:root{--ink:#050507;--ink2:#0c0c11;--card:#101016;--card2:#14141b;--line:rgba(212,175,55,.15);--line2:rgba(212,175,55,.28);--gold:#D4AF37;--gold2:#E8C667;--gold3:#F5E6A8;--text:#EDEDED;--muted:#AEAEBA;--dim:#7c7c88;}
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{background:var(--ink);color:var(--text);font-family:'Inter',sans-serif;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased;}
  ::selection{background:var(--gold);color:#000;}
  a{color:inherit;text-decoration:none;}
  .wrap{max-width:1080px;margin:0 auto;padding:0 22px;}
  h1,h2,h3{font-family:'Sora',sans-serif;line-height:1.12;letter-spacing:-.015em;}
  .gold{color:var(--gold2);}
  .grad{background:linear-gradient(115deg,#F7EBB6,#E8C667 42%,#B8860B);-webkit-background-clip:text;background-clip:text;color:transparent;}
  .eyebrow{color:var(--gold2);font-weight:600;letter-spacing:.14em;text-transform:uppercase;font-size:.74rem;}
  .btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:999px;font-weight:700;font-size:.95rem;transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer;border:none;font-family:inherit;}
  .btn-gold{background:linear-gradient(120deg,#EBCF74,#D4AF37 60%,#B8860B);color:#0f0b02;box-shadow:0 10px 30px -10px rgba(212,175,55,.6);}
  .btn-gold:hover{transform:translateY(-2px);box-shadow:0 18px 46px -10px rgba(212,175,55,.85);}
  .btn-ghost{border:1px solid var(--line2);color:var(--gold3);background:transparent;}
  .btn-ghost:hover{background:rgba(212,175,55,.08);border-color:var(--gold);}
  #bar{position:fixed;top:0;left:0;height:3px;width:0;z-index:70;background:linear-gradient(90deg,#B8860B,#E8C667,#F5E6A8);transition:width .1s;}
  header{position:fixed;inset:0 0 auto 0;z-index:60;transition:background .3s,border-color .3s;border-bottom:1px solid transparent;}
  header.scrolled{background:rgba(5,5,7,.8);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);}
  header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;}
  .logo{display:flex;align-items:center;gap:11px;}
  .mono{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,#EBCF74,#B8860B);color:#0f0b02;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:800;font-size:.95rem;box-shadow:0 4px 14px -4px rgba(212,175,55,.6);}
  .logo .nm{font-family:'Sora',sans-serif;font-weight:800;font-size:1.02rem;line-height:1.1;}
  .logo .nm small{display:block;font-family:'Inter',sans-serif;font-weight:500;font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold2);}
  .nav-links{display:none;gap:28px;font-size:.9rem;color:#c9c9d4;}
  .nav-links a{position:relative;}
  .nav-links a:hover{color:var(--gold2);}
  @media(min-width:900px){.nav-links{display:flex;}}
  header .btn{padding:10px 20px;font-size:.85rem;}
  .nav-cta{display:none;}
  @media(min-width:560px){.nav-cta{display:inline-flex;}}
  /* HERO */
  .hero{position:relative;padding:118px 0 40px;overflow:hidden;}
  .orb{position:absolute;border-radius:50%;filter:blur(100px);opacity:.16;pointer-events:none;}
  .orb.a{width:480px;height:480px;background:radial-gradient(circle,var(--gold),transparent 70%);top:-150px;left:-120px;}
  .orb.b{width:400px;height:400px;background:radial-gradient(circle,#B8860B,transparent 70%);bottom:-180px;right:-130px;}
  .hero-grid{display:grid;grid-template-columns:1fr;gap:38px;align-items:center;}
  @media(min-width:860px){.hero-grid{grid-template-columns:1.25fr .85fr;}}
  .hero h1{font-size:clamp(2.2rem,5.4vw,3.5rem);font-weight:800;margin:14px 0 0;}
  .hero p.lead{color:var(--muted);font-size:1.12rem;max-width:600px;margin-top:16px;}
  .chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px;}
  .chip{font-size:.82rem;color:#e2e2ea;background:rgba(212,175,55,.06);border:1px solid var(--line);border-radius:999px;padding:8px 14px;}
