:root{--gold:#f5c830;--gold-d:#d9a90f;--ink:#111;--ink2:#1b1b1b;--text:#2b2b2b;--muted:#6b6b6b;--line:#e8e4d8;--bg:#faf8f2}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:inherit}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--gold);color:var(--ink);font-weight:700;text-decoration:none;padding:14px 26px;border-radius:8px;border:0;cursor:pointer;font-size:1rem;transition:background .2s}
.btn:hover{background:var(--gold-d)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
header{position:sticky;top:0;z-index:50;background:rgba(17,17,17,.96);backdrop-filter:blur(6px);border-bottom:1px solid #222}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700}
.brand img{height:40px;width:auto}
.nav-links{display:flex;gap:26px;list-style:none;align-items:center}
.nav-links a{color:#ddd;text-decoration:none;font-size:.95rem}
.nav-links a:hover{color:var(--gold)}
.nav-cta{padding:10px 18px;font-size:.9rem}
.hero{background:radial-gradient(1200px 500px at 80% -10%,#3a2f08 0%,transparent 60%),var(--ink);color:#fff;padding:90px 0 80px}
.eyebrow{display:inline-block;color:var(--gold);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem;margin-bottom:14px}
.hero h1{font-size:clamp(2rem,4.6vw,3.4rem);line-height:1.12;max-width:820px;letter-spacing:-.01em}
.hero h1 span{color:var(--gold)}
.hero p{color:#cfcfcf;font-size:1.15rem;max-width:640px;margin:20px 0 32px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.trust{background:var(--ink2);color:#e9e9e9;border-top:1px solid #2a2a2a}
.trust ul{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;padding:18px 20px;font-size:.9rem}
.trust li{display:flex;align-items:center;gap:8px}
.trust li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold)}
.trust a{text-decoration:none;color:var(--gold);font-weight:600}
.trust a:hover{text-decoration:underline}
section{padding:80px 0}
.alt{background:var(--bg)}
.head{max-width:680px;margin-bottom:44px}
.head h2{font-size:clamp(1.6rem,3vw,2.3rem);line-height:1.2;color:var(--ink)}
.head p{color:var(--muted);margin-top:12px;font-size:1.05rem}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px}
.card h3{font-size:1.12rem;color:var(--ink);margin-bottom:8px}
.card p,.card li{color:#555;font-size:.97rem}
.card ul{padding-left:18px;margin-top:8px}
.icon{width:44px;height:44px;border-radius:10px;background:#fff5d1;display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:#8a6a00}
.icon svg{width:22px;height:22px}
.feature{border-top:3px solid var(--gold)}
.tag{display:inline-block;font-size:.75rem;font-weight:700;color:#8a6a00;background:#fff5d1;padding:3px 9px;border-radius:99px;margin-bottom:12px}
.ind{text-align:center;padding:30px 20px}
.ind h3{margin:10px 0 6px}
.dark{background:var(--ink);color:#e9e9e9}
.dark .head h2{color:#fff}
.dark .head p{color:#bdbdbd}
.dark .card{background:#1a1a1a;border-color:#2c2c2c}
.dark .card h3{color:#fff}
.dark .card p{color:#bdbdbd}
.dark .icon{background:#2d2508;color:var(--gold)}
.approach{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start}
.steps{list-style:none;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:0 0 26px 58px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--ink);color:var(--gold);font-weight:700;display:flex;align-items:center;justify-content:center}
.steps h3{font-size:1.05rem;color:var(--ink)}
.steps p{color:#555}
.quote{position:relative}
.stars{color:var(--gold-d);letter-spacing:2px;font-size:1.05rem;margin-bottom:10px}
.quote p{font-size:1.02rem;color:#333}
.quote cite{display:block;margin-top:14px;font-style:normal;font-weight:700;color:var(--ink);font-size:.92rem}
.reviews-link{margin-top:26px;text-align:center}
.reviews-link a{color:#8a6a00;font-weight:700;text-decoration:none}
.contact{display:grid;grid-template-columns:1fr 1.15fr;gap:50px}
.contact-info h2{font-size:clamp(1.6rem,3vw,2.3rem);color:var(--ink);line-height:1.2}
.contact-info p{color:var(--muted);margin:14px 0}
.phone{display:inline-flex;align-items:center;gap:10px;font-size:1.4rem;font-weight:800;color:var(--ink);text-decoration:none;margin:8px 0 6px}
.phone small{display:block;font-size:.85rem;font-weight:500;color:var(--muted)}
