:root {
  --bg: #07111f;
  --bg-deep: #040b14;
  --surface: #0d1b2b;
  --surface-2: #10243a;
  --text: #f5f7fa;
  --muted: #93a7bc;
  --gold: #d7ad62;
  --gold-bright: #f1cc82;
  --line: rgba(255,255,255,.08);
  --radius: 24px;
  --shadow: 0 28px 70px rgba(0,0,0,.34);
  --container: 1380px;
  --header-height: 76px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; background: var(--bg); }
body {
  margin: 0;
  min-width: 320px;
  color: var(--text);
  background:
    radial-gradient(circle at 12% 10%, rgba(29,82,132,.18), transparent 34%),
    radial-gradient(circle at 90% 15%, rgba(215,173,98,.08), transparent 28%),
    linear-gradient(180deg, var(--bg) 0%, #081625 48%, var(--bg-deep) 100%);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
button { color: inherit; }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.section { padding: 78px 0; scroll-margin-top: 90px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 2000; padding: 10px 14px; border-radius: 12px; background: var(--gold); color: #151009; font-weight: 800; }
.skip-link:focus { top: 12px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  height: var(--header-height);
  border-bottom: 1px solid transparent;
  background: rgba(7,17,31,.72);
  backdrop-filter: blur(18px);
  transition: background .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.site-header.is-scrolled { background: rgba(5,13,23,.92); border-color: var(--line); box-shadow: 0 10px 35px rgba(0,0,0,.18); }
.header-inner { height: 100%; display: flex; align-items: center; gap: 28px; }
.brand { flex: 0 0 auto; }
.brand img { width: 168px; height: auto; }
.site-nav { display: flex; align-items: center; gap: 24px; margin-left: auto; }
.site-nav a { color: #b5c3d1; font-size: .9rem; font-weight: 700; transition: color .2s ease; }
.site-nav a:hover { color: var(--gold-bright); }
.header-cta { margin-left: 2px; }
.menu-toggle { display: none; width: 44px; height: 44px; padding: 10px; border: 0; background: transparent; cursor: pointer; }
.menu-toggle > span:not(.sr-only) { display: block; width: 22px; height: 2px; margin: 4px auto; border-radius: 4px; background: #f3f6f9; }

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 15px;
  font-weight: 850;
  font-size: .92rem;
  transition: transform .2s ease, border-color .2s ease, background .2s ease, box-shadow .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button--small { min-height: 44px; padding-inline: 17px; font-size: .84rem; }
.button--gold { color: #171108; background: linear-gradient(135deg, var(--gold-bright), var(--gold)); box-shadow: 0 12px 30px rgba(215,173,98,.17); }
.button--gold:hover { box-shadow: 0 16px 36px rgba(215,173,98,.24); }
.button--ghost { border-color: rgba(255,255,255,.13); background: rgba(255,255,255,.035); color: #edf2f7; }
.button--ghost:hover { border-color: rgba(215,173,98,.45); background: rgba(215,173,98,.06); }

.eyebrow { display: inline-flex; align-items: center; gap: 10px; color: var(--gold-bright); font-size: .76rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.eyebrow > span { width: 24px; height: 2px; border-radius: 10px; background: linear-gradient(90deg, var(--gold), transparent); }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { letter-spacing: -.035em; }
h2 { margin-bottom: 18px; font-size: clamp(2rem, 4vw, 4rem); line-height: 1.05; }
h2 em, h1 em { color: var(--gold-bright); font-style: normal; }
p { color: var(--muted); }

.hero { position: relative; min-height: 690px; display: flex; align-items: center; overflow: clip; padding: 70px 0 72px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 44px; align-items: center; }
.hero-copy { position: relative; z-index: 2; min-width: 0; }
.hero-title { margin: 18px 0 24px; max-width: 100%; font-size: clamp(2.2rem, 3vw, 3.5rem); line-height: .96; letter-spacing: -.055em; }
.hero-title > span { display: block; white-space: nowrap; }
.hero-lead { max-width: 700px; margin-bottom: 0; font-size: clamp(1rem, 1.5vw, 1.18rem); line-height: 1.68; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.trust-row { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); max-width: 620px; margin-top: 32px; border: 1px solid var(--line); border-radius: 20px; background: rgba(255,255,255,.025); overflow: hidden; }
.trust-row > div { padding: 17px 18px; border-right: 1px solid var(--line); }
.trust-row > div:last-child { border-right: 0; }
.trust-row strong, .trust-row span { display: block; }
.trust-row strong { color: #fff; font-size: .95rem; }
.trust-row span { margin-top: 2px; color: var(--muted); font-size: .73rem; }
.hero-visual { position: relative; min-width: 0; }
.hero-image-wrap { position: relative; width: min(100%, 600px); margin-inline: auto; }
.hero-image-wrap::before { content: ""; position: absolute; inset: -1px; z-index: -1; border-radius: 34px; background: linear-gradient(145deg, rgba(215,173,98,.65), rgba(58,119,177,.15), transparent 72%); transform: rotate(2deg); }
.hero-image-wrap img { width: 100%; aspect-ratio: 1.12; object-fit: cover; object-position: 50% 45%; border-radius: 32px; box-shadow: var(--shadow); }
.hero-orb { position: absolute; border-radius: 999px; filter: blur(80px); pointer-events: none; }
.hero-orb--one { width: 330px; height: 330px; right: 9%; top: 13%; background: rgba(23,81,133,.25); }
.hero-orb--two { width: 240px; height: 240px; left: -80px; bottom: 10%; background: rgba(215,173,98,.09); }

