:root{
  --bg:#FAF9F7; --white:#FFFFFF; --soft:#F5F1EA;
  --ink:#1F2937; --muted:#6B7280; --line:#E5E7EB;
  --orange:#F97316; --orange-h:#EA580C;
  --bronze:#B7793E; --gold:#D4A017; --gold-l:#E6C76B;
  --gold-grad:linear-gradient(135deg,#E6C76B 0%,#D4A017 45%,#B7793E 100%);
  --shadow:0 1px 2px rgba(31,41,55,.04),0 8px 24px -12px rgba(31,41,55,.10);
  --shadow-lg:0 30px 60px -30px rgba(31,41,55,.18);
  --r:16px; --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:'Manrope',system-ui,sans-serif;font-weight:400;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
::selection{background:rgba(249,115,22,.18);color:var(--ink)}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
h1,h2,h3{font-family:'Plus Jakarta Sans',sans-serif;color:var(--ink);line-height:1.15;letter-spacing:-.02em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- header ---------- */
header{position:fixed;top:0;left:0;right:0;z-index:60;transition:.3s;border-bottom:1px solid transparent}
header.scrolled{background:rgba(255,255,255,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:20px;height:72px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:40px;height:40px}
.brand .name{font-family:'Plus Jakarta Sans';font-weight:800;font-size:19px;letter-spacing:.04em}
.brand .name b{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.brand .tag{display:block;font-size:11px;color:var(--muted);letter-spacing:.06em;font-weight:500}
nav.links{display:flex;align-items:center;gap:26px;margin-left:auto}
nav.links a{font-size:15px;font-weight:600;color:var(--ink);position:relative}
nav.links a:not(.btn):hover{color:var(--orange)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;font-family:'Plus Jakarta Sans';font-weight:700;font-size:15px;padding:12px 22px;cursor:pointer;border:0;transition:.2s;white-space:nowrap}
.btn-orange{background:var(--orange);color:#fff;box-shadow:0 10px 22px -12px rgba(249,115,22,.7)}
.btn-orange:hover{background:var(--orange-h);transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--bronze);color:var(--bronze)}
.btn-gold{background:var(--gold-grad);color:#3a2c0c}
.btn-gold:hover{filter:brightness(1.04);transform:translateY(-1px)}
.cta-mobile{display:none}
.menu-tog{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px;padding:8px;margin-left:auto}
.menu-tog span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.3s}

/* ---------- hero ---------- */
.hero{position:relative;padding:120px 0 70px;overflow:hidden}
.hero::before{content:"";position:absolute;top:-180px;right:-160px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(214,160,23,.12),transparent 68%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:'Plus Jakarta Sans';font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--bronze);background:var(--soft);border:1px solid var(--line);padding:7px 14px;border-radius:50px;margin-bottom:22px}
.eyebrow svg{width:15px;height:15px}
h1{font-size:clamp(32px,4.6vw,52px);font-weight:800;margin-bottom:18px}
h1 em{font-style:normal;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:18px;color:var(--muted);max-width:560px;margin-bottom:28px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.cta-row .btn{padding:14px 26px;font-size:16px}
.trust-line{display:flex;gap:14px;flex-wrap:wrap}
.trust-line .pill{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ink)}
.trust-line .pill svg{width:18px;height:18px;color:var(--orange);flex:none}
/* hero portrait card */
.hero-card{position:relative}
.portrait-wrap{position:relative;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);background:var(--soft)}
.portrait-wrap img{width:100%;height:auto;display:block;aspect-ratio:4/4.6;object-fit:cover;object-position:center top}
.hero-emblem-bg{position:absolute;right:-30px;top:-30px;width:180px;opacity:.16;z-index:0;transform:rotate(8deg)}
.bm-float{position:absolute;left:-18px;bottom:24px;z-index:2;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:12px 16px;display:flex;align-items:center;gap:12px;max-width:230px}@media(max-width:760px){.bm-float{display:none}}.form-error{margin-bottom:16px;padding:12px 16px;border-radius:12px;background:rgba(220,38,38,.08);border:1px solid rgba(220,38,38,.4);color:#dc2626;font-size:13.5px;line-height:1.55;font-weight:500}.form-error[hidden]{display:none}.foot-social{display:inline-flex;align-items:center;gap:8px;margin-top:16px;color:var(--muted);text-decoration:none;font-size:14.5px;font-weight:600;transition:.2s}.foot-social:hover{color:var(--orange)}.foot-social svg{flex:none}.field input.invalid,.field select.invalid,.field textarea.invalid{border-color:#dc2626;box-shadow:0 0 0 3px rgba(220,38,38,.14)}.consent.invalid{color:#dc2626}.consent.invalid input{outline:2px solid #dc2626;outline-offset:1px}
.bm-float img{width:78px;height:auto}
.bm-float .bm-txt{font-size:12px;line-height:1.35;color:var(--muted)}
.bm-float .bm-txt b{display:block;color:var(--ink);font-family:'Plus Jakarta Sans';font-weight:700;font-size:13px}
.hero-mini{display:flex;gap:0;margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}
.hero-mini .m{flex:1;padding:16px 14px;display:flex;align-items:center;gap:11px;border-right:1px solid var(--line)}
.hero-mini .m:last-child{border-right:0}
.hero-mini .m svg{width:26px;height:26px;color:var(--bronze);flex:none}
.hero-mini .m b{display:block;font-family:'Plus Jakarta Sans';font-weight:800;font-size:15px}
.hero-mini .m span{font-size:12px;color:var(--muted)}

