:root {
  --navy: #0c2348;
  --navy-deep: #081833;
  --gold: #e2a100;
  --gold-deep: #c48c00;
  --ink: #152033;
  --muted: #5d6b80;
  --line: #e7edf4;
  --soft: #f6f8fb;
  --white: #fff;
  --shadow: 0 18px 50px rgba(12, 35, 72, 0.08);
  --radius: 18px;
  --max: 1180px;
  --font: "Manrope", system-ui, sans-serif;
  --serif: "Fraunces", Georgia, serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: #f7f6f3;
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
main { flex: 1 0 auto; }
body::before,
body::after {
  content: "";
  position: fixed;
  pointer-events: none;
  z-index: 0;
}
body::before {
  inset: -50%;
  background: repeating-linear-gradient(
    112deg,
    transparent 0 127px,
    rgba(226, 161, 0, 0.12) 127px 128px
  );
  animation: linesDrift 22s linear infinite;
  animation-delay: var(--drift-delay, 0ms);
}
body::after {
  inset: -15% 0;
  background-image: repeating-linear-gradient(
    100deg,
    transparent 0 240px,
    rgba(12, 35, 72, 0.035) 380px,
    rgba(226, 161, 0, 0.1) 460px,
    transparent 640px,
    transparent 980px
  );
  background-size: 980px 100%;
  animation: sweepBg 18s linear infinite;
  animation-delay: var(--sweep-delay, 0ms);
}
.header, main, .footer { position: relative; z-index: 1; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
ul { list-style: none; }

.wrap {
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
}

/* Header */
.header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(247, 246, 243, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
}
.header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 8px 24px rgba(12, 35, 72, 0.05); }
.header__inner {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  min-height: 132px;
}
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { height: 116px; width: auto; display: block; }
.nav { display: flex; align-items: center; gap: 1.05rem; margin-left: auto; }
.nav a {
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.06em;
  color: var(--navy); padding: 0.35rem 0; position: relative; white-space: nowrap;
}
.nav a.is-active, .nav a:hover { color: var(--gold-deep); }
.nav a.is-active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; background: var(--gold);
}
.call {
  display: flex; align-items: center; gap: 0.7rem;
  color: var(--navy); margin-left: 0.6rem; flex-shrink: 0;
}
.call__icon {
  width: 42px; height: 42px; border-radius: 50%; background: var(--navy);
  color: var(--white); display: grid; place-items: center;
}
.call strong { display: block; font-size: 0.95rem; line-height: 1.1; color: var(--navy); }
.call small { display: block; font-size: 0.72rem; font-weight: 600; color: var(--muted); }

.home { background: transparent; padding: 4rem 0 4.5rem; }
.home__grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 2.5rem; align-items: center; }
.home__copy { align-self: center; text-align: center; }
.kicker { color: var(--gold-deep); font-size: 0.78rem; font-weight: 800; letter-spacing: 0.14em; margin-bottom: 0.8rem; }
.home h1 { margin-bottom: 0.45rem; font-size: clamp(2rem, 3.2vw, 2.7rem); max-width: none; }
.home__help { font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep); font-size: clamp(1.35rem, 2.2vw, 1.75rem); line-height: 1.25; margin-bottom: 1.1rem; max-width: none; }
.home .lead { margin-bottom: 0.75rem; }
.home .lead + .lead { margin-bottom: 1.4rem; }

