:root {
  --forest: #0f3d32;
  --forest-2: #165a49;
  --teal: #1f7a66;
  --leaf: #3d9b7a;
  --gold: #c9a227;
  --gold-2: #e0bc4a;
  --gold-dim: rgba(201, 162, 39, 0.16);
  --cream: #f4efe4;
  --paper: #fbf8f2;
  --ink: #1a2420;
  --muted: #5a6b64;
  --line: #ddd6c8;
  --white: #ffffff;
  --warn-bg: #fff6e5;
  --warn: #6b4e12;
  --ok: #1f6b4a;
  --danger: #8a2f2f;
  --shadow: 0 18px 50px rgba(15, 61, 50, 0.12);
  --radius: 18px;
  --font: "Outfit", system-ui, sans-serif;
  --serif: "Fraunces", Georgia, serif;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  min-height: 100vh;
}

img { max-width: 100%; display: block; }
a { color: var(--forest-2); }
h1, h2, h3, .brand-name, .display {
  font-family: var(--serif);
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--forest);
}

button, input, select, textarea { font-family: inherit; }

.skip-link {
  position: absolute;
  left: 12px;
  top: -48px;
  background: var(--gold);
  color: var(--forest);
  padding: 8px 14px;
  z-index: 80;
  border-radius: 8px;
  font-weight: 600;
}
.skip-link:focus { top: 12px; }

.wrap {
  width: min(1160px, calc(100% - 40px));
  margin-inline: auto;
}

.disclosure {
  background: var(--forest);
  color: #e6efe9;
  font-size: 0.8rem;
  padding: 9px 16px;
  text-align: center;
  line-height: 1.45;
}
.disclosure a { color: var(--gold-2); }
.disclosure strong { color: var(--gold-2); font-weight: 600; }

.topbar {
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 8px 0;
}
.topbar .wrap {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(251, 248, 242, 0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  text-decoration: none;
  min-width: 200px;
}
.brand img { height: 48px; width: auto; }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line);
  width: 44px;
  height: 44px;
  border-radius: 10px;
  cursor: pointer;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--forest);
  margin: auto;
  position: relative;
}
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.site-nav > a,
.site-nav .sub-btn {
  padding: 10px 13px;
  border-radius: 999px;
  font-weight: 500;
  font-size: 0.93rem;
  color: var(--forest);
  background: none;
  border: 0;
  cursor: pointer;
  text-decoration: none;
}
.site-nav > a:hover,
.site-nav .sub-btn:hover,
.site-nav > a[aria-current="page"] {
  background: var(--gold-dim);
}

.has-sub { position: relative; }
.sub-menu {
  display: none;
  position: absolute;
  right: 0;
  top: calc(100% + 8px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  min-width: 210px;
  padding: 8px;
  box-shadow: var(--shadow);
}
.has-sub:hover .sub-menu,
.has-sub:focus-within .sub-menu,
.has-sub.open .sub-menu { display: grid; }
.sub-menu a {
  padding: 10px 12px;
  border-radius: 10px;
  font-size: 0.9rem;
  text-decoration: none;
  color: var(--forest);
}
.sub-menu a:hover { background: var(--cream); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 999px;
  padding: 13px 22px;
  font-weight: 600;
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: 0.2s ease;
}
.btn-gold { background: var(--gold); color: var(--forest); }
.btn-gold:hover { background: var(--gold-2); }
.btn-navy { background: var(--forest); color: var(--paper); }
.btn-navy:hover { background: var(--forest-2); }
.btn-ghost {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--white);
}
.btn-line {
  background: transparent;
  border-color: var(--forest);
  color: var(--forest);
}

.hero {
  position: relative;
  min-height: 74vh;
  display: grid;
  align-items: end;
  color: var(--white);
  overflow: hidden;
  background: var(--forest);
}
.hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11, 42, 36, 0.2) 0%, rgba(11, 42, 36, 0.82) 70%);
}
.hero-copy {
  position: relative;
  z-index: 1;
  padding: 72px 0 56px;
}
.hero-copy h1 {
  color: var(--white);
  font-size: clamp(2.1rem, 5vw, 3.5rem);
  max-width: 16ch;
  margin: 10px 0 16px;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }

.kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 600;
  margin: 0;
}
.hero .kicker { color: var(--gold-2); }

.lead {
  font-size: 1.12rem;
  max-width: 62ch;
  color: var(--muted);
}
.hero .lead { color: #dce8e2; }

.page-hero {
  padding: 48px 0 10px;
}
.page-hero h1 {
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  max-width: 18ch;
}

.section { padding: 56px 0; }

.section-head {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 24px;
  align-items: end;
  margin-bottom: 28px;
}
.section-head p { margin: 0; color: var(--muted); }

.trust {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust article {
  background: var(--paper);
  padding: 22px 20px;
}
.trust strong { display: block; font-family: var(--serif); color: var(--forest); margin-bottom: 6px; }
.trust span { color: var(--muted); font-size: 0.92rem; }

.split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}
.frame {
  margin: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--forest);
}
.muted { color: var(--muted); }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.card-body { padding: 20px 20px 22px; }
.card h3 { margin: 8px 0 8px; font-size: 1.25rem; }
.card p { margin: 0; color: var(--muted); }
.tag {
  display: inline-block;
  background: var(--gold-dim);
  color: var(--forest);
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
  padding: 4px 9px;
  border-radius: 999px;
}
.card-icon {
  height: 120px;
  background: linear-gradient(145deg, var(--forest-2), var(--forest));
  display: grid;
  place-items: center;
  color: var(--gold-2);
  font-family: var(--serif);
  font-size: 2.4rem;
}

