:root {
  --bg:      #07090c;
  --surface: #0d1117;
  --card:    #111820;
  --card2:   #131b24;
  --border:  #1b2530;
  --accent:  #d4a843;
  --red:     #c0392b;
  --green:   #27ae60;
  --text:    #ccd4e0;
  --muted:   #5e6e82;
  --heading: #edf2fa;
  --fd:      'Bebas Neue', sans-serif;
  --fb:      'Barlow', sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg); color: var(--text);
  font-family: var(--fb); font-size: 17px; line-height: 1.75;
  overflow-x: hidden;
}
body::before {
  content: ''; position: fixed; inset: 0; pointer-events: none; z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.03'/%3E%3C/svg%3E");
}

/* NAV */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(7,9,12,0.94); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  padding: 0 clamp(1rem,5vw,4rem);
  display: flex; align-items: center; justify-content: space-between; height: 60px;
}
.nav-logo { font-family: var(--fd); font-size: 1.5rem; letter-spacing: .05em; color: var(--accent); text-decoration: none; }
.nav-logo span { color: var(--heading); }
nav ul { list-style: none; display: flex; gap: 2rem; }
nav ul a { color: var(--muted); text-decoration: none; font-size: .82rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; transition: color .2s; }
nav ul a:hover { color: var(--accent); }
.nav-cta { background: var(--accent) !important; color: #08090b !important; padding: .35rem 1rem !important; clip-path: polygon(0 0,calc(100% - 8px) 0,100% 8px,100% 100%,8px 100%,0 calc(100% - 8px)); }
.nav-cta:hover { background: #e8bb55 !important; color: #08090b !important; }

/* HERO */
.hero {
  position: relative; min-height: 96vh;
  display: flex; align-items: center;
  padding: clamp(5rem,12vw,10rem) clamp(1.5rem,8vw,7rem);
  overflow: hidden;
}
.hero.hero-sub-page { min-height: 60vh; padding: clamp(4rem,9vw,7rem) clamp(1.5rem,8vw,7rem); }
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 55% 55% at 72% 38%, rgba(212,168,67,.08) 0%, transparent 65%),
    radial-gradient(ellipse 35% 50% at 8% 85%, rgba(192,57,43,.05) 0%, transparent 60%),
    linear-gradient(175deg,#0c1219 0%,#07090c 100%);
}
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(212,168,67,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(212,168,67,.025) 1px,transparent 1px);
  background-size: 64px 64px;
  mask-image: linear-gradient(to bottom,transparent,black 15%,black 85%,transparent);
}
.hero-content { position: relative; z-index: 1; max-width: 820px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  font-size: .75rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
  color: var(--accent); margin-bottom: 1.5rem;
  opacity: 0; animation: fadeUp .6s ease forwards .1s;
}
.eyebrow::before { content: ''; display: inline-block; width: 28px; height: 2px; background: var(--accent); }
h1 {
  font-family: var(--fd);
  font-size: clamp(3.5rem,9vw,7.5rem);
  line-height: .9; letter-spacing: .01em;
  color: var(--heading); margin-bottom: 1.8rem;
  opacity: 0; animation: fadeUp .7s ease forwards .2s;
}
.hero-sub-page h1 { font-size: clamp(2.6rem,6vw,5rem); }
h1 em { font-style: normal; color: var(--accent); }
.hero-sub {
  font-size: 1.12rem; font-weight: 300; color: var(--text);
  max-width: 640px; margin-bottom: 2.6rem; line-height: 1.72;
  opacity: 0; animation: fadeUp .7s ease forwards .35s;
}
.cta-group { display: flex; gap: 1rem; flex-wrap: wrap; opacity: 0; animation: fadeUp .7s ease forwards .5s; }
.btn {
  display: inline-block; font-family: var(--fd); font-size: 1.15rem;
  letter-spacing: .07em; text-decoration: none; padding: .85rem 2.2rem;
  clip-path: polygon(0 0,calc(100% - 12px) 0,100% 12px,100% 100%,12px 100%,0 calc(100% - 12px));
  transition: transform .15s, background .2s, color .2s, border-color .2s;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--accent); color: #080a0c; }
.btn-gold:hover { background: #e8bb55; }
.btn-outline { border: 1px solid var(--border); color: var(--text); background: transparent; }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }
.hero-stats {
  display: flex; gap: 3rem; flex-wrap: wrap; margin-top: 4rem;
  opacity: 0; animation: fadeUp .7s ease forwards .65s;
}
.stat-num { font-family: var(--fd); font-size: 2.2rem; color: var(--accent); line-height: 1; display: block; }
.stat-label { font-size: .78rem; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; }

/* STRIP */
.strip {
  position: relative; z-index: 1;
  background: var(--surface);
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
  padding: .9rem clamp(1.5rem,8vw,7rem);
  display: flex; gap: 2.5rem; flex-wrap: wrap; align-items: center;
}
.badge { display: flex; align-items: center; gap: .5rem; font-size: .8rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.badge svg { color: var(--accent); flex-shrink: 0; }

