:root{
  --bg:#FBF9F6; --paper:#FFFFFF; --ink:#1E1B16; --muted:#6F675F;
  --primary:#2F3E46; --accent:#C7A068; --chip:#FFF7EA;
  --success:#14532d; --danger:#991b1b;
  --ring:0 0 0 3px rgba(199,160,104,.25);
  --shadow:0 22px 70px rgba(0,0,0,.08); --shadow-sm:0 8px 24px rgba(0,0,0,.06);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial}
img{max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
.container{max-width:1200px;margin:0 auto;padding:0 20px}

/* Header */
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid #eee}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}
.brand{display:flex;align-items:center;gap:12px}
.logo{width:38px;height:38px;border:2px solid var(--accent);color:var(--accent);border-radius:10px;display:grid;place-items:center;font-weight:900;background:#fff}
.brand span{font-weight:900;color:var(--primary)}
.nav-links{display:flex;gap:16px;align-items:center}
.nav-links a{font-weight:700;color:var(--primary)}
.nav-links a:hover{color:#000}
.hamburger{display:none;flex-direction:column;gap:4px;cursor:pointer}
.hamburger span{width:26px;height:3px;background:var(--primary);border-radius:2px}
@media(max-width:880px){
  .nav-links{display:none;position:absolute;right:20px;top:64px;background:#fff;border:1px solid #eee;border-radius:12px;box-shadow:var(--shadow-sm);padding:12px;flex-direction:column;gap:10px}
  .nav-links.active{display:flex}
  .hamburger{display:flex}
}

/* Hero */
.hero{position:relative;background:linear-gradient(135deg,#fbf9f6,#f3eee7)}
.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:center;padding:64px 0}
.hero-card{background:var(--paper);border:1px solid #eee;border-radius:18px;box-shadow:var(--shadow);padding:28px}
.kicker{display:inline-flex;gap:8px;align-items:center;font-weight:800;text-transform:uppercase;letter-spacing:.18em;color:var(--accent);font-size:.82rem}
.kicker .pill{padding:6px 10px;border-radius:999px;background:var(--chip);border:1px solid #f0e1c7;color:#7a5b2e}
h1{font-size:clamp(30px,4.4vw,56px);line-height:1.04;margin:.25em 0;color:var(--primary)}
.lead{font-size:clamp(16px,1.5vw,19px);color:var(--muted)}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.btn{padding:12px 18px;border-radius:12px;font-weight:800;box-shadow:var(--shadow-sm)}
.btn.primary{background:var(--primary);color:#fff;border:1px solid var(--primary)}
.btn.alt{background:#fff;color:var(--primary);border:1px solid var(--accent)}
.btn.gold{background:var(--accent);color:#1b1b1b;border:1px solid #ad894d}
.hero-img{border-radius:18px;border:1px solid #eee;box-shadow:var(--shadow);min-height:360px;background:url('https://images.unsplash.com/photo-1501183638710-841dd1904471?auto=format&fit=crop&w=1600&q=80') center/cover}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr}.hero-img{min-height:260px}}

/* Sections */
.section{padding:56px 0}
.section h2{font-size:clamp(24px,3vw,36px);color:var(--primary);margin:0 0 6px}
.sub{color:var(--muted);margin:0 0 18px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:var(--paper);border:1px solid #eee;border-radius:16px;box-shadow:var(--shadow-sm);padding:20px}
.badge{display:inline-block;padding:6px 10px;border-radius:999px;border:1px solid var(--accent);color:var(--primary);font-weight:800;background:var(--chip)}

/* Process */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;counter-reset:step}
.step{background:#fff;border:1px solid #eee;border-radius:14px;padding:18px;position:relative}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:-12px;left:-12px;background:var(--accent);color:#fff;width:32px;height:32px;display:grid;place-items:center;border-radius:10px;box-shadow:var(--shadow-sm)}

/* Logo grid */
.logo-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:18px;align-items:center;justify-items:center;margin-top:16px}
.logo-card{background:transparent;padding:8px;border-radius:12px;transition:transform .18s ease, box-shadow .18s ease}
.logo-card:hover{transform:translateY(-2px) scale(1.05);box-shadow:0 12px 28px rgba(0,0,0,.12)}
.logo-card img{height:48px;object-fit:contain}

/* Testimonials */
.carousel{position:relative;overflow:hidden;background:#fff;border:1px solid #eee;border-radius:16px;box-shadow:var(--shadow-sm);padding:20px}
.carousel-quote{display:none}
.carousel-quote.active{display:block}

/* Forms / Calculators */
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #ddd;border-radius:12px;background:#fff}
label{font-weight:800;color:var(--primary);display:block;margin-top:10px}
input:focus,textarea:focus,select:focus{outline:none;box-shadow:var(--ring)}
.calc{background:#fff;border:1px solid #eee;border-radius:16px;box-shadow:var(--shadow-sm);padding:20px}
.result{margin-top:10px;padding:12px 14px;border-radius:12px;background:#f5fbf6;border:1px solid #cfe9cf;font-weight:900;color:#14532d}
.result.warn{background:#fff2f2;border:1px solid #f7cccc;color:#991b1b}

/* Rates */
.rate-table{width:100%;border-collapse:collapse;margin-top:8px}
.rate-table th,.rate-table td{border:1px solid #eee;padding:12px;text-align:left}
.rate-table th{background:var(--chip)}

/* Footer */
footer{padding:40px 0;background:#111;color:#ddd;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.footer-grid a{color:#ddd}
.footer-grid a:hover{color:#fff}
.copy{color:#bbb;font-size:.9rem;margin-top:6px}

/* Sticky mobile bar */
.sticky-cta{display:none}
@media(max-width:700px){
  .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;gap:10px;padding:10px;background:rgba(255,255,255,.96);border-top:1px solid #eee;backdrop-filter:blur(4px);z-index:200}
  .sticky-cta a{flex:1;text-align:center}
}