.cover-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}
.cover-grid span,
.cover-grid a {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 12px;
  text-align: center;
  color: var(--forest);
  text-decoration: none;
  font-weight: 500;
}

.cta-band {
  background: var(--forest);
  color: #dce8e2;
  border-radius: 24px;
  padding: 40px 36px;
}
.cta-band h2 { color: var(--white); }
.cta-band .kicker { color: var(--gold-2); }
.cta-band a { color: inherit; }

.notice {
  background: var(--warn-bg);
  border: 1px solid #ead7a6;
  color: var(--warn);
  padding: 12px 14px;
  border-radius: 12px;
  font-size: 0.92rem;
}
.notice a { color: var(--warn); }

.prose { max-width: 72ch; }
.prose h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
.prose h2 { margin-top: 1.6em; font-size: 1.45rem; }
.prose p, .prose li { color: #2a3531; }
.prose ul, .prose ol { padding-left: 1.2em; }
.prose a { color: var(--teal); }

.legal-layout {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 40px;
  align-items: start;
}
.legal-nav {
  position: sticky;
  top: 96px;
  display: grid;
  gap: 4px;
}
.legal-nav a {
  padding: 9px 12px;
  border-radius: 10px;
  text-decoration: none;
  color: var(--forest);
  font-size: 0.92rem;
}
.legal-nav a[aria-current="page"],
.legal-nav a:hover { background: var(--gold-dim); }

.table-wrap { overflow-x: auto; }
table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}
th, td {
  text-align: left;
  padding: 12px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
th {
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

.form {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 28px;
}
.form h2 { margin-top: 0; }
.form-note { color: var(--muted); font-size: 0.92rem; }
.form label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin: 14px 0 6px;
}
.form input,
.form select,
.form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 14px;
  background: var(--paper);
  color: var(--ink);
}
.form textarea { min-height: 120px; resize: vertical; }
.form-error { color: var(--danger); font-size: 0.9rem; }
.success {
  display: none;
  background: #e8f6ee;
  color: var(--ok);
  padding: 12px 14px;
  border-radius: 12px;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
.calc-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 24px;
}
.calc-card h2 { margin-top: 0; font-size: 1.3rem; }
.calc-result {
  margin-top: 16px;
  background: var(--cream);
  border-radius: 14px;
  padding: 14px 16px;
  font-weight: 600;
  color: var(--forest);
}
.calc-result span { display: block; font-weight: 400; color: var(--muted); font-size: 0.88rem; margin-top: 4px; }

.glossary dt {
  font-family: var(--serif);
  color: var(--forest);
  font-size: 1.15rem;
  margin-top: 22px;
}
.glossary dd { margin: 6px 0 0; color: var(--muted); }

.ads-grid {
  display: grid;
  gap: 10px;
}
.ad-card {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 12px 14px;
}
.ad-card code {
  font-family: ui-monospace, Consolas, monospace;
  font-size: 0.92rem;
  color: var(--forest);
  white-space: pre-wrap;
}
.count { font-size: 0.75rem; color: var(--muted); margin-top: 4px; }
.copy-btn {
  border: 1px solid var(--line);
  background: var(--cream);
  border-radius: 999px;
  padding: 8px 14px;
  cursor: pointer;
  font-weight: 600;
  color: var(--forest);
  flex-shrink: 0;
}
.kw-wrap { display: flex; flex-wrap: wrap; gap: 8px; }
.kw {
  background: var(--cream);
  border-radius: 999px;
  padding: 7px 12px;
  font-size: 0.88rem;
}
.kw.neg { background: #f8e8e8; color: var(--danger); }

.site-footer {
  background: var(--forest);
  color: #d4e0da;
  padding: 56px 0 24px;
  margin-top: 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 28px;
}
.site-footer h3 {
  color: var(--gold-2);
  font-size: 1rem;
  margin: 0 0 12px;
  font-family: var(--serif);
}
.site-footer a {
  display: block;
  padding: 4px 0;
  color: #d4e0da;
  text-decoration: none;
}
.site-footer a:hover { color: var(--gold-2); }
.site-footer .disclaimer-foot {
  font-size: 0.82rem;
  color: #a9bdb4;
  max-width: 48ch;
}
.legal-tiny {
  margin-top: 36px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.82rem;
  color: #93a89f;
}

.cookie-banner {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 60;
  background: var(--forest);
  color: var(--paper);
  border-radius: 18px;
  padding: 18px 20px;
  display: none;
  box-shadow: var(--shadow);
  max-width: 920px;
  margin-inline: auto;
}
.cookie-banner.show {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 16px;
  align-items: center;
}
.cookie-banner p { margin: 0; font-size: 0.92rem; color: #d4e0da; }
.cookie-banner a { color: var(--gold-2); }
.cookie-actions { display: flex; gap: 8px; flex-wrap: wrap; }

.contact-facts {
  display: grid;
  gap: 12px;
}
.contact-facts article {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px 18px;
}
.contact-facts strong { display: block; color: var(--forest); }

@media (max-width: 960px) {
  .nav-toggle { display: grid; }
  .site-nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 20px;
  }
  .site-nav.open { display: flex; }
  .sub-menu {
    position: static;
    display: none;
    box-shadow: none;
    border: 0;
    padding-left: 12px;
  }
  .has-sub.open .sub-menu { display: grid; }
  .trust, .cards, .split, .section-head, .legal-layout, .cover-grid, .footer-grid, .cookie-banner.show, .calc-grid {
    grid-template-columns: 1fr;
  }
  .hero { min-height: 68vh; }
  .legal-nav { position: static; }
}