/* ---------- sections ---------- */
section{position:relative;z-index:2}
.sec{padding:74px 0}
.sec.alt{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 44px}
.rule{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:16px}
.rule .ln{height:1px;width:54px;background:linear-gradient(90deg,transparent,var(--bronze))}
.rule .ln.r{background:linear-gradient(90deg,var(--bronze),transparent)}
.rule .dot{width:8px;height:8px;transform:rotate(45deg);background:var(--gold-grad)}
.sec-head h2{font-size:clamp(26px,3.4vw,38px);font-weight:800;margin-bottom:12px}
.sec-head h2 .g{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.sec-head p{color:var(--muted);font-size:17px}

/* trust cards */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow);transition:.25s}
.tcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#f0d9a8}
.tcard .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:rgba(249,115,22,.08);margin-bottom:14px}
.tcard .ic svg{width:24px;height:24px;color:var(--orange)}
.tcard h3{font-size:18px;font-weight:700;margin-bottom:6px}
.tcard p{font-size:14.5px;color:var(--muted)}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.svc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 24px;box-shadow:var(--shadow);transition:.25s;position:relative;overflow:hidden}
.svc::before{content:"";position:absolute;top:0;left:0;width:100%;height:3px;background:var(--gold-grad);transform:scaleX(0);transform-origin:left;transition:.35s}
.svc:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.svc:hover::before{transform:scaleX(1)}
.svc .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;border:1px solid var(--line);background:var(--soft);margin-bottom:14px}
.svc .ic svg{width:24px;height:24px;color:var(--bronze);fill:none;stroke:currentColor;stroke-width:1.8}
.svc h3{font-size:18px;font-weight:700;margin-bottom:7px}
.svc p{font-size:14px;color:var(--muted);margin-bottom:14px}
.tagk{display:inline-block;font-size:12px;font-weight:700;color:var(--bronze);background:var(--soft);border:1px solid var(--line);padding:4px 11px;border-radius:50px}

/* corporate block */
.corp{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);overflow:hidden;display:grid;grid-template-columns:1fr 1fr}
.corp-l{padding:46px}
.corp-l .eyebrow{margin-bottom:16px}
.corp-l h2{font-size:clamp(24px,3vw,32px);font-weight:800;margin-bottom:14px}
.corp-l p{color:var(--muted);margin-bottom:22px}
.corp-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
.corp-list li{display:flex;align-items:flex-start;gap:9px;font-size:15px;font-weight:600}
.corp-list li svg{width:18px;height:18px;color:var(--orange);flex:none;margin-top:3px}
.corp-r{background:var(--gold-grad);padding:46px;display:flex;flex-direction:column;justify-content:center;color:#3a2c0c}
.corp-r h3{color:#3a2c0c;font-size:24px;font-weight:800;margin-bottom:10px}
.corp-r p{color:#5a4413;margin-bottom:22px;font-weight:500}
.corp-r .btn{background:#1F2937;color:#fff}
.corp-r .btn:hover{background:#000}

