:root {
  --bg: #f7f8fa;
  --surface: #ffffff;
  --surface-2: #f0f4f8;
  --text: #0f172a;
  --text-2: #475569;
  --muted: #64748b;
  --border: #e2e8f0;
  --accent: #f05a28;
  --accent-dark: #d94e20;
  --navy: #102033;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}

a { color: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px clamp(18px, 5vw, 64px);
  background: rgba(255, 255, 255, .94);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(12px);
}

.brand { text-decoration: none; }
.brand-mark, .footer-brand {
  color: var(--text);
  font-size: 22px;
  font-weight: 900;
  letter-spacing: 0;
}
.brand-mark span, .footer-brand span { color: var(--accent); }

.top-nav {
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--text-2);
  font-size: 13px;
  font-weight: 700;
}
.top-nav a { text-decoration: none; white-space: nowrap; }
.top-nav a:hover { color: var(--accent); }
.nav-cta {
  padding: 8px 12px;
  border-radius: 6px;
  background: var(--accent);
  color: #fff !important;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, .7fr);
  gap: 32px;
  min-height: calc(100vh - 78px);
  align-items: center;
  padding: clamp(36px, 6vw, 78px) clamp(18px, 5vw, 64px);
  background: linear-gradient(135deg, #fff 0%, #f7f8fa 52%, #fff4ef 100%);
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--accent);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
}

h1, h2, h3 { line-height: 1.15; letter-spacing: 0; }
h1 { margin: 0; font-size: clamp(36px, 7vw, 72px); max-width: 860px; }
h2 { margin: 0 0 14px; font-size: clamp(24px, 3vw, 38px); }
h3 { margin: 0 0 10px; font-size: 18px; }
p { margin: 0 0 14px; color: var(--text-2); }

.hero-text {
  max-width: 710px;
  margin-top: 18px;
  font-size: clamp(16px, 2vw, 20px);
}

.owner-note {
  color: var(--text);
  font-weight: 700;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 18px;
  border-radius: 7px;
  font-weight: 800;
  text-decoration: none;
}
.btn.primary { background: var(--accent); color: #fff; }
.btn.primary:hover { background: var(--accent-dark); }
.btn.secondary { background: #fff; border: 1px solid var(--border); color: var(--text); }

.hero-panel {
  display: grid;
  gap: 12px;
}
.hero-panel div, .cards article, .legal-box, .side-panel, .trust-strip div {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, .06);
}
.hero-panel div { padding: 18px; }
.hero-panel strong, .trust-strip strong {
  display: block;
  margin-bottom: 4px;
  font-size: 14px;
}
.hero-panel span, .trust-strip span {
  color: var(--text-2);
  font-size: 13px;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  padding: 18px clamp(18px, 5vw, 64px);
  background: var(--navy);
}
.trust-strip div {
  padding: 16px;
  background: rgba(255,255,255,.07);
  border-color: rgba(255,255,255,.12);
  box-shadow: none;
}
.trust-strip strong { color: #fff; }
.trust-strip span { color: rgba(255,255,255,.72); }

.section, .page-hero, .content-shell, .faq-list {
  padding: clamp(34px, 6vw, 72px) clamp(18px, 5vw, 64px);
}
.section-head { max-width: 760px; margin-bottom: 24px; }
.cards {
  display: grid;
  gap: 16px;
}
.cards.three { grid-template-columns: repeat(3, 1fr); }
.cards article { padding: 22px; }

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 420px);
  gap: 28px;
  align-items: start;
  background: #fff;
}

.text-link, .side-panel a {
  color: var(--accent);
  font-weight: 800;
  text-decoration: none;
}
.legal-box, .side-panel { padding: 22px; }

.page-hero {
  background: #fff;
  border-bottom: 1px solid var(--border);
}
.page-hero p { max-width: 820px; font-size: 17px; }

.breadcrumbs {
  display: flex;
  gap: 8px;
  margin-bottom: 18px;
  color: var(--muted);
  font-size: 13px;
}
.breadcrumbs a { color: var(--accent); text-decoration: none; font-weight: 700; }

.content-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 28px;
  align-items: start;
}
.content-main {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: clamp(22px, 4vw, 42px);
}
.content-section + .content-section {
  margin-top: 28px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}
.content-section h2 { font-size: 24px; }

.side-panel {
  position: sticky;
  top: 86px;
}

.faq-list {
  display: grid;
  gap: 10px;
  max-width: 980px;
  margin: 0 auto;
}
details {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 18px;
}
summary {
  cursor: pointer;
  color: var(--text);
  font-weight: 800;
}
details p { margin: 12px 0 0; }

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.78);
  padding: 40px clamp(18px, 5vw, 64px) 22px;
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(260px, 1.4fr) 1fr .7fr;
  gap: 30px;
}
.footer-brand { color: #fff; margin-bottom: 10px; }
.site-footer h2 {
  color: #fff;
  font-size: 14px;
  margin-bottom: 12px;
}
.site-footer p { color: rgba(255,255,255,.72); }
.legal-line { font-weight: 700; color: #fff !important; }
.footer-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(120px, 1fr));
  gap: 8px 14px;
}
.footer-links a {
  color: rgba(255,255,255,.75);
  text-decoration: none;
  font-size: 13px;
}
.footer-links a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  margin-top: 30px;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.12);
  color: rgba(255,255,255,.56);
  font-size: 12px;
}

@media (max-width: 900px) {
  .hero, .split, .content-shell, .footer-grid { grid-template-columns: 1fr; }
  .trust-strip, .cards.three { grid-template-columns: repeat(2, 1fr); }
  .side-panel { position: static; }
}

@media (max-width: 640px) {
  .site-header { align-items: flex-start; flex-direction: column; }
  .top-nav { width: 100%; overflow-x: auto; padding-bottom: 2px; }
  .hero { min-height: auto; }
  .trust-strip, .cards.three { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}