*{margin:0;padding:0;box-sizing:border-box}
:root{--ember:#D97706;--ember-dark:#92400E;--ember-light:#FEF3C7;--stone:#78716C;--stone-lt:#D6D3D1;--stone-xlt:#F5F5F4;--dark:#1C1917;--text:#44403C;--text-lt:#78716C;--bg:#FAF7F2;--white:#FFFFFF;--success:#16A34A;--font-display:'Libre Caslon Display',Georgia,serif;--font-body:'DM Sans',system-ui,sans-serif;--font-mono:'DM Mono','SF Mono',monospace;--radius-sm:6px;--radius-md:10px;--radius-lg:16px;--shadow:0 4px 16px rgba(28,25,23,0.06),0 1px 4px rgba(28,25,23,0.04);--shadow-lg:0 16px 48px rgba(28,25,23,0.08),0 4px 12px rgba(28,25,23,0.04);--shadow-xl:0 24px 64px rgba(28,25,23,0.12),0 8px 24px rgba(28,25,23,0.06);--max-w:1200px;--ease:cubic-bezier(0.16,1,0.3,1);--dur-fast:0.2s;--dur-med:0.4s;--dur-slow:0.7s}
::selection{background:var(--ember-light);color:var(--ember-dark)}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.6;font-size:16px;overflow-x:hidden;-webkit-font-smoothing:antialiased}
.container{max-width:var(--max-w);margin:0 auto;padding:0 24px}
img{max-width:100%;display:block}
a{color:var(--ember);text-decoration:none;transition:color var(--dur-fast) var(--ease)}
a:hover{color:var(--ember-dark)}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:400;color:var(--dark);line-height:1.2}
h1{font-size:clamp(34px,4.8vw,56px);line-height:1.1}
h2{font-size:clamp(28px,3.5vw,42px)}
h3{font-size:clamp(20px,2vw,26px)}
p{line-height:1.75}
.label{font-family:var(--font-mono);font-size:12px;text-transform:uppercase;letter-spacing:0.15em;color:var(--ember);font-weight:500}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--radius-sm);font-family:var(--font-body);font-size:15px;font-weight:600;border:none;cursor:pointer;transition:all var(--dur-fast) var(--ease);text-decoration:none}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--ember);color:var(--white)}
.btn-primary:hover{background:var(--ember-dark);color:var(--white)}
.btn .arrow{transition:transform var(--dur-fast) var(--ease)}
.btn:hover .arrow{transform:translateX(4px)}
.top-nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(28,25,23,0.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
.top-nav::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:var(--ember)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;max-width:var(--max-w);margin:0 auto;padding:0 24px}
.nav-brand{font-family:var(--font-display);font-size:20px;color:var(--ember);text-decoration:none;display:flex;align-items:center}
.nav-brand img{width:36px;height:36px;margin-right:10px}
.nav-brand span{display:block;font-family:var(--font-mono);font-size:10px;color:rgba(255,255,255,0.4);letter-spacing:0.08em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:32px;list-style:none}
.nav-links a{color:rgba(255,255,255,0.7);text-decoration:none;font-size:14px;font-weight:500}
.nav-links a:hover{color:var(--white)}
.nav-phone{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,0.7);font-family:var(--font-mono);font-size:13px;text-decoration:none}
.nav-phone:hover{color:var(--ember)}
.nav-cta{background:var(--ember);color:var(--white);padding:10px 22px;border-radius:var(--radius-sm);font-size:14px;font-weight:600;text-decoration:none;transition:all var(--dur-fast) var(--ease)}
.nav-cta:hover{background:var(--ember-dark);color:var(--white);transform:translateY(-1px)}
.mobile-toggle{display:none;background:none;border:none;color:var(--white);font-size:24px;cursor:pointer}
.hero{padding:140px 0 120px;background:var(--dark);position:relative;overflow:hidden;color:var(--white)}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 90% 60% at 85% 100%,rgba(217,119,6,0.10) 0%,transparent 55%),linear-gradient(180deg,#1C1917 0%,#201D1B 70%,#1C1917 100%);pointer-events:none}
.hero::after{content:'';position:absolute;inset:0;opacity:0.035;background:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");pointer-events:none;mix-blend-mode:overlay}
