:root{--navy:#0F1226;--navy-2:#16193A;--navy-3:#1F2347;--ink:#0B0D1C;--paper:#fff;--mist:#F5F7FB;--line:#E6E9F2;--text:#1A1D33;--text-soft:#5A6079;--text-invert-soft:#A6ABC6;--gold:#F5C518;--gold-deep:#D9A800;--green:#22C55E;--green-deep:#16A34A;--radius:16px;--shadow-sm:0 1px 2px rgba(15,18,38,.06),0 2px 8px rgba(15,18,38,.05);--shadow:0 10px 30px rgba(15,18,38,.10);--shadow-lg:0 24px 60px rgba(15,18,38,.18);--maxw:1180px;--ease:cubic-bezier(.22,.61,.36,1)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em;font-weight:800}
h1{font-size:clamp(2rem,5vw,3.4rem);font-weight:900;letter-spacing:-.035em}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem)}h3{font-size:1.2rem}
p{margin:0 0 1rem}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.section{padding:clamp(56px,8vw,104px) 0}.section--mist{background:var(--mist)}
.section--navy{background:var(--navy);color:#fff}.section--navy h2,.section--navy h3{color:#fff}.section--navy p{color:var(--text-invert-soft)}
.center{text-align:center}.lead{font-size:1.1rem;color:var(--text-soft);max-width:64ch}.center .lead{margin-left:auto;margin-right:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;font-size:.98rem;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;transition:transform .2s var(--ease),box-shadow .2s,background .2s;white-space:nowrap}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.btn--primary{background:var(--green);color:#06230F;box-shadow:0 8px 20px rgba(34,197,94,.32)}.btn--primary:hover{background:var(--green-deep);transform:translateY(-2px)}
.btn--gold{background:var(--gold);color:#2B2200;box-shadow:0 8px 20px rgba(245,197,24,.3)}.btn--gold:hover{background:var(--gold-deep);transform:translateY(-2px)}
.btn--ghost{background:transparent;color:var(--text);border:1.5px solid var(--line)}.btn--ghost:hover{border-color:var(--navy);background:var(--mist)}
.btn--ghost-invert{background:rgba(255,255,255,.06);color:#fff;border:1.5px solid rgba(255,255,255,.22)}.btn--ghost-invert:hover{background:rgba(255,255,255,.12)}
.btn--lg{padding:17px 34px;font-size:1.05rem}
.header{position:fixed;inset:0 0 auto;z-index:60;transition:.3s;border-bottom:1px solid transparent}
.header__inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.1rem;letter-spacing:-.02em;color:#fff;transition:color .3s}
.brand .mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--gold),var(--gold-deep));display:grid;place-items:center;color:#2B2200;font-weight:900}
.nav{display:flex;align-items:center;gap:26px}.nav a{font-size:.92rem;font-weight:600;color:rgba(255,255,255,.86)}.nav a:hover{color:#fff}
.header__cta{display:flex;align-items:center;gap:14px}
.header.scrolled{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(14px);box-shadow:var(--shadow-sm);border-color:var(--line)}
.header.scrolled .brand{color:var(--text)}.header.scrolled .nav a{color:var(--text-soft)}.header.scrolled .nav a:hover{color:var(--text)}
.burger{display:none;background:none;border:0;cursor:pointer;width:42px;height:42px}.burger span{display:block;width:22px;height:2px;background:#fff;margin:5px auto;transition:.3s;border-radius:2px}
.header.scrolled .burger span{background:var(--text)}
.drawer{position:fixed;inset:0;z-index:70;background:var(--navy);transform:translateX(100%);transition:transform .35s var(--ease);display:flex;flex-direction:column;padding:90px 28px 28px;gap:6px}
.drawer.open{transform:translateX(0)}.drawer a{color:#fff;font-size:1.12rem;font-weight:600;padding:14px 4px;border-bottom:1px solid rgba(255,255,255,.08)}
.drawer__close{position:absolute;top:24px;right:24px;background:none;border:0;color:#fff;font-size:2rem;cursor:pointer}
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;padding:128px 0 84px}
.hero--sub{padding:120px 0 64px}
.hero__bg{position:absolute;inset:0;z-index:0;overflow:hidden}
.hero__glow{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5}
.hero__glow.g1{width:500px;height:500px;background:radial-gradient(circle,rgba(245,197,24,.5),transparent 70%);top:-150px;right:-110px}
.hero__glow.g2{width:440px;height:440px;background:radial-gradient(circle,rgba(34,197,94,.42),transparent 70%);bottom:-170px;left:-110px}
.hero__grid-overlay{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:54px 54px;mask-image:radial-gradient(ellipse 80% 60% at 50% 30%,#000,transparent 75%)}