form{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--ink)}
.fg{margin-bottom:16px}
input,textarea{width:100%;padding:12px 14px;border:1px solid #d9d4c4;border-radius:8px;font:inherit;background:#fff}
input:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
#formStatus{margin-top:14px;display:none;font-weight:600}
footer{background:var(--ink);color:#aaa;padding:40px 0 30px;font-size:.9rem}
.foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;align-items:center}
.foot .brand img{height:34px}
.foot nav{display:flex;gap:20px;flex-wrap:wrap}
.foot nav a{color:#ccc;text-decoration:none}
.foot nav a:hover{color:var(--gold)}
.legal{border-top:1px solid #262626;margin-top:26px;padding-top:18px;font-size:.82rem;color:#888;line-height:1.7}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
@media(max-width:960px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr 1fr}.approach,.contact{grid-template-columns:1fr;gap:34px}}
@media(max-width:720px){
 .menu-btn{display:block}
 .nav-links{position:absolute;top:68px;left:0;right:0;background:#111;flex-direction:column;gap:0;padding:8px 0 16px;display:none;border-bottom:1px solid #222}
 .nav-links.open{display:flex}
 .nav-links li{width:100%;text-align:center}
 .nav-links a{display:block;padding:12px}
 .nav-cta{display:inline-block;margin-top:6px}
 .brand span{display:none}
 section{padding:60px 0}
 .hero{padding:60px 0 56px}
 .g3,.g4,.g2,.row2{grid-template-columns:1fr}
 .trust ul{justify-content:flex-start;gap:10px 20px;font-size:.85rem}
 .hero-actions .btn{width:100%;text-align:center}
}
.page-hero{background:radial-gradient(1000px 420px at 85% -20%,#3a2f08 0%,transparent 60%),var(--ink);color:#fff;padding:70px 0 60px}
.page-hero h1{font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.15;max-width:820px}
.page-hero h1 span{color:var(--gold)}
.page-hero p{color:#cfcfcf;font-size:1.1rem;max-width:680px;margin-top:16px}
.nav-links a.active{color:var(--gold)}
.lead{font-size:1.05rem;color:#444;max-width:760px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.checks{list-style:none;margin-top:14px}
.checks li{position:relative;padding-left:28px;margin-bottom:10px;color:#444}
.checks li::before{content:"✓";position:absolute;left:0;top:0;color:#8a6a00;font-weight:800}
.dark .checks li{color:#ccc}.dark .checks li::before{color:var(--gold)}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.pill{background:#fff5d1;color:#6b5200;font-weight:600;font-size:.85rem;padding:5px 12px;border-radius:99px}
.prod h3{font-size:1.25rem}
.prod .note{font-size:.85rem;color:var(--muted);margin-top:12px}
.matrix{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:.95rem}
.matrix th,.matrix td{padding:13px 14px;border-bottom:1px solid var(--line);text-align:center}
.matrix th:first-child,.matrix td:first-child{text-align:left;font-weight:600;color:var(--ink)}
.matrix thead th{background:var(--ink);color:#fff;font-weight:700}
.matrix td.y{color:#8a6a00;font-weight:800}
.matrix td.n{color:#bbb}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.cta-band{background:var(--ink);color:#fff;padding:56px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(1.4rem,2.6vw,2rem);line-height:1.2}
.cta-band p{color:#bdbdbd;margin-top:6px}
.cta-band .acts{display:flex;gap:12px;flex-wrap:wrap}
.more{display:inline-block;margin-top:14px;color:#8a6a00;font-weight:700;text-decoration:none}
.more:hover{text-decoration:underline}
.small{font-size:.85rem;color:var(--muted);margin-top:18px}
@media(max-width:1060px){
 .menu-btn{display:block}
 .nav-links{position:absolute;top:68px;left:0;right:0;background:#111;flex-direction:column;gap:0;padding:8px 0 16px;display:none;border-bottom:1px solid #222}
 .nav-links.open{display:flex}
 .nav-links li{width:100%;text-align:center}
 .nav-links a{display:block;padding:12px}
 .nav-cta{display:inline-block;margin-top:6px}
}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
@media(max-width:720px){.page-hero{padding:50px 0 44px}.cta-band .acts .btn{width:100%;text-align:center}.cta-band .acts{width:100%}}
@media(max-width:560px){.matrix{font-size:.8rem}.matrix th,.matrix td{padding:10px 6px}.matrix th:first-child,.matrix td:first-child{padding-left:10px}.hide-sm{display:none}}
