:root {
    --forest: #02abe4;
    --forest-mid: #016cda;
    --forest-light: #007faa;
    --gold: #fd8801;
    --gold-light: #f27e08;
    --amber: #ffc808;
    --cream: #F8F4EC;
    --slate: #1A2332;
    --mist: #EAF2EE;
    --text-dark: #111B14;
    --text-body: #2E3D35;
    --text-muted: #5A6E62;
    --border: #D4E4DB;
    --white: #FFFFFF;
    --danger: #fb8602;
    --danger-bg: #d8f5ff;
    --shadow-card: 0 4px 24px rgba(10,59,40,0.10);
    --shadow-hero: 0 8px 48px rgba(10,59,40,0.22);
    --radius: 12px;
    --radius-lg: 20px;
  }

  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Montserrat', sans-serif;
    background: var(--white);
    color: var(--text-body);
    font-size: 16px;
    line-height: 1.65;
    overflow-x: hidden;
  }

  /* ── STICKY TOP BAR ── */
  .topbar {
    background: var(--forest);
    color: var(--white);
    text-align: center;
    padding: 10px 20px;
    font-size: 13.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    position: sticky;
    top: 0;
    z-index: 999;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 28px;
    flex-wrap: wrap;
  }
  .topbar a {
    color: var(--amber);
    text-decoration: none;
    font-weight: 700;
    letter-spacing: 0.03em;
  }
  .topbar span { opacity: 0.6; }

  /* ── NAV ── */
  nav {
    background: var(--white);
    border-bottom: 1.5px solid var(--border);
    padding: 14px 40px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
  }
  .logo {
    font-family: 'Montserrat', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--forest);
    letter-spacing: -0.02em;
  }
  .logo span { color: var(--gold); }
  .nav-cta {
    background: var(--gold);
    color: var(--white);
    padding: 10px 24px;
    border-radius: 8px;
    font-weight: 700;
    font-size: 14px;
    text-decoration: none;
    transition: background 0.2s;
    letter-spacing: 0.01em;
  }
  .nav-cta:hover { background: var(--gold-light); }

  /* ── HERO ── */
  .hero {
    background: linear-gradient(135deg, var(--forest) 0%, var(--forest-mid) 55%, #0098be 100%);
    position: relative;
    overflow: hidden;
    padding: 72px 40px 80px;
  }
  .hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
  }
  .hero::after {
    content: '';
    position: absolute;
    bottom: -60px; right: -80px;
    width: 480px; height: 480px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(200,150,12,0.12) 0%, transparent 70%);
    pointer-events: none;
  }

  .hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
  }

  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgb(26 25 23 / 18%);
    border: 1px solid rgba(200,150,12,0.35);
    color: #fff;
    padding: 6px 16px;
    border-radius: 40px;
    font-size: 12.5px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 20px;
  }
  .hero-badge::before { content: '●'; font-size: 8px; animation: pulse 1.6s ease-in-out infinite; }
  @keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.3} }

  .hero h1 {
    font-family: 'Montserrat', serif;
    font-size: clamp(30px, 4vw, 50px);
    font-weight: 600;
    color: var(--white);
    line-height: 1.12;
    letter-spacing: -0.02em;
    margin-bottom: 20px;
  }
  .hero h1 em {
    font-style: normal;
    color: var(--amber);
  }

  .hero-sub {
    color: rgba(255,255,255,1);
    font-size: 17px;
    margin-bottom: 32px;
    max-width: 520px;
    font-weight: 400;
  }

  .hero-stats {
    display: flex;
    gap: 32px;
    flex-wrap: wrap;
    margin-bottom: 0;
  }
  .stat {
    display: flex;
    flex-direction: column;
  }
  .stat-num {
    font-family: 'Montserrat', serif;
    font-size: 32px;
    font-weight: 600;
    color: var(--amber);
    line-height: 1;
  }
  .stat-label {
    font-size: 12px;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-top: 4px;
  }

  /* ── LEAD FORM ── */
  .lead-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    box-shadow: var(--shadow-hero);
    border: 1.5px solid rgba(200,150,12,0.15);
    animation: slideUp 0.7s ease both;
  }
  @keyframes slideUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }

  .form-title {
    font-family: 'Montserrat', serif;
    font-size: 21px;
    font-weight: 700;
    color: var(--forest);
    margin-bottom: 6px;
  }
  .form-sub {
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 24px;
  }
  .form-sub strong { color: var(--gold); }

