:root{
  --ink:#121316;
  --muted:rgba(18,19,22,.70);
  --paper:#fff8f1;
  --paper2:#fff1e4;
  --line: rgba(18,19,22,.10);
  --accent:#ff6a00;
  --accent2:#ff8a33;
  --shadow: 0 18px 44px rgba(18,19,22,.10);
  --radius: 18px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(900px 420px at 15% 0%, rgba(255,106,0,.16), transparent 62%),
    radial-gradient(860px 460px at 95% 18%, rgba(255,138,51,.12), transparent 60%),
    linear-gradient(180deg, var(--paper), var(--paper2));
  line-height:1.55;
}
a{color:inherit}
.container{width:min(1140px, 92%); margin:0 auto}

.skip{
  position:absolute; left:-999px; top:auto; width:1px; height:1px; overflow:hidden;
}
.skip:focus{
  left:16px; top:16px; width:auto; height:auto;
  padding:10px 12px;
  border-radius:12px;
  background:#fff;
  border:1px solid var(--line);
  z-index:999;
}

.masthead{
  position:sticky; top:0; z-index:50;
  background: rgba(255,248,241,.72);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--line);
}
.mast-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
}
.brand{display:flex; gap:12px; align-items:center}
.brand-mark{
  width:42px; height:42px; border-radius: 14px;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  box-shadow: 0 12px 24px rgba(255,106,0,.16);
}
.brand-text strong{display:block; font-weight:900}
.brand-text span{display:block; font-size:12px; color:var(--muted); margin-top:2px}
.mast-actions{display:flex; gap:10px; flex-wrap:wrap}
.badge-link{
  text-decoration:none;
  padding:10px 14px;
  border-radius: 999px;
  border:1px solid rgba(255,106,0,.35);
  background: rgba(255,106,0,.10);
  font-weight:800;
}
.badge-link.ghost{
  border-color: var(--line);
  background: rgba(18,19,22,.03);
}

.hero{
  padding:56px 0 26px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:18px;
  align-items:start;
}
.tag{
  margin:0 0 10px;
  font-size:12px;
  letter-spacing:.18em;
  text-transform:uppercase;
  color: rgba(18,19,22,.68);
}
h1{
  margin:0 0 12px;
  font-size: clamp(34px, 4.4vw, 56px);
  line-height:1.05;
}
.lead{
  margin:0 0 18px;
  color: var(--muted);
  max-width: 70ch;
}
.cta-row{display:flex; gap:10px; flex-wrap:wrap; margin-bottom:18px}

.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px;
  border-radius: 14px;
  border:1px solid var(--line);
  background: rgba(18,19,22,.03);
  text-decoration:none;
  font-weight:800;
  transition: transform .08s ease, box-shadow .2s ease;
}
.btn:hover{transform: translateY(-1px)}
.btn.primary{
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  border-color: rgba(255,106,0,.45);
  color:#1b120a;
  box-shadow: 0 14px 26px rgba(255,106,0,.14);
}
.btn.full{width:100%}

.tiles{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:10px;
}
.tile{
  padding:14px;
  border-radius: var(--radius);
  border:1px solid var(--line);
  background: rgba(255,255,255,.55);
  box-shadow: 0 10px 20px rgba(18,19,22,.06);
}
.tile-top{display:block; font-weight:900}
.tile-btm{display:block; margin-top:4px; font-size:13px; color:var(--muted)}

.hero-card{
  border-radius: calc(var(--radius) + 10px);
  border:1px solid rgba(18,19,22,.10);
  background: rgba(255,255,255,.62);
  box-shadow: var(--shadow);
  overflow:hidden;
}
.card-top{
  padding:18px;
  background:
    linear-gradient(135deg, rgba(255,106,0,.10), rgba(255,255,255,.0));
  border-bottom:1px solid rgba(18,19,22,.08);
}
.card-top h2{margin:0 0 6px; font-size:18px}
.card-top p{margin:0; color:var(--muted); font-size:14px}