.section-heading { max-width: 830px; margin-bottom: 34px; }
.section-heading > p { max-width: 760px; margin-bottom: 0; font-size: 1.03rem; }
.quick-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.quick-card { min-height: 205px; padding: 24px; border: 1px solid var(--line); border-radius: 22px; background: linear-gradient(180deg, rgba(255,255,255,.035), rgba(255,255,255,.016)); }
.quick-card > span { display: inline-grid; place-items: center; width: 40px; height: 40px; margin-bottom: 25px; border-radius: 12px; color: var(--gold-bright); background: rgba(215,173,98,.08); border: 1px solid rgba(215,173,98,.18); font-size: .75rem; font-weight: 900; }
.quick-card h3 { margin-bottom: 9px; font-size: 1.16rem; }
.quick-card p { margin-bottom: 0; font-size: .86rem; }
.quick-card--accent { border-color: rgba(215,173,98,.28); background: linear-gradient(150deg, rgba(215,173,98,.105), rgba(255,255,255,.02)); }
.profession-note { display: grid; grid-template-columns: 175px 1fr; gap: 24px; align-items: center; margin-top: 18px; padding: 18px; border: 1px solid var(--line); border-radius: 22px; background: rgba(255,255,255,.025); }
.profession-note img { width: 175px; height: 112px; object-fit: cover; object-position: 50% 46%; border-radius: 16px; }
.profession-note strong { display: block; margin-bottom: 5px; font-size: 1.08rem; }
.profession-note p { margin-bottom: 0; font-size: .9rem; }

.income-section { border-block: 1px solid rgba(255,255,255,.045); background: linear-gradient(180deg, rgba(12,31,51,.48), rgba(6,18,31,.62)); }
.income-layout { display: grid; grid-template-columns: 1.05fr .95fr; gap: 52px; align-items: center; }
.income-copy h2 { max-width: 650px; }
.income-copy > p { max-width: 650px; }
.income-goals { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 28px; }
.income-goals button { position: relative; padding: 18px; border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.022); color: var(--text); text-align: left; cursor: pointer; transition: transform .18s ease, border-color .18s ease, background .18s ease, box-shadow .18s ease; }
.income-goals button:hover { transform: translateY(-2px); border-color: rgba(215,173,98,.32); }
.income-goals button.is-active { transform: translateY(-3px); border-color: rgba(241,204,130,.62); background: linear-gradient(145deg, rgba(215,173,98,.15), rgba(255,255,255,.025)); box-shadow: 0 16px 36px rgba(0,0,0,.2); }
.income-goals button.is-active::after { content: "✓"; position: absolute; right: 13px; top: 13px; display: grid; place-items: center; width: 25px; height: 25px; border-radius: 9px; color: #171108; background: var(--gold-bright); font-size: .72rem; font-weight: 950; }
.income-goals strong, .income-goals span { display: block; }
.income-goals strong { color: var(--gold-bright); font-size: clamp(1.22rem, 2.4vw, 1.7rem); line-height: 1.05; }
.income-goals span { margin-top: 7px; color: #93a7bc; font-size: .78rem; }
.disclaimer { margin: 14px 0 0; font-size: .72rem !important; color: #72869a !important; }
.calculator { padding: 30px; border: 1px solid rgba(215,173,98,.2); border-radius: 28px; background: linear-gradient(145deg, rgba(18,43,68,.82), rgba(8,22,38,.94)); box-shadow: var(--shadow); }
.pill { display: inline-flex; padding: 7px 10px; border-radius: 999px; color: var(--gold-bright); background: rgba(215,173,98,.08); border: 1px solid rgba(215,173,98,.15); font-size: .69rem; font-weight: 850; letter-spacing: .05em; text-transform: uppercase; }
.calculator--goal h3 { margin: 17px 0 24px; font-size: clamp(2.05rem, 4.2vw, 3.6rem); line-height: .98; }
.calculator--goal h3 > span { color: var(--gold-bright); }
.calculator--goal h3 > small { display: block; margin-top: 8px; color: #d5dde5; font-size: .32em; letter-spacing: 0; font-weight: 750; }
.goal-metric { padding: 22px; border: 1px solid rgba(255,255,255,.08); border-radius: 20px; background: rgba(3,12,21,.34); }
.goal-metric > span, .goal-metric > small { display: block; color: var(--muted); }
.goal-metric > span { font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; }
.goal-metric > strong { display: block; margin: 7px 0 6px; color: #fff; font-size: clamp(1.55rem, 3.2vw, 2.4rem); line-height: 1.05; }
.goal-metric > small { font-size: .76rem; }
.goal-message { margin-top: 16px; padding: 16px 18px; border-left: 3px solid var(--gold); border-radius: 0 14px 14px 0; background: rgba(215,173,98,.055); }
.goal-message span { color: var(--gold-bright); font-size: .73rem; font-weight: 850; text-transform: uppercase; letter-spacing: .06em; }
.goal-message p { margin: 5px 0 0; color: #afbdca; font-size: .84rem; }
.calculator-actions { display: grid; grid-template-columns: 1fr; gap: 9px; margin-top: 18px; }
.calculator-actions .button { width: 100%; }

