/* ============ THEME ============ */
:root{
  --cream:#f6f0e4;
  --cream-2:#fbf7ee;
  --paper:#ffffff;
  --line:#e7ddca;
  --maroon:#6a1a2c;
  --maroon-dark:#4d1020;
  --maroon-soft:#8a2a40;
  --gold:#b78a45;
  --ink:#241a1d;
  --muted:#6f6167;
  --radius:14px;
  --shadow:0 24px 60px -34px rgba(77,16,32,.45);
  --shadow-sm:0 12px 30px -22px rgba(77,16,32,.4);
  --max:1180px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,sans-serif;
  background:var(--cream);
  color:var(--ink);
  line-height:1.6;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
}
a{text-decoration:none;color:inherit}
svg{display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 28px}
.container-narrow{max-width:760px}

h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;color:var(--maroon);line-height:1.12;font-weight:600;letter-spacing:-.01em}

.eyebrow{
  display:inline-block;font-weight:600;font-size:.74rem;letter-spacing:.18em;
  text-transform:uppercase;color:var(--gold);margin-bottom:16px;
}
.eyebrow.light{color:#d9b877}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-weight:600;font-size:.95rem;padding:12px 24px;border-radius:10px;
  cursor:pointer;border:1.5px solid transparent;transition:all .2s ease;
}
.btn-primary{background:var(--maroon);color:#fff}
.btn-primary:hover{background:var(--maroon-dark)}
.btn-outline{border-color:var(--line);color:var(--maroon);background:transparent}
.btn-outline:hover{border-color:var(--maroon);background:var(--maroon);color:#fff}

/* ============ TOPBAR ============ */
.topbar{background:var(--maroon-dark);color:#d8c3b6;font-size:.8rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;height:36px}
.topbar-right{display:flex;gap:12px;align-items:center}
.topbar-right a{transition:color .15s}
.topbar-right a:hover{color:#fff}
.topbar .sep{opacity:.5}

/* ============ HEADER ============ */
.header{position:sticky;top:0;z-index:50;background:rgba(246,240,228,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:11px;font-family:'Fraunces',serif;font-size:1.35rem;font-weight:600;color:var(--maroon)}
.logo-mark{width:34px;height:34px;color:var(--maroon)}
.logo-text span{color:var(--gold)}
.nav{display:flex;gap:32px}
.nav a{font-weight:500;font-size:.95rem;color:var(--ink);transition:color .15s}
.nav a:hover{color:var(--maroon)}
.header-actions{display:flex;align-items:center;gap:20px}
.link-login{font-weight:600;font-size:.95rem;color:var(--maroon)}
.link-login:hover{color:var(--maroon-dark)}

.menu-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}
.menu-toggle span{width:22px;height:2px;background:var(--maroon);border-radius:2px;transition:.3s}

/* ============ HERO ============ */
.hero{padding:88px 0 96px;background:
  radial-gradient(760px 380px at 88% 6%, rgba(183,138,69,.14), transparent 60%),
  linear-gradient(180deg,var(--cream),var(--cream-2))}
.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.hero-text h1{font-size:3.35rem;font-weight:600;margin-bottom:22px}
.lead{font-size:1.12rem;color:var(--muted);max-width:500px;margin-bottom:34px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-note{display:flex;align-items:center;gap:9px;font-size:.88rem;color:var(--muted);font-weight:500}
.hero-note svg{width:18px;height:18px;color:var(--gold);flex-shrink:0}