.intro {
  position: fixed; inset: 0; z-index: 80;
  display: grid; place-items: center;
  background: transparent;
  overflow: hidden;
}
.intro__stage {
  position: relative; z-index: 1;
  display: grid; justify-items: center; gap: 1.5rem;
}
.intro__stage::before {
  content: ""; position: absolute; inset: -28% -12%;
  background: radial-gradient(ellipse at center, rgba(247, 246, 243, 0.94) 0 38%, rgba(247, 246, 243, 0.35) 62%, transparent 76%);
  z-index: -1;
  transition: opacity 0.7s ease;
}
.intro__logo {
  width: min(680px, 88vw); height: auto;
  animation: introIn 0.95s cubic-bezier(.16, 1, .3, 1) both;
  filter: drop-shadow(0 18px 40px rgba(12, 35, 72, 0.12));
}
.intro__bar {
  width: min(240px, 46vw); height: 3px; border-radius: 99px;
  background: rgba(12, 35, 72, 0.1); overflow: hidden;
  transition: opacity 0.35s ease;
}
.intro__bar span {
  display: block; height: 100%; width: 0;
  background: linear-gradient(90deg, var(--gold), var(--navy));
  animation: loadBar 1.25s 0.35s cubic-bezier(.4, 0, .2, 1) forwards;
}
.intro__veil {
  position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(105deg, transparent 28%, rgba(226, 161, 0, 0.2) 50%, transparent 72%);
  transform: translateX(-130%);
}
.intro.is-leaving .intro__bar,
.intro.is-leaving .intro__stage::before { opacity: 0; }
.intro.is-leaving .intro__veil {
  transform: translateX(130%);
  transition: transform 1.15s cubic-bezier(.76, 0, .18, 1);
}
html.intro-skip .intro { display: none; }
html.intro-skip body.is-intro { overflow: auto; }
html.intro-skip body.is-intro .brand img { opacity: 1; }
html.intro-skip body.is-intro .header { opacity: 1; transform: none; pointer-events: auto; }
html.intro-skip:not(.is-page-in) body.is-intro .header,
html.intro-skip:not(.is-page-in) body.is-intro main,
html.intro-skip:not(.is-page-in) body.is-intro .footer { opacity: 1; transform: none; }
body.is-intro { overflow: hidden; }
body.is-intro .brand img { opacity: 0; }
body.is-intro .header,
body.is-intro main,
body.is-intro .footer {
  opacity: 0;
  transform: translateY(22px);
  pointer-events: none;
}
body.is-revealing .header,
body.is-revealing main,
body.is-revealing .footer {
    opacity: 1;
  transform: none;
  pointer-events: auto;
}
html.is-page-in main,
html.is-page-in .footer { opacity: 0; transform: translateY(22px); }
body.is-page-out main,
body.is-page-out .footer { opacity: 0; transform: translateY(-18px); }
main, .footer { transition: opacity 0.5s ease, transform 0.62s cubic-bezier(.16, 1, .3, 1); }
body.is-intro .header,
body.is-intro main,
body.is-intro .footer,
body.is-revealing .header,
body.is-revealing main,
body.is-revealing .footer {
  transition: opacity 0.85s ease, transform 1s cubic-bezier(.16, 1, .3, 1);
}
body.is-revealing .header { transition-delay: 0.06s; }
body.is-revealing main { transition-delay: 0.18s; }
body.is-revealing .footer { transition-delay: 0.32s; }
@keyframes introIn {
  from { opacity: 0; transform: translateY(18px) scale(0.98); }
  to { opacity: 1; transform: none; }
}
@keyframes linesDrift {
  from { transform: translate3d(0, 0, 0); }
  to { transform: translate3d(118.68px, 47.95px, 0); }
}
@keyframes sweepBg {
  from { background-position: 0 0; }
  to { background-position: 980px 0; }
}
@keyframes loadBar { to { width: 100%; } }
@media (prefers-reduced-motion: reduce) {
  .intro { display: none; }
  body::before, body::after { animation: none; }
  html.is-page-in main,
  html.is-page-in .footer,
  body.is-page-out main,
  body.is-page-out .footer { opacity: 1; transform: none; transition: none; }
  .acc__panel, .faq-page .acc, .acc__btn, .acc__q, .acc__n,
  .acc__icon::before, .acc__icon::after { transition: none; }
}
.trust-pills { display: flex; flex-wrap: wrap; gap: 1.1rem 1.4rem; margin: 1.4rem 0 1.5rem; }
.trust-pills li { display: flex; align-items: center; gap: 0.55rem; font-size: 0.68rem; font-weight: 800; letter-spacing: 0.04em; color: var(--navy); max-width: 120px; line-height: 1.25; }
.mini {
  width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--white);
  display: grid; place-items: center; flex-shrink: 0;
}
.home__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.75rem; margin-bottom: 0.9rem; }
.home__actions .btn { flex-direction: column; align-items: flex-start; gap: 0.15rem; min-width: 210px; line-height: 1.2; padding: 0.85rem 1.05rem; }
.home__actions .btn span { display: inline-flex; align-items: center; gap: 0.4rem; }
.home__actions .btn small { font-size: 0.85rem; font-weight: 800; letter-spacing: 0; text-transform: none; opacity: 0.9; padding-left: 1.25rem; }
.secure { display: flex; align-items: center; gap: 0.4rem; color: var(--muted); font-size: 0.82rem; font-weight: 600; }

