:root{--ink:#0A0A0A;--ink-2:#5E5E5E;--paper:#FFFFFF;--paper-2:#F6F6F4;--line:#E6E6E3;--gold:#C9A24D;--gold-text:#80611B;--gold-wash:#F7F0E1;--gain:#1F6F45;--attention:#8A5A00;--loss:#A8322A;--dark-2:#A3A3A3;--dark-line:#262626}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,"Helvetica Neue",Arial,system-ui,sans-serif;color:var(--ink);background:var(--paper);font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink)}
a:hover{color:var(--ink-2)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:var(--paper);padding:8px 12px;border-radius:8px;z-index:10}
.skip:focus{left:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.num{font-variant-numeric:tabular-nums}
/* header */
.site-header{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.logo img{height:18px;width:auto}
.nav{display:flex;align-items:center;gap:28px}
.nav a{font-size:15px;text-decoration:none}
.nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:6px;text-decoration-thickness:2px}
.menu{display:none}
@media (max-width:860px){
 .nav .link{display:none}
 .menu{display:block;position:relative}
 .menu summary{list-style:none;cursor:pointer;font-size:15px;min-height:44px;display:flex;align-items:center;padding:0 4px}
 .menu summary::-webkit-details-marker{display:none}
 .menu-panel{position:absolute;right:0;top:48px;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:8px;display:flex;flex-direction:column;min-width:220px}
 .menu-panel a{padding:12px;text-decoration:none;border-radius:8px}
 .menu-panel a:hover{background:var(--paper-2)}
 .nav .btn{display:none}
}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:8px;background:var(--ink);color:var(--paper);font-size:15px;font-weight:500;text-decoration:none;border:1px solid var(--ink);cursor:pointer;font-family:inherit}
.btn:hover{background:#262626;color:var(--paper)}
.btn-sm{min-height:44px;padding:0 18px;font-size:14px}
.btn-ghost{background:transparent;color:var(--ink)}
.btn-ghost:hover{background:var(--paper-2);color:var(--ink)}
.btn-light{background:var(--paper);color:var(--ink);border-color:var(--paper)}
.btn-light:hover{background:var(--paper-2);color:var(--ink)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
/* type */
.eyebrow{margin:0 0 16px;font-size:12px;line-height:16px;font-weight:500;letter-spacing:2px;text-transform:uppercase;color:var(--ink-2)}
h1,h2,h3{font-weight:500;margin:0}
h1{font-size:clamp(40px,6vw,60px);line-height:1.04;letter-spacing:-1.6px}
h2{font-size:clamp(28px,4vw,40px);line-height:1.15;letter-spacing:-.8px;max-width:760px}
h3{font-size:20px;line-height:28px}
.lead{margin:20px 0 0;max-width:640px;font-size:clamp(17px,1.6vw,19px);line-height:1.6;color:var(--ink-2)}
.muted{color:var(--ink-2)}
.small{font-size:14px;line-height:20px;color:var(--ink-2)}
/* sections */
section{padding:96px 0}
.band{background:var(--paper-2)}
.dark{background:var(--ink);color:var(--paper)}
.dark .eyebrow,.dark .lead,.dark .muted{color:var(--dark-2)}
.dark a{color:var(--paper)}
.split{display:flex;flex-wrap:wrap;gap:56px;align-items:center;justify-content:space-between}
.split>*{flex:1 1 400px;max-width:540px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px;margin-top:48px}
.card{border:1px solid var(--line);border-radius:12px;padding:28px;background:var(--paper)}
.card p{margin:8px 0 0;color:var(--ink-2)}
.steps{list-style:none;padding:0;margin:48px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px}
.steps li{border-top:2px solid var(--ink);padding-top:20px}
.steps .n{font-size:13px;font-weight:500;color:var(--ink-2)}
.steps h3{margin:8px 0}
.steps p{margin:0;color:var(--ink-2)}
.list{list-style:none;padding:0;margin:0}
.list li{padding:20px 0;border-top:1px solid var(--line)}
.list li:last-child{border-bottom:1px solid var(--line)}
.list p{margin:6px 0 0;color:var(--ink-2);font-size:15px}
.dark .list li{border-color:var(--dark-line)}
.dark .list p{color:var(--dark-2)}
/* hero */
.hero{padding:88px 0 104px}
.hero .lead{max-width:560px}
.note{margin:20px 0 0;font-size:14px;color:var(--ink-2)}
/* sample cards */
.sample{border:1px solid var(--line);border-radius:12px;background:var(--paper);padding:24px}
.sample-head{display:flex;justify-content:space-between;gap:12px;font-size:12px;color:var(--ink-2)}
.sample-head strong{font-weight:500;letter-spacing:2px;text-transform:uppercase}
.big{margin:4px 0 0;font-size:40px;line-height:44px;font-weight:500;letter-spacing:-1px}