.hero__inner{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.hero h1{color:#fff}.hero h1 .hl{background:linear-gradient(120deg,var(--gold),#FFE07A);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero__sub{font-size:1.14rem;color:var(--text-invert-soft);max-width:54ch;margin-bottom:26px}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.hero__badges{display:flex;flex-wrap:wrap;gap:10px 22px}
.hero__badge{display:inline-flex;align-items:center;gap:8px;font-size:.85rem;font-weight:600;color:var(--text-invert-soft)}
.hero__badge svg{width:17px;height:17px;color:var(--green)}
.quote-card{background:#fff;color:var(--text);border-radius:22px;box-shadow:var(--shadow-lg);padding:26px;position:relative}
.quote-card__head{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px}.quote-card__head h3{margin:0;font-size:1.16rem}
.quote-card__pill{font-size:.72rem;font-weight:700;color:var(--green-deep);background:rgba(34,197,94,.12);padding:5px 11px;border-radius:999px}
.quote-card p.sub{font-size:.88rem;color:var(--text-soft);margin:0 0 16px}
.field{margin-bottom:12px}.field label{display:block;font-size:.8rem;font-weight:600;margin-bottom:5px}
.field select,.field input{width:100%;padding:12px 13px;border:1.5px solid var(--line);border-radius:11px;font:inherit;font-size:.92rem;background:#fff;transition:.2s}
.field select:focus,.field input:focus{outline:0;border-color:var(--green);box-shadow:0 0 0 3px rgba(34,197,94,.15)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.est{display:flex;align-items:baseline;justify-content:space-between;background:var(--mist);border-radius:12px;padding:13px 15px;margin:4px 0 14px}
.est span{font-size:.82rem;color:var(--text-soft);font-weight:600}.est strong{font-size:1.3rem;letter-spacing:-.02em}
.quote-card .btn{width:100%}.quote-note{font-size:.74rem;color:var(--text-soft);text-align:center;margin:10px 0 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.grid-cards{display:grid;gap:16px}.cols-2{grid-template-columns:repeat(2,1fr)}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-4{grid-template-columns:repeat(4,1fr)}
.chip-grid{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 6px}
.chip{display:inline-flex;align-items:center;gap:7px;background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:9px 15px;font-size:.86rem;font-weight:600;transition:.25s var(--ease)}
.chip:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:var(--shadow-sm)}.chip .dot{width:8px;height:8px;border-radius:50%;background:var(--green)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:.3s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}
.card .ico{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;margin-bottom:14px;background:linear-gradient(135deg,rgba(34,197,94,.14),rgba(245,197,24,.14))}
.card .ico svg{width:23px;height:23px;color:var(--green-deep)}.card h3{font-size:1.05rem;margin-bottom:6px}.card p{font-size:.92rem;color:var(--text-soft);margin:0}
.model-card{display:flex;flex-direction:column;justify-content:space-between;gap:16px;background:var(--navy-2);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius);padding:20px;color:#fff;transition:.3s var(--ease);min-height:128px}
.model-card:hover{transform:translateY(-5px);background:var(--navy-3);box-shadow:var(--shadow-lg)}
.model-card h3{color:#fff;font-size:1.04rem;margin:0}.model-card .meta{font-size:.82rem;color:var(--text-invert-soft)}
.model-card .go{display:inline-flex;align-items:center;gap:7px;font-size:.85rem;font-weight:700;color:var(--gold)}.model-card .go svg{width:15px;height:15px;transition:.25s}.model-card:hover .go svg{transform:translateX(4px)}
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative;margin-top:46px}
.step{text-align:center;padding:0 6px;position:relative}
.step__num{width:56px;height:56px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;background:var(--navy);border:2px solid var(--green);color:#fff;font-weight:900;font-size:1.2rem;box-shadow:0 0 0 6px rgba(34,197,94,.16);position:relative;z-index:2}
.step h3{font-size:1.02rem}.step p{font-size:.9rem}
.timeline::before{content:"";position:absolute;top:28px;left:12.5%;right:12.5%;height:2px;background:linear-gradient(90deg,var(--green),var(--gold));opacity:.4;z-index:1}
.payout{width:100%;border-collapse:collapse;margin:8px 0;font-size:.95rem;background:#fff;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-sm)}
.payout th,.payout td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line)}
