:root{--bg:#f6f1ea;--surface:#fffaf4;--text:#171717;--muted:#5a5a5a;--navy:#0d1626;--gold:#f0b43a;--orange:#e97a18;--red:#b72014;--border:rgba(0,0,0,.08);--shadow:0 14px 40px rgba(0,0,0,.12);--radius:22px;--max:1200px}
*{box-sizing:border-box} body{margin:0;font-family:Inter,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.5} a{text-decoration:none;color:inherit} img{max-width:100%;display:block}
.container{width:min(var(--max),calc(100% - 32px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:40;background:rgba(11,17,28,.9);backdrop-filter:blur(10px);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;gap:12px;font-weight:900}.brand img{width:44px;height:44px}.brand-stack{display:flex;flex-direction:column;line-height:1}.brand-title{font-size:1.9rem}.brand-tag{font-size:.82rem;letter-spacing:.18em;color:var(--gold);margin-top:6px}
.nav-links{display:flex;gap:28px;align-items:center}.nav-links a{opacity:.88}.nav-links a:hover{opacity:1}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border-radius:999px;font-weight:700;border:1px solid transparent}
.btn-primary{background:linear-gradient(90deg,var(--gold),var(--orange));color:#111}.btn-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}
.hero{color:#fff;position:relative;overflow:hidden;background:linear-gradient(180deg,#09111e,#0f1727)}
.hero-bg{position:absolute;inset:0;
  /* two-layer background: gradient + photo */
  background-image: linear-gradient(90deg,rgba(9,17,30,.88) 0%,rgba(9,17,30,.68) 40%,rgba(9,17,30,.25) 70%,rgba(9,17,30,.1) 100%), url('assets/hero.jpg');
  /* gradient covers whole area, photo positioned and scaled smaller to "zoom out" */
  background-position: center, right center;
  background-size: auto, 30%; /* lower percent = more of the photo visible (zoomed out) */
  background-repeat: no-repeat, no-repeat;
}
.hero .container{position:relative;padding:92px 0}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.86rem}
.hero h1,.page-hero h1{font-size:clamp(3rem,8vw,6.2rem);line-height:.95;margin:.2em 0 0}.hero h2{font-size:clamp(2rem,6vw,4.2rem);line-height:1;margin:.08em 0 .4em;color:var(--gold)} .hero p,.page-hero p{font-size:clamp(1rem,2vw,1.2rem);max-width:760px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
section{padding:72px 0}.grid-2{display:grid;grid-template-columns:1.05fr .95fr;gap:32px;align-items:center}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)} .image-card{overflow:hidden}
.copy h3{font-size:clamp(2rem,4vw,3rem);line-height:1.05;margin:.2em 0}.copy p{font-size:1.08rem;color:var(--muted)}
.path{background:linear-gradient(180deg,#07111f,#091427);color:#fff}.path h3{text-align:center;font-size:clamp(2rem,4vw,3rem);margin:0 0 24px}
.steps,.help-grid,.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step,.help-card,.benefit{padding:24px 20px;border-radius:24px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);text-align:center}
.step .num{width:54px;height:54px;border-radius:999px;display:grid;place-items:center;margin:0 auto 14px;background:rgba(240,180,58,.18);color:var(--gold);font-weight:900;font-size:1.2rem}
.help-grid .card,.benefit-grid .card{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow)} .help-icon{font-size:2rem;margin-bottom:8px}
.band{background:linear-gradient(180deg,rgba(9,17,30,.92),rgba(9,17,30,.78)),url('assets/hero.jpg') center/cover no-repeat;color:#fff;text-align:center;border-radius:32px;padding:56px 24px}.band h3{font-size:clamp(2rem,4vw,3.2rem);margin:.15em 0}
.footer{background:#09111e;color:#fff;padding:48px 0 26px;margin-top:72px}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,.8fr);gap:24px}.footer h5{font-size:1rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);margin:0 0 14px}.footer a{display:block;margin:10px 0;color:rgba(255,255,255,.82)} .footer small{display:block;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);margin-top:24px;color:rgba(255,255,255,.6)}
.page-hero{background:linear-gradient(180deg,#0d1626,#12203a);color:#fff;padding:72px 0}.page-hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:center}.page-hero .panel{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:28px;overflow:hidden}
.content-section{padding:64px 0}.split-band{display:grid;grid-template-columns:1fr 1fr;gap:20px}.quote-box{padding:28px;background:#fff4e7;border-radius:24px;border:1px solid rgba(233,122,24,.15)} .notice{padding:18px 20px;border-radius:18px;background:#fff8ee;border:1px solid rgba(240,180,58,.35)} .checklist{padding-left:1.2rem}
@media (max-width:980px){.nav-links{display:none}.grid-2,.page-hero .wrap,.split-band,.footer-grid{grid-template-columns:1fr}.steps,.help-grid,.benefit-grid{grid-template-columns:1fr 1fr}}
@media (max-width:680px){.steps,.help-grid,.benefit-grid{grid-template-columns:1fr}section{padding:54px 0}.hero .container{padding:68px 0}}