.hero .container{position:relative;z-index:1;max-width:1100px}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.breadcrumb{font-family:var(--font-mono);font-size:11px;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:64px;position:relative;z-index:2}
.breadcrumb a{color:rgba(255,255,255,0.4)}
.breadcrumb a:hover{color:var(--ember)}
.breadcrumb .sep{color:rgba(255,255,255,0.2);margin:0 10px}
.breadcrumb .current{color:rgba(255,255,255,0.55)}
.hero-kicker{display:flex;align-items:center;gap:14px;margin-bottom:28px}
.hero-kicker-line{width:48px;height:1px;background:var(--ember)}
.hero-kicker-text{font-family:var(--font-mono);font-size:11px;letter-spacing:0.18em;text-transform:uppercase;color:var(--ember);font-weight:500}
.hero-left h1{color:var(--white);font-size:clamp(36px,4.2vw,64px);line-height:1.05;letter-spacing:-0.01em}
.hero-left h1 em{font-style:italic;color:var(--white);font-weight:400;position:relative}
.hero-left h1 em::after{content:'';position:absolute;left:0;right:0;bottom:-4px;height:2px;background:linear-gradient(90deg,var(--ember),transparent)}
.hero-right{padding-top:12px}
.hero-sub{font-size:17px;color:rgba(255,255,255,0.65);line-height:1.75;margin-bottom:36px;font-weight:300}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:36px}
.hero-ctas .btn-primary{padding:16px 32px;font-size:15px}
.btn-ghost-light{color:rgba(255,255,255,0.85);text-decoration:none;padding:16px 0;font-family:var(--font-body);font-size:15px;font-weight:500;display:inline-flex;align-items:center;gap:10px;border-bottom:1px solid rgba(255,255,255,0.2);transition:all var(--dur-fast) var(--ease)}
.btn-ghost-light:hover{color:var(--ember);border-bottom-color:var(--ember)}
.hero-trust{display:flex;gap:0;padding-top:28px;border-top:1px solid rgba(255,255,255,0.08);align-items:center;flex-wrap:wrap}
.hero-trust-item{padding-right:24px;margin-right:24px;border-right:1px solid rgba(255,255,255,0.08);font-family:var(--font-mono);font-size:10px;letter-spacing:0.12em;text-transform:uppercase;color:rgba(255,255,255,0.45);font-weight:500}
.hero-trust-item:last-child{border-right:none;margin-right:0;padding-right:0}
section{padding:80px 0}
.section-header{margin:0 auto 48px;max-width:800px;text-align:center}
.section-header .label{margin-bottom:12px}
.section-header h2{margin-bottom:16px}
.section-header p{font-size:18px;color:var(--text-lt);line-height:1.7;margin:0 auto;max-width:720px}
.local-bar{background:var(--ember);color:var(--white);text-align:center;padding:18px 24px;font-family:var(--font-mono);font-size:13px;letter-spacing:0.05em;font-weight:500;position:relative;z-index:1}
.local-bar strong{font-weight:600;letter-spacing:0.08em;text-transform:uppercase}
.local-bar svg{vertical-align:middle;margin-right:6px}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;max-width:820px;margin:0 auto;background:var(--white);border:1px solid var(--stone-lt);border-radius:var(--radius-lg);overflow:hidden}
.stat-card{padding:36px 24px;text-align:center;border-right:1px solid var(--stone-lt)}
.stat-card:last-child{border-right:none}
.stat-num{font-family:var(--font-display);font-size:44px;color:var(--ember);line-height:1;margin-bottom:8px}
.stat-label{font-family:var(--font-mono);font-size:11px;text-transform:uppercase;letter-spacing:0.12em;color:var(--stone)}
.options-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.option-card{background:var(--white);border:1px solid var(--stone-lt);border-radius:var(--radius-lg);padding:36px 28px;display:flex;flex-direction:column;transition:all var(--dur-med) var(--ease)}
.option-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.option-card .option-label{font-family:var(--font-mono);font-size:11px;text-transform:uppercase;letter-spacing:0.12em;color:var(--ember);margin-bottom:12px}
.option-card h3{margin-bottom:12px}
.option-card .option-desc{color:var(--text-lt);font-size:15px;line-height:1.7;margin-bottom:20px;flex-grow:1}
.option-card ul{list-style:none;margin-bottom:24px}