.payout th{background:var(--mist);font-size:.82rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-soft)}
.payout td:first-child{font-weight:700}.payout tr:last-child td{border-bottom:0}
.prose{max-width:78ch}.prose h2{margin-top:1.3em}.prose h3{margin-top:1.4em;font-size:1.16rem}
.prose p,.prose li{color:var(--text-soft);font-size:1.02rem}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}.prose strong{color:var(--text)}
.faq{max-width:820px;margin:36px auto 0}
.faq__item{border-bottom:1px solid var(--line)}
.faq__q{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:20px 44px 20px 4px;font-size:1.02rem;font-weight:700;color:var(--text);position:relative;font-family:inherit}
.faq__q:focus-visible{outline:2px solid var(--green);outline-offset:2px;border-radius:6px}
.faq__q::after{content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--green-deep);transition:.3s}
.faq__item.open .faq__q::after{transform:translateY(-50%) rotate(45deg)}
.faq__a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}.faq__a p{padding:0 44px 20px 4px;margin:0;color:var(--text-soft);font-size:.97rem}
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-3));border-radius:24px;padding:clamp(34px,6vw,60px);text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(245,197,24,.3),transparent 70%);top:-110px;right:-70px;filter:blur(40px)}
.cta-band h2{color:#fff;position:relative}.cta-band p{color:var(--text-invert-soft);max-width:54ch;margin:0 auto 24px;position:relative}.cta-band .btn{position:relative}
.dir{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.dir a{display:flex;align-items:center;justify-content:space-between;background:#fff;border:1px solid var(--line);border-radius:11px;padding:13px 16px;font-size:.92rem;font-weight:600;transition:.2s var(--ease)}
.dir a:hover{border-color:var(--green);transform:translateX(3px);box-shadow:var(--shadow-sm)}
.dir a span{color:var(--gold-deep);font-weight:800}
.state-grid{columns:4;column-gap:14px}
.state-grid a{display:block;padding:8px 4px;font-size:.92rem;font-weight:600;color:var(--text);border-bottom:1px solid var(--line);break-inside:avoid;transition:color .2s}
.state-grid a:hover{color:var(--green-deep)}
.crumbs{font-size:.84rem;color:var(--text-invert-soft);margin-bottom:18px}.crumbs a{color:#fff;opacity:.8}.crumbs a:hover{opacity:1}
.footer{background:var(--ink);color:var(--text-invert-soft);padding:60px 0 26px}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px;margin-bottom:40px}
.footer h4{color:#fff;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.footer a{display:block;color:var(--text-invert-soft);font-size:.92rem;padding:5px 0;transition:.2s}.footer a:hover{color:#fff}
.footer__brand .brand{margin-bottom:14px}.footer__brand p{font-size:.9rem;max-width:34ch}
.footer__social{display:flex;gap:12px;margin-top:14px}
.footer__social a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);display:grid;place-items:center;padding:0}.footer__social a:hover{background:rgba(255,255,255,.14)}.footer__social svg{width:18px;height:18px;color:#fff}
.footer__bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.82rem}
.disclaimer{font-size:.78rem;color:#6B708C;max-width:80ch;margin-top:12px;line-height:1.5}
.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:55;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(15,18,38,.08);padding:10px 14px;display:none;gap:10px;align-items:center}
.sticky-bar .btn{flex:1;padding:13px;font-size:.92rem}
.sticky-bar a.icon{flex:0 0 auto;width:48px;height:48px;border-radius:12px;border:1.5px solid var(--line);display:grid;place-items:center;color:var(--text)}.sticky-bar a.icon svg{width:20px;height:20px}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}
@media(max-width:980px){.hero__inner,.split{grid-template-columns:1fr;gap:34px}.hero__inner .quote-card{max-width:460px}.cols-4,.cols-3{grid-template-columns:repeat(2,1fr)}.timeline{grid-template-columns:repeat(2,1fr);gap:32px 22px}.timeline::before{display:none}.state-grid{columns:3}.footer__grid{grid-template-columns:1fr 1fr}}
@media(max-width:720px){.nav,.header__cta .btn{display:none}.burger{display:block}.hero{padding:104px 0 60px}.cols-4,.cols-3,.cols-2,.dir{grid-template-columns:1fr}.field-row{grid-template-columns:1fr}.state-grid{columns:2}.sticky-bar{display:flex}.footer__grid{grid-template-columns:1fr}body{padding-bottom:72px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}