:root{
    --gold:#D4AF68;            /* primary */
    --gold-dark:#B18B45;       /* hover / interactive */
    --gold-deep:#8f6f2f;       /* strong accent */
    --bronze:#5c4a26;          /* deep text accent */
    --ink:#2b2620;             /* headings */
    --body:#4a4238;            /* body text */
    --muted:#7d7263;           /* secondary text */
    --cream:#FBF7EE;           /* page background */
    --tint:#F5EDDA;            /* section tint */
    --panel:#ffffff;
    --line:#e7dcc5;
    --line-gold:#E5D3A3;
    --radius:14px;
    --shadow:0 10px 30px rgba(143,111,47,.10);
    --max:1320px;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}

  /* ---- Typography spec: Montserrat-Light, line-height 1.5, full-width wrap ---- */
  body{
    margin:0;
    font-family:"Montserrat","Segoe UI",system-ui,-apple-system,sans-serif;
    font-weight:300;
    font-size:18px;            /* content */
    line-height:1.5;           /* full text */
    color:var(--body);
    background:var(--cream);
    -webkit-font-smoothing:antialiased;
  }
  a{color:var(--gold-deep);text-decoration:none}
  a:hover{color:var(--gold-dark)}

  .wrap{max-width:var(--max);margin:0 auto;padding:0 48px;width:100%}
  h1,h2,h3,h4{color:var(--ink);font-weight:700;line-height:1.5;margin:0 0 .5em;width:100%}

  /* main title 60px bold */
  h1{font-size:60px;font-weight:700;letter-spacing:-.02em}
  /* body / section title 48px bold */
  h2{font-size:48px;font-weight:700;letter-spacing:-.01em}
  h3{font-size:20px;font-weight:700}

  /* eyebrow */
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    font-size:14px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
    color:var(--gold-deep);line-height:1.5;
  }
  .eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);display:inline-block}

  /* ---------------- Hero ---------------- */
  .hero{
    position:relative;padding:72px 0 48px;overflow:hidden;
    background:
      radial-gradient(1100px 480px at 85% -10%, rgba(212,175,104,.32), transparent 60%),
      radial-gradient(700px 420px at 8% 110%, rgba(212,175,104,.22), transparent 55%),
      linear-gradient(180deg,#fdfaf3,#FBF7EE);
  }
  .hero .wrap{position:relative}
  .hero .lead{width:100%}
  .hero .sub{font-size:20px;max-width:70%;margin:14px 0 30px;color:var(--body)}
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap}

  .btn{
    display:inline-flex;align-items:center;gap:8px;
    background:linear-gradient(135deg,var(--gold),var(--gold-dark));
    color:#fff;font-weight:700;padding:12px 24px;border-radius:999px;
    border:0;cursor:pointer;box-shadow:0 8px 20px rgba(177,139,69,.28);
    transition:transform .15s ease,box-shadow .15s ease;font-size:18px;line-height:1.5;
  }
  .btn:hover{color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(177,139,69,.36)}
  .btn.ghost{background:transparent;border:1.5px solid var(--gold-dark);color:var(--gold-deep);box-shadow:none}
  .btn.ghost:hover{background:var(--tint)}

  .stats{
    list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(158px,1fr));
    gap:14px;margin:38px 0 0;padding:0;
  }
  .stats li{
    background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
    padding:18px 20px;box-shadow:var(--shadow);
  }
  .stats .k{font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}
  .stats .v{font-size:30px;font-weight:700;color:var(--bronze);margin-top:4px}

  /* ---------------- Section shell ---------------- */
  section{padding:72px 0}
  section.alt{background:var(--tint)}
  .sec-head{width:100%;margin-bottom:36px}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .sec-head.center .eyebrow{justify-content:center}
  .sec-head p{color:var(--muted);margin:0;font-size:20px}