.assess {
  background: var(--white); border-radius: 22px; box-shadow: 0 24px 60px rgba(12, 35, 72, 0.1);
  padding: 1.5rem 1.45rem 1.3rem; position: relative;
}
.assess__badge {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--navy); color: var(--white); font-size: 0.68rem; font-weight: 800; letter-spacing: 0.08em;
  padding: 0.45rem 0.9rem; border-radius: 8px; white-space: nowrap;
}
.assess__head { display: flex; gap: 0.75rem; align-items: center; margin: 0.85rem 0 0.7rem; }
.assess__head h2 { font-size: 1rem; letter-spacing: 0.04em; margin: 0; line-height: 1.3; }
.assess__intro { color: var(--muted); font-size: 0.9rem; line-height: 1.55; margin-bottom: 1rem; }
.ring {
  width: 42px; height: 42px; border-radius: 50%; border: 2px solid #f0d48a; color: var(--gold-deep);
  display: grid; place-items: center; flex-shrink: 0;
}
.field-icon { position: relative; }
.field-icon svg {
  position: absolute; left: 0.9rem; top: 50%; transform: translateY(-50%);
  width: 16px; height: 16px; color: #8b97a8; pointer-events: none;
}
.methods { display: flex; flex-wrap: wrap; gap: 0.55rem; margin: 0.35rem 0 1rem; }
.methods label {
  display: flex; align-items: center; gap: 0.45rem; font-weight: 700; font-size: 0.92rem;
  color: var(--navy); margin: 0; padding: 0.15rem 0.1rem; border: 0; background: transparent;
}
.methods input {
  width: 1.05rem; height: 1.05rem; min-height: 0; margin: 0; padding: 0;
  border: 0; background: transparent; accent-color: var(--gold); box-shadow: none;
}
.methods input:focus { outline: none; }
.field-hint span {
  position: absolute; right: 0.85rem; top: 50%; transform: translateY(-50%);
  color: #b0b8c4; font-size: 0.78rem; pointer-events: none;
}
.field-hint input:not(:placeholder-shown) + span { display: none; }
.assess .btn { width: 100%; }
.quiet { text-align: center; color: var(--muted); font-size: 0.78rem; margin-top: 0.75rem; }

.trustbar { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trustbar__row { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 0.85rem; padding: 1.15rem 0; }
.trustbar article { display: flex; gap: 0.65rem; align-items: center; }
.trustbar h3 { font-size: 0.72rem; letter-spacing: 0.04em; color: var(--navy); }
.trustbar p { font-size: 0.75rem; color: var(--muted); line-height: 1.3; }
.gold-ring { width: 36px; height: 36px; border-radius: 50%; border: 2px solid #f0d48a; color: var(--gold-deep); display: grid; place-items: center; flex-shrink: 0; }
.burger {
  display: none; margin-left: auto; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer;
}
.burger span { display: block; height: 2px; background: var(--navy); margin: 6px 8px; border-radius: 2px; }

