*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
    --navy:   #0C1A35;
    --accent: #C9A84C;
    --accent2: #E8C56A;
    --white:  #FFFFFF;
    --bg:     #F5F4F0;
    --text:   #111110;
    --mid:    #4B5563;
    --muted:  #9CA3AF;
    --border: #E5E7EB;
}
html { scroll-behavior: smooth; }
body { font-family: 'Inter', system-ui, sans-serif; -webkit-font-smoothing: antialiased; background: var(--bg); color: var(--text); }


/* ── HERO ── */
.hero {
    background: var(--navy);
    padding: 104px 64px 72px;
    position: relative; overflow: hidden;
}
.hero::after {
    content: '';
    position: absolute; bottom: 0; left: 0; right: 0; height: 1px;
    background: rgba(255,255,255,.06);
}
.hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    color: var(--accent); margin-bottom: 20px;
}
.hero h1 {
    font-size: clamp(30px, 5vw, 52px); font-weight: 800; letter-spacing: -.04em;
    color: #fff; line-height: 1.1; max-width: 720px; margin-bottom: 20px;
}
.hero h1 em { font-style: normal; color: var(--accent); }
.hero-sub {
    font-size: 17px; color: rgba(255,255,255,.55); max-width: 600px;
    line-height: 1.65; margin-bottom: 36px;
}
.hero-cta {
    display: inline-flex; align-items: center; gap: 10px;
    background: var(--accent); color: var(--navy);
    font-size: 14px; font-weight: 800; letter-spacing: -.01em;
    padding: 16px 32px; text-decoration: none;
    transition: background .15s, transform .15s;
}
.hero-cta:hover { background: var(--accent2); transform: translateY(-1px); }
.hero-cta svg { transition: transform .2s; }
.hero-cta:hover svg { transform: translateX(3px); }
.hero-trust {
    display: flex; align-items: center; gap: 24px;
    margin-top: 32px;
}
.hero-trust-item {
    display: flex; align-items: center; gap: 7px;
    font-size: 12px; color: rgba(255,255,255,.4); font-weight: 500;
}
.hero-trust-item i { color: var(--accent); font-size: 11px; }

/* ── STEPS ── */
.steps-section {
    padding: 72px 64px;
    background: var(--white);
    border-bottom: 1px solid var(--border);
}
.steps-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    color: var(--muted); margin-bottom: 12px;
}
.steps-title {
    font-size: 28px; font-weight: 800; letter-spacing: -.03em;
    color: var(--text); margin-bottom: 48px; max-width: 600px; line-height: 1.2;
}
.steps-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 0;
    position: relative;
}
.steps-grid::before {
    content: '';
    position: absolute; top: 28px; left: calc(33.33% - 0px); right: calc(33.33% - 0px);
    height: 2px; background: var(--border);
}
.step {
    padding: 0 32px 0 0;
    position: relative; z-index: 1;
}
.step:last-child { padding-right: 0; }
.step-num {
    width: 56px; height: 56px; border-radius: 0;
    background: var(--navy); color: #fff;
    font-size: 20px; font-weight: 900; letter-spacing: -.04em;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 20px; flex-shrink: 0;
}
.step:nth-child(1) .step-num { background: var(--navy); }
.step:nth-child(2) .step-num { background: var(--navy2, #142548); }
.step:nth-child(3) .step-num { background: var(--accent); color: var(--navy); }
.step h3 { font-size: 16px; font-weight: 800; letter-spacing: -.02em; margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--mid); line-height: 1.6; }

/* ── WHY ── */
.why-section {
    padding: 72px 64px;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
}
.why-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 48px 64px;
    max-width: 900px;
}
.why-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    color: var(--muted); margin-bottom: 12px;
}
.why-title {
    font-size: 28px; font-weight: 800; letter-spacing: -.03em;
    color: var(--text); margin-bottom: 48px; line-height: 1.2;
}
.why-item { display: flex; gap: 16px; align-items: flex-start; }
.why-icon {
    width: 40px; height: 40px; flex-shrink: 0;
    background: var(--white); border: 1px solid var(--border);
    display: flex; align-items: center; justify-content: center;
    font-size: 18px;
}
.why-text h4 { font-size: 14px; font-weight: 700; margin-bottom: 5px; }
.why-text p { font-size: 13px; color: var(--mid); line-height: 1.55; }

/* ── FOR WHO ── */
.forwhom-section {
    padding: 72px 64px;
    background: var(--white);
    border-bottom: 1px solid var(--border);
}
.forwhom-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    color: var(--muted); margin-bottom: 12px;
}
.forwhom-title {
    font-size: 28px; font-weight: 800; letter-spacing: -.03em;
    color: var(--text); margin-bottom: 40px; line-height: 1.2;
}
.forwhom-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.forwhom-card {
    border: 1px solid var(--border);
    padding: 24px; background: var(--bg);
}
.forwhom-card-icon { font-size: 24px; margin-bottom: 12px; display: block; }
.forwhom-card h3 { font-size: 14px; font-weight: 700; margin-bottom: 8px; }
.forwhom-card p { font-size: 13px; color: var(--mid); line-height: 1.55; }

/* ── FAQ ── */
.faq-section {
    padding: 72px 64px;
    background: var(--bg);
}
.faq-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    color: var(--muted); margin-bottom: 12px;
}
.faq-title {
    font-size: 28px; font-weight: 800; letter-spacing: -.03em;
    color: var(--text); margin-bottom: 40px; line-height: 1.2;
}
.faq-list { max-width: 760px; }
.faq-item {
    border-top: 1px solid var(--border);
}
.faq-item:last-child { border-bottom: 1px solid var(--border); }
.faq-q {
    display: flex; align-items: center; justify-content: space-between;
    padding: 18px 0; cursor: pointer;
    font-size: 14px; font-weight: 700; color: var(--text);
    gap: 12px; user-select: none;
    list-style: none;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q i { font-size: 11px; color: var(--muted); flex-shrink: 0; transition: transform .2s; }
details[open] .faq-q i { transform: rotate(180deg); }
.faq-a { padding: 0 0 18px; font-size: 13px; color: var(--mid); line-height: 1.65; }

/* ── BOTTOM CTA ── */
.bottom-cta {
    background: var(--navy); padding: 64px;
    display: flex; align-items: center; justify-content: space-between; gap: 32px;
}
.bottom-cta-text h2 {
    font-size: 28px; font-weight: 800; letter-spacing: -.03em; color: #fff;
    margin-bottom: 8px; line-height: 1.2;
}
.bottom-cta-text p { font-size: 14px; color: rgba(255,255,255,.5); line-height: 1.55; }
.bottom-cta-btn {
    display: inline-flex; align-items: center; gap: 10px; flex-shrink: 0;
    background: var(--accent); color: var(--navy);
    font-size: 13px; font-weight: 800; letter-spacing: -.01em;
    padding: 16px 32px; text-decoration: none;
    transition: background .15s;
}
.bottom-cta-btn:hover { background: var(--accent2); }


@media (max-width: 900px) {
    .steps-grid, .forwhom-grid { grid-template-columns: 1fr; }
    .steps-grid::before { display: none; }
    .why-grid { grid-template-columns: 1fr; gap: 28px; }
    .bottom-cta { flex-direction: column; text-align: center; }
}
@media (max-width: 768px) {
    .hero { padding: 88px 20px 52px; }
    .steps-section, .why-section, .forwhom-section, .faq-section { padding: 48px 20px; }
    .bottom-cta { padding: 48px 20px; }
}