:root{
  --navy:#0B1B2B;--navy-2:#122A40;--ink:#101820;--mute:#5B6773;--line:#E4E7EB;
  --paper:#F6F4EF;--white:#FFFFFF;--gold:#D4A64A;--gold-2:#B88A2E;--mint:#2BC48A;--mint-2:#1E9E6E;
  --r:14px;--head:72px;--max:1180px;
  --logo:url("/assets/img/logo.png");
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"DM Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px}
h1,h2,h3,h4{font-family:"DM Serif Display",Georgia,serif;font-weight:400;line-height:1.12;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5.5vw,4.3rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
a{color:var(--navy-2)}
img{max-width:100%;height:auto;display:block}
section{scroll-margin-top:var(--head)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2);font-weight:700;margin-bottom:.8rem}
.lead{font-size:1.15rem;color:var(--mute);max-width:62ch}
.sr{position:absolute;left:-9999px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.9rem 1.5rem;border-radius:var(--r);font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:transform .15s,box-shadow .15s,background .15s;font-family:inherit;line-height:1.2}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(11,27,43,.18)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#E0B459}
.btn-navy{background:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-mint{background:var(--mint);color:var(--navy)}
.btn-sm{padding:.6rem 1rem;font-size:.9rem}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(11,27,43,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);color:#fff;height:var(--head);display:flex;align-items:center;border-bottom:1px solid rgba(255,255,255,.08)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;width:100%}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff;font-family:"DM Serif Display",Georgia,serif;font-size:1.35rem}
.brand .mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--gold),#F0CC7A);display:grid;place-items:center;color:var(--navy);font-weight:700;font-family:"DM Sans",sans-serif;font-size:1rem;letter-spacing:-.02em}
.brand small{display:block;font-family:"DM Sans",sans-serif;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);line-height:1}
.nav{display:flex;align-items:center;gap:.2rem}
.nav a{color:#fff;text-decoration:none;padding:.55rem .8rem;border-radius:10px;font-weight:500;font-size:.95rem;opacity:.9}
.nav a:hover,.nav a[aria-current=page]{background:rgba(255,255,255,.1);opacity:1}
.nav .dd{position:relative}
.nav .dd>a::after{content:"▾";font-size:.7em;margin-left:.3rem}
.nav .dd-menu{display:none;position:absolute;top:100%;left:0;background:#fff;color:var(--ink);min-width:240px;border-radius:12px;padding:.5rem;box-shadow:0 18px 40px rgba(0,0,0,.2);flex-direction:column}
.nav .dd:hover .dd-menu,.nav .dd:focus-within .dd-menu{display:flex}
.nav .dd-menu a{color:var(--ink);padding:.6rem .8rem}
.nav .dd-menu a:hover{background:var(--paper)}
.nav .lang{border:1px solid rgba(255,255,255,.35);margin-left:.4rem;font-size:.8rem;letter-spacing:.06em}
.nav .cta{margin-left:.5rem}
.burger{display:none;background:none;border:0;color:#fff;font-size:1.7rem;cursor:pointer;padding:.2rem .4rem}
@media (max-width:1024px){
  .burger{display:block}
  .nav{display:none;position:absolute;top:var(--head);left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:1rem 22px 1.4rem;gap:.1rem;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav.open{display:flex}
  .nav .dd-menu{display:flex;position:static;background:transparent;box-shadow:none;padding:0 0 0 .8rem}
  .nav .dd-menu a{color:#fff;opacity:.8}
  .nav .dd>a::after{content:""}
  .nav .cta,.nav .lang{margin:.6rem 0 0}
}

/* hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:5.5rem 0 4.5rem}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 500px at 85% -10%,rgba(212,166,74,.28),transparent 60%),
  radial-gradient(700px 500px at -10% 110%,rgba(43,196,138,.22),transparent 60%)}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse at 70% 40%,#000 20%,transparent 70%);-webkit-mask-image:radial-gradient(ellipse at 70% 40%,#000 20%,transparent 70%)}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
.hero h1{color:#fff;margin-bottom:1rem}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lead{color:rgba(255,255,255,.78)}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.6rem 0 1.2rem}
.hero-meta{display:flex;flex-wrap:wrap;gap:1.2rem;font-size:.9rem;color:rgba(255,255,255,.7)}
.hero-meta span::before{content:"✓";color:var(--mint);margin-right:.4rem;font-weight:700}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:1.6rem;backdrop-filter:blur(8px)}
.hero-card h3{color:#fff;margin-bottom:.3rem}
.hero-card p{color:rgba(255,255,255,.7);font-size:.95rem}
.persona{display:flex;align-items:center;gap:1rem;margin-bottom:1.2rem}
.avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(135deg,var(--gold),#F3D27F);display:grid;place-items:center;color:var(--navy);font-family:"DM Serif Display",serif;font-size:1.8rem;flex:none;box-shadow:0 0 0 4px rgba(212,166,74,.25)}
.avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%}
.persona strong{display:block;font-size:1.1rem;color:#fff}
.persona span{font-size:.85rem;color:var(--gold)}
.hero-inner{padding:4rem 0 3rem}
.hero-inner .wrap{display:block}
.hero-inner h1{max-width:18ch}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero{padding:3.5rem 0 3rem}}