  .cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px;}
  .hero-photo{justify-self:center;position:relative;}
  .frame{position:relative;width:300px;max-width:82vw;border-radius:24px;padding:7px;background:linear-gradient(150deg,rgba(235,207,116,.6),rgba(184,134,11,.15) 60%,transparent);}
  .frame img,.frame .fb{width:100%;aspect-ratio:5/6;object-fit:cover;border-radius:18px;display:block;background:linear-gradient(160deg,#16161d,#0c0c11);}
  .frame .fb{display:none;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:800;font-size:4rem;color:var(--gold2);}
  .badge{position:absolute;left:50%;bottom:-16px;transform:translateX(-50%);white-space:nowrap;background:rgba(12,12,17,.92);backdrop-filter:blur(6px);border:1px solid var(--line2);border-radius:999px;padding:8px 16px;font-size:.78rem;color:var(--gold3);box-shadow:0 8px 24px -8px rgba(0,0,0,.6);}
  /* TRUST STRIP */
  .trust{margin-top:52px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .trust .wrap{display:grid;grid-template-columns:repeat(2,1fr);gap:0;}
  @media(min-width:760px){.trust .wrap{grid-template-columns:repeat(4,1fr);}}
  .trust .t{padding:22px 10px;text-align:center;border-right:1px solid var(--line);}
  .trust .t:last-child{border-right:none;}
  @media(max-width:759px){.trust .t:nth-child(2){border-right:none;}.trust .t:nth-child(1),.trust .t:nth-child(2){border-bottom:1px solid var(--line);}}
  .trust b{display:block;font-family:'Sora',sans-serif;font-size:1.35rem;color:var(--gold2);}
  .trust span{font-size:.82rem;color:var(--muted);}
  /* SECTIONS */
  section.block{padding:64px 0;}
  section.block + section.block{border-top:1px solid var(--line);}
  section.block h2{font-size:clamp(1.55rem,4vw,2.1rem);font-weight:700;margin:8px 0 6px;}
  section.block p.sub{color:var(--muted);max-width:660px;margin-bottom:28px;}
  .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.16,1,.3,1),transform .7s cubic-bezier(.16,1,.3,1);}
  .reveal.in{opacity:1;transform:none;}
  .paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:14px;}
  .path{display:block;background:linear-gradient(160deg,var(--ink2),var(--card));border:1px solid var(--line);border-radius:18px;padding:24px;transition:transform .2s,border-color .2s,box-shadow .2s;cursor:pointer;}
  .path:hover{transform:translateY(-4px);border-color:var(--line2);box-shadow:0 16px 40px -18px rgba(212,175,55,.4);}
  .path h3{color:#fff;font-size:1.06rem;margin-bottom:6px;}
  .path p{color:var(--muted);font-size:.9rem;}
  .path .go{color:var(--gold2);font-size:.85rem;font-weight:600;margin-top:12px;display:inline-block;}
  .cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(232px,1fr));gap:16px;}
  .cardx{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;transition:transform .2s,border-color .2s;}
  .cardx:hover{transform:translateY(-3px);border-color:var(--line2);}
  .cardx h3{font-size:1.05rem;margin-bottom:7px;color:#fff;}
  .cardx p{color:var(--muted);font-size:.93rem;}
  .tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px;}
  table.cmp{width:100%;border-collapse:collapse;font-size:.92rem;min-width:580px;}
  table.cmp th,table.cmp td{border-bottom:1px solid var(--line);padding:.85rem 1rem;text-align:left;vertical-align:top;color:var(--muted);}
  table.cmp tr:last-child td{border-bottom:none;}
  table.cmp th{background:rgba(212,175,55,.07);color:var(--gold3);font-family:'Sora',sans-serif;font-weight:600;}
  table.cmp td b{color:#ededed;}
  .steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;counter-reset:s;}
  .step{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;}
  .step::before{counter-increment:s;content:counter(s);font-family:'Sora',sans-serif;font-weight:800;color:#0f0b02;background:linear-gradient(120deg,#EBCF74,#B8860B);width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:14px;}
