:root {
  --field: #23211d;
  --field-2: #2f2c27;
  --bg: #efedea;
  --surface: #ffffff;
  --ink: #1c1a17;
  --ink-2: #5b574f;
  --line: #e6e2da;
  --line-dark: rgba(255, 255, 255, 0.09);
  --on-dark: #f4f2ee;
  --on-dark-2: #b9b4aa;
  --accent: #d99a1e;
  --accent-deep: #b57f12;
  --sans: "Rubik", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono: "Azeret Mono", ui-monospace, "Courier New", monospace;
  --ease: cubic-bezier(0.32, 0.72, 0, 1);
  --r-lg: 18px; --r-md: 12px; --r-sm: 10px;
  --pad: clamp(64px, 8vw, 104px);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--sans); font-size: 1.0625rem; line-height: 1.6; font-variant-numeric: tabular-nums; }
h1, h2, h3 { margin: 0; text-wrap: balance; letter-spacing: -0.015em; line-height: 1.1; font-weight: 600; }
p { margin: 0 0 1rem; text-wrap: pretty; }
a { color: inherit; }
button, input, textarea { font: inherit; color: inherit; }
img { display: block; max-width: 100%; height: auto; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }
.wrap { width: min(1120px, 100% - 2 * clamp(20px, 5vw, 48px)); margin-inline: auto; }
.measure { max-width: 58ch; }

/* nav */
.nav { position: sticky; top: 0; z-index: 10; background: rgba(35, 33, 29, 0.86); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); color: var(--on-dark); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; gap: 1rem; }
.brand { font-weight: 600; font-size: 1.3rem; letter-spacing: -0.02em; text-decoration: none; display: inline-flex; align-items: baseline; line-height: 1; }
.brand .dot { color: var(--accent); }
.nav-right { display: flex; align-items: center; gap: 1.1rem; font-size: 0.9rem; }
.lang a { text-decoration: none; color: var(--on-dark-2); }
.lang a[aria-current="page"] { color: var(--on-dark); font-weight: 500; }
.lang span { color: var(--on-dark-2); opacity: 0.5; margin: 0 0.35rem; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.9rem 1.35rem; border-radius: var(--r-sm); border: 1px solid transparent; background: var(--surface); color: var(--ink); font-weight: 500; font-size: 1rem; line-height: 1; text-decoration: none; cursor: pointer; transition: transform 0.35s var(--ease), background-color 0.35s var(--ease), color 0.35s var(--ease), border-color 0.35s var(--ease); }
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: scale(0.98); }
.btn-primary { background: var(--accent); color: var(--ink); }
.btn-primary:hover { background: var(--accent-deep); color: var(--ink); }
.btn-ghost { background: transparent; border-color: rgba(255, 255, 255, 0.35); color: var(--on-dark); }
.btn-ghost:hover { background: rgba(255, 255, 255, 0.08); }
.btn-outline { background: transparent; border-color: var(--ink); color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: var(--on-dark); }
.btn-sm { padding: 0.6rem 1rem; font-size: 0.9rem; }

/* hero */
.hero { position: relative; background: var(--field); color: var(--on-dark); overflow: hidden; }
.hero .photo { position: absolute; inset: 0; }
.hero .photo img { width: 100%; height: 100%; object-fit: cover; object-position: center; filter: saturate(0.85) brightness(0.62) contrast(1.02); }
.hero .photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(35, 33, 29, 0.92) 0%, rgba(35, 33, 29, 0.55) 55%, rgba(35, 33, 29, 0.35) 100%); }
.hero .wrap { position: relative; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(28px, 5vw, 72px); align-items: center; min-height: min(78vh, 720px); padding: clamp(48px, 7vw, 96px) 0; }
.hero .wrap > * { min-width: 0; }
.hero h1 { font-size: clamp(2.3rem, 4.8vw, 3.6rem); max-width: 14ch; margin-bottom: 1rem; }
.hero .lead { font-size: 1.15rem; color: var(--on-dark-2); max-width: 44ch; margin-bottom: 1.6rem; }
.hero .trustline { font-family: var(--mono); font-size: 0.76rem; color: var(--on-dark-2); max-width: 46ch; line-height: 1.5; }