/* breadcrumbs */
.crumbs{font-size:.85rem;color:rgba(255,255,255,.65);margin-bottom:1.2rem}
.crumbs a{color:rgba(255,255,255,.85);text-decoration:none}
.crumbs span{margin:0 .4rem}

/* sections */
.sec{padding:4.5rem 0}
.sec-alt{background:#fff}
.sec-navy{background:var(--navy);color:#fff}
.sec-navy h2,.sec-navy h3{color:#fff}
.sec-navy .lead{color:rgba(255,255,255,.75)}
.sec-head{max-width:720px;margin-bottom:2.4rem}
.grid{display:grid;gap:1.3rem}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1024px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g3,.g2,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.6rem;transition:transform .15s,box-shadow .15s;position:relative}
a.card{text-decoration:none;color:inherit;display:block}
a.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(11,27,43,.1);border-color:var(--gold)}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:1.3rem;margin-bottom:1rem}
.card h3{margin-bottom:.4rem}
.card p{color:var(--mute);font-size:.98rem;margin:0}
.card .more{display:inline-block;margin-top:.9rem;color:var(--gold-2);font-weight:700;font-size:.92rem}
.card-dark{background:var(--navy-2);border-color:rgba(255,255,255,.1);color:#fff}
.card-dark p{color:rgba(255,255,255,.75)}
.card-dark h3{color:#fff}
.stat{text-align:left}
.stat b{display:block;font-family:"DM Serif Display",serif;font-size:2.4rem;color:var(--gold);line-height:1}
.stat span{color:var(--mute);font-size:.92rem}
.steps{counter-reset:s;display:grid;gap:1.2rem;grid-template-columns:repeat(4,1fr)}
@media (max-width:1024px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border-radius:var(--r);padding:1.5rem;border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);font-family:"DM Serif Display",serif;font-size:2rem;color:var(--gold);display:block;margin-bottom:.4rem}
.step h3{font-size:1.15rem}
.step p{color:var(--mute);font-size:.95rem;margin:0}
.prose{max-width:760px}
.prose h2{margin-top:2.4rem}
.prose h3{margin-top:1.6rem}
.prose ul{padding-left:1.2rem}
.prose li{margin-bottom:.4rem}
.two-col{display:grid;grid-template-columns:1fr 360px;gap:3rem;align-items:start}
@media (max-width:1024px){.two-col{grid-template-columns:1fr}}
.aside{position:sticky;top:calc(var(--head) + 1rem);display:grid;gap:1rem}
.aside .card ul{list-style:none;padding:0;margin:.6rem 0 0}
.aside .card li{padding:.45rem 0;border-top:1px solid var(--line)}
.aside .card li a{text-decoration:none;font-weight:600}
.callout{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:var(--r);padding:1.6rem}
.callout h3{color:#fff}
.callout p{color:rgba(255,255,255,.78)}
.note{background:#FFF7E6;border-left:4px solid var(--gold);padding:1rem 1.2rem;border-radius:0 var(--r) var(--r) 0;font-size:.95rem}
.tbl{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.tbl th,.tbl td{padding:.8rem 1rem;text-align:left;border-bottom:1px solid var(--line)}
.tbl th{background:var(--navy);color:#fff;font-weight:600}
.tbl tr:last-child td{border-bottom:0}

/* FAQ */
.faq{max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:.7rem;padding:0 1.3rem}
.faq summary{cursor:pointer;font-weight:700;padding:1.1rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-2);font-size:1.5rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--mute);padding-bottom:1.1rem;margin:0}

/* socials / videos */
.socials{display:flex;flex-wrap:wrap;gap:.6rem}
.socials a{display:inline-flex;align-items:center;gap:.45rem;padding:.55rem .9rem;border-radius:999px;background:rgba(255,255,255,.08);color:#fff;text-decoration:none;font-size:.9rem;border:1px solid rgba(255,255,255,.15)}
.socials a:hover{background:rgba(255,255,255,.16)}
.video-card{display:flex;align-items:center;gap:1rem;text-decoration:none}
.video-card .play{width:56px;height:56px;border-radius:50%;background:var(--gold);display:grid;place-items:center;color:var(--navy);font-size:1.3rem;flex:none}