/* savings */
.save{text-align:center;max-width:780px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:22px;padding:50px 40px;box-shadow:var(--shadow-lg)}
.save .big{font-family:'Plus Jakarta Sans';font-weight:800;font-size:clamp(28px,4vw,44px);margin-bottom:14px}
.save .big .g{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.save p{color:var(--muted);font-size:17px;margin-bottom:26px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 20px;box-shadow:var(--shadow);text-align:center}
.step .n{font-family:'Plus Jakarta Sans';font-weight:800;font-size:34px;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;margin-bottom:8px}
.step h3{font-size:16px;font-weight:700;margin-bottom:6px}
.step p{font-size:13.5px;color:var(--muted)}

/* why-grid */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.why-item{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}
.why-item .dia{flex:none;width:40px;height:40px;border-radius:11px;background:var(--gold-grad);display:grid;place-items:center;color:#3a2c0c;font-weight:800}
.why-item h3{font-size:17px;font-weight:700;margin-bottom:4px}
.why-item p{font-size:14px;color:var(--muted)}

/* bank-vs */
.bankvs{display:grid;grid-template-columns:1fr 1fr;gap:18px;max-width:920px;margin:0 auto}
.bv{border-radius:var(--r);padding:30px;border:1px solid var(--line)}
.bv.bad{background:var(--soft)}
.bv.good{background:#fff;box-shadow:var(--shadow-lg);border-color:#f0d9a8}
.bv h3{font-size:19px;font-weight:800;margin-bottom:16px;display:flex;align-items:center;gap:9px}
.bv ul{list-style:none;display:grid;gap:11px}
.bv li{display:flex;gap:9px;font-size:15px;align-items:flex-start}
.bv li svg{width:18px;height:18px;flex:none;margin-top:3px}
.bv.bad li svg{color:var(--muted)}
.bv.good li svg{color:var(--orange)}

/* calculators */
.calc{background:var(--ink);border-radius:22px;padding:48px;color:#fff;text-align:center}
.calc h2{color:#fff;font-size:clamp(24px,3vw,32px);font-weight:800;margin-bottom:12px}
.calc p{color:#cbd2dc;margin-bottom:26px;max-width:620px;margin-left:auto;margin-right:auto}
.calc-btns{display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
.calc-btns .btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.2)}
.calc-btns .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}

/* about */
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:46px;align-items:center}
.about-photo{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg)}
.about-photo img{width:100%;aspect-ratio:4/4.4;object-fit:cover;object-position:center top}
.about-text .eyebrow{margin-bottom:16px}
.about-text h2{font-size:clamp(24px,3vw,34px);font-weight:800;margin-bottom:16px}
.about-text h2 .g{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.about-text p{color:var(--muted);margin-bottom:14px}
.about-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.about-badges span{font-size:13px;font-weight:700;color:var(--bronze);background:var(--soft);border:1px solid var(--line);padding:7px 14px;border-radius:50px}

/* results */
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.res{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px 26px;text-align:center;box-shadow:var(--shadow)}
.res .num{font-family:'Plus Jakarta Sans';font-weight:800;font-size:42px;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.res .lab{color:var(--muted);font-size:15px;margin-top:4px}

/* testimonials */
.test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.test{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.test .stars{color:var(--gold);font-size:16px;letter-spacing:2px;margin-bottom:12px}
.test p{font-size:15px;margin-bottom:16px}
.test .who{display:flex;align-items:center;gap:11px}
.test .av{width:40px;height:40px;border-radius:50%;background:var(--gold-grad);display:grid;place-items:center;color:#3a2c0c;font-weight:800;font-family:'Plus Jakarta Sans'}
.test .who b{display:block;font-size:14px;font-family:'Plus Jakarta Sans';font-weight:700}
.test .who span{font-size:12.5px;color:var(--muted)}