.panel { background: var(--surface); color: var(--ink); border-radius: var(--r-lg); padding: 1.5rem; box-shadow: 0 24px 60px -30px rgba(28, 26, 23, 0.55); display: grid; gap: 0.9rem; animation: rise 0.7s var(--ease) both; }
.panel h2 { font-size: 1.05rem; font-weight: 600; letter-spacing: -0.005em; }
.field { display: grid; gap: 0.35rem; }
.field label { font-size: 0.86rem; color: var(--ink-2); font-weight: 500; }
.field .in { display: flex; align-items: center; border: 1px solid var(--line); background: var(--bg); border-radius: var(--r-md); transition: border-color 0.3s var(--ease); }
.field .in:focus-within { border-color: var(--ink); }
.field .in span { padding: 0 0.85rem; font-family: var(--mono); font-size: 0.9rem; color: var(--ink-2); border-right: 1px solid var(--line); align-self: stretch; display: flex; align-items: center; }
.field input { flex: 1; min-width: 0; border: 0; background: transparent; padding: 0.85rem 0.9rem; font-family: var(--mono); font-size: 1.05rem; outline: none; }
.field input::placeholder { color: #a39f96; }
.panel .note { font-size: 0.82rem; color: var(--ink-2); margin: 0; }
.panel .btn { width: 100%; }
@keyframes rise { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

/* rate tiles */
.rate { padding: var(--pad) 0 0; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.tile { background: var(--surface); border-radius: var(--r-lg); padding: 1.6rem 1.7rem 1.5rem; border: 2px solid transparent; }
.tile.best { border-color: var(--accent); }
.tile .l { font-size: 0.92rem; color: var(--ink-2); font-weight: 500; }
.tile .v { font-size: clamp(2.6rem, 6vw, 4.4rem); font-weight: 600; letter-spacing: -0.02em; line-height: 1; margin: 0.35rem 0 0.4rem; }
.tile .s { font-size: 0.92rem; color: var(--ink-2); font-family: var(--mono); }
.diff { background: var(--surface); border-radius: var(--r-lg); padding: 1.6rem 1.7rem; margin-top: 1rem; display: grid; grid-template-columns: 1fr auto; gap: 1.2rem; align-items: center; }
.diff p { margin: 0; font-size: 1.25rem; font-weight: 500; max-width: 34ch; letter-spacing: -0.01em; }
.diff p b { font-weight: 600; }
.diff .fine { font-size: 0.85rem; color: var(--ink-2); font-family: var(--mono); margin-top: 0.4rem; font-weight: 400; max-width: 60ch; }
.diff .btn { white-space: nowrap; }
.bump { animation: bump 0.45s var(--ease); }
@keyframes bump { 0% { opacity: 0.35; transform: translateY(4px); } 100% { opacity: 1; transform: none; } }

/* trust row */
.trust { padding: 2.2rem 0 0; }
.trust ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem 2rem; }
.trust li { border-top: 1px solid #d9d4cb; padding-top: 0.9rem; font-size: 0.98rem; }
.trust .src { display: block; font-family: var(--mono); font-size: 0.72rem; color: var(--ink-2); margin-top: 0.45rem; }
.trust .src a { color: inherit; text-decoration: none; border-bottom: 1px solid #cfc9be; }

/* sections */
.section { padding: var(--pad) 0 0; }
.section:last-of-type { padding-bottom: var(--pad); }
.section h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); margin-bottom: 1rem; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 72px); align-items: center; }
.row.flip .media { order: 2; }
.row .media { border-radius: var(--r-lg); overflow: hidden; background: var(--field-2); aspect-ratio: 4 / 3; }
.row .media img { width: 100%; height: 100%; object-fit: cover; filter: saturate(0.72) sepia(0.14) contrast(1.02); }
.row p { color: var(--ink-2); font-size: 1.05rem; }
.row p.first { color: var(--ink); }

/* fees container */
.fees { background: var(--surface); border-radius: var(--r-lg); padding: clamp(1.4rem, 3vw, 2.4rem); display: grid; grid-template-columns: 0.8fr 1.2fr; gap: clamp(24px, 4vw, 56px); }
.fees .intro { color: var(--ink-2); }
.fees ul { list-style: none; margin: 0; padding: 0; }
.fees li { display: grid; grid-template-columns: 1fr auto; gap: 1rem; padding: 0.9rem 0; border-top: 1px solid var(--line); align-items: start; }
.fees li:first-child { border-top: 0; padding-top: 0; }
.fees li b { font-weight: 500; display: block; }
.fees li small { display: block; color: var(--ink-2); font-size: 0.9rem; margin-top: 0.1rem; }
.tag { font-size: 0.8rem; font-weight: 500; padding: 0.3rem 0.6rem; border-radius: 6px; background: var(--bg); color: var(--ink); white-space: nowrap; }
.tag.dim { background: transparent; color: var(--ink-2); padding-inline: 0; }