/* Hero / about */
.hero { padding: 3.5rem 0 2rem; }
.hero__grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 3rem; align-items: center;
}
.hero__grid > :first-child { text-align: center; }
.eyebrow {
  font-size: 0.75rem; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 0.85rem;
}
h1 {
  font-size: clamp(2.4rem, 4.6vw, 3.6rem); line-height: 1.08; letter-spacing: -0.03em;
  color: var(--navy); font-weight: 800; margin-bottom: 1rem;
}
h1 em { font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep); }
.lead { color: var(--muted); font-size: 1.05rem; max-width: 36rem; margin-bottom: 1.35rem; line-height: 1.75; }
.hero__photo {
  border-radius: 22px; overflow: hidden; box-shadow: var(--shadow); background: var(--soft); min-height: 320px;
}
.hero__photo img { width: 100%; height: 380px; object-fit: cover; }
.review-top { padding-bottom: 1.25rem; }
.think { position: relative; align-self: end; }
.think img {
  width: min(100%, 460px); height: auto; margin-left: auto; display: block;
  object-fit: contain; background: transparent;
}
.think__arrow {
  position: absolute; right: 4%; bottom: 2%;
  width: 84px; height: 94px; color: var(--gold);
  pointer-events: none;
}
#how { padding-top: 1.5rem; }
.features {
  display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 3.2rem;
  border-top: 1px solid var(--line); padding-top: 1.6rem;
}
.feature { display: flex; gap: 0.85rem; align-items: flex-start; padding-right: 1rem; }
.feature + .feature { border-left: 1px solid var(--line); padding-left: 1.15rem; }
.feature__icon {
  width: 42px; height: 42px; border-radius: 50%; background: var(--soft); color: var(--navy);
  display: grid; place-items: center; flex-shrink: 0;
}
.feature h3 { font-size: 0.78rem; letter-spacing: 0.04em; color: var(--navy); margin-bottom: 0.2rem; }
.feature p { font-size: 0.82rem; color: var(--muted); }

/* Sections */
.section { padding: 5.5rem 0 4.5rem; }
main > .section:last-child { padding-bottom: 6rem; }
.section--soft { background: transparent; }
.section h2 {
  font-size: clamp(1.8rem, 3vw, 2.5rem); color: var(--navy); letter-spacing: -0.03em; line-height: 1.15; margin-bottom: 0.6rem;
}
.sub { color: var(--muted); max-width: 40rem; line-height: 1.75; margin-bottom: 0.4rem; }

.split { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 4rem; align-items: center; }
.split > :first-child,
.faq > :first-child { text-align: center; }
.home__copy .lead,
.hero__grid > :first-child .lead,
.split > :first-child .lead,
.split > :first-child .sub,
.split > :first-child .fine,
.faq > :first-child .lead { margin-inline: auto; }
.split > :first-child .checks {
  width: fit-content;
  max-width: 100%;
  margin-inline: auto;
  text-align: left;
}
.checks { margin: 1.8rem 0 2rem; display: grid; gap: 1.05rem; }
.checks li { display: flex; gap: 0.7rem; align-items: flex-start; color: var(--ink); font-weight: 600; }
.dot {
  width: 22px; height: 22px; border-radius: 50%; background: var(--navy); color: var(--gold);
  display: grid; place-items: center; flex-shrink: 0; margin-top: 1px;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  background: var(--navy); color: var(--white); font-weight: 800; letter-spacing: 0.06em;
  font-size: 0.78rem; border: 0; border-radius: 10px; padding: 0.95rem 1.2rem; cursor: pointer;
  text-transform: uppercase;
}
.btn:hover { background: #16356c; }
.btn--gold { background: var(--gold); color: var(--navy-deep); }
.btn--gold:hover { background: #efb423; }
.fine { margin-top: 1.15rem; font-size: 0.85rem; color: var(--muted); line-height: 1.6; }

.panel {
  background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 2rem 1.85rem 1.8rem;
  box-shadow: var(--shadow);
}
.panel h2 { font-size: 1.15rem; letter-spacing: 0.08em; margin-bottom: 1.2rem; }
.step { display: grid; grid-template-columns: auto 1fr; gap: 0.85rem; }
.step + .step { margin-top: 0.9rem; }
.step__n {
  width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: var(--navy);
  display: grid; place-items: center; font-weight: 800;
}
.step h3 { font-size: 1rem; color: var(--navy); }
.step p { font-size: 0.9rem; color: var(--muted); }
.step__line { width: 2px; height: 22px; background: #f0d48a; margin: 0.25rem auto 0.45rem; }