/* faq */
.faq-wrap{max-width:780px;margin:0 auto}
.faq{border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;background:#fff;transition:.25s}
.faq.open{box-shadow:var(--shadow);border-color:#f0d9a8}
.faq .q{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:18px 22px;cursor:pointer;font-family:'Plus Jakarta Sans';font-weight:700;font-size:16px}
.faq .q svg{width:20px;height:20px;color:var(--bronze);flex:none;transition:.3s}
.faq.open .q svg{transform:rotate(45deg)}
.faq .a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq .a p{padding:0 22px 20px;color:var(--muted);font-size:15px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:40px;align-items:start}
.contact-info h2{font-size:clamp(24px,3vw,34px);font-weight:800;margin-bottom:14px}
.contact-info>p{color:var(--muted);margin-bottom:26px}
.ci-row{display:flex;align-items:center;gap:14px;margin-bottom:18px}
.ci-row .ic{flex:none;width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:rgba(249,115,22,.08)}
.ci-row .ic svg{width:22px;height:22px;color:var(--orange)}
.ci-row b{display:block;font-family:'Plus Jakarta Sans';font-weight:700;font-size:16px}
.ci-row span{font-size:13px;color:var(--muted)}
.ci-bm{margin-top:24px;display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);max-width:330px}
.ci-bm img{width:90px}
.ci-bm span{font-size:12.5px;color:var(--muted)}
.ci-bm b{display:block;color:var(--ink);font-family:'Plus Jakarta Sans';font-weight:700;font-size:13px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px;box-shadow:var(--shadow-lg)}
.field{margin-bottom:16px}
.field label{display:block;font-size:13.5px;font-weight:700;margin-bottom:7px;font-family:'Plus Jakarta Sans'}
.field input,.field select,.field textarea{width:100%;background:var(--bg);border:1px solid var(--line);border-radius:11px;padding:13px 15px;font-family:inherit;font-size:15px;color:var(--ink);transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--orange);background:#fff;box-shadow:0 0 0 3px rgba(249,115,22,.12)}
.field textarea{min-height:96px;resize:vertical}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;align-items:flex-start;gap:10px;font-size:12.5px;color:var(--muted);margin-bottom:18px;line-height:1.5}
.consent input{width:18px;height:18px;flex:none;margin-top:2px;accent-color:var(--orange)}
.consent a{color:var(--bronze);text-decoration:underline}
.form-card .btn{width:100%;padding:15px}
.form-msg{display:none;text-align:center;padding:14px 0}
.form-msg.show{display:block}
.form-msg .chk{width:56px;height:56px;border-radius:50%;background:rgba(249,115,22,.1);border:1px solid var(--orange);display:grid;place-items:center;margin:0 auto 14px}
.form-msg .chk svg{width:26px;height:26px;color:var(--orange)}
.form-msg h3{font-size:20px;margin-bottom:6px}
.form-msg p{color:var(--muted)}

/* footer */
footer{background:var(--white);border-top:1px solid var(--line);padding:56px 0 30px;position:relative;z-index:2}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px;margin-bottom:36px}
.foot-brand .brand{margin-bottom:14px}
.foot-brand p{color:var(--muted);font-size:14px;max-width:330px;margin-bottom:16px}
.foot-bm{display:flex;align-items:center;gap:12px}
.foot-bm img{width:96px}
.foot-bm span{font-size:12px;color:var(--muted)}
.foot-col h4{font-family:'Plus Jakarta Sans';font-weight:700;font-size:14px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink);margin-bottom:14px}
.foot-col a{display:block;color:var(--muted);font-size:14.5px;margin-bottom:9px;transition:.2s}
.foot-col a:hover{color:var(--orange)}
.foot-bottom{border-top:1px solid var(--line);padding-top:22px;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;font-size:13px;color:var(--muted)}
.foot-bottom a{color:var(--muted)}
.foot-bottom a:hover{color:var(--orange)}

/* sticky mobile bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(31,41,55,.3);padding:8px}
.mbar .row{display:grid;grid-template-columns:1fr 1fr 1.4fr;gap:8px}
.mbar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;padding:9px 4px;border-radius:11px;font-size:12px;font-weight:700;font-family:'Plus Jakarta Sans'}
.mbar a svg{width:20px;height:20px}
.mbar .call{background:var(--soft);color:var(--ink)}
.mbar .mail{background:var(--soft);color:var(--ink)}
.mbar .cons{background:var(--orange);color:#fff;flex-direction:row;gap:7px}