.option-card li{padding:6px 0 6px 24px;position:relative;font-size:14px;color:var(--text)}
.option-card li::before{content:'';position:absolute;left:0;top:13px;width:14px;height:2px;background:var(--ember)}
.option-best{background:linear-gradient(180deg,rgba(217,119,6,0.04),rgba(217,119,6,0.01));border-color:var(--ember)}
.scenarios-grid{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--stone-lt);margin-top:40px}
.scenario-card{background:var(--white);padding:36px 32px}
.scenario-card h3{font-size:22px;margin-bottom:12px}
.scenario-card .scenario-intro{font-size:14px;color:var(--text-lt);font-style:italic;margin-bottom:14px}
.scenario-card p{font-size:15px;color:var(--text);line-height:1.7}
.why-us-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.why-card{padding:24px 0;border-top:1px solid var(--stone-lt)}
.why-card h4{color:var(--ember);font-family:var(--font-mono);font-size:11px;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:12px;font-weight:500}
.why-card p{font-size:15px;color:var(--text);line-height:1.7}
.situations-links{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1100px;margin:40px auto 0}
.sit-link{background:var(--white);border:1px solid var(--stone-lt);border-radius:var(--radius-md);padding:24px;text-decoration:none;color:var(--text);transition:all var(--dur-fast) var(--ease);display:flex;flex-direction:column;justify-content:space-between;min-height:160px}
.sit-link:hover{border-color:var(--ember);transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.sit-link h4{font-family:var(--font-display);font-size:18px;color:var(--dark);margin-bottom:6px}
.sit-link p{font-size:14px;color:var(--text-lt);line-height:1.6;margin-bottom:16px}
.sit-link .link-cta{font-family:var(--font-mono);font-size:11px;text-transform:uppercase;letter-spacing:0.08em;color:var(--ember);display:inline-flex;align-items:center;gap:6px}
.sit-link:hover .link-cta .arrow{transform:translateX(4px)}
.sit-link .link-cta .arrow{transition:transform var(--dur-fast) var(--ease)}
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--stone-lt)}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:22px 0;cursor:pointer;font-family:var(--font-display);font-size:19px;color:var(--dark);transition:color var(--dur-fast);gap:16px;text-align:left}
.faq-q:hover{color:var(--ember)}
.faq-q .toggle{font-family:var(--font-mono);font-size:22px;color:var(--stone);transition:transform var(--dur-med) var(--ease);flex-shrink:0;line-height:1}
.faq-item.open .faq-q .toggle{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height var(--dur-med) var(--ease)}
.faq-item.open .faq-a{max-height:600px}
.faq-a-inner{padding:0 0 24px 0;border-left:2px solid var(--ember);padding-left:24px;text-align:left}
.faq-a-inner p{font-size:15px;color:var(--text-lt);line-height:1.8}
.form-section{background:var(--dark);padding:100px 0;color:var(--white);position:relative;overflow:hidden}
.form-section::after{content:'';position:absolute;inset:0;opacity:0.03;background:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");pointer-events:none}
.form-section .container{position:relative;z-index:1;display:grid;grid-template-columns:1fr 480px;gap:60px;align-items:start}
.form-section h2{color:var(--white);margin-bottom:20px}
.form-section .form-intro{color:rgba(255,255,255,0.6);font-size:17px;line-height:1.7;margin-bottom:24px}
.form-section .form-intro strong{color:var(--white);font-weight:600}
.form-section ul{list-style:none;margin-bottom:24px}
.form-section ul li{padding:6px 0 6px 28px;position:relative;color:rgba(255,255,255,0.75);font-size:15px}
.form-section ul li::before{content:'\2713';position:absolute;left:0;top:4px;color:var(--ember);font-weight:700}
.form-section .call-section{margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1)}
.form-section .call-section a{font-family:var(--font-mono);font-size:24px;color:var(--ember);display:inline-flex;align-items:center;gap:8px}