/* hero visual */
.hero-visual{position:relative;display:flex;flex-direction:column;align-items:center;gap:18px}
.finance-card{
  width:100%;max-width:380px;aspect-ratio:1.58/1;border-radius:18px;padding:26px;
  background:
    radial-gradient(120% 120% at 0% 0%, var(--maroon-soft), var(--maroon) 45%, var(--maroon-dark));
  color:#fff;box-shadow:var(--shadow);display:flex;flex-direction:column;justify-content:space-between;
  position:relative;overflow:hidden;
}
.finance-card::after{content:'';position:absolute;inset:0;background:linear-gradient(115deg,transparent 40%,rgba(255,255,255,.08) 50%,transparent 60%)}
.fc-head{display:flex;justify-content:space-between;align-items:center}
.fc-label{font-weight:600;font-size:.92rem;letter-spacing:.02em}
.fc-chip{width:40px;height:30px}
.fc-number{font-size:1.28rem;letter-spacing:.05em;font-weight:500;font-variant-numeric:tabular-nums}
.fc-foot{display:flex;justify-content:space-between;align-items:flex-end}
.fc-foot span{display:block;font-size:.72rem;opacity:.7;letter-spacing:.04em;text-transform:uppercase;margin-bottom:3px}
.fc-foot strong{font-size:1.2rem;font-weight:600}
.fc-brand{font-family:'Fraunces',serif;font-weight:700;font-size:1.5rem;color:#d9b877}
.hero-stat-card{
  width:100%;max-width:380px;background:var(--paper);border:1px solid var(--line);
  border-radius:14px;padding:18px 20px;box-shadow:var(--shadow-sm);
}
.hsc-row{display:flex;justify-content:space-between;align-items:center;font-size:.9rem;font-weight:500}
.hsc-row em{font-style:normal;color:#2e7d4f;font-weight:600}
.hsc-row.muted{color:var(--muted);font-size:.82rem;margin-top:10px}
.hsc-bar{height:6px;border-radius:6px;background:var(--cream);margin:12px 0 2px;overflow:hidden}
.hsc-bar i{display:block;height:100%;width:100%;background:linear-gradient(90deg,var(--gold),var(--maroon))}

/* ============ TRUST STRIP ============ */
.trust-strip{background:var(--maroon);color:#fff}
.trust-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:34px 28px}
.trust-item{text-align:center;border-right:1px solid rgba(255,255,255,.14)}
.trust-item:last-child{border-right:none}
.trust-item strong{display:block;font-family:'Fraunces',serif;font-size:1.9rem;font-weight:600}
.trust-item span{font-size:.85rem;color:#e3cfc4}

/* ============ SECTIONS ============ */
.section{padding:92px 0}
.section-head{max-width:600px;margin:0 auto 56px;text-align:center}
.section-head.align-left{margin-left:0;text-align:left}
.section-head h2{font-size:2.4rem;margin-bottom:14px}
.section-head p{color:var(--muted);font-size:1.06rem}

/* ============ SERVICE CARDS ============ */
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.service-card{
  position:relative;overflow:hidden;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 30px;transition:transform .2s,box-shadow .2s,border-color .2s;
}
.service-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.service-card.featured{border-color:var(--gold);box-shadow:var(--shadow-sm)}
.svc-media{margin:-34px -30px 22px;height:172px;overflow:hidden}
.svc-media img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.service-card:hover .svc-media img{transform:scale(1.05)}
.tag{position:absolute;top:16px;right:16px;z-index:2;font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--maroon);padding:5px 11px;border-radius:999px}
.service-icon{width:52px;height:52px;border-radius:12px;background:var(--cream);display:grid;place-items:center;color:var(--maroon);margin-bottom:22px}
.service-icon svg{width:26px;height:26px}
.service-card h3{font-size:1.4rem;margin-bottom:12px}
.service-card>p{color:var(--muted);margin-bottom:18px}
.svc-list{list-style:none;margin-bottom:22px}
.svc-list li{position:relative;padding-left:24px;font-size:.92rem;color:var(--ink);margin-bottom:8px}
.svc-list li::before{content:'';position:absolute;left:0;top:7px;width:14px;height:8px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.card-link{display:inline-flex;align-items:center;gap:7px;font-weight:600;color:var(--maroon)}
.card-link svg{width:18px;height:18px;transition:transform .2s}
.card-link:hover svg{transform:translateX(4px)}