  .form-group { margin-bottom: 14px; }
  .form-group label {
    display: block;
    font-size: 12.5px;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 5px;
    letter-spacing: 0.02em;
  }
  .form-group input,
  .form-group select {
    width: 100%;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 11px 14px;
    font-family: 'DM Sans', sans-serif;
    font-size: 14.5px;
    color: var(--text-dark);
    background: var(--cream);
    transition: border-color 0.2s, box-shadow 0.2s;
    outline: none;
  }
  .form-group input:focus,
  .form-group select:focus {
    border-color: var(--forest-light);
    box-shadow: 0 0 0 3px rgba(30,107,71,0.12);
    background: var(--white);
  }

  .btn-submit {
    width: 100%;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--white);
    border: none;
    border-radius: 10px;
    padding: 15px;
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    letter-spacing: 0.03em;
    margin-top: 6px;
    transition: transform 0.15s, box-shadow 0.2s;
    box-shadow: 0 4px 16px rgba(200,150,12,0.35);
  }
  .btn-submit:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(200,150,12,0.45); }
  .btn-submit:active { transform: translateY(0); }

  .form-guarantee {
    text-align: center;
    font-size: 11.5px;
    color: var(--text-muted);
    margin-top: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
  }

  /* ── TRUST STRIP ── */
  .trust-strip {
    background: var(--cream);
    border-bottom: 1.5px solid var(--border);
    padding: 18px 40px;
  }
  .trust-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 40px;
    flex-wrap: wrap;
  }
  .trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13.5px;
    font-weight: 500;
    color: var(--text-dark);
  }
  .trust-icon {
    width: 34px;
    height: 34px;
    background: var(--forest);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    flex-shrink: 0;
  }

  /* ── SECTIONS ── */
  section { padding: 72px 40px; }

  .section-label {
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
  }
  h2 {
    font-family: 'Montserrat', serif;
    font-size: clamp(26px, 3.5vw, 40px);
    font-weight: 600;
    color: var(--forest);
    line-height: 1.15;
    letter-spacing: -0.02em;
    margin-bottom: 14px;
  }
  .section-desc {
    color: var(--text-muted);
    font-size: 16.5px;
    max-width: 600px;
  }

  .max-w { max-width: 1100px; margin: 0 auto; }

  /* ── ABOUT SECTION ── */
  .about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
    margin-top: 48px;
  }
  .about-visual {
    position: relative;
  }
  .about-card-main {
    background: var(--forest);
    border-radius: var(--radius-lg);
    padding: 40px;
    color: var(--white);
    position: relative;
    overflow: hidden;
  }
  .about-card-main::after {
    content: 'MOEF';
    position: absolute;
    right: -10px; bottom: -20px;
    font-family: 'Montserrat', serif;
    font-size: 80px;
    font-weight: 600;
    color: rgba(255,255,255,0.05);
    pointer-events: none;
    line-height: 1;
  }
  .about-card-main h3 {
    font-family: 'Montserrat', serif;
    font-size: 22px;
    color: var(--amber);
    margin-bottom: 12px;
  }
  .about-card-main p { font-size: 14.5px; opacity: 0.82; line-height: 1.7; }

  .about-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--mist);
    border: 1px solid var(--border);
    padding: 8px 16px;
    border-radius: 40px;
    font-size: 13px;
    font-weight: 600;
    color: var(--forest);
    margin: 6px 6px 0 0;
  }

  .about-points { list-style: none; }
  .about-points li {
    display: flex;
    gap: 14px;
    margin-bottom: 24px;
    align-items: flex-start;
  }
  .point-icon {
    width: 40px;
    height: 40px;
    background: var(--mist);
    border: 1.5px solid var(--border);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    flex-shrink: 0;
  }
  .point-text strong {
    display: block;
    font-size: 15.5px;
    color: var(--text-dark);
    font-weight: 600;
    margin-bottom: 3px;
  }
  .point-text span { font-size: 13.5px; color: var(--text-muted); }