/* BREADCRUMBS */
.crumbs { max-width: 1080px; margin: 0 auto; padding: 1.1rem clamp(1.5rem,5vw,3rem) 0; font-size: .8rem; color: var(--muted); position: relative; z-index: 1; }
.crumbs a { color: var(--muted); text-decoration: none; transition: color .2s; }
.crumbs a:hover { color: var(--accent); }
.crumbs span { margin: 0 .5rem; opacity: .5; }

/* LAYOUT */
section { position: relative; z-index: 1; }
.wrap { max-width: 1080px; margin: 0 auto; padding: clamp(3.5rem,8vw,6rem) clamp(1.5rem,5vw,3rem); }
.wrap-narrow { max-width: 780px; margin: 0 auto; padding: clamp(3rem,7vw,5.5rem) clamp(1.5rem,5vw,3rem); }
.section-label { font-size: .72rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; color: var(--accent); margin-bottom: .6rem; }
h2 { font-family: var(--fd); font-size: clamp(2.2rem,5vw,3.8rem); color: var(--heading); line-height: .95; margin-bottom: 1.4rem; }
h3 { font-family: var(--fd); font-size: 1.65rem; color: var(--heading); margin-bottom: .5rem; }
h4 { font-size: 1rem; font-weight: 700; color: var(--heading); margin-bottom: .35rem; }
p { color: var(--text); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
strong { color: var(--heading); }
.prose h3 { margin-top: 2rem; }
.prose ul, .prose ol { margin: 0 0 1rem 1.4rem; color: var(--text); }
.prose li { margin-bottom: .4rem; }
.prose a { color: var(--accent); text-decoration: none; }
.prose a:hover { text-decoration: underline; }
.divider { height: 1px; background: linear-gradient(to right,transparent,var(--border),transparent); margin: 0 clamp(1.5rem,5vw,3rem); }

/* FEAT GRID */
.feat-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 1.5px; background: var(--border); margin-top: 2.5rem; }
.feat-card { background: var(--card); padding: 2.2rem 2rem; transition: background .2s; }
.feat-card:hover { background: var(--card2); }
.feat-card.link { text-decoration: none; color: inherit; display: block; }
.feat-card.link:hover { background: var(--card2); }
.feat-card.link h3 { color: var(--heading); transition: color .2s; }
.feat-card.link:hover h3 { color: var(--accent); }
.feat-icon { width: 40px; height: 40px; margin-bottom: 1.1rem; color: var(--accent); }
.feat-card p { font-size: .92rem; color: var(--muted); line-height: 1.65; }
.feat-tag { display: inline-block; margin-top: 1rem; font-size: .7rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: .2em .7em; border-radius: 2px; }
.ft-low  { background: rgba(39,174,96,.12); color: #2ecc71; }
.ft-med  { background: rgba(212,168,67,.12); color: var(--accent); }
.ft-high { background: rgba(192,57,43,.12); color: #e74c3c; }

/* TWO COL */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; margin-top: 2rem; }
@media(max-width:680px) { .two-col { grid-template-columns: 1fr; } }

/* STEPS */
.steps { margin-top: 2.5rem; }
.step { display: grid; grid-template-columns: 60px 1fr; gap: 1.5rem; padding: 2rem 0; border-bottom: 1px solid var(--border); }
.step:last-child { border-bottom: none; }
.step-num { font-family: var(--fd); font-size: 3rem; color: var(--border); line-height: 1; transition: color .3s; }
.step:hover .step-num { color: var(--accent); }
.step-body h3 { font-size: 1.4rem; margin-bottom: .4rem; }

/* RISK TABLE */
.risk-table { width: 100%; border-collapse: collapse; margin-top: 2rem; font-size: .91rem; }
.risk-table th { text-align: left; padding: .9rem 1.2rem; background: var(--surface); color: var(--accent); font-family: var(--fd); font-size: .95rem; letter-spacing: .06em; border-bottom: 2px solid var(--border); }
.risk-table td { padding: .9rem 1.2rem; border-bottom: 1px solid var(--border); color: var(--text); vertical-align: top; }
.risk-table tr:last-child td { border-bottom: none; }
.risk-table tr:hover td { background: rgba(255,255,255,.012); }
.tag { display: inline-block; padding: .2em .65em; font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; border-radius: 2px; }
.tag-low  { background: rgba(39,174,96,.12); color: #2ecc71; }
.tag-med  { background: rgba(212,168,67,.12); color: var(--accent); }
.tag-high { background: rgba(192,57,43,.12); color: #e74c3c; }

