:root{--bg: #0c0c0e;--bg-soft: #151518;--surface: #1d1d21;--gold: #d0ab86;--text: #f5f4f0;--text-muted: #a8a8a3;--font-display: "Poppins", sans-serif;--font-body: "Inter", sans-serif;--radius: 12px;--radius-pill: 999px;--container: 1200px;--nav-h: 72px}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--nav-h) + 12px)}body{font-family:var(--font-body);background:var(--bg);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{max-width:var(--container);margin:0 auto;padding:0 24px}section{scroll-margin-top:var(--nav-h)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-display);font-weight:600;font-size:.95rem;padding:12px 22px;border-radius:var(--radius-pill);border:1px solid transparent;cursor:pointer;transition:transform .2s ease,box-shadow .25s ease,background .25s ease,color .25s ease,border-color .25s ease;white-space:nowrap}.btn-lg{padding:15px 30px;font-size:1rem}.btn-gold{background:#17130e;color:var(--gold);border-color:var(--gold);box-shadow:0 8px 28px -8px #d0ab8673}.btn-gold:hover{transform:translateY(-2px);background:#0f0c08;box-shadow:0 14px 34px -8px #d0ab86b3}.btn-outline{background:transparent;border-color:#f5f4f047;color:var(--text)}.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}.navbar{position:sticky;top:0;z-index:100;height:var(--nav-h);display:flex;align-items:center;background:#0c0c0eb8;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid rgba(255,255,255,.06)}.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;width:100%}.logo{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:1.35rem}.logo-mark{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,#e0c19c,var(--gold));color:#17130e;font-weight:800;font-size:1.2rem}.logo-text{letter-spacing:.5px}.logo-accent{color:var(--gold)}.nav-links{display:flex;align-items:center;gap:32px}.nav-links a{font-family:var(--font-display);font-weight:500;font-size:.85rem;color:var(--text-muted);transition:color .2s ease}.nav-links a:hover{color:var(--text)}.nav-cta{padding:10px 20px;font-size:.9rem}.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;background:transparent;border:1px solid rgba(255,255,255,.12);border-radius:10px;cursor:pointer;padding:10px}.nav-toggle span{display:block;height:2px;width:100%;background:var(--text);border-radius:2px;transition:transform .25s ease,opacity .25s ease}.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.open span:nth-child(2){opacity:0}.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.hero{position:relative;padding:120px 0 140px;overflow:hidden;text-align:center}.hero:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(60% 55% at 50% 0%,rgba(208,171,134,.1),transparent 70%),radial-gradient(40% 40% at 80% 20%,rgba(208,171,134,.06),transparent 70%);pointer-events:none}.hero-glow{position:absolute;width:480px;height:480px;top:-140px;left:50%;transform:translate(-50%);background:radial-gradient(circle,rgba(208,171,134,.22),transparent 65%);filter:blur(60px);pointer-events:none}.hero-inner{position:relative;z-index:2;max-width:860px}.hero-badge{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);font-weight:500;font-size:.85rem;color:var(--gold);background:#d0ab861a;border:1px solid rgba(208,171,134,.28);padding:8px 18px;border-radius:var(--radius-pill);margin-bottom:28px}.hero-badge:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 12px var(--gold)}.hero-title{font-family:var(--font-display);font-weight:800;font-size:clamp(2.2rem,5.4vw,3.6rem);line-height:1.15;letter-spacing:-.5px;margin-bottom:22px}.title-accent{color:var(--gold)}.hero-sub{font-size:clamp(1rem,2vw,1.15rem);color:var(--text-muted);max-width:680px;margin:0 auto 38px}.hero-sub strong{color:var(--text)}.hero-actions{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap}.hero-trust{display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap;margin-top:36px;font-size:.9rem;color:var(--text-muted)}.hero-trust span{display:inline-flex;align-items:center;gap:6px}.hero-trust