@media(min-width:561px){.show-sm{display:none}}
.nav-links a.btn,.nav-links a.btn:hover{color:var(--ink)}
@media(max-width:1060px){.nav-links a.btn{display:inline-block;width:auto;padding:11px 24px;margin:8px auto 0}}

body{font-size:17px}
section{padding:100px 0}
.head{margin-bottom:52px}
.head h2{font-size:clamp(1.8rem,3.4vw,2.7rem);letter-spacing:-.01em}
.hero{padding:110px 0 100px}
.hero h1{font-size:clamp(2.1rem,5vw,3.7rem)}
.card{padding:32px;border-radius:16px}
.card h3{font-size:1.2rem}
.stack .card h3{margin-top:4px}
.stack ul.checks li{font-size:.95rem}
.rating{display:flex;align-items:center;gap:36px;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px 40px;margin-bottom:40px}
.rating .big{font-size:4.2rem;font-weight:800;line-height:1;color:var(--ink)}
.rating .stars{font-size:1.8rem;letter-spacing:4px;margin:0}
.rating .meta{color:var(--muted);font-size:1.05rem}
.rating .meta a{color:#8a6a00;font-weight:700;text-decoration:none}
@media(max-width:720px){section{padding:68px 0}.hero{padding:70px 0 64px}.rating{gap:18px;padding:26px}.rating .big{font-size:3.2rem}}

.nav-phone{color:#fff !important;font-weight:600}
.logo-band{padding:34px 0 4px;background:#fff}
.logo-title{text-align:center;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:16px;font-weight:600}
.logo-strip{display:flex;gap:12px;flex-wrap:wrap;align-items:center;justify-content:center}
.logo-chip{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 16px;display:flex;align-items:center}
.logo-chip img{height:28px;width:auto;display:block}
.logo-chip.dark{background:#111;border-color:#111}
.logo-chip.text{font-weight:700;color:#1a1a1a;font-size:15px;line-height:28px}
.faq-item{border-top:1px solid var(--line);padding:20px 0}
.faq-item:last-child{border-bottom:1px solid var(--line)}
.faq-item h3{color:var(--ink);margin-bottom:6px;font-size:1.05rem}
.hl{background:linear-gradient(transparent 55%,rgba(245,200,48,.6) 0);font-weight:700;color:var(--ink)}
.bestfor{font-size:.88rem;color:var(--muted);margin-top:10px}
.bestfor strong{color:var(--ink2)}
.checks-row{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.check-pill{display:flex;align-items:center;gap:8px;border:1px solid #d9d4c4;border-radius:8px;padding:10px 12px;cursor:pointer;font-size:.95rem;background:#fff}
input[type=checkbox]{width:auto;accent-color:var(--gold-d);margin:0}
select{width:100%;padding:12px 14px;border:1px solid #d9d4c4;border-radius:8px;font:inherit;background:#fff}
select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.consent{font-size:.8rem;color:var(--muted);margin-top:10px;text-align:center}
.consent a{color:var(--ink2);text-decoration:underline}
.legal-page h2{color:var(--ink);margin:26px 0 8px;font-size:1.15rem}
.legal-page p,.legal-page li{font-size:.95rem}
.legal-page ul{padding-left:20px}
.legal-page a{text-decoration:underline}
@media(max-width:720px){.nav-phone{display:none}.checks-row{grid-template-columns:1fr}}
.brand{white-space:nowrap}
.nav-links{gap:20px}

/* Statement upload */
.dropzone{position:relative;border:2px dashed #d8c98f;border-radius:12px;padding:18px;text-align:center;background:#fbf7ea;cursor:pointer;transition:border-color .15s,background .15s}
.dropzone:hover{border-color:var(--gold-d)}
.dropzone.drag{border-color:var(--gold-d);background:#f5ecd2}
.dropzone input[type=file]{position:absolute;inset:0;width:100%;height:100%;opacity:0;cursor:pointer}
.dropzone span{display:block;font-weight:600;color:#6b5a1e}
.dropzone small{display:block;color:var(--muted);margin-top:4px;line-height:1.4}
.file-list{list-style:none;margin:10px 0 0;padding:0}
.file-list li{display:flex;align-items:center;justify-content:space-between;gap:10px;background:#fff;border:1px solid #e6ddc2;border-radius:8px;padding:8px 12px;margin-top:6px;font-size:14px;word-break:break-all}
.file-list li button{flex:none;background:none;border:none;color:#b3261e;cursor:pointer;font-size:18px;line-height:1;padding:0 2px}
.file-errors{color:#b3261e;font-size:14px;margin-top:8px}
.file-errors div{margin-top:4px}
.dropzone.off{opacity:.55}
.dropzone.off:hover{border-color:#d8c98f}
.dropzone.off input{pointer-events:none}