:root{
  --navy:#2b1f16;--navy2:#3a2a1c;--blue:#d98b2b;--blue-d:#b06e1c;--blueglow:#f0b968;
  --red:#c05a1e;--red-d:#a34a17;--ink:#26221c;--ink2:#6b6153;--line:#ece0cf;--bgalt:#f8f1e6;--iconbg:#f6ecd9;--white:#fff;
  --shadow:0 6px 22px rgba(43,31,22,.10);--shadow-lg:0 14px 40px rgba(43,31,22,.17);
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--ink);line-height:1.65;background:var(--white);-webkit-font-smoothing:antialiased}
a{color:var(--blue-d);text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.2;font-weight:800;color:var(--navy);letter-spacing:-.02em}
p{margin-bottom:14px}
.svgi{width:1em;height:1em;vertical-align:-.13em;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.util{background:var(--navy);color:#cbb597;font-size:.82rem;border-bottom:1px solid rgba(255,255,255,.08)}
.util .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:8px 22px;flex-wrap:wrap}
.util .u-l{display:flex;gap:20px;flex-wrap:wrap}
.util .u-l span{display:inline-flex;align-items:center;gap:6px}
.util .u-l .svgi{color:var(--blueglow)}
.util a{color:#fff;font-weight:700}
header{background:var(--white);position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(43,31,22,.08)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 22px}
.logo{display:flex;align-items:center;gap:10px;font-size:1.26rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.logo .lm{color:var(--blue)}
.logo svg{flex:0 0 auto}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{color:var(--navy);font-weight:600;font-size:.95rem;padding:9px 12px;border-radius:8px;transition:.15s}
nav.main a:hover{background:var(--bgalt);color:var(--blue-d)}
.callbtn{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff;font-weight:700;padding:11px 20px;border-radius:10px;font-size:.98rem;box-shadow:0 4px 14px rgba(192,90,30,.32);transition:.15s}
.callbtn:hover{background:var(--red-d);color:#fff;transform:translateY(-1px)}
.hero{position:relative;background:linear-gradient(160deg,#2b1f16 0%,#3a2a1c 55%,#4a3626 100%);color:#fff;overflow:hidden;padding:76px 0 96px}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 78% 18%,rgba(217,139,43,.30),transparent 46%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;max-width:900px;text-align:center}
.pill{display:inline-flex;align-items:center;gap:8px;background:rgba(217,139,43,.18);border:1px solid rgba(240,185,104,.4);color:#f3e6d0;font-weight:600;font-size:.9rem;padding:7px 16px;border-radius:100px;margin-bottom:22px}
.pill .dot{width:8px;height:8px;border-radius:50%;background:#7ed08a;box-shadow:0 0 0 4px rgba(126,208,138,.25)}
.hero h1{font-size:2.9rem;color:#fff;margin-bottom:16px}
.hero h1 .hl{color:var(--blueglow)}
.hero .sub{font-size:1.2rem;color:#e8d6bf;max-width:730px;margin:0 auto 30px;font-weight:500}
.cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:30px}
.btn{display:inline-flex;align-items:center;gap:9px;padding:15px 30px;border-radius:12px;font-size:1.08rem;font-weight:700;transition:.16s;border:2px solid transparent;background:var(--red);color:#fff;box-shadow:0 8px 22px rgba(192,90,30,.36)}
.btn:hover{background:var(--red-d);color:#fff;transform:translateY(-2px)}
.btn-red{background:var(--red);color:#fff;box-shadow:0 8px 22px rgba(192,90,30,.36)}
.btn-red:hover{background:var(--red-d);color:#fff}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.4);box-shadow:none}
.btn-ghost:hover{background:rgba(255,255,255,.14);color:#fff}
.herotrust{display:flex;gap:10px 26px;justify-content:center;flex-wrap:wrap;color:#d3bb98;font-size:.92rem;font-weight:600}
.herotrust span{display:inline-flex;align-items:center;gap:7px}
.herotrust .svgi{color:var(--blueglow)}
.wave{position:absolute;left:0;right:0;bottom:-1px;z-index:1;line-height:0}
.wave svg{width:100%;height:60px;display:block}
.stats{background:var(--white);margin-top:-1px}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:0 22px;transform:translateY(-40px)}
.stat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 20px;text-align:center;box-shadow:var(--shadow)}