/* CHECKLIST */
.checklist { list-style: none; margin-top: 1.2rem; display: flex; flex-direction: column; gap: .65rem; }
.checklist li { display: flex; align-items: flex-start; gap: .8rem; font-size: .94rem; color: var(--text); }
.checklist li::before { content: '✓'; flex-shrink: 0; color: var(--accent); font-weight: 700; margin-top: .05rem; }

/* MAP GRID */
.map-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(210px,1fr)); gap: 1px; background: var(--border); margin-top: 2rem; }
.map-card { background: var(--card); padding: 1.5rem; transition: background .2s; text-decoration: none; color: inherit; display: block; }
.map-card:hover { background: var(--card2); }
.map-card h4 { color: var(--accent); font-family: var(--fd); font-size: 1.1rem; margin-bottom: .3rem; transition: color .2s; }
.map-card:hover h4 { color: #e8bb55; }
.map-card p { font-size: .84rem; color: var(--muted); margin: 0; }

/* PROVIDER BLOCK */
.provider-block {
  background: var(--card); border: 1px solid var(--border); border-left: 3px solid var(--accent);
  padding: 2.2rem; margin-top: 2.5rem;
  display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: center;
}
@media(max-width:600px) { .provider-block { grid-template-columns: 1fr; } }
.provider-block h3 { font-size: 1.5rem; margin-bottom: .3rem; }
.provider-block p { font-size: .92rem; color: var(--muted); margin: 0; }
.pfeatures { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: .8rem; }
.pf { font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: .2em .7em; background: rgba(212,168,67,.1); color: var(--accent); border-radius: 2px; }

/* CALLOUT */
.callout { background: rgba(212,168,67,.05); border: 1px solid rgba(212,168,67,.2); border-left: 3px solid var(--accent); padding: 1.4rem 1.6rem; margin: 2rem 0; font-size: .94rem; }
.callout strong { display: block; margin-bottom: .3rem; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--accent); }
.callout-red { background: rgba(192,57,43,.05); border-color: rgba(192,57,43,.25); border-left-color: var(--red); }
.callout-red strong { color: var(--red); }

/* FAQ */
.faq-list { margin-top: 2rem; }
details { border-bottom: 1px solid var(--border); }
summary { padding: 1.3rem 0; font-weight: 600; color: var(--heading); cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; font-size: 1rem; gap: 1rem; }
summary::-webkit-details-marker { display: none; }
summary::after { content: '+'; font-family: var(--fd); font-size: 1.5rem; color: var(--accent); transition: transform .2s; flex-shrink: 0; }
details[open] summary::after { transform: rotate(45deg); }
.faq-body { padding: 0 0 1.3rem; color: var(--muted); font-size: .94rem; line-height: 1.72; }
.faq-body a { color: var(--accent); text-decoration: none; }

/* RELATED LINKS */
.related-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 1px; background: var(--border); margin-top: 2rem; }
.related-card { background: var(--card); padding: 1.5rem 1.7rem; text-decoration: none; color: inherit; display: block; transition: background .2s; }
.related-card:hover { background: var(--card2); }
.related-card .kicker { font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: var(--accent); margin-bottom: .4rem; display: block; }
.related-card h4 { color: var(--heading); font-size: 1.02rem; margin-bottom: .3rem; transition: color .2s; }
.related-card:hover h4 { color: var(--accent); }
.related-card p { font-size: .86rem; color: var(--muted); margin: 0; line-height: 1.55; }

/* CTA */
.cta-section { background: var(--surface); border-top: 1px solid var(--border); }
.cta-inner { max-width: 680px; margin: 0 auto; text-align: center; padding: clamp(4rem,10vw,7rem) clamp(1.5rem,5vw,3rem); }

/* FOOTER */
footer {
  position: relative; z-index: 1;
  border-top: 1px solid var(--border);
  padding: 2.5rem clamp(1.5rem,8vw,7rem);
  font-size: .82rem; color: var(--muted);
}
.footer-cols { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2rem; }
@media(max-width:800px) { .footer-cols { grid-template-columns: 1fr 1fr; } }
@media(max-width:480px) { .footer-cols { grid-template-columns: 1fr; } }
.footer-col h5 { font-family: var(--fd); color: var(--accent); font-size: 1rem; letter-spacing: .1em; margin-bottom: .9rem; }
.footer-col a { color: var(--muted); text-decoration: none; display: block; padding: .25rem 0; font-size: .82rem; transition: color .2s; }
.footer-col a:hover { color: var(--accent); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; padding-top: 1.5rem; border-top: 1px solid var(--border); font-size: .76rem; }

/* ANIMATIONS */
@keyframes fadeUp { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:none; } }
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .65s ease, transform .65s ease; }
.reveal.visible { opacity: 1; transform: none; }
.d1 { transition-delay: .1s; } .d2 { transition-delay: .2s; } .d3 { transition-delay: .3s; }

@media(max-width:640px) { nav ul { display: none; } .hero-stats { gap: 1.8rem; } }