:root {
  --primary: #f97316;
  --primary-rgb: 249, 115, 22;
  --primary-dark: #f97316;
  --text: #0f172a;
  --text-muted: #64748b;
  --bg-soft: #f8fafc;
  --border: #e2e8f0;
  --surface: #ffffff;
  --shadow-soft: 0 4px 12px rgba(15,23,42,.03);
  --shadow-md: 0 12px 24px rgba(15,23,42,.06);
  --shadow-strong: 0 20px 40px rgba(15,23,42,.1);
  --radius-lg: 16px;
  --radius-xl: 24px;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'Playfair Display', serif;
}

* { box-sizing: border-box; -webkit-tap-highlight-color: transparent; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--text);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }
.narrow { max-width: 720px; }

/* Typography */
h1, h2, h3, h4 { 
  margin: 0; 
  font-weight: 700; 
  line-height: 1.15; 
  letter-spacing: -0.025em;
}
h1 { font-family: var(--font-display); font-weight: 800; }
.text-highlight { color: var(--primary); }
.text-center { text-align: center; }
p { margin: 0; line-height: 1.6; }

/* Navbar */
.navbar {
  height: 72px;
  display: flex;
  align-items: center;
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.navbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.logo {
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--text);
  text-decoration: none;
  letter-spacing: -0.03em;
}
.nav-links {
  display: flex;
  gap: 24px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  text-decoration: none;
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 600;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--primary); }

/* Hero */
.hero {
  padding: 60px 0 40px;
  background: radial-gradient(circle at top right, rgba(37, 99, 235, 0.05), transparent);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}
.hero-brand {
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary);
  margin-bottom: 12px;
}
.hero h1 {
  font-size: clamp(2.5rem, 5vw, 3.75rem);
  margin-bottom: 20px;
}
.subheadline {
  font-size: 1.15rem;
  color: var(--text-muted);
  margin-bottom: 32px;
  max-width: 52ch;
}
.hero-bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 40px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 600;
  font-size: 1rem;
}
.hero-bullets li::before {
  content: "✓";
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  font-size: 0.7rem;
}
.hero-image img {
  width: 100%;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-strong);
}
.hero-visual-mobile { display: none; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 32px;
  border-radius: 14px;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 8px 20px rgba(var(--primary-rgb), 0.2);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(var(--primary-rgb), 0.3);
}

/* Sections */
.section { padding: 80px 0; }
.bg-light { background: var(--bg-soft); }
.section-lead { font-size: 1.1rem; color: var(--text-muted); margin-bottom: 32px; }

/* Cards */
.quick-info-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 8px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-soft);
  margin-bottom: 40px;
}
.quick-info-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 20px;
  border-bottom: 1px solid var(--border);
}
.quick-info-row:last-child { border-bottom: none; }
.quick-info-label { font-weight: 700; color: var(--text-muted); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.06em; }
.quick-info-value { font-weight: 600; color: var(--text); font-size: 0.95rem; text-align: right; }

.benefits-grid, .cred-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.benefit-card, .cred-card, .info-card, .content-card {
  background: #fff;
  padding: 32px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
  gap: 12px;
  height: 100%;
  min-height: 160px;
}
.benefit-card:hover, .cred-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.benefit-card h3, .cred-card h3, .content-card h2, .info-card h2 { 
  font-size: 1.25rem; 
  line-height: 1.2;
}
.benefit-card p, .cred-card p, .content-card p, .info-card p {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.6;
}

/* FAQ */
.faq-list { display: flex; flex-direction: column; gap: 16px; margin-top: 40px; }
.faq-item {
  background: #fff;
  border-radius: 16px;
  border: 1px solid var(--border);
  overflow: hidden;
}
.faq-item summary {
  padding: 20px 24px;
  font-weight: 700;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::after {
  content: "+";
  font-size: 1.5rem;
  color: var(--primary);
  transition: transform 0.2s;
}
.faq-item[open] summary::after { content: "−"; }
.faq-answer { padding: 0 24px 20px; color: var(--text-muted); }

/* Final CTA */
.final-cta-card {
  padding: 60px 40px;
  border-radius: var(--radius-xl);
  background: var(--bg-soft);
  border: 1px solid var(--border);
}

/* Footer */
.footer {
  background: #0f172a;
  color: #f8fafc;
  padding: 80px 0 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 60px;
}
.footer h3, .footer h4 { color: #fff; margin-bottom: 20px; }
.footer p { color: #94a3b8; font-size: 0.95rem; }
.footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.footer a { color: #94a3b8; text-decoration: none; transition: color 0.2s; }
.footer a:hover { color: #fff; }
.disclaimer-box {
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 0.85rem;
  color: #64748b;
}
.disclaimer-box p { margin-bottom: 12px; }

/* Mobile Sticky CTA */
.mobile-sticky-cta { display: none; }

/* Decision gate */
.quick-access-top {
  padding: 14px 0 10px;
}

.quick-access-box {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: 22px;
  padding: 18px;
  box-shadow: 0 12px 30px rgba(15,23,42,.06);
  overflow: hidden;
}

.quick-access-eyebrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(var(--primary-rgb), .08);
  color: var(--primary);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .03em;
  margin-bottom: 12px;
}

