*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--font-heading);line-height:1.2;color:var(--primary);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,5vw,3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3.5vw,2.1rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
a{color:var(--primary)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.center{text-align:center}
.muted{color:var(--muted)}
.small{font-size:.85rem}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:10}
.site-header{background:var(--surface);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--text)}
.brand strong{display:block;font-family:var(--font-heading);color:var(--primary);font-size:1.1rem}
.brand small{display:block;color:var(--muted);font-size:.8rem}
.logo-mark{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--primary);color:var(--primary-contrast);font-weight:700;font-family:var(--font-heading)}
.logo-img{height:40px}
.hero{padding:40px 0 48px;background:linear-gradient(180deg,var(--surface),var(--bg))}
.hero-grid{display:grid;gap:32px;align-items:start}
@media(min-width:920px){.hero-grid{grid-template-columns:1.1fr .9fr;gap:56px}.hero{padding:72px 0}.hide-desktop{display:none}}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:600;color:var(--accent)}
.lead{font-size:1.15rem;color:var(--muted)}
.checks{list-style:none;padding:0;margin:0 0 1.5em}
.checks li{position:relative;padding-left:30px;margin:.5em 0}
.checks li:before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--accent);opacity:.9;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10'/%3E%3C/svg%3E")}
.checks li:after{content:"";position:absolute;left:6px;top:.62em;width:6px;height:3px;border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg)}
@media(min-width:720px){.two-col{columns:2;column-gap:32px}.two-col li{break-inside:avoid}}
.section{padding:56px 0}
.section.alt{background:var(--surface)}
.cards{display:grid;gap:16px;margin-top:20px}
@media(min-width:720px){.cards{grid-template-columns:repeat(3,1fr)}.cards.two{grid-template-columns:repeat(2,1fr)}}
.card{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:22px}
.section.alt .card{background:var(--bg)}
.link-card{text-decoration:none;color:inherit;display:block;transition:transform .15s}
.link-card:hover{transform:translateY(-2px)}
.steps{display:grid;gap:16px;counter-reset:s}
@media(min-width:720px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{border-left:3px solid var(--accent);padding:4px 0 4px 18px}
.advisor-line{margin-top:20px;color:var(--muted);font-style:italic}
.faq details{border-bottom:1px solid var(--border);padding:14px 0}
.faq summary{cursor:pointer;font-weight:600;color:var(--primary)}
.faq details p{margin:.6em 0 0}
.cta{background:var(--primary);color:var(--primary-contrast)}
.cta h2{color:var(--primary-contrast)}
.cta .btn-primary{background:var(--accent);color:var(--primary)}
.cta .btn-ghost{border-color:var(--primary-contrast);color:var(--primary-contrast)}
.disclaimer{padding:24px 0;font-size:.82rem;color:var(--muted)}
.form-card{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:24px;box-shadow:0 12px 40px rgba(18,50,79,.08)}
.form-card h2{font-size:1.4rem}
.lead-form label{display:block;font-weight:600;font-size:.92rem;margin:0 0 12px}
.lead-form .opt{font-weight:400;color:var(--muted);font-size:.82rem}
.lead-form input:not([type=checkbox]),.lead-form select{display:block;width:100%;margin-top:4px;padding:12px 14px;font-size:16px;border:1px solid var(--border);border-radius:10px;background:#fff;color:var(--text);font-family:inherit}
.lead-form input:focus,.lead-form select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.lead-form .invalid{border-color:var(--danger)!important;background:#fff6f6!important}
.row.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex!important;gap:10px;font-weight:400!important;font-size:.84rem!important;line-height:1.45;color:var(--muted);margin:14px 0!important}
.consent input{margin-top:3px;width:20px;height:20px;flex:0 0 auto}
.consent.invalid,.consent input.invalid{outline:2px solid var(--danger)}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-error{background:#fff1f1;color:var(--danger);border-radius:8px;padding:10px 12px;font-size:.9rem}
.btn{display:inline-block;border:0;border-radius:12px;padding:12px 20px;font-weight:600;font-size:1rem;cursor:pointer;text-decoration:none;font-family:inherit}
.btn-primary{background:var(--primary);color:var(--primary-contrast)}
.btn-primary:hover{filter:brightness(1.1)}
.btn-primary:disabled{opacity:.6;cursor:wait}
.btn-ghost{background:transparent;border:1px solid var(--border);color:var(--text)}
.btn-lg{padding:16px 24px;font-size:1.05rem}
.btn-block{width:100%}
.site-footer{background:var(--primary);color:var(--primary-contrast);padding:32px 0;font-size:.88rem}
.site-footer a{color:var(--primary-contrast);opacity:.85}
.footer-nav{display:flex;flex-wrap:wrap;gap:16px;margin-top:12px}
.cookie-banner{position:fixed;left:12px;right:12px;bottom:12px;z-index:50;background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:16px;box-shadow:0 10px 40px rgba(0,0,0,.15);max-width:640px;margin:0 auto;font-size:.9rem}
.cookie-actions{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}
.legal h2{font-size:1.2rem;margin-top:1.6em}
.legal blockquote{border-left:3px solid var(--accent);margin:1em 0;padding:.5em 1em;background:var(--surface)}
.review-banner{background:#fff4d6;border:1px solid #e8c770;color:#6b4e00;padding:12px 14px;border-radius:10px;margin-bottom:24px;font-weight:600;font-size:.9rem}
.thanks-icon{width:72px;height:72px;margin:0 auto 20px;border-radius:50%;background:var(--success);color:#fff;font-size:2.2rem;display:grid;place-items:center}