span:before{content:"✓";color:var(--gold);font-weight:700}.section-head{text-align:center;max-width:720px;margin:0 auto 48px}.section-title{font-family:var(--font-display);font-weight:700;font-size:clamp(1.6rem,3.4vw,2.4rem);line-height:1.2;margin-bottom:16px}.section-sub{color:var(--text-muted);font-size:1.05rem}.section-sub strong{color:var(--text)}.calc-section{padding:90px 0;background:var(--bg-soft);border-top:1px solid rgba(255,255,255,.05);border-bottom:1px solid rgba(255,255,255,.05)}.calc-card{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;background:var(--surface);border:1px solid rgba(255,255,255,.07);border-radius:20px;padding:40px;max-width:960px;margin:0 auto}.calc-label{display:block;font-family:var(--font-display);font-weight:600;font-size:.95rem;margin:22px 0 10px}.calc-label:first-child{margin-top:0}.calc-input-wrap{position:relative}.calc-prefix{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:var(--font-display);font-weight:600}.calc-input{width:100%;padding:15px 16px 15px 44px;font-size:1.05rem;font-family:var(--font-body);color:var(--text);background:var(--bg);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);outline:none;transition:border-color .2s ease}.calc-input:focus{border-color:var(--gold)}.calc-slider-row{display:flex;align-items:center;gap:14px;font-size:.8rem;color:var(--text-muted);margin-top:10px}.calc-range{flex:1;accent-color:var(--gold);cursor:pointer}.calc-fee-row{display:flex;align-items:center;gap:14px}.calc-fee-val{font-family:var(--font-display);font-weight:700;color:var(--gold);min-width:48px;text-align:right}.calc-note{font-size:.85rem;color:var(--text-muted);margin-top:14px}.calc-right{display:flex;flex-direction:column;justify-content:center;background:var(--bg);border-radius:var(--radius);padding:30px;border:1px solid rgba(208,171,134,.18)}.calc-result-label{font-size:.85rem;color:var(--text-muted);margin:14px 0 4px}.calc-result-label:first-child{margin-top:0}.calc-result-fee{font-family:var(--font-display);font-weight:700;font-size:1.5rem;color:#e07a6a}.calc-result-save{font-family:var(--font-display);font-weight:800;font-size:2rem;color:var(--gold);line-height:1.2}.calc-result-year{font-size:1.4rem}.calc-cta{margin-top:26px;width:100%}.calc-tiny{font-size:.82rem;color:var(--text-muted);margin-top:14px;text-align:center}.calc-tiny strong{color:var(--text)}.problem-section{padding:90px 0}.problem-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:32px;align-items:center;max-width:960px;margin:0 auto}.problem-col{background:var(--surface);border:1px solid rgba(255,255,255,.07);border-radius:16px;padding:32px}.problem-sol{border-color:#d0ab8647;background:linear-gradient(180deg,rgba(208,171,134,.06),var(--surface))}.problem-heading{font-family:var(--font-display);font-weight:700;font-size:1.2rem;margin-bottom:18px}.problem-sol .problem-heading{color:var(--gold)}.problem-list{list-style:none}.problem-list li{position:relative;padding-left:26px;margin-bottom:12px;color:var(--text-muted)}.problem-list li:before{content:"✕";position:absolute;left:0;top:0;color:#e07a6a;font-weight:700}.problem-sol .problem-list li:before{content:"✓";color:var(--gold)}.problem-list strong{color:var(--text)}.problem-arrow{font-family:var(--font-display);font-size:2rem;color:var(--gold)}.benefit-section{padding:90px 0;background:var(--bg-soft);border-top:1px solid rgba(255,255,255,.05);border-bottom:1px solid rgba(255,255,255,.05)}.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.benefit-card{background:var(--surface);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius);padding:28px;transition:transform .25s ease,border-color .25s ease}.benefit-card:hover{transform:translateY(-4px);border-color:#d0ab8659}.benefit-icon{font-size:1.9rem;margin-bottom:16px}.benefit-card h3{font-family:var(--font-display);font-weight:700;font-size:1.15rem;margin-bottom:10px}.benefit-card p{color:var(--text-muted);font-size:.95rem}.cta-mid{padding:90px 0;text-align:center;position:relative;overflow:hidden}.cta-mid:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(50% 