@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&display=swap');

:root{
  --bg:#f7f8fb;
  --surface:#ffffff;
  --surface-2:#f2f4f8;
  --text:#111827;
  --muted:#5f6878;
  --line:#e6e8ee;
  --gold:#b28a46;
  --gold-2:#947039;
  --gold-soft:#f6efe2;
  --ink:#172033;
  --shadow:0 18px 55px rgba(18,28,45,.09);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Montserrat',Arial,sans-serif;color:var(--text);background:radial-gradient(circle at 10% 0%,#fffaf0 0,transparent 24%),radial-gradient(circle at 100% 20%,#eef2f8 0,transparent 30%),var(--bg);line-height:1.65}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,textarea,select{font:inherit}
.container{width:min(1180px,calc(100% - 40px));margin:auto}
.section{padding:78px 0}
.section.alt{background:linear-gradient(180deg,rgba(255,255,255,.65),rgba(242,244,248,.8));border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border:1px solid #dfcfb3;background:rgba(255,255,255,.75);border-radius:999px;color:#74592e;font-weight:700;font-size:.76rem;letter-spacing:.09em;text-transform:uppercase}
.kicker:before{content:'';width:7px;height:7px;border-radius:50%;background:var(--gold)}
h1,h2,h3{line-height:1.14;letter-spacing:-.03em;margin:0;color:var(--ink)}
h1{font-size:clamp(2.5rem,6vw,4.75rem);font-weight:800;max-width:900px}
h2{font-size:clamp(2rem,4vw,3.15rem);font-weight:800}
h3{font-size:1.15rem;font-weight:750}
p{margin:0;color:var(--muted)}
.lead{font-size:clamp(1rem,2vw,1.18rem);max-width:760px}
.small{font-size:.88rem}
.muted{color:var(--muted)}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(230,232,238,.9)}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{width:260px;height:auto}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-link,.drop-btn{border:0;background:none;padding:11px 13px;border-radius:10px;color:#354052;font-weight:650;font-size:.92rem;cursor:pointer}
.nav-link:hover,.drop-btn:hover{background:#f6f1e8;color:#76592c}
.dropdown{position:relative}
.drop-btn:after{content:'⌄';margin-left:7px;font-size:.9rem}
.dropdown-menu{position:absolute;top:calc(100% + 9px);right:0;min-width:310px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:none}
.dropdown-menu a{display:block;padding:12px 13px;border-radius:12px}
.dropdown-menu a:hover{background:#f8f4ec}
.dropdown-menu strong{display:block;color:var(--ink);font-size:.9rem}
.dropdown-menu span{display:block;color:var(--muted);font-size:.78rem;margin-top:2px}
.nav-cta{padding:11px 17px;border-radius:12px;background:var(--gold);color:#fff;font-weight:750;font-size:.9rem;box-shadow:0 8px 22px rgba(178,138,70,.22)}
.nav-cta:hover{background:var(--gold-2)}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:11px;padding:9px 11px;font-size:1.25rem}

.hero{padding:92px 0 72px;position:relative;overflow:hidden}
.hero:after{content:'';position:absolute;width:520px;height:520px;border-radius:50%;border:1px solid rgba(178,138,70,.17);right:-190px;top:-170px;box-shadow:0 0 0 54px rgba(178,138,70,.035),0 0 0 110px rgba(178,138,70,.025)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center;position:relative;z-index:1}
.hero-copy{display:flex;flex-direction:column;gap:22px}
.hero-card{background:linear-gradient(145deg,#fff,#faf8f3);border:1px solid #e7dfd1;border-radius:28px;padding:28px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card:before{content:'';position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--gold),#d9c49c)}
.hero-card h3{font-size:1.45rem;margin-bottom:8px}
.hero-list{display:grid;gap:12px;margin-top:18px}
.hero-list div{display:flex;gap:12px;align-items:flex-start;padding:13px 0;border-top:1px solid var(--line)}
.hero-list div:first-child{border-top:0}
.icon-dot{width:28px;height:28px;border-radius:9px;background:var(--gold-soft);color:var(--gold-2);display:grid;place-items:center;flex:0 0 auto;font-weight:800}
.badges{display:flex;flex-wrap:wrap;gap:9px}
.badge{padding:8px 11px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:.79rem;font-weight:650;color:#465064}
.actions{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:13px 18px;border-radius:13px;font-weight:750;border:1px solid transparent;transition:.18s}
.btn.primary{background:var(--gold);color:white;box-shadow:0 10px 28px rgba(178,138,70,.2)}
.btn.primary:hover{background:var(--gold-2);transform:translateY(-1px)}
.btn.secondary{background:#fff;border-color:var(--line);color:var(--ink)}
.btn.secondary:hover{border-color:#c8b58f;background:#fbf8f2}