/* ============ FEATURES ============ */
.features-section{background:var(--cream-2);border-block:1px solid var(--line)}
.cards-4{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.feature-icon{width:46px;height:46px;color:var(--maroon);margin-bottom:16px}
.feature-icon svg{width:30px;height:30px}
.feature h4{font-size:1.18rem;margin-bottom:8px;color:var(--ink);font-family:'Inter',sans-serif;font-weight:700}
.feature p{color:var(--muted);font-size:.94rem}

/* ============ STEPS ============ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;counter-reset:s}
.step{padding:32px 28px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);position:relative}
.step-num{font-family:'Fraunces',serif;font-size:1.4rem;font-weight:700;color:var(--gold);display:block;margin-bottom:14px}
.step h4{font-size:1.25rem;margin-bottom:8px;color:var(--maroon)}
.step p{color:var(--muted);font-size:.95rem}

/* ============ HIGHLIGHT ============ */
.highlight-section{background:var(--cream-2);border-block:1px solid var(--line)}
.highlight-inner{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.highlight-media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.highlight-media img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3;display:block}
.highlight-text h2{font-size:2.3rem;margin-bottom:16px}
.highlight-text>p{color:var(--muted);font-size:1.05rem;margin-bottom:22px}
.highlight-list{list-style:none;margin-bottom:28px}
.highlight-list li{position:relative;padding-left:30px;margin-bottom:13px;font-weight:500;color:var(--ink)}
.highlight-list li::before{content:'';position:absolute;left:0;top:3px;width:20px;height:20px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%236a1a2c'/%3E%3Cpath d='M6 10.5l2.5 2.5L14 7' stroke='white' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}

/* ============ OFFERS ============ */
.offers-section{background:var(--cream-2);border-block:1px solid var(--line)}
.offers-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.offer{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:24px 22px;
  transition:.2s;
}
.offer span{font-size:.9rem;color:var(--muted)}
.offer strong{display:block;font-family:'Fraunces',serif;font-size:1.45rem;color:var(--maroon);margin-top:6px;font-weight:600}
.offer:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm);border-color:var(--gold)}

/* ============ TESTIMONIALS ============ */
.quote{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.stars{color:var(--gold);letter-spacing:3px;font-size:.95rem;margin-bottom:16px}
.quote p{color:var(--ink);font-size:1.04rem;margin-bottom:24px;line-height:1.65}
.quote footer{display:flex;align-items:center;gap:13px}
.avatar{width:44px;height:44px;border-radius:50%;background:var(--maroon);color:#fff;display:grid;place-items:center;font-weight:600;font-size:.9rem;flex-shrink:0;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover}
.quote footer strong{display:block;color:var(--maroon);font-size:.98rem}
.quote footer span{font-size:.85rem;color:var(--muted)}

/* ============ APP CTA ============ */
.app-cta{background:linear-gradient(135deg,var(--maroon),var(--maroon-dark));color:#fff}
.app-cta h2{color:#fff}
.app-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.app-text h2{font-size:2.4rem;margin-bottom:16px}
.app-text p{color:#e6d2c6;font-size:1.05rem;margin-bottom:30px;max-width:420px}
.app-badges{display:flex;gap:14px;flex-wrap:wrap}
.store-badge{display:inline-flex;align-items:center;gap:11px;background:#fff;color:var(--maroon-dark);padding:11px 20px;border-radius:12px;transition:.2s}
.store-badge svg{width:22px;height:22px}
.store-badge span{display:flex;flex-direction:column;font-weight:700;font-size:1rem;line-height:1.15}
.store-badge small{font-weight:500;font-size:.68rem;opacity:.7}
.store-badge:hover{transform:translateY(-2px)}
.app-visual{display:flex;justify-content:center}
.app-phone{width:280px;background:#1c1418;border-radius:38px;padding:12px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6);position:relative}
.app-notch{position:absolute;top:12px;left:50%;transform:translateX(-50%);width:120px;height:22px;background:#1c1418;border-radius:0 0 14px 14px;z-index:2}
.app-screen{background:var(--cream-2);border-radius:28px;padding:26px 22px}
.app-balance{background:var(--maroon);color:#fff;border-radius:16px;padding:20px;margin-bottom:18px}
.app-balance small{opacity:.8;font-size:.78rem}
.app-balance strong{display:block;font-family:'Fraunces',serif;font-size:1.75rem;font-weight:600;margin-top:4px}
.app-row{display:flex;justify-content:space-between;align-items:center;padding:13px 2px;border-bottom:1px solid var(--line);font-size:.9rem}
.app-row>span{color:#3a2a2f;font-weight:500}
.app-row em{font-style:normal;font-weight:700;color:var(--maroon)}
.app-row em.ok{color:#2e7d4f}
.app-cta-btn{margin-top:20px;background:var(--gold);color:#fff;text-align:center;padding:13px;border-radius:12px;font-weight:600;font-size:.92rem}