  .step h3{color:#fff;font-size:1.05rem;margin-bottom:6px;}
  .step p{color:var(--muted);font-size:.92rem;}
  .about{display:grid;grid-template-columns:230px 1fr;gap:38px;align-items:start;}
  .about .ph img,.about .ph .fb{width:230px;height:280px;object-fit:cover;border-radius:20px;border:1px solid var(--line);background:linear-gradient(160deg,#16161d,#0c0c11);}
  .about .ph .fb{display:none;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:800;font-size:3.4rem;color:var(--gold2);}
  .about .body p{color:var(--muted);margin-bottom:14px;}
  .pull{border-left:3px solid var(--gold);padding:8px 0 8px 18px;color:var(--gold3);font-style:italic;font-size:1.08rem;margin:6px 0 18px;}
  @media(max-width:640px){.about{grid-template-columns:1fr;}.about .ph img,.about .ph .fb{width:100%;height:340px;}}
  .why{display:grid;grid-template-columns:repeat(auto-fit,minmax(232px,1fr));gap:16px;}
  .why div{background:linear-gradient(160deg,var(--ink2),var(--card));border:1px solid var(--line);border-radius:18px;padding:22px;}
  .why h3{font-size:1rem;color:var(--gold3);margin-bottom:7px;}
  .why p{color:var(--muted);font-size:.92rem;}
  .cta-band{background:linear-gradient(150deg,#14100a,#0c0c11);border:1px solid var(--line2);border-radius:24px;padding:40px 28px;text-align:center;}
  .cta-band h2{font-size:clamp(1.5rem,4vw,2rem);}
  .cta-band p{color:var(--muted);max-width:520px;margin:10px auto 22px;}
  .reviews{text-align:center;}
  .stars{font-size:1.7rem;letter-spacing:5px;color:var(--gold2);}
  .cred{display:flex;flex-wrap:wrap;gap:12px;margin-top:4px;}
  .cred div{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px 18px;font-size:.9rem;color:var(--muted);}
  .cred b{color:#ededed;}
  details{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-bottom:10px;}
  details summary{cursor:pointer;font-weight:600;color:#fff;list-style:none;display:flex;justify-content:space-between;gap:12px;}
  details summary::-webkit-details-marker{display:none;}
  details summary .c{color:var(--gold2);transition:transform .2s;font-size:1.2rem;line-height:1;}
  details[open] summary .c{transform:rotate(45deg);}
  details p{color:var(--muted);font-size:.93rem;margin-top:10px;}
  footer{border-top:1px solid var(--line);padding:34px 0;color:var(--dim);font-size:.86rem;}
  footer .fgrid{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px;align-items:center;}
  footer a:hover{color:var(--gold2);}
  footer .disc{margin-top:18px;font-size:.76rem;color:#5b5b66;max-width:800px;}
  /* ===== QUOTE FUNNEL MODAL ===== */
  #ov{position:fixed;inset:0;z-index:100;background:rgba(3,3,5,.72);backdrop-filter:blur(6px);display:none;align-items:center;justify-content:center;padding:18px;}
  #ov.open{display:flex;}
  .modal{width:100%;max-width:520px;background:linear-gradient(170deg,#111118,#0b0b10);border:1px solid var(--line2);border-radius:22px;box-shadow:0 40px 90px -30px rgba(0,0,0,.8);overflow:hidden;transform:translateY(12px);opacity:0;transition:transform .3s,opacity .3s;}
  #ov.open .modal{transform:none;opacity:1;}
  .m-top{height:4px;background:rgba(212,175,55,.14);}
  .m-fill{height:100%;width:20%;background:linear-gradient(90deg,#B8860B,#F5E6A8);transition:width .35s;}
  .m-head{display:flex;align-items:center;justify-content:space-between;padding:18px 22px 0;}
  .m-step{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold2);font-weight:600;}
  .m-x{background:none;border:none;color:var(--dim);font-size:1.4rem;cursor:pointer;line-height:1;}
  .m-x:hover{color:#fff;}
  .m-body{padding:10px 22px 24px;}
  .m-body h3{font-family:'Sora',sans-serif;font-size:1.3rem;color:#fff;margin:6px 0 4px;}
  .m-body .h-sub{color:var(--muted);font-size:.9rem;margin-bottom:18px;}
  .opts{display:grid;gap:10px;}