.process { max-width: 760px; margin-inline: auto; }
.process .eyebrow,
.process h2,
.process__end { text-align: center; }
.process h2 { margin-bottom: 2.4rem; }
.process__list { display: grid; list-style: none; margin: 0; padding: 0; }
.process__list li { display: grid; grid-template-columns: 52px 1fr; gap: 1.05rem; list-style: none; }
.process__list li::marker { content: none; }
.process__rail { display: flex; flex-direction: column; align-items: center; }
.process__n {
  width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--navy);
  display: grid; place-items: center; font-weight: 800; flex-shrink: 0;
}
.process__line { width: 2px; flex: 1; min-height: 1.4rem; background: #f0d48a; margin: 0.35rem 0; }
.process__list h3 {
  font-size: 0.82rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--navy); margin-bottom: 0.35rem;
}
.process__list p { color: var(--muted); line-height: 1.7; margin-bottom: 1.45rem; }
.process__end {
  font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep);
  font-size: clamp(1.7rem, 3vw, 2.35rem); line-height: 1.2; margin-top: 0.4rem;
}

/* Cards */
.help-copy { max-width: 46rem; margin-bottom: 0.4rem; }
.help-copy p { color: var(--muted); line-height: 1.75; margin-bottom: 0.85rem; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.35rem; margin-top: 2.25rem; }
.cards--two { grid-template-columns: repeat(2, 1fr); }
.cards--two h3 { letter-spacing: 0.04em; text-transform: uppercase; font-size: 0.92rem; }
.help h2 { text-align: center; }
.help h2 em { font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep); }
.help .help-copy { max-width: 42rem; margin: 0.2rem auto 0; text-align: center; }
.help .help-copy p:first-child { color: var(--ink); }
.cards--help { margin-top: 1.8rem; }
.cards--help .card {
  border-top: 4px solid var(--gold);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.cards--help .card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(12, 35, 72, 0.1); }
.cards--help h3 {
  text-transform: none; letter-spacing: 0; font-size: 1.12rem; line-height: 1.3;
}
.cards--help h3::before {
  content: ""; display: inline-block; width: 9px; height: 9px; margin-right: 0.55rem;
  border-radius: 50%; background: var(--gold); transform: translateY(-1px);
}
.not-do {
  margin-top: 1.6rem; background: var(--navy); color: var(--white); border: 0;
  border-radius: var(--radius); padding: 2rem 2.1rem 1.8rem;
  box-shadow: 0 18px 40px rgba(12, 35, 72, 0.16);
}
.not-do h3 {
  font-family: var(--serif); font-style: italic; font-weight: 560; text-transform: none;
  letter-spacing: 0; font-size: clamp(1.45rem, 2.4vw, 1.85rem); color: var(--gold);
  text-align: center; margin-bottom: 1.35rem;
}
.not-do .not-do__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem 1.5rem; }
.not-do div + div { margin-top: 0; }
.not-do strong { display: block; color: var(--white); margin-bottom: 0.35rem; }
.not-do p { color: rgba(255,255,255,0.78); line-height: 1.65; }
.earn { max-width: 820px; margin-inline: auto; text-align: center; }
.earn h2 em { font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep); }
.earn .eyebrow { margin-top: 1.4rem; }
.earn .btn { margin-top: 1.6rem; }
.steps { list-style: none; margin: 1.6rem 0 0; padding: 0; display: grid; gap: 0.9rem; text-align: left; }
.steps li::marker { content: none; }
.steps li {
  display: grid; grid-template-columns: 3rem 1fr; gap: 0.85rem; align-items: start;
  background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 1.15rem 1.25rem;
}
.steps span { font-weight: 800; color: var(--gold-deep); letter-spacing: 0.04em; font-size: 1.05rem; }
.steps h3 { color: var(--navy); margin-bottom: 0.2rem; font-size: 1.02rem; }
.steps p { color: var(--muted); line-height: 1.65; }
.assure { margin-top: 0.95rem; color: var(--muted); font-size: 0.88rem; line-height: 1.6; text-align: left; }
.assure strong { display: block; color: var(--navy); margin-bottom: 0.15rem; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.7rem 1.55rem;
  box-shadow: 0 10px 30px rgba(12, 35, 72, 0.04);
}
.card h3 { color: var(--navy); margin-bottom: 0.4rem; }
.card p { color: var(--muted); font-size: 0.95rem; }
.cards--next { align-items: stretch; }
.card--link {
  display: flex; flex-direction: column; height: 100%; color: inherit; text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card--link h3 { font-size: 1.15rem; line-height: 1.3; }
.card--link p { flex: 1; line-height: 1.6; margin: 0; }
.card--link:hover {
  transform: translateY(-3px); border-color: rgba(226, 161, 0, 0.7);
  box-shadow: 0 16px 36px rgba(12, 35, 72, 0.08);
}
.card__go {
  display: inline-flex; align-items: center; gap: 0.35rem; margin-top: 1.15rem;
  color: var(--gold-deep); font-weight: 800; font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase;
}
.card__go::after { content: "→"; }