.section-head{display:flex;flex-direction:column;gap:14px;max-width:790px;margin-bottom:34px}
.grid{display:grid;gap:18px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.grid.three{grid-template-columns:repeat(3,1fr)}
.grid.four{grid-template-columns:repeat(4,1fr)}
.card{background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 8px 28px rgba(18,28,45,.04)}
.card h3{margin-bottom:8px}
.card p+ul,.card p+.list{margin-top:13px}
.card .number{width:42px;height:42px;border-radius:13px;background:var(--gold-soft);display:grid;place-items:center;color:#76592c;font-weight:800;margin-bottom:18px}
.card.highlight{border-color:#ddcba9;background:linear-gradient(145deg,#fff,#fbf7ef)}
.card.link-card{transition:.18s}
.card.link-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#dac49e}
.card .eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:#97723a;margin-bottom:8px}
.card .arrow{display:inline-block;margin-top:18px;color:#795d30;font-weight:750;font-size:.9rem}
.list{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.list li{position:relative;padding-left:22px;color:#535e70}
.list li:before{content:'✓';position:absolute;left:0;color:var(--gold-2);font-weight:900}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:28px}
.stat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:19px}
.stat b{display:block;font-size:1.65rem;color:var(--ink);line-height:1.1;margin-bottom:5px}
.stat span{font-size:.82rem;color:var(--muted)}
.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.process .card{position:relative;padding-top:74px}
.process .card:before{counter-increment:step;content:'0' counter(step);position:absolute;top:22px;left:24px;font-weight:800;font-size:1.15rem;color:#866631;background:var(--gold-soft);padding:7px 10px;border-radius:10px}
.callout{background:linear-gradient(125deg,#182132,#263248);border-radius:28px;padding:40px;color:white;display:flex;align-items:center;justify-content:space-between;gap:30px;box-shadow:var(--shadow)}
.callout h2,.callout h3{color:#fff}
.callout p{color:#d9dfeb;max-width:700px}
.callout .btn.secondary{background:transparent;border-color:#59657a;color:white}

.page-hero{padding:74px 0 52px}
.page-hero .hero-grid{align-items:end}
.page-hero h1{font-size:clamp(2.35rem,5vw,4.15rem)}
.page-summary{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.page-summary .label{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:#967039}
.page-summary ul{margin:12px 0 0;padding:0;list-style:none;display:grid;gap:9px}
.page-summary li{padding-bottom:9px;border-bottom:1px solid var(--line);color:#4f5b6d}
.page-summary li:last-child{border-bottom:0;padding-bottom:0}
.license-tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.license-tag{border:1px solid #dfcfb3;background:#fffaf2;color:#76592c;font-size:.78rem;font-weight:700;padding:7px 10px;border-radius:999px}
.note{padding:16px 18px;border-left:3px solid var(--gold);background:#faf7f1;border-radius:0 12px 12px 0;color:#5d6470;font-size:.9rem}
.faq{display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 18px}
.faq summary{cursor:pointer;padding:17px 4px;font-weight:700;color:var(--ink)}
.faq p{padding:0 4px 18px}

.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:26px}
.contact-card{display:grid;gap:14px}
.contact-item{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}
.contact-item b{display:block;color:var(--ink);margin-bottom:4px}
.form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.field{display:grid;gap:7px}
.field.full{grid-column:1/-1}
label{font-size:.82rem;font-weight:700;color:#344052}
input,textarea,select{width:100%;border:1px solid #dfe3ea;background:#fbfcfe;border-radius:12px;padding:12px 13px;outline:none;color:var(--ink)}
input:focus,textarea:focus,select:focus{border-color:#c9ae7d;box-shadow:0 0 0 3px rgba(178,138,70,.1)}
textarea{min-height:130px;resize:vertical}
.form-status{margin-top:12px;font-size:.86rem}

.site-footer{background:#111827;color:#cfd5df;padding:58px 0 26px;margin-top:70px}
.footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr;gap:42px}
.footer-brand img{width:260px;background:#fff;border-radius:8px;margin-bottom:18px}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:12px}
.site-footer p,.site-footer a{color:#b9c1ce;font-size:.86rem}
.site-footer a:hover{color:#fff}
.footer-links{display:grid;gap:8px}
.legal{border-top:1px solid #2c3546;margin-top:34px;padding-top:22px;font-size:.76rem;color:#9099a7}
.legal p{font-size:.76rem;color:#9099a7;margin-top:8px}

@media(max-width:980px){
 .hero-grid,.contact-grid{grid-template-columns:1fr}.grid.four,.process{grid-template-columns:repeat(2,1fr)}.grid.three{grid-template-columns:repeat(2,1fr)}.stat-grid{grid-template-columns:repeat(2,1fr)}
 .menu-toggle{display:block}.nav-links{display:none;position:absolute;left:20px;right:20px;top:70px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);align-items:stretch;flex-direction:column}.nav-links.open{display:flex}.nav-link,.drop-btn{text-align:left;width:100%}.dropdown{width:100%}.dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:4px 8px;display:none}.dropdown.open .dropdown-menu{display:block}.nav-cta{text-align:center}.brand img{width:220px}
 .footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}
}
@media(max-width:640px){
 .container{width:min(100% - 28px,1180px)}.section{padding:58px 0}.hero{padding:64px 0 50px}.grid.two,.grid.three,.grid.four,.process,.stat-grid,.form-grid{grid-template-columns:1fr}.callout{padding:28px;align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.brand img{width:205px}.nav{height:72px}.page-hero{padding:56px 0 36px}
}