.stat .ic{width:46px;height:46px;border-radius:12px;background:var(--iconbg);display:flex;align-items:center;justify-content:center;margin:0 auto 12px;color:var(--blue-d)}
.stat b{display:block;font-size:1.05rem;color:var(--navy);font-weight:800;line-height:1.25}
.stat small{color:var(--ink2);font-size:.85rem}
section{padding:56px 0}
section.tight{padding:20px 0 56px}
.alt{background:var(--bgalt)}
.sec-head{max-width:760px;margin:0 auto 30px;text-align:center}
.sec-head .kicker{color:var(--blue-d);font-weight:700;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px}
h2{font-size:2rem}
.lead-block h2{margin-bottom:16px}
h3{font-size:1.22rem;margin:22px 0 8px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:8px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px;box-shadow:var(--shadow);transition:.18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#e5cfa8}
.card .cic{width:52px;height:52px;border-radius:13px;background:linear-gradient(140deg,#f6ecd9,#ecd9b8);display:flex;align-items:center;justify-content:center;color:var(--blue-d);margin-bottom:15px}
.card h3{margin:0 0 8px;font-size:1.18rem}
.card h3 a{color:var(--navy)}
.card p{margin:0;color:var(--ink2);font-size:.97rem}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 22px 24px;box-shadow:var(--shadow)}
.step .num{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1.1rem;margin-bottom:14px}
.step h3{margin:0 0 6px;font-size:1.08rem}
.step p{margin:0;color:var(--ink2);font-size:.93rem}
ul.checks{list-style:none;margin:6px 0;display:grid;grid-template-columns:1fr 1fr;gap:6px 30px}
ul.checks li{padding:9px 0 9px 34px;position:relative;color:var(--ink);border-bottom:1px solid var(--line)}
ul.checks li:before{content:"";position:absolute;left:0;top:11px;width:22px;height:22px;border-radius:50%;background:#e4f6ec}
ul.checks li:after{content:"✓";position:absolute;left:6px;top:8px;color:#1e9e5a;font-weight:800;font-size:.85rem}
ul.warn{list-style:none;margin:14px 0;display:grid;grid-template-columns:1fr 1fr;gap:6px 30px}
ul.warn li{padding:9px 0 9px 34px;position:relative;color:var(--ink);border-bottom:1px solid var(--line)}
ul.warn li:before{content:"!";position:absolute;left:0;top:9px;width:22px;height:22px;border-radius:50%;background:#fbe6d3;color:var(--red);font-weight:800;text-align:center;line-height:22px;font-size:.85rem}
.areatags{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.areatags span{background:#fff;border:1px solid var(--line);border-radius:100px;padding:8px 16px;font-weight:600;font-size:.92rem;color:var(--navy);box-shadow:var(--shadow)}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin-bottom:12px;box-shadow:var(--shadow)}
.faq-item h3{margin:0 0 6px;font-size:1.1rem;display:flex;gap:10px;align-items:flex-start}
.faq-item h3 .q{color:var(--blue-d);font-weight:800}
.faq-item p{margin:0;color:var(--ink2)}
.finalcta{background:linear-gradient(160deg,#2b1f16,#4a3626);color:#fff;text-align:center;border-radius:22px;padding:52px 26px;box-shadow:var(--shadow-lg)}
.finalcta h2{color:#fff;font-size:2rem;margin-bottom:10px}
.finalcta p{color:#e8d6bf;font-size:1.1rem;margin-bottom:24px}
footer{background:var(--navy);color:#c9b598;padding:44px 0 30px;font-size:.95rem}
footer .wrap{display:grid;gap:8px}
footer .fbrand{color:#fff;font-weight:800;font-size:1.15rem;display:flex;align-items:center;gap:9px;margin-bottom:6px}
footer a{color:#f0e2d2}
footer .fnav{margin:6px 0}
footer .fnav a{margin-right:16px;display:inline-block;line-height:2}
footer .fcopy{color:#9c8467;margin-top:12px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px}
@media(max-width:900px){.stats .wrap{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}
@media(max-width:760px){nav.main{display:none}.hero h1{font-size:2.05rem}.hero .sub{font-size:1.05rem}ul.checks,ul.warn{grid-template-columns:1fr}.util .u-l span:nth-child(2){display:none}}
@media(max-width:520px){.stats .wrap{grid-template-columns:1fr}.steps{grid-template-columns:1fr}h2{font-size:1.6rem}}