.quick-access-head {
  margin-bottom: 12px;
}

.quick-access-title {
  margin: 0 0 4px;
  font-size: 20px;
  line-height: 1.12;
  color: var(--text);
  font-weight: 800;
  letter-spacing: -0.03em;
}

.quick-access-text {
  margin: 0;
  font-size: 14px;
  line-height: 1.38;
  color: var(--text-muted);
  max-width: 460px;
}

.quick-access-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.quick-access-card {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 96px;
  padding: 16px;
  border-radius: 16px;
  text-decoration: none;
  border: 1px solid #e7edf6;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.quick-access-card:hover {
  transform: translateY(-1px);
}

.quick-access-card strong {
  display: block;
  font-size: 15px;
  line-height: 1.24;
  font-weight: 800;
}

.quick-access-card span {
  display: block;
  margin-top: 5px;
  font-size: 12px;
  line-height: 1.35;
}

.quick-access-card--primary {
  background: linear-gradient(180deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 14px 28px rgba(37,99,235,.22);
}

.quick-access-card--primary strong,
.quick-access-card--primary span {
  color: #fff;
}

.quick-access-card--secondary {
  background: #f8fafc;
  color: var(--text);
  border-color: #dbe4f0;
}

.quick-access-card--secondary strong {
  color: var(--text);
}

.quick-access-card--secondary span {
  color: var(--text-muted);
}

.quick-access-product {
  display: none;
}

.quick-access-product img {
  display: block;
  width: 100%;
  max-width: 150px;
  margin: 12px auto 0;
  border-radius: 14px;
  box-shadow: var(--shadow-md);
}

@media (max-width: 1024px) {
  .hero-grid { gap: 40px; }
  .benefits-grid, .cred-grid { grid-template-columns: repeat(2, 1fr); }

  .quick-access-box {
    padding: 16px;
  }

  .quick-access-title {
    font-size: 18px;
  }

  .quick-access-grid {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }

  .quick-access-product {
    display: block;
  }
}

@media (min-width: 1025px) {
  .quick-access-product {
    display: none !important;
  }
}

@media (max-width: 768px) {
  .section { padding: 48px 0; }
  .hero { padding: 34px 0 40px; }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { 
    font-size: clamp(1.75rem, 8vw, 2.25rem); 
    line-height: 1.1; 
    word-wrap: break-word;
    overflow-wrap: break-word;
    hyphens: auto;
  }
  .hero-image { display: none; }
  .hero-visual-mobile { display: block; margin: 24px 0; width: 100%; }
  .hero-visual-mobile img { 
    width: 100%; 
    height: auto; 
    max-height: 450px; 
    object-fit: contain; 
    border-radius: 20px; 
    box-shadow: var(--shadow-md); 
  }
  .benefits-grid, .cred-grid, .footer-grid { grid-template-columns: 1fr; gap: 16px; }
  .nav-links { display: none; }

  .quick-access-top {
    padding: 12px 0;
    min-height: calc(100svh - 60px);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: clip;
  }

  .quick-access-box {
    width: 100%;
    max-width: 430px;
    margin: 0 auto;
    padding: 18px 14px;
    border-radius: 18px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: calc(100svh - 96px);
  }

  .quick-access-eyebrow {
    margin-bottom: 10px;
  }

  .quick-access-head {
    margin-bottom: 10px;
  }

  .quick-access-title {
    font-size: 17px;
    line-height: 1.1;
    margin-bottom: 2px;
    word-wrap: break-word;
    overflow-wrap: break-word;
  }

  .quick-access-text {
    font-size: 12px;
    line-height: 1.34;
    max-width: 30ch;
  }

  .quick-access-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .quick-access-card {
    min-height: 78px;
    padding: 14px;
    border-radius: 15px;
  }

  .quick-access-card strong {
    font-size: 14px;
  }

  .quick-access-card span {
    display: none;
  }

  .quick-access-product {
    display: none !important;
  }

  .benefit-card, .cred-card, .info-card, .content-card {
    padding: 24px;
    min-height: auto;
    gap: 10px;
  }

  .hero {
    margin-top: 0;
  }

  .mobile-sticky-cta {
    display: block;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 16px 20px calc(16px + env(safe-area-inset-bottom));
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(15px);
    border-top: 1px solid rgba(0,0,0,0.05);
    z-index: 1000;
    opacity: 0;
    pointer-events: none;
    transform: translateY(20px);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .mobile-sticky-cta.is-visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }
  .mobile-sticky-cta__button {
    width: 100%;
    background: var(--primary);
    color: #fff;
    padding: 16px;
    border-radius: 16px;
    font-weight: 800;
    text-decoration: none;
    text-align: center;
    display: block;
    box-shadow: 0 10px 25px rgba(37, 99, 235, 0.3);
    font-size: 15px;
  }
  body { padding-bottom: 100px; }
}

/* Legal Pages */
.page-content { padding: 60px 0 100px; }
.page-hero { margin-bottom: 28px; }
.eyebrow { font-size: 0.75rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.1em; color: var(--primary); margin-bottom: 8px; display: block; }
.page-hero h1 { font-size: 3rem; margin-bottom: 14px; }
.page-lead {
  margin: 0;
  color: var(--text-muted);
  font-size: 1.04rem;
  line-height: 1.7;
}
.info-card { margin-bottom: 32px; }