/* ============ ABOUT ============ */
.about-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.about-text h2{font-size:2.35rem;margin-bottom:18px}
.about-text p{color:var(--muted);margin-bottom:16px;font-size:1.04rem}
.about-text .btn{margin-top:12px}
.about-right{display:flex;flex-direction:column;gap:16px}
.about-media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.about-media img{width:100%;height:100%;object-fit:cover;aspect-ratio:16/9;display:block}
.about-stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.astat{background:var(--cream-2);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.astat strong{display:block;font-family:'Fraunces',serif;font-size:1.9rem;color:var(--maroon);font-weight:600}
.astat span{color:var(--muted);font-size:.9rem}

/* ============ FAQ ============ */
.faq-section{background:var(--cream-2);border-top:1px solid var(--line)}
.faq{display:flex;flex-direction:column;gap:12px}
.faq-item{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:4px 24px;transition:border-color .2s}
.faq-item[open]{border-color:var(--gold)}
.faq-item summary{list-style:none;cursor:pointer;padding:18px 0;font-weight:600;color:var(--maroon);font-size:1.04rem;display:flex;justify-content:space-between;align-items:center;gap:20px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'';width:11px;height:11px;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(45deg);transition:transform .2s;flex-shrink:0}
.faq-item[open] summary::after{transform:rotate(-135deg)}
.faq-item p{color:var(--muted);padding:0 0 20px}

/* ============ FOOTER ============ */
.footer{background:var(--maroon-dark);color:#d6c1b6;padding:66px 0 26px}
.footer-top{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:40px;padding-bottom:42px;border-bottom:1px solid rgba(255,255,255,.12)}
.logo-light{color:#fff}
.logo-light .logo-mark{color:#d9b877}
.logo-light .logo-text span{color:#d9b877}
.footer-brand p{margin:16px 0 22px;max-width:280px;color:#bda598;font-size:.95rem}
.socials{display:flex;gap:10px}
.socials a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:grid;place-items:center;transition:.2s}
.socials a svg{width:18px;height:18px;color:#d6c1b6}
.socials a:hover{background:var(--gold)}
.socials a:hover svg{color:#fff}
.footer-col h5{color:#d9b877;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px;font-weight:600}
.footer-col a{display:block;margin-bottom:11px;color:#bda598;font-size:.94rem;transition:.15s}
.footer-col a:hover{color:#fff}
.footer-address{display:block;color:#bda598;font-size:.9rem;line-height:1.6;margin-top:6px}
.footer-disclaimer{padding:22px 0 4px}
.footer-disclaimer p{font-size:.78rem;line-height:1.7;color:#a68d81;border-top:1px solid rgba(255,255,255,.1);padding-top:22px}
.footer-disclaimer strong{color:#c9b3a6}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:24px;font-size:.85rem;color:#a68d81;flex-wrap:wrap;gap:12px}
.footer-legal{display:flex;gap:22px}
.footer-legal a:hover{color:#fff}

