:root{
  --bg:#F5F5F5;
  --panel:#FFFFFF;
  --ink:#111111;
  --muted:#555555;
  --line:rgba(17,17,17,.10);
  --accent:#9E1B1B;
  --shadow: 0 10px 30px rgba(0,0,0,.08);
  --radius:16px;
  --max:1100px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Inter, system-ui, -apple-system, Segoe UI, Arial, sans-serif;color:var(--ink);background:var(--bg)}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}

/* Topbar */
.topbar{
  position:sticky;top:0;z-index:50;
  backdrop-filter: blur(14px);
  background: rgba(245,245,245,.72);
  border-bottom:1px solid var(--line);
}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 0}
.logo{height:48px;width:auto;display:block}
.nav{display:flex;gap:18px;align-items:center}
.nav a{font-size:14px;color:var(--muted)}
.nav a:hover{color:var(--ink)}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:10px 14px;border-radius:12px;border:1px solid var(--line);
  font-weight:600;font-size:14px;
}
.btn.primary{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn.primary:hover{transform:translateY(-1px)}
.btn.ghost{background:transparent}
.btn.full{width:100%}
.menu-btn{display:none;background:transparent;border:1px solid var(--line);border-radius:12px;padding:10px 12px;font-size:18px}

/* Mobile menu */
.mobile-menu{
  display:none;flex-direction:column;gap:10px;
  padding:12px 18px 18px;border-top:1px solid var(--line);
}
.mobile-menu a{padding:10px 12px;border:1px solid var(--line);border-radius:12px;background:rgba(255,255,255,.7)}

/* Hero */
.hero{padding:54px 0 28px}
.hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:22px;align-items:stretch}
.kicker{
  display:inline-block;font-size:12px;letter-spacing:4px;text-transform:uppercase;
  color:var(--muted);border-left:3px solid var(--accent);padding-left:10px;margin-bottom:14px
}
h1{font-family:Georgia,'Times New Roman',serif;font-size:44px;line-height:1.05;margin:0 0 12px}
.sub{color:var(--muted);font-size:16px;line-height:1.6;margin:0 0 18px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:12px 0 18px}
.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.stat{background:rgba(255,255,255,.7);border:1px solid var(--line);border-radius:14px;padding:12px}
.stat-top{font-size:12px;color:var(--muted)}
.stat-val{font-weight:800;letter-spacing:.5px;margin-top:4px}

.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.card h3{margin:0 0 10px}
.bullets{margin:0 0 14px;padding-left:18px;color:var(--muted);line-height:1.7}
.fineprint{color:var(--muted);font-size:12px;margin:10px 0 0}

/* Sections */
.section{padding:34px 0}
.section.alt{background:rgba(255,255,255,.55);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-family:Georgia,'Times New Roman',serif;font-size:28px;margin:0 0 14px}
.sub2{color:var(--muted);margin-top:-6px;margin-bottom:16px}

.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.panel{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.panel h4{margin:0 0 8px}
.panel p{margin:0;color:var(--muted);line-height:1.7}

/* Process */
.steps{color:var(--muted);line-height:1.9}
.disclaimer{
  margin-top:14px;padding:12px 14px;border-radius:14px;
  border:1px solid rgba(158,27,27,.25);background:rgba(158,27,27,.06);color:#5b1b1b;
}

/* Form */
.form{max-width:760px}
.form label{display:block;font-weight:700;margin:10px 0 6px}
.form input,.form textarea{
  width:100%;padding:12px 12px;border-radius:14px;border:1px solid var(--line);
  background:#fff;font-size:14px;outline:none
}
.form input:focus,.form textarea:focus{border-color:rgba(158,27,27,.45)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.check{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--muted);margin:10px 0 14px}
.check input{width:auto}

/* Footer */
.footer{padding:22px 0;border-top:1px solid var(--line);background:rgba(245,245,245,.85)}
.foot-inner{display:flex;align-items:center;justify-content:space-between;gap:14px}
.foot-title{font-weight:900;letter-spacing:.8px}
.foot-sub{color:var(--muted);font-size:13px;margin-top:4px}
.badge{display:inline-flex;padding:8px 10px;border-radius:999px;border:1px solid var(--line);background:rgba(255,255,255,.8);font-size:12px;color:var(--muted);margin-left:8px}

/* Responsive */
@media (max-width: 900px){
  .hero-inner{grid-template-columns:1fr}
  .nav{display:none}
  .menu-btn{display:inline-flex}
  .grid3{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .row{grid-template-columns:1fr}
  h1{font-size:38px}
  .logo{height:42px}
}