.start-panel { display: grid; grid-template-columns: .72fr 1.28fr; gap: 44px 56px; padding: 36px; border: 1px solid rgba(215,173,98,.16); border-radius: 30px; background: radial-gradient(circle at 0 0, rgba(215,173,98,.08), transparent 28%), rgba(255,255,255,.022); }
.start-copy p { margin-bottom: 0; }
.timeline { grid-column: 2; grid-row: 1 / 3; list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.timeline li { display: grid; grid-template-columns: 54px 1fr; gap: 16px; align-items: center; padding: 18px; border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.022); }
.timeline li > span { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 13px; color: #171108; background: linear-gradient(135deg, var(--gold-bright), var(--gold)); font-size: .72rem; font-weight: 950; }
.timeline h3 { margin-bottom: 3px; font-size: 1rem; }
.timeline p { margin-bottom: 0; font-size: .8rem; }
.start-actions { display: flex; flex-wrap: wrap; gap: 10px; align-self: end; }

.faq-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: 60px; align-items: start; }
.faq-intro { position: sticky; top: 108px; }
.faq-intro p { max-width: 390px; }
.faq-list { display: grid; gap: 10px; }
.faq-item { border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.02); overflow: hidden; }
.faq-item h3 { margin: 0; }
.faq-item button { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 20px 22px; border: 0; background: transparent; text-align: left; cursor: pointer; font-weight: 850; }
.faq-item button i { display: grid; place-items: center; flex: 0 0 30px; width: 30px; height: 30px; border-radius: 10px; color: var(--gold-bright); background: rgba(215,173,98,.08); font-style: normal; transition: transform .2s ease; }
.faq-answer { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .24s ease; }
.faq-answer > p { min-height: 0; overflow: hidden; margin: 0; padding: 0 22px; font-size: .86rem; }
.faq-item.is-open .faq-answer { grid-template-rows: 1fr; }
.faq-item.is-open .faq-answer > p { padding-bottom: 20px; }
.faq-item.is-open button i { transform: rotate(45deg); }

.site-footer { padding: 38px 0 28px; border-top: 1px solid var(--line); background: #040b13; }
.footer-main { display: flex; justify-content: space-between; gap: 34px; align-items: center; }
.footer-brand img { width: 160px; }
.footer-brand p { max-width: 430px; margin: 10px 0 0; font-size: .78rem; }
.footer-links { display: flex; flex-wrap: wrap; gap: 12px 22px; justify-content: flex-end; }
.footer-links a { color: #c4d0dc; font-size: .8rem; font-weight: 750; }
.footer-links a:hover { color: var(--gold-bright); }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; align-items: flex-end; margin-top: 26px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.055); }
.footer-legal { max-width: 980px; display: grid; gap: 7px; }
.footer-legal p { margin: 0; color: #6f8295; font-size: .69rem; line-height: 1.6; }
.footer-disclaimer { color: #8296aa !important; }
.footer-bottom--legal { align-items: flex-start; }
.footer-bottom > span { flex: 0 0 auto; color: #62778c; font-size: .69rem; }