/* Refer */
.refer { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 4rem; align-items: center; }
.refer__flow {
  display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 0.6rem; align-items: start; text-align: center;
}
.refer__step h3 { font-size: 0.85rem; letter-spacing: 0.04em; color: var(--navy); margin: 0.7rem 0 0.3rem; }
.refer__step p { font-size: 0.85rem; color: var(--muted); }
.bubble {
  width: 92px; height: 92px; margin: 0 auto; border-radius: 50%; background: var(--soft);
  display: grid; place-items: center; color: var(--navy); border: 1px solid var(--line);
}
.arrow { color: var(--gold); font-size: 1.4rem; padding-top: 2rem; }
.reward {
  margin-top: 1.4rem; background: var(--navy); color: var(--white); border-radius: 16px;
  padding: 1.2rem 1.3rem; display: flex; gap: 0.9rem; align-items: center;
}
.reward strong { display: block; letter-spacing: 0.06em; font-size: 0.82rem; margin-bottom: 0.2rem; }
.reward p { color: rgba(255,255,255,0.82); font-size: 0.92rem; }

/* FAQ */
.faq { display: grid; grid-template-columns: 0.78fr 1.22fr; gap: 3.5rem; align-items: center; }
.faq-layout { display: grid; grid-template-columns: minmax(240px, 0.72fr) 1.28fr; gap: 2.5rem 3rem; align-items: start; }
.faq-intro { text-align: center; position: sticky; top: 9.5rem; }
.faq-intro h1 em { font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold-deep); }
.faq-intro .lead { margin: 0.4rem auto 0; }
.faq-grid { display: flex; flex-direction: column; gap: 0.85rem; min-width: 0; }
.faq-page .acc {
  margin: 0; border: 1px solid var(--line); border-top: 4px solid var(--gold);
  box-shadow: 0 10px 30px rgba(12, 35, 72, 0.05);
  transition: background 0.4s ease, color 0.4s ease, border-color 0.4s ease, box-shadow 0.4s ease, transform 0.25s ease;
}
.faq-page .acc:hover { transform: translateY(-3px); box-shadow: 0 16px 36px rgba(12, 35, 72, 0.1); }
.faq-page .acc.is-open:hover { transform: none; }
.faq-page .acc.is-open {
  background: var(--navy); border-color: var(--navy); border-top-color: var(--gold); color: var(--white);
}
.faq-page .acc.is-open .acc__btn,
.faq-page .acc.is-open .acc__q { color: var(--white); }
.faq-page .acc.is-open .acc__n,
.faq-page .acc.is-open .acc__icon::before,
.faq-page .acc.is-open .acc__icon::after { background: transparent; color: var(--gold); }
.faq-page .acc.is-open .acc__icon::before,
.faq-page .acc.is-open .acc__icon::after { background: var(--gold); }
.faq-page .acc.is-open .acc__panel { color: rgba(255,255,255,0.82); }
.faq-page .help-card {
  margin-top: 1.6rem; background: var(--navy); color: var(--white); border: 0;
  display: flex; flex-direction: column; align-items: center; text-align: center; gap: 0.85rem;
  padding: 1.35rem 1.3rem; box-shadow: 0 18px 40px rgba(12, 35, 72, 0.16);
}
.faq-page .help-card h3 {
  font-family: var(--serif); font-style: italic; font-weight: 560; color: var(--gold);
  font-size: clamp(1.35rem, 2vw, 1.7rem); margin-bottom: 0.25rem;
}
.faq-page .help-card p { color: rgba(255,255,255,0.8); margin: 0; }
.faq-page .help-card .btn { flex-shrink: 0; }
.help-card {
  background: var(--soft); border-radius: 18px; padding: 1.5rem; border: 1px solid var(--line);
}
.help-card h3 { color: var(--navy); margin-bottom: 0.35rem; }
.help-card p { color: var(--muted); margin-bottom: 1rem; }
.acc { border: 1px solid var(--line); border-radius: 14px; background: var(--white); overflow: hidden; }
.acc + .acc { margin-top: 0.95rem; }
.faq-grid .acc + .acc { margin-top: 0; }
.acc__n { font-weight: 800; color: var(--gold-deep); font-size: 0.82rem; letter-spacing: 0.04em; flex-shrink: 0; }
.acc__q { flex: 1; }
.acc__btn {