.form-section .call-section a:hover{color:var(--ember-light)}
.form-section .call-section p{color:rgba(255,255,255,0.5);font-size:14px;margin-top:6px}
.form-card{background:var(--white);border-radius:var(--radius-lg);padding:36px 32px;box-shadow:var(--shadow-xl);border-top:3px solid var(--ember)}
.form-card h3{color:var(--dark);margin-bottom:4px;font-size:22px}
.form-card .form-sub{font-size:14px;color:var(--text-lt);margin-bottom:24px}
.form-label{display:block;font-family:var(--font-mono);font-size:11px;text-transform:uppercase;letter-spacing:0.1em;color:var(--stone);margin-bottom:6px;font-weight:500}
.form-input,.form-select{width:100%;padding:12px 14px;border:1px solid var(--stone-lt);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:15px;color:var(--dark);background:#FAFAF9;transition:all var(--dur-fast) var(--ease);outline:none}
.form-select{-webkit-appearance:none;appearance:none;cursor:pointer}
.form-input:focus,.form-select:focus{border-color:var(--ember);box-shadow:0 0 0 3px rgba(217,119,6,0.1);background:var(--white)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
.form-group{margin-bottom:12px}
.form-submit{width:100%;padding:16px;background:var(--ember);color:var(--white);border:none;border-radius:var(--radius-sm);font-family:var(--font-body);font-size:16px;font-weight:600;cursor:pointer;transition:all var(--dur-fast) var(--ease);display:flex;align-items:center;justify-content:center;gap:8px}
.form-submit:hover{background:var(--ember-dark);transform:translateY(-1px)}
.form-trust{text-align:center;font-size:12px;color:var(--text-lt);margin-top:12px}
#form-success{display:none;text-align:center;padding:16px 0}
#form-success .check{width:56px;height:56px;background:var(--success);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
#form-success h3{margin-bottom:8px}
#form-success p{color:var(--text-lt);font-size:14px;margin-bottom:20px}
footer{background:var(--dark);padding:56px 0 32px;color:rgba(255,255,255,0.5);font-size:14px}
footer .container{text-align:center}
.footer-brand{font-family:var(--font-display);color:var(--ember);font-size:18px;margin-bottom:10px}
.footer-brokerage{font-size:13px;color:rgba(255,255,255,0.4);margin-bottom:20px;max-width:620px;margin-left:auto;margin-right:auto;line-height:1.7}
.footer-links{display:flex;justify-content:center;gap:24px;flex-wrap:wrap;margin-bottom:24px}
.footer-links a{color:rgba(255,255,255,0.6);font-size:14px}
.footer-links a:hover{color:var(--ember)}
.footer-copy{font-size:12px;color:rgba(255,255,255,0.3);padding-top:20px;border-top:1px solid rgba(255,255,255,0.06)}
[data-reveal]{opacity:0;transform:translateY(24px);transition:opacity var(--dur-slow) var(--ease),transform var(--dur-slow) var(--ease)}
[data-reveal].revealed{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){[data-reveal]{opacity:1;transform:none;transition:none}}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr;gap:40px}.hero-right{padding-top:0}.stats-grid{grid-template-columns:1fr}.stat-card{border-right:none;border-bottom:1px solid var(--stone-lt)}.stat-card:last-child{border-bottom:none}.options-grid,.why-us-grid{grid-template-columns:1fr}.scenarios-grid{grid-template-columns:1fr}.situations-links{grid-template-columns:1fr}.form-section .container{grid-template-columns:1fr}.nav-links{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(28,25,23,0.98);flex-direction:column;justify-content:center;align-items:center;gap:24px;z-index:9999}.nav-links.open{display:flex}.nav-links a{font-size:24px;color:var(--white)}.mobile-toggle{display:block}.nav-phone,.nav-cta{display:none}}
@media(max-width:600px){.hero{padding:110px 0 80px}.breadcrumb{margin-bottom:32px}.hero-trust{flex-wrap:wrap}.hero-trust-item{border-right:none;margin-right:16px;padding-right:0;margin-bottom:6px}section{padding:56px 0}.form-row{grid-template-columns:1fr}.hero-sub{font-size:16px}.nav-brand span{display:none}.local-bar{font-size:12px;padding:14px 16px}}