/* dark band */
.band { background: var(--field); color: var(--on-dark); margin-top: var(--pad); }
.band .wrap { padding: var(--pad) 0; display: grid; grid-template-columns: auto 1fr; gap: clamp(24px, 5vw, 72px); align-items: center; }
.band .big { font-size: clamp(3.4rem, 9vw, 7rem); font-weight: 600; letter-spacing: -0.03em; line-height: 0.95; white-space: nowrap; }
.band .big small { display: block; font-size: 1rem; font-weight: 400; letter-spacing: 0; color: var(--on-dark-2); margin-top: 0.6rem; white-space: normal; max-width: 36ch; }
.band p { color: var(--on-dark-2); max-width: 46ch; font-size: 1.05rem; }
.band .btn { margin-top: 0.4rem; }

/* questions */
.qa { display: grid; grid-template-columns: 1fr 1fr; gap: 1.6rem 3rem; }
.qa div { border-top: 1px solid #d9d4cb; padding-top: 1rem; }
.qa h3 { font-size: 1.05rem; font-weight: 600; margin-bottom: 0.4rem; letter-spacing: -0.005em; }
.qa p { color: var(--ink-2); margin: 0; font-size: 0.98rem; }

/* form */
.form-panel { background: var(--surface); border-radius: var(--r-lg); padding: clamp(1.4rem, 3vw, 2.4rem); display: grid; grid-template-columns: 0.75fr 1.25fr; gap: clamp(24px, 4vw, 56px); }
.form-panel .intro { color: var(--ink-2); }
.form .grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem; }
.form .field { margin-bottom: 0.9rem; }
.form input[type="text"], .form input[type="email"], .form textarea { width: 100%; border: 1px solid var(--line); background: var(--bg); padding: 0.85rem 0.9rem; border-radius: var(--r-md); outline: none; transition: border-color 0.3s var(--ease); }
.form input:focus, .form textarea:focus { border-color: var(--ink); }
.form textarea { min-height: 96px; resize: vertical; }
.file { border: 1px dashed #c9c3b8; background: var(--bg); padding: 1rem; border-radius: var(--r-md); display: grid; gap: 0.35rem; }
.file input { font-family: var(--mono); font-size: 0.85rem; }
.file small { color: var(--ink-2); font-size: 0.88rem; }
.form .or { font-size: 0.82rem; color: var(--ink-2); margin: 1rem 0 0.8rem; display: flex; align-items: center; gap: 0.8rem; }
.form .or::before, .form .or::after { content: ""; flex: 1; border-top: 1px solid var(--line); }
.form .actions { display: grid; gap: 0.8rem; margin-top: 1.2rem; }
.form .actions small { color: var(--ink-2); font-size: 0.85rem; }
.hp { position: absolute; left: -9999px; }

/* footer */
.footer { background: var(--field); color: var(--on-dark-2); padding: 2.6rem 0 6rem; font-size: 0.86rem; line-height: 1.6; margin-top: var(--pad); }
.footer .wrap { display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 2rem; }
.footer p { max-width: 62ch; margin-bottom: 0.6rem; }
.footer a { color: var(--on-dark); }

.sticky-cta { display: none; }

@media (prefers-reduced-motion: reduce) {
  .panel { animation: none; }
  .bump { animation: none; }
  .btn, .field .in { transition: none; }
}

@media (max-width: 880px) {
  .hero .wrap { grid-template-columns: 1fr; min-height: 0; }
  .hero .photo::after { background: linear-gradient(180deg, rgba(35, 33, 29, 0.9) 0%, rgba(35, 33, 29, 0.7) 100%); }
  .tiles, .row, .fees, .band .wrap, .qa, .form-panel, .form .grid2, .footer .wrap { grid-template-columns: 1fr; }
  .row.flip .media { order: 0; }
  .diff { grid-template-columns: 1fr; }
  .trust ul { grid-template-columns: 1fr; gap: 0.9rem; }
  .band .big { white-space: normal; font-size: clamp(3rem, 16vw, 4.6rem); }
  .nav-right .btn { display: none; }
  .sticky-cta { display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 9; padding: 0.7rem 1rem calc(0.7rem + env(safe-area-inset-bottom)); background: rgba(239, 237, 234, 0.92); backdrop-filter: blur(8px); border-top: 1px solid #d9d4cb; }
  .sticky-cta .btn { width: 100%; }
}