  width: 100%; text-align: left; background: transparent; border: 0; cursor: pointer;
  padding: 1rem 1.1rem; display: flex; justify-content: space-between; gap: 0.85rem; align-items: center;
  font-weight: 700; color: var(--navy);
}
.acc__icon {
  width: 22px; height: 22px; position: relative; flex-shrink: 0;
}
.acc__btn, .acc__q, .acc__n { transition: color 0.4s ease; }
.acc__icon::before, .acc__icon::after {
  content: ""; position: absolute; background: var(--navy); left: 50%; top: 50%; transform: translate(-50%, -50%);
  transition: transform 0.35s ease, opacity 0.35s ease, background 0.4s ease;
}
.acc__icon::before { width: 12px; height: 2px; }
.acc__icon::after { width: 2px; height: 12px; }
.acc.is-open .acc__icon::after { transform: translate(-50%, -50%) scaleY(0); opacity: 0; }
.acc__panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows 0.45s cubic-bezier(.22, 1, .36, 1), color 0.4s ease;
  color: var(--muted);
}
.acc.is-open .acc__panel { grid-template-rows: 1fr; }
.acc__panel > p {
  overflow: hidden; min-height: 0; margin: 0; padding: 0 1.1rem;
  transition: padding-bottom 0.45s cubic-bezier(.22, 1, .36, 1);
}
.acc.is-open .acc__panel > p { padding-bottom: 1.05rem; }

/* Team */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: 1.6rem; margin-top: 2rem; }
.person {
  display: grid; grid-template-columns: 120px 1fr; gap: 1rem; align-items: center;
  border: 1px solid var(--line); border-radius: 18px; padding: 1rem; background: var(--white);
}
.person img { width: 120px; height: 140px; object-fit: cover; object-position: top; border-radius: 12px; }
.person h3 { color: var(--navy); }
.role { color: var(--gold-deep); font-weight: 800; font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase; margin: 0.2rem 0 0.4rem; }
.person p { color: var(--muted); font-size: 0.92rem; }

.logos { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 1rem; margin-top: 1.5rem; }
.logos img { width: 100%; height: auto; }

/* Forms */
.form {
  display: grid; gap: 1.25rem; background: var(--white); border: 1px solid var(--line);
  border-radius: 18px; padding: 2.1rem 1.9rem; box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-row > div { min-width: 0; }
label { display: block; font-size: 0.8rem; font-weight: 800; color: var(--navy); margin-bottom: 0.35rem; }
input:not([type="radio"]):not([type="checkbox"]), select, textarea {
  width: 100%; border: 1px solid var(--line); border-radius: 10px; padding: 0.85rem 0.95rem;
  background: var(--white); color: var(--ink); font: inherit; line-height: 1.4; min-height: 3.15rem;
}
.form input,
.form select {
  display: block;
  width: 100%;
  height: 3.25rem;
  min-height: 3.25rem;
  padding: 0 0.95rem;
  border: 1px solid var(--line);
  border-radius: 10px;
  background-color: var(--white);
  color: var(--ink);
  font: inherit;
  font-size: 1rem;
  line-height: 1.4;
}
.form select {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  padding-right: 2.6rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='8' viewBox='0 0 14 8'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%230c2348' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.95rem center;
  background-size: 12px 7px;
  cursor: pointer;
}
input:not([type="radio"]):not([type="checkbox"]):focus, select:focus, textarea:focus { outline: 2px solid rgba(226, 161, 0, 0.35); border-color: var(--gold); }
.field-icon input:not([type="radio"]) { padding-left: 2.7rem; }
.note { min-height: 1.2em; font-size: 0.9rem; font-weight: 700; }
.note.ok { color: #1f7a4c; }
.note.bad { color: #b42318; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.paths { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.9rem; margin-top: 0.4rem; }