.row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:14px 0;border-top:1px solid var(--line)}
.row span:first-child{display:flex;flex-direction:column;gap:2px;font-size:15px}
.row small{font-size:13px;color:var(--ink-2)}
.row b{font-weight:600;white-space:nowrap}
.attention{color:var(--attention)}
.gain{color:var(--gain)}
.wash{margin-top:12px;padding:14px 16px;border-radius:8px;background:var(--gold-wash);font-size:14px;line-height:20px}
/* stats */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px;margin-top:56px}
.stat{border-top:1px solid var(--line);padding-top:20px}
.stat .big{margin:0}
.stat p{margin:12px 0 0}
.stat .src{margin-top:8px;font-size:13px;color:var(--ink-2)}
/* faq */
.faq details{border-top:1px solid var(--line);padding:20px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-size:18px;line-height:26px;font-weight:500;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";color:var(--ink-2);font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq summary::-webkit-details-marker{display:none}
.faq p{margin:12px 0 0;max-width:760px;color:var(--ink-2)}
/* table */
.table-wrap{overflow-x:auto;margin-top:24px}
table{width:100%;min-width:720px;border-collapse:collapse}
th{text-align:left;padding:14px 16px;font-size:12px;font-weight:500;letter-spacing:1.5px;text-transform:uppercase;color:var(--ink-2);border-bottom:1px solid var(--ink)}
td{padding:18px 16px;font-size:15px;line-height:22px;border-bottom:1px solid var(--line);vertical-align:top}
td strong{font-weight:500}
/* cta */
.cta .split>*{max-width:560px}
.cta h2{font-size:clamp(32px,5vw,48px);letter-spacing:-1.2px}
.cta-box{border:1px solid var(--dark-line);border-radius:12px;padding:28px}
.cta-box p{margin:0 0 16px;color:var(--dark-2)}
/* footer */
.site-footer{background:var(--ink);color:var(--paper);padding:64px 0 48px;border-top:1px solid var(--dark-line)}
.site-footer a{color:var(--paper);text-decoration:none}
.site-footer a:hover{color:var(--dark-2)}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:40px}
.foot-cols{display:flex;flex-wrap:wrap;gap:56px}
.foot-cols div{display:flex;flex-direction:column;gap:12px;font-size:15px}
.foot-label{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--dark-2)}
.foot-legal{margin-top:48px;padding-top:24px;border-top:1px solid var(--dark-line);display:flex;flex-direction:column;gap:10px;font-size:13px;line-height:20px;color:var(--dark-2)}
.foot-legal p{margin:0}
.prose{max-width:760px}
.prose h2{margin-top:48px;font-size:24px;line-height:32px}
.prose p,.prose li{color:var(--ink-2)}
@media (max-width:640px){section{padding:72px 0}.hero{padding:56px 0 72px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.dark .btn-light,.dark .btn-light:hover{color:var(--ink)}

.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:16px;border:1px solid var(--dark-line);border-radius:12px;padding:28px;position:relative}
.lead-form .field{display:flex;flex-direction:column;gap:6px;min-width:0}
.lead-form .consent,.lead-form button,.lead-form .form-msg{grid-column:1/-1}
.lead-form label{font-size:14px;color:var(--dark-2)}
.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel],.lead-form select{min-height:48px;width:100%;border-radius:8px;border:1px solid #3A3A3A;background:#141414;color:#fff;padding:0 14px;font:inherit;font-size:16px}
.lead-form select{appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,#A3A3A3 50%),linear-gradient(135deg,#A3A3A3 50%,transparent 50%);background-position:calc(100% - 20px) 21px,calc(100% - 15px) 21px;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
.lead-form input:focus,.lead-form select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.prefix{display:flex}.prefix span{display:flex;align-items:center;padding:0 12px;border:1px solid #3A3A3A;border-right:0;border-radius:8px 0 0 8px;background:#1c1c1c;color:var(--dark-2);font-size:16px}.prefix input{border-radius:0 8px 8px 0 !important}
.lead-form .consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:18px;flex-wrap:wrap}
.lead-form .consent input{width:18px;height:18px;margin:2px 0 0;accent-color:#C9A24D;flex:none}
.lead-form .consent span{flex:1}
.lead-form .err{display:block;width:100%;font-size:13px;color:#F08A7A}
.form-msg{margin:0;font-size:14px;color:var(--dark-2)}.form-msg.ok{color:#6CC795}.form-msg.bad{color:#F08A7A}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
@media(max-width:640px){.lead-form{grid-template-columns:1fr;padding:20px}}