.form{padding:18px; display:flex; flex-direction:column; gap:12px}
.field span{display:block; font-size:13px; color:var(--muted); margin-bottom:6px}
input, select{
  width:100%;
  padding:12px 12px;
  border-radius: 14px;
  border:1px solid rgba(18,19,22,.14);
  background: rgba(255,248,241,.65);
  outline:none;
}
input:focus, select:focus{
  border-color: rgba(255,106,0,.62);
  box-shadow: 0 0 0 4px rgba(255,106,0,.16);
}
.fine{margin:2px 0 0; color:var(--muted); font-size:12px}
.link{color: rgba(255,106,0,.96); text-decoration:none}
.link:hover{text-decoration:underline}
.msg{
  display:none;
  margin:0 18px 18px;
  padding:12px 12px;
  border-radius:14px;
  border:1px dashed rgba(255,106,0,.45);
  background: rgba(255,106,0,.10);
}
.card-foot{
  padding:16px 18px;
  border-top:1px solid rgba(18,19,22,.08);
  background: rgba(255,241,228,.45);
}
.foot-item{display:flex; flex-direction:column; gap:4px}
.foot-k{font-size:12px; color:var(--muted); font-weight:800; letter-spacing:.06em; text-transform:uppercase}
.foot-v{font-size:13px; color:rgba(18,19,22,.82)}

.section{padding:52px 0}
.section.alt{
  background: rgba(255,255,255,.35);
  border-top:1px solid rgba(18,19,22,.08);
  border-bottom:1px solid rgba(18,19,22,.08);
}
.section-head h2{margin:0 0 10px; font-size:30px}
.section-head p{margin:0; max-width:78ch}
.muted{color:var(--muted)}

.reason-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:12px;
  margin-top:18px;
}
.reason{
  padding:18px;
  border-radius: var(--radius);
  border:1px solid rgba(18,19,22,.10);
  background: rgba(255,255,255,.60);
  box-shadow: 0 10px 18px rgba(18,19,22,.06);
}
.reason h3{margin:0 0 8px; font-size:16px}
.reason p{margin:0; color:var(--muted); font-size:14px}

.flow{
  display:grid;
  gap:12px;
  margin-top:18px;
}
.flow-item{
  display:grid;
  grid-template-columns: 44px 1fr;
  gap:12px;
  align-items:start;
  padding:16px;
  border-radius: var(--radius);
  border:1px solid rgba(18,19,22,.10);
  background: rgba(255,255,255,.55);
}
.flow-num{
  width:44px; height:44px;
  border-radius: 16px;
  display:grid; place-items:center;
  background: rgba(255,106,0,.14);
  border:1px solid rgba(255,106,0,.35);
  font-weight:900;
}
.flow-item h3{margin:0 0 6px; font-size:16px}
.flow-item p{margin:0; color:var(--muted); font-size:14px}

.banner{
  margin-top:18px;
  padding:18px;
  border-radius: calc(var(--radius) + 10px);
  border:1px solid rgba(255,106,0,.26);
  background:
    radial-gradient(900px 320px at 20% 0%, rgba(255,106,0,.14), transparent 62%),
    rgba(255,255,255,.45);
  display:flex;
  justify-content:space-between;
  gap:14px;
  align-items:center;
}
.banner h3{margin:0 0 6px}

.faq{display:flex; flex-direction:column; gap:10px; margin-top:16px}
.faq details{
  padding:14px 16px;
  border-radius: var(--radius);
  border:1px solid rgba(18,19,22,.10);
  background: rgba(255,255,255,.55);
}
.faq summary{cursor:pointer; font-weight:900}
.faq p{margin:10px 0 0; color:var(--muted)}

.footer{
  border-top:1px solid rgba(18,19,22,.10);
  padding:28px 0 18px;
  background: rgba(255,241,228,.55);
}
.foot-grid{
  display:grid;
  grid-template-columns: 1.2fr .6fr .8fr .9fr;
  gap:12px;
  align-items:start;
}
.foot-brand{font-weight:900}
.footer h4{margin:0 0 8px; font-size:13px; color:var(--muted)}
.footer p{margin:0; color:var(--muted); font-size:13px}
.foot-bottom{
  margin-top:16px;
  padding-top:12px;
  border-top:1px solid rgba(18,19,22,.10);
  font-size:12px;
  color: rgba(18,19,22,.62);
}

@media (max-width: 980px){
  .hero-grid{grid-template-columns: 1fr}
  .tiles{grid-template-columns: 1fr}
  .reason-grid{grid-template-columns: 1fr 1fr}
  .banner{flex-direction:column; align-items:flex-start}
  .foot-grid{grid-template-columns: 1fr 1fr}
}
@media (max-width: 520px){
  .reason-grid{grid-template-columns: 1fr}
  .foot-grid{grid-template-columns: 1fr}
}