/* ============ LEGAL PAGES ============ */
.legal-hero{background:linear-gradient(135deg,var(--maroon),var(--maroon-dark));color:#fff;padding:60px 0}
.legal-hero h1{color:#fff;font-size:2.6rem;margin-bottom:10px}
.legal-hero p{color:#e6d2c6;font-size:1rem}
.legal-body{padding:64px 0 80px}
.legal-body .container{max-width:820px}
.legal-toc{background:var(--cream-2);border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin-bottom:44px}
.legal-toc h2{font-size:1rem;font-family:'Inter',sans-serif;text-transform:uppercase;letter-spacing:.1em;color:var(--gold);margin-bottom:14px}
.legal-toc ol{margin-left:18px;color:var(--maroon)}
.legal-toc a{color:var(--maroon);font-weight:500}
.legal-toc a:hover{text-decoration:underline}
.legal-body h2{font-size:1.5rem;margin:40px 0 14px;scroll-margin-top:90px}
.legal-body h2:first-of-type{margin-top:0}
.legal-body h3{font-size:1.12rem;color:var(--ink);font-family:'Inter',sans-serif;font-weight:700;margin:22px 0 8px}
.legal-body p,.legal-body li{color:var(--muted);margin-bottom:12px;line-height:1.75}
.legal-body ul,.legal-body ol{margin:0 0 16px 22px}
.legal-body li{margin-bottom:8px}
.legal-body a{color:var(--maroon);font-weight:500;text-decoration:underline}
.legal-updated{display:inline-block;background:var(--cream-2);border:1px solid var(--line);border-radius:999px;padding:6px 16px;font-size:.82rem;color:var(--muted);margin-bottom:34px}
.back-home{display:inline-flex;align-items:center;gap:7px;margin-top:40px;font-weight:600;color:var(--maroon)}
.legal-note{background:var(--cream-2);border-left:3px solid var(--gold);padding:16px 20px;border-radius:0 10px 10px 0;margin:20px 0}
.legal-note p:last-child{margin-bottom:0}

/* ============ RESPONSIVE ============ */
@media(max-width:980px){
  .hero-inner{grid-template-columns:1fr;text-align:center}
  .hero-text h1{font-size:2.7rem}
  .lead{margin-inline:auto}
  .hero-cta,.hero-note{justify-content:center}
  .hero-visual{margin-top:8px}
  .cards-4{grid-template-columns:1fr 1fr;gap:30px}
  .offers-grid{grid-template-columns:repeat(2,1fr)}
  .app-inner,.about-inner,.highlight-inner{grid-template-columns:1fr;gap:44px}
  .highlight-media{order:-1}
  .highlight-text{text-align:center}
  .highlight-list{display:inline-block;text-align:left}
  .about-media{order:-1}
  .about-text{text-align:center}
  .about-text .btn{display:none}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  .nav,.link-login{display:none}
  .menu-toggle{display:flex}
  .header-actions{gap:10px}
  .header-actions .btn{padding:9px 16px;font-size:.86rem}
  .nav.open{display:flex;flex-direction:column;position:absolute;top:74px;left:0;right:0;background:var(--cream-2);padding:22px 28px;gap:18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-sm)}
  .cards-3,.steps,.offers-grid{grid-template-columns:1fr}
  .cards-4{grid-template-columns:1fr}
  .trust-inner{grid-template-columns:1fr 1fr;gap:24px 12px}
  .trust-item:nth-child(2){border-right:none}
  .hero{padding:56px 0 64px}
  .hero-text h1{font-size:2.15rem}
  .lead{font-size:1.04rem}
  .section{padding:60px 0}
  .section-head{margin-bottom:40px}
  .section-head h2,.app-text h2,.about-text h2,.highlight-text h2{font-size:1.85rem}
  .legal-hero{padding:44px 0}
  .legal-hero h1{font-size:2rem}
  .app-phone{max-width:100%}
  .app-badges{gap:10px}
  .store-badge{padding:10px 16px}
  .footer-top{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start;gap:16px}
}
@media(max-width:400px){
  .container{padding:0 18px}
  .hero-text h1{font-size:1.95rem}
  .service-card,.step,.quote,.feature{padding-left:22px;padding-right:22px}
  .svc-media{margin-left:-22px;margin-right:-22px}
  .hero-trust{gap:22px}
  .app-badges{flex-direction:column}
  .store-badge{width:100%;justify-content:center}
  .topbar-inner{font-size:.72rem}
}