/* floating desktop CTA */
.float-cta{position:fixed;right:24px;bottom:24px;z-index:55;display:inline-flex;align-items:center;gap:9px;background:var(--orange);color:#fff;padding:14px 20px;border-radius:50px;font-family:'Plus Jakarta Sans';font-weight:700;box-shadow:0 16px 30px -12px rgba(249,115,22,.6);transition:.2s}
.float-cta:hover{background:var(--orange-h);transform:translateY(-2px)}
.float-cta svg{width:20px;height:20px}

/* reveal */
.rv{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero-card{max-width:440px;margin:0 auto}
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .trust-grid,.why-grid,.res-grid,.test-grid{grid-template-columns:repeat(2,1fr)}
  .corp,.about-grid,.contact-grid,.bankvs{grid-template-columns:1fr}
  .corp-r{order:-1}
  .steps{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  nav.links{position:fixed;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;transform:translateY(-130%);transition:.3s;box-shadow:var(--shadow);z-index:59}
  nav.links.open{transform:none}
  nav.links a:not(.btn){padding:13px 24px;border-bottom:1px solid var(--line)}
  nav.links .btn{margin:10px 24px}
  .menu-tog{display:flex}
  .cta-desktop{display:none}
  .cta-mobile{display:inline-flex;margin-left:auto}
  .hero{padding:104px 0 40px}
  .hero-mini{flex-direction:column}
  .hero-mini .m{border-right:0;border-bottom:1px solid var(--line)}
  .hero-mini .m:last-child{border-bottom:0}
  .svc-grid,.trust-grid,.why-grid,.res-grid,.test-grid,.steps,.corp-list,.frow,.foot-grid{grid-template-columns:1fr}
  .corp-l,.corp-r,.calc,.save,.form-card{padding:30px 22px}
  body{padding-bottom:72px}
  .mbar{display:block}
  .float-cta{display:none}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}.rv{opacity:1;transform:none}}