60% at 50% 50%,rgba(208,171,134,.12),transparent 70%);pointer-events:none}.cta-mid-inner{position:relative;z-index:2}.cta-mid-title{font-family:var(--font-display);font-weight:800;font-size:clamp(1.7rem,3.6vw,2.6rem);margin-bottom:14px}.cta-mid-sub{color:var(--text-muted);font-size:1.1rem;margin-bottom:30px}.testimonial-section{padding:90px 0}.stats-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:760px;margin:0 auto 48px;text-align:center}.stat-num{font-family:var(--font-display);font-weight:800;font-size:2.4rem;color:var(--gold)}.stat-label{color:var(--text-muted);font-size:.95rem}.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial-card{background:var(--surface);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius);padding:28px}.testimonial-stars{color:var(--gold);letter-spacing:2px;margin-bottom:14px}.testimonial-text{color:var(--text);font-size:.98rem;margin-bottom:18px}.testimonial-name{color:var(--text-muted);font-size:.9rem}.faq-section{padding:90px 0;background:var(--bg-soft);border-top:1px solid rgba(255,255,255,.05)}.faq-list{max-width:760px;margin:0 auto}.faq-item{background:var(--surface);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius);margin-bottom:14px;padding:0 22px}.faq-item summary{font-family:var(--font-display);font-weight:600;font-size:1.02rem;padding:20px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:1.4rem;color:var(--gold);transition:transform .2s ease}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item p{color:var(--text-muted);padding-bottom:20px}.final-section{padding:90px 0}.final-card{background:var(--surface);border:1px solid rgba(208,171,134,.25);border-radius:20px;padding:48px;max-width:720px;margin:0 auto;text-align:center}.contact-form{display:grid;gap:16px;text-align:left;max-width:520px;margin:0 auto}.form-field label{display:block;font-family:var(--font-display);font-weight:600;font-size:.9rem;margin-bottom:8px}.form-field input,.form-field textarea{width:100%;padding:13px 16px;font-family:var(--font-body);font-size:.98rem;color:var(--text);background:var(--bg);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);outline:none;resize:vertical;transition:border-color .2s ease}.form-field input:focus,.form-field textarea:focus{border-color:var(--gold)}.form-submit{width:100%;margin-top:6px}.final-cta-row{margin-top:28px}.final-divider{display:block;color:var(--text-muted);font-size:.9rem;margin-bottom:14px}.footer{padding:48px 0;border-top:1px solid rgba(255,255,255,.06);background:var(--bg-soft)}.footer-inner{text-align:center;display:flex;flex-direction:column;align-items:center;gap:16px}.footer-text{color:var(--text-muted);font-size:.95rem}.footer-links{display:flex;gap:24px;flex-wrap:wrap;justify-content:center}.footer-links a{color:var(--text-muted);font-size:.9rem;transition:color .2s ease}.footer-links a:hover{color:var(--gold)}.footer-copy{color:var(--text-muted);font-size:.85rem;margin-top:8px}@media (max-width: 960px){.benefit-grid,.testimonial-grid{grid-template-columns:repeat(2,1fr)}.calc-card{grid-template-columns:1fr;padding:28px}.problem-grid{grid-template-columns:1fr}.problem-arrow{text-align:center;transform:rotate(90deg)}}@media (max-width: 860px){.nav-links{position:fixed;top:var(--nav-h);right:0;left:0;flex-direction:column;align-items:flex-start;gap:6px;background:#0c0c0ef7;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);padding:18px 24px 24px;border-bottom:1px solid rgba(255,255,255,.06);transform:translateY(-130%);opacity:0;transition:transform .3s ease,opacity .3s ease;pointer-events:none}.nav-links.open{transform:translateY(0);opacity:1;pointer-events:auto}.nav-links a{font-size:.95rem;padding:10px 0;width:100%}.nav-cta{display:none}.nav-toggle{display:flex}}@media (max-width: 620px){.hero{padding:84px 0 100px}.hero-actions .btn{width:100%}.hero-trust{gap:12px;flex-direction:column}.benefit-grid,.testimonial-grid,.stats-row{grid-template-columns:1fr}.final-card{padding:32px 22px}}