  .opt{text-align:left;background:var(--card2);border:1px solid var(--line);border-radius:14px;padding:15px 17px;color:#e9e9f0;font-size:.98rem;cursor:pointer;transition:border-color .15s,background .15s,transform .15s;font-family:inherit;}
  .opt:hover{border-color:var(--gold);background:rgba(212,175,55,.07);transform:translateY(-1px);}
  .m-body input,.m-body select{width:100%;background:#15151c;border:1px solid var(--line);border-radius:12px;padding:13px 15px;color:var(--text);font-family:inherit;font-size:.96rem;margin-bottom:11px;}
  .m-body input:focus,.m-body select:focus{outline:none;border-color:var(--gold);}
  .consent{display:flex;gap:9px;align-items:flex-start;font-size:.76rem;color:var(--dim);margin:2px 0 14px;}
  .consent input{width:auto;margin:3px 0 0;}
  .m-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:6px;}
  .m-back{background:none;border:none;color:var(--dim);cursor:pointer;font-family:inherit;font-size:.9rem;}
  .m-back:hover{color:var(--gold2);}
  .m-body .full{width:100%;justify-content:center;}
  .success{text-align:center;padding:14px 0 6px;}
  .success .tick{width:64px;height:64px;border-radius:50%;background:linear-gradient(120deg,#EBCF74,#B8860B);color:#0f0b02;display:flex;align-items:center;justify-content:center;font-size:2rem;margin:0 auto 16px;}
  .err{color:#ff9a9a;font-size:.85rem;margin-bottom:10px;display:none;}
  @media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none;transition:none;}}
/* ===== GUIDE / ARTICLE PAGES ===== */
.page-hero{padding:112px 0 24px;position:relative;overflow:hidden;}
.crumbs{font-size:.8rem;color:var(--dim);margin-bottom:14px;}
.crumbs a:hover{color:var(--gold2);}
.page-hero h1{font-size:clamp(1.9rem,4.6vw,2.9rem);font-weight:800;max-width:820px;}
.page-hero .lead{color:var(--muted);font-size:1.08rem;max-width:720px;margin-top:14px;}
.byline{display:flex;align-items:center;gap:12px;margin-top:20px;font-size:.84rem;color:var(--dim);}
.byline img{width:42px;height:42px;border-radius:50%;object-fit:cover;border:1px solid var(--line2);}
.byline b{color:#e6e6ee;font-weight:600;}
.article{max-width:760px;margin:0 auto;padding:12px 22px 40px;}
.article h2{font-size:clamp(1.35rem,3.4vw,1.75rem);font-weight:700;margin:42px 0 12px;color:#fff;}
.article h3{font-size:1.08rem;margin:26px 0 8px;color:var(--gold3);}
.article p,.article li{color:#c9c9d3;font-size:1.02rem;}
.article p{margin-bottom:14px;}
.article ul,.article ol{margin:0 0 16px 22px;}
.article li{margin-bottom:8px;}
.article a{color:var(--gold2);text-decoration:underline;text-underline-offset:3px;}
.article strong{color:#fff;}
.short{background:linear-gradient(160deg,#14100a,#0c0c11);border:1px solid var(--line2);border-radius:18px;padding:20px 22px;margin:8px 0 10px;}
.short .eyebrow{display:block;margin-bottom:6px;}
.short p{margin:0;color:#e4e4ec;}
.note{border-left:3px solid var(--gold);padding:6px 0 6px 16px;margin:18px 0;color:var(--gold3);}
.article .tbl-wrap{margin:14px 0 20px;}
.inline-cta{background:var(--card);border:1px solid var(--line2);border-radius:18px;padding:22px;margin:30px 0;text-align:center;}
.inline-cta p{color:var(--muted);margin-bottom:14px;}
.inline-cta .cta-row{justify-content:center;margin-top:0;}
.article details{margin-bottom:10px;}
.sources{font-size:.86rem;color:var(--dim);border-top:1px solid var(--line);margin-top:36px;padding-top:18px;}
.sources li,.sources p{font-size:.86rem;color:var(--dim);}
.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-top:14px;}
.related a{display:block;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;color:#e6e6ee;font-weight:600;}
.related a:hover{border-color:var(--line2);color:var(--gold2);}
.related a span{display:block;font-weight:400;color:var(--muted);font-size:.88rem;margin-top:4px;}