-left:4px solid var(--gold);padding:8px 12px;font-size:.9rem;color:var(--muted)}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps li{counter-increment:s;border-left:4px solid var(--gold);padding:4px 0 4px 18px}
.steps li:before{content:counter(s,decimal-leading-zero);display:block;color:var(--gold-d);font-weight:700}
.steps b{display:block;font-size:1.15rem}.steps span{color:var(--muted)}
.wbal{display:grid;grid-template-columns:1.1fr 1.2fr 1.4fr 1.2fr;gap:6px;font-size:.82rem;font-weight:600;text-align:center}
.wbal>div{display:grid;gap:6px}
.wbal .c0{background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;padding:10px;border-radius:6px}
.wbal .g,.wbal .r{padding:10px 6px;border-radius:6px;display:flex;align-items:center;justify-content:center}
.wbal .g{background:#e9efe0;color:#2e4a14}.wbal .r{background:#f5e1d8;color:#7a2f12}
.cta{background:var(--ink);color:#fff;text-align:center;padding:56px 0}.cta p{color:#ddd}
.form{display:grid;gap:14px}.form label{font-weight:600;display:grid;gap:6px}
.form input,.form textarea{font:inherit;padding:11px;border:1px solid #bbb;border-radius:6px;width:100%}
.site-footer{background:#0b0b0b;color:#ccc;padding:40px 0 0;font-size:.95rem}
.site-footer a{color:var(--gold)}.site-footer strong{color:#fff}
.foot{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.legal{border-top:1px solid #2a2a2a;margin-top:28px;padding-top:16px;padding-bottom:20px;font-size:.85rem;color:#888}
@media(max-width:820px){
 .grid3,.split,.steps,.foot{grid-template-columns:1fr}.grid4{grid-template-columns:repeat(2,1fr)}
 .menu-btn{display:block}nav{display:none;width:100%;flex-direction:column;padding-bottom:10px}nav.open{display:flex}
 .hero{padding:56px 0 48px}.block{padding:44px 0}
}
.wbal>div{grid-template-rows:repeat(4,minmax(44px,1fr))}
.wbal .c0{grid-row:1/-1}
.wbal .c1 .g{grid-row:1/3}.wbal .c1 .r{grid-row:3/5}
.wbal .c3 .g{grid-row:1/2}.wbal .c3 .r{grid-row:2/5}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.msg{padding:12px 16px;border-radius:6px;font-weight:600;margin:0 0 16px}
.msg.ok{background:#e9efe0;color:#2e4a14}.msg.bad{background:#f5e1d8;color:#7a2f12}
.prose{max-width:760px}.prose h2{margin-top:1.6em;font-size:1.35rem}
.legal a{color:var(--gold)}