/* calculators */
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.8rem;box-shadow:0 20px 50px rgba(11,27,43,.07)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
@media (max-width:860px){.calc-grid{grid-template-columns:1fr}}
.field{margin-bottom:1rem}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:.9rem;margin-bottom:.35rem}
.field label output{color:var(--gold-2);font-weight:700}
.field input[type=number],.field input[type=text],.field input[type=email],.field input[type=tel],.field select,.field textarea{width:100%;padding:.75rem .9rem;border:1.5px solid var(--line);border-radius:var(--r);font:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(212,166,74,.25)}
.field input[type=range]{width:100%;accent-color:var(--gold-2)}
.field .pre{position:relative}
.field .pre input{padding-left:1.8rem}
.field .pre::before{content:attr(data-pre);position:absolute;left:.9rem;top:50%;transform:translateY(-50%);color:var(--mute);font-weight:600}
.field .suf{position:relative}
.field .suf::after{content:attr(data-suf);position:absolute;right:.9rem;top:50%;transform:translateY(-50%);color:var(--mute);font-weight:600}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media (max-width:520px){.f2{grid-template-columns:1fr}}
.result{background:var(--navy);color:#fff;border-radius:16px;padding:1.5rem}
.result .big{font-family:"DM Serif Display",serif;font-size:3rem;color:var(--gold);line-height:1;margin:.2rem 0 .3rem}
.result .sub{color:rgba(255,255,255,.7);font-size:.9rem}
.result dl{display:grid;grid-template-columns:1fr auto;gap:.45rem 1rem;margin:1.2rem 0 0;font-size:.95rem}
.result dt{color:rgba(255,255,255,.72)}
.result dd{margin:0;text-align:right;font-weight:700}
.result dd.tot{color:var(--gold)}
.bar{display:flex;height:12px;border-radius:999px;overflow:hidden;margin:1rem 0 .5rem;background:rgba(255,255,255,.12)}
.bar i{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:.4rem .9rem;font-size:.8rem;color:rgba(255,255,255,.75)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:.35rem;vertical-align:middle}
.c1{background:var(--gold)}.c2{background:var(--mint)}.c3{background:#6EA8FF}.c4{background:#FF8A65}.c5{background:#C77DFF}
.tabs{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.5rem}
.tabs button{padding:.65rem 1.1rem;border-radius:999px;border:1.5px solid var(--line);background:#fff;font:inherit;font-weight:600;cursor:pointer;color:var(--ink)}
.tabs button[aria-selected=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.tabpanel{display:none}.tabpanel.active{display:block}
.result-good{color:var(--mint)}.result-warn{color:#FFB86B}.result-bad{color:#FF8A80}
.disc{font-size:.8rem;color:var(--mute);margin-top:1rem}
.result .cta-row{margin-top:1.2rem;display:flex;gap:.6rem;flex-wrap:wrap}

/* form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.8rem}
.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chips label{padding:.5rem .9rem;border:1.5px solid var(--line);border-radius:999px;cursor:pointer;font-size:.9rem;font-weight:600}
.chips input{position:absolute;opacity:0}
.chips input:checked+span{color:var(--navy)}
.chips label:has(input:checked){background:var(--navy);color:#fff;border-color:var(--navy)}
.msg{display:none;padding:.9rem 1rem;border-radius:var(--r);margin-top:1rem;font-weight:600}
.msg.ok{display:block;background:#E6F8F0;color:var(--mint-2)}
.msg.err{display:block;background:#FDECEC;color:#B3261E}
.hp{position:absolute;left:-9999px;opacity:0;height:0}

/* cta band */
.band{background:linear-gradient(120deg,var(--gold),#E8C46E);color:var(--navy);padding:3.5rem 0}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.band h2{margin:0 0 .3rem}
.band p{margin:0;max-width:52ch}
.band .acts{display:flex;gap:.7rem;flex-wrap:wrap}

/* footer */
.site-foot{background:#07131F;color:rgba(255,255,255,.75);padding:3.5rem 0 2rem;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2.5rem}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}}
.site-foot h4{color:#fff;font-family:"DM Sans",sans-serif;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:.9rem}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin-bottom:.45rem}
.site-foot a{color:rgba(255,255,255,.8);text-decoration:none}
.site-foot a:hover{color:var(--gold)}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;font-size:.8rem;color:rgba(255,255,255,.5);line-height:1.6}
.legal .eho{display:inline-flex;align-items:center;gap:.5rem;margin-bottom:.6rem;color:rgba(255,255,255,.75)}
.legal .eho svg{width:26px;height:26px}
.legal .credit{margin-top:.8rem}
.legal .credit a{color:var(--gold)}
.sticky-cta{display:none}
@media (max-width:700px){
  .sticky-cta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:40;background:var(--navy);padding:.6rem 12px;gap:.6rem;border-top:1px solid rgba(255,255,255,.12)}
  .sticky-cta .btn{flex:1;justify-content:center;padding:.8rem}
  body{padding-bottom:68px}
}