/* Footer */
.footer { margin-top: auto; padding-top: 2.5rem; }
.footer__bar {
  background: var(--navy); color: var(--white);
  display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 1rem 0.75rem;
  align-items: center; justify-items: center;
  padding: 1.5rem 1.2rem; border-radius: 0;
}
.footer__bar { width: 100%; }
.footer .wrap.footer__bar { width: min(100% - 2.5rem, var(--max)); border-radius: 14px; margin-bottom: 0.6rem; }
.footer__side, .footer__contacts { display: contents; }
.footer__loc { display: flex; gap: 0.7rem; align-items: center; justify-content: center; font-size: 0.82rem; text-align: left; }
.footer__loc a { color: inherit; }
.footer__loc a:hover span { text-decoration: underline; }
.footer__loc strong { display: block; letter-spacing: 0.04em; font-size: 0.72rem; }
.footer__loc span { color: rgba(255,255,255,0.75); }
.footer__help {
  margin: 0; font-family: var(--serif); font-style: italic; color: var(--gold);
  font-size: 1.28rem; line-height: 1.15; text-align: center; justify-self: center;
}
.footer__bit { display: flex; gap: 0.65rem; align-items: center; justify-content: center; font-size: 0.85rem; text-align: left; }
.footer__bit small { display: block; color: rgba(255,255,255,0.7); }
.footer__legal {
  text-align: center; color: var(--muted); font-size: 0.78rem; padding: 0.35rem 1rem 1.2rem;
}
.icon-bubble {
  width: 34px; height: 34px; border-radius: 50%; background: rgba(255,255,255,0.08);
  display: grid; place-items: center; color: var(--gold); flex-shrink: 0;
}
.footer__loc .icon-bubble { color: var(--gold); }

@media (max-width: 980px) {
  .nav {
    display: none; position: absolute; top: 100px; left: 0; right: 0; background: var(--white);
    flex-direction: column; align-items: stretch; padding: 0.5rem 1.25rem 1rem; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }
  .brand img { height: 84px; }
  .header__inner { min-height: 100px; }
  .nav.is-open { display: flex; }
  .nav a { padding: 0.85rem 0; border-bottom: 1px solid var(--line); }
  .nav a.is-active::after { display: none; }
  .burger { display: block; }
  .call { display: none; }
  .hero__grid, .split, .refer, .faq, .faq-grid, .team, .form-row, .footer__bar, .features, .cards, .not-do__grid, .person, .home__grid {
    grid-template-columns: 1fr;
  }
  .home__actions .btn { width: 100%; }
  .faq-layout { grid-template-columns: 1fr; }
  .faq-intro { position: static; text-align: center; }
  .faq-intro .lead { margin-inline: auto; }
  .faq-page .help-card { align-items: center; text-align: center; }
  .footer .wrap.footer__bar { grid-template-columns: 1fr; justify-items: center; text-align: center; gap: 1.1rem; }
  .footer__help { text-align: center; }
  .features { gap: 1rem; }
  .feature + .feature { border-left: 0; padding-left: 0; }
  .refer__flow { grid-template-columns: 1fr; }
  .arrow { display: none; }
  .hero__photo img { height: 240px; }
  .think img { width: min(100%, 380px); margin-inline: auto; }
  .person { grid-template-columns: 96px 1fr; }
}

@media (max-width: 640px) {
  .wrap { width: min(100% - 1.4rem, var(--max)); }
  h1 { font-size: 2.15rem; }
  .header__inner { min-height: 92px; }
  .brand img { height: 76px; }
  .nav { top: 92px; }
}