.mobile-cta { display: none; position: fixed; z-index: 950; left: 10px; right: 10px; bottom: 10px; padding: 7px; gap: 7px; border: 1px solid rgba(215,173,98,.18); border-radius: 19px; background: rgba(5,13,23,.9); backdrop-filter: blur(18px); box-shadow: 0 18px 50px rgba(0,0,0,.38); }
.mobile-cta .button { min-height: 48px; flex: 1 1 0; padding-inline: 12px; }

.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .55s ease, transform .55s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 1020px) {
  .site-nav { gap: 16px; }
  .site-nav a { font-size: .82rem; }
  .header-cta { display: none; }
  .hero-grid { gap: 42px; }
  .hero-title { font-size: clamp(2.2rem, 3vw, 3.5rem); }
  .quick-grid { grid-template-columns: repeat(2, 1fr); }
  .income-layout { gap: 30px; }
}

@media (max-width: 820px) {
  :root { --header-height: 68px; }
  .section { padding: 62px 0; }
  .menu-toggle { display: block; margin-left: auto; }
  .site-nav { position: fixed; left: 14px; right: 14px; top: 76px; display: grid; gap: 0; padding: 10px; border: 1px solid var(--line); border-radius: 20px; background: rgba(6,16,28,.98); box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(-10px); transition: .2s ease; }
  .site-nav.is-open { opacity: 1; visibility: visible; transform: none; }
  .site-nav a { padding: 13px 12px; border-radius: 12px; font-size: .9rem; }
  .site-nav a:hover { background: rgba(255,255,255,.04); }
  .hero { min-height: auto; padding: 62px 0 64px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { text-align: center; }
  .hero-title { font-size: clamp(2.8rem, 6vw, 3.6rem); }
  .hero-copy .eyebrow, .hero-actions { justify-content: center; }
  .hero-lead { margin-inline: auto; }
  .trust-row { margin-inline: auto; }
  .hero-image-wrap { width: min(86vw, 600px); }
  .income-layout { grid-template-columns: 1fr; }
  .start-panel, .faq-grid { grid-template-columns: 1fr; }
  .timeline { grid-column: 1; grid-row: auto; }
  .faq-intro { position: static; }
  .faq-intro p { max-width: 560px; }
}

@media (max-width: 620px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 46px 0; }
  .brand img { width: 148px; }
  .hero { padding-top: 46px; }
  .hero-title { margin-top: 14px; font-size: clamp(2.65rem, 14vw, 4rem); line-height: .95; }
  .hero-title > span { white-space: normal; }
  .hero-lead { font-size: .98rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .button { width: 100%; }
  .trust-row { grid-template-columns: 1fr 1fr 1fr; width: 100%; }
  .trust-row > div { padding: 13px 8px; }
  .trust-row strong { font-size: .78rem; }
  .trust-row span { font-size: .62rem; }
  .hero-image-wrap { width: min(92vw, 560px); }
  .hero-image-wrap img { border-radius: 25px; }
  h2 { font-size: clamp(2rem, 10vw, 3rem); }
  .section-heading { margin-bottom: 26px; }
  .quick-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .quick-card { min-height: 188px; padding: 18px; }
  .quick-card > span { margin-bottom: 18px; }
  .quick-card h3 { font-size: 1rem; }
  .quick-card p { font-size: .78rem; }
  .profession-note { grid-template-columns: 105px 1fr; gap: 14px; padding: 13px; }
  .profession-note img { width: 105px; height: 105px; }
  .profession-note strong { font-size: .92rem; }
  .profession-note p { font-size: .76rem; }
  .income-goals { grid-template-columns: 1fr 1fr; }
  .calculator { padding: 23px 18px; border-radius: 23px; }
  .start-panel { padding: 23px 18px; border-radius: 23px; }
  .timeline li { grid-template-columns: 48px 1fr; padding: 15px; }
  .timeline li > span { width: 42px; height: 42px; }
  .start-actions { flex-direction: column; }
  .start-actions .button { width: 100%; }
  .faq-item button { padding: 18px; }
  .faq-answer > p { padding-inline: 18px; }
  .footer-main, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .footer-links { justify-content: flex-start; }
  .mobile-cta { display: flex; }
  body { padding-bottom: 78px; }
}

@media (max-width: 390px) {
  .hero-title { font-size: 2.52rem; }
  .quick-card { min-height: 180px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .001ms !important; transition-duration: .001ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}