  /* ---------------- Cards (content 18px) ---------------- */
  .grid-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  .card{
    background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
    padding:26px;box-shadow:var(--shadow);
  }
  .card .ico{
    width:46px;height:46px;border-radius:12px;display:grid;place-items:center;
    background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:#fff;margin-bottom:14px;
  }
  .card h3{font-size:20px;font-weight:700}
  .card p{font-size:18px;color:var(--body);margin:0}
  .card p strong{color:var(--bronze)}
  .card ul{margin:8px 0 0;padding-left:20px}
  .card li{font-size:18px;margin-top:8px}

  /* ---------------- Steps (EXPANDED, NOT collapsible) ---------------- */
  .steps{display:grid;gap:18px}
  .step{
    background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
    padding:26px 30px;box-shadow:var(--shadow);width:100%;
  }
  .step-head{display:flex;align-items:baseline;gap:14px;border-bottom:1px solid var(--line-gold);padding-bottom:14px;margin-bottom:16px}
  .step-head .no{color:var(--gold-deep);font-weight:700;font-size:18px;flex:0 0 auto}
  .step-head h3{margin:0;font-size:24px;font-weight:700}
  .step-body p{margin:0 0 12px;font-size:18px}
  .step-body ul{margin:0 0 12px;padding-left:22px}
  .step-body li{font-size:18px;margin-bottom:8px}
  .step-body .note{
    margin-top:14px;padding:14px 18px;border-left:3px solid var(--gold);
    background:var(--tint);border-radius:0 8px 8px 0;font-size:18px;color:var(--body);
  }

  /* ---------------- Two-column terms (label/value) ---------------- */
  .terms{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
  .term-head2{
    display:flex;align-items:baseline;gap:14px;border-bottom:1px solid var(--line-gold);
    padding-bottom:14px;margin-bottom:16px;
  }
  .term-head2 .no{color:var(--gold-deep);font-weight:700;font-size:18px;flex:0 0 auto}
  .term-head2 h3{margin:0;font-size:22px;font-weight:700}

  /* ---------------- FAQ (COLLAPSIBLE accordion) ---------------- */
  .faq-list{display:grid;gap:16px;max-width:960px;margin:0 auto}
  .faq{
    background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
    box-shadow:var(--shadow);width:100%;overflow:hidden;
  }
  .faq>summary{
    list-style:none;cursor:pointer;display:flex;align-items:center;gap:12px;
    padding:22px 26px;font-size:20px;font-weight:700;color:var(--ink);line-height:1.5;
  }
  .faq>summary::-webkit-details-marker{display:none}
  .faq>summary .q{color:var(--gold-deep);flex:0 0 auto}
  .faq>summary .chev{margin-left:auto;color:var(--gold-dark);flex:0 0 auto;transition:transform .2s ease}
  .faq[open]>summary .chev{transform:rotate(180deg)}
  .faq>.ans{padding:0 26px 24px 62px;color:var(--body);font-size:18px}
  .faq>.ans p{margin:0}

  /* ---------------- CTA ---------------- */
  .cta{
    background:
      radial-gradient(600px 300px at 20% 0%, rgba(255,255,255,.10), transparent 60%),
      linear-gradient(135deg,#3a3226,#241f18);
    color:#f3ecdc;border-radius:var(--radius);padding:52px 48px;text-align:center;overflow:hidden;width:100%;
  }
  .cta h2{color:#fff}
  .cta h2{text-wrap:balance}
  .cta p{color:#cfc4ad;max-width:780px;margin:0 auto 26px;font-size:20px;text-wrap:balance}

  @media (max-width:900px){
    .wrap{padding:0 24px}
    h1{font-size:40px}
    h2{font-size:32px}
    .hero .sub{max-width:100%}
    section{padding:52px 0}
    .cta{padding:40px 24px}
    .grid-facts{grid-template-columns:repeat(2,1fr)}
  }
  @media (max-width:600px){
    h1{font-size:32px}
    h2{font-size:28px}
    h3,.card h3,.step-head h3,.term-head2 h3{font-size:20px}
    .grid-facts{grid-template-columns:1fr}
  }