html{background:#FAF9F7;color-scheme:only light}:root{color-scheme:only light}
.brand .brandimg{height:34px!important;width:auto!important;display:block;border-radius:0}
.brand .brandimg-v{height:62px!important;width:auto!important;display:block;border-radius:0}
.crumb{padding:96px 0 0}
.crumb .wrap{display:flex;align-items:center;gap:8px;font-size:13.5px;color:var(--muted);flex-wrap:wrap}
.crumb a{color:var(--bronze);font-weight:600}.crumb a:hover{color:var(--orange)}
.crumb span.sep{color:var(--line)}.crumb span.cur{color:var(--ink);font-weight:700}
/* HUB */
.hub-hero{padding:30px 0 10px;text-align:center}
.hub-hero .eyebrow{margin:0 auto 14px}
.hub-hero h1{font-family:'Plus Jakarta Sans',sans-serif;font-size:clamp(30px,5vw,46px);font-weight:800;letter-spacing:-.02em;margin:0 0 12px}
.hub-hero h1 .g{background:linear-gradient(135deg,var(--gold),var(--orange));-webkit-background-clip:text;background-clip:text;color:transparent}
.hub-hero p{max-width:620px;margin:0 auto;color:var(--muted);font-size:16.5px;line-height:1.6}
.art-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;max-width:920px;margin:36px auto 0}
.art-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);overflow:hidden;transition:.25s}
.art-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#f0d9a8}
.art-card .ac-top{padding:26px 26px 0;display:flex;align-items:center;gap:10px}
.art-card .ac-ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--soft);border:1px solid var(--line);flex:none}
.art-card .ac-ic svg{width:22px;height:22px;color:var(--bronze);fill:none;stroke:currentColor;stroke-width:1.8}
.art-card .ac-cat{font-size:12px;font-weight:700;color:var(--orange);text-transform:uppercase;letter-spacing:.04em}
.art-card .ac-body{padding:16px 26px 26px}
.art-card h2{font-family:'Plus Jakarta Sans',sans-serif;font-size:19px;font-weight:800;margin:0 0 8px;color:var(--ink)}
.art-card p{font-size:14.5px;color:var(--muted);line-height:1.6;margin:0 0 16px}
.art-card .ac-go{font-size:14px;font-weight:700;color:var(--bronze);display:inline-flex;align-items:center;gap:6px;margin-top:auto}
.art-card:hover .ac-go{color:var(--orange)}
/* ARTICLE */
.article{max-width:760px;margin:0 auto;padding:26px 24px 10px}
.article .a-cat{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;color:var(--orange);text-transform:uppercase;letter-spacing:.04em;margin-bottom:14px}
.article h1{font-family:'Plus Jakarta Sans',sans-serif;font-size:clamp(27px,4.2vw,38px);font-weight:800;letter-spacing:-.01em;line-height:1.18;margin:0 0 14px;color:var(--ink)}
.article .a-meta{display:flex;align-items:center;gap:14px;color:var(--muted);font-size:13.5px;margin-bottom:22px;flex-wrap:wrap}
.article .a-meta span{display:inline-flex;align-items:center;gap:6px}
.article .a-lead{font-size:18px;line-height:1.65;color:var(--ink);font-weight:500;margin:0 0 8px;padding:0 0 22px;border-bottom:1px solid var(--line)}
.article h2{font-family:'Plus Jakarta Sans',sans-serif;font-size:22px;font-weight:700;margin:34px 0 12px;color:var(--ink)}
.article p{color:var(--ink);line-height:1.74;margin:0 0 15px;font-size:16px}
.article ul{margin:0 0 18px;padding-left:4px;display:grid;gap:10px;list-style:none}
.article li{position:relative;padding-left:24px;line-height:1.6;font-size:15.5px;color:var(--ink)}
.article li::before{content:"";position:absolute;left:3px;top:9px;width:8px;height:8px;border-radius:2px;background:var(--orange)}
.article strong{font-weight:700;color:var(--ink)}
.article .keybox{background:#fff;border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:12px;padding:18px 22px;margin:0 0 18px;box-shadow:var(--shadow)}
.article .keybox h3{font-family:'Plus Jakarta Sans',sans-serif;font-size:15px;font-weight:800;margin:0 0 6px;color:var(--ink)}
.article .keybox p{font-size:14.5px;color:var(--muted);margin:0}
.disclaimer{max-width:760px;margin:26px auto 0;padding:16px 22px;background:var(--soft);border:1px solid var(--line);border-radius:12px;color:var(--muted);font-size:13.5px;line-height:1.6}
.art-cta{max-width:760px;margin:30px auto 0;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg);padding:32px 30px;text-align:center}
.art-cta h3{font-family:'Plus Jakarta Sans',sans-serif;font-size:22px;font-weight:800;margin:0 0 10px}
.art-cta p{color:var(--muted);margin:0 0 22px;font-size:15.5px}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;max-width:920px;margin:0 auto}
.rel{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:var(--shadow);transition:.25s}
.rel:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#f0d9a8}
.rel .rc{font-size:11.5px;font-weight:700;color:var(--orange);text-transform:uppercase;letter-spacing:.04em}
.rel b{font-family:'Plus Jakarta Sans',sans-serif;font-size:15px;font-weight:700;color:var(--ink)}
/* COOKIE BAR */
.cookiebar{position:fixed;left:16px;right:16px;bottom:16px;z-index:2000;max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:18px;box-shadow:var(--shadow-lg);padding:24px 28px;display:none;gap:18px;align-items:center;flex-wrap:wrap}
.cookiebar.show{display:flex}
.cookiebar p{margin:0;flex:1 1 380px;font-size:15px;color:var(--muted);line-height:1.6}.cookiebar .cb-title{display:block;font-family:'Plus Jakarta Sans';font-weight:800;font-size:16.5px;color:var(--ink);margin-bottom:5px;letter-spacing:-.01em}
.cookiebar p a{color:var(--bronze);font-weight:600;text-decoration:underline}
.cookiebar .cb-btns{display:flex;gap:10px;flex:0 0 auto}
.cookiebar .cb-btns .btn{padding:14px 28px;font-size:15.5px}
@media(max-width:680px){.art-grid{grid-template-columns:1fr}.rel-grid{grid-template-columns:1fr}}
@media(max-width:560px){.cookiebar{left:10px;right:10px;bottom:10px;padding:20px}.cookiebar .cb-btns{flex:1 1 100%}.cookiebar .cb-btns .btn{flex:1;justify-content:center}}