  /* ── WHO NEEDS ── */
  .who-bg { background: var(--mist); }
  .who-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 48px;
  }
  .who-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 24px;
    border: 1.5px solid var(--border);
    transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
    position: relative;
    overflow: hidden;
  }
  .who-card:hover {
    box-shadow: var(--shadow-card);
    transform: translateY(-4px);
    border-color: var(--forest-light);
  }
  .who-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--forest), var(--gold));
    opacity: 0;
    transition: opacity 0.2s;
  }
  .who-card:hover::before { opacity: 1; }
  .who-emoji { font-size: 30px; margin-bottom: 12px; display: block; }
  .who-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--forest);
    margin-bottom: 6px;
  }
  .who-card p { font-size: 13.5px; color: var(--text-muted); }

  /* ── PROCESS ── */
  .process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 56px;
    position: relative;
  }
  .process-steps::before {
    content: '';
    position: absolute;
    top: 30px; left: 16%; right: 16%;
    height: 2px;
    background: linear-gradient(90deg, var(--forest-light), var(--gold));
    z-index: 0;
  }
  .step {
    text-align: center;
    position: relative;
    z-index: 1;
  }
  .step-num {
    width: 60px;
    height: 60px;
    background: var(--forest);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', serif;
    font-size: 22px;
    font-weight: 600;
    margin: 0 auto 18px;
    border: 4px solid var(--white);
    box-shadow: 0 0 0 2px var(--forest);
  }
  .step h3 { font-size: 15.5px; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
  .step p { font-size: 13px; color: var(--text-muted); }

  /* ── DOCS SECTION ── */
  .docs-bg { background: var(--forest); }
  .docs-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    margin-top: 48px;
  }
  .docs-card {
    background: rgba(0,0,0,0.08);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius);
    padding: 28px;
  }
  .docs-card-title {
    font-size: 18px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #fff;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .docs-list { list-style: none; }
  .docs-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 9px 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    font-size: 16px;
    color: rgba(255,255,255,1); font-weight: 500;
  }
  .docs-list li:last-child { border-bottom: none; }
  .docs-list li::before {
    content: '✓';
    width: 20px;
    height: 20px;
    background: rgba(255,255,255,1);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    color: var(--amber);
    flex-shrink: 0;
    font-weight: 700;
  }

  /* ── PENALTIES ── */
  .penalty-bg { background: var(--danger-bg); }
  .penalty-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 32px;
  }
  .penalty-icon {
    width: 56px;
    height: 56px;
    background: var(--danger);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    flex-shrink: 0;
  }
  .penalty-header h2 { color: var(--danger); margin-bottom: 4px; }
  .penalty-header p { color: #7A3027; font-size: 15px; margin: 0; }

  .penalty-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }
  .penalty-card {
    background: var(--white);
    border: 1.5px solid #EAC0BC;
    border-radius: var(--radius);
    padding: 24px;
  }
  .penalty-card-icon { font-size: 28px; margin-bottom: 10px; }
  .penalty-card h3 { font-size: 15px; font-weight: 700; color: var(--danger); margin-bottom: 6px; }
  .penalty-card p { font-size: 13px; color: #6B3830; }

  /* ── WHY US ── */
  .why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 48px;
  }
  .why-card {
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 28px 24px;
    position: relative;
    transition: box-shadow 0.2s, transform 0.2s;
  }
  .why-card:hover { box-shadow: var(--shadow-card); transform: translateY(-3px); }
  .why-card.featured {
    background: var(--forest);
    border-color: var(--forest);
    color: var(--white);
  }
  .why-num {
    font-family: 'Montserrat', serif;
    font-size: 52px;
    font-weight: 600;
    color: rgba(0,0,0,0.6); ;
    line-height: 1;
    margin-bottom: 8px;
    letter-spacing: -0.04em;
  }
  .why-card.featured .why-num { color: rgba(255,255,255,0.6); }
  .why-card h3 { font-size: 16px; font-weight: 700; color: var(--forest); margin-bottom: 8px; }
  .why-card.featured h3 { color: #fff; }
  .why-card p { font-size: 13.5px; color: var(--text-muted); }
  .why-card.featured p { color: rgba(255,255,255,0.72); }

  /* ── FAQ ── */
  .faq-bg { background: var(--cream); }
  .faq-list { margin-top: 44px; max-width: 820px; margin-left: auto; margin-right: auto; }
  .faq-item {
    border-bottom: 1.5px solid var(--border);
    padding: 20px 0;
  }
  .faq-q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    cursor: pointer;
    gap: 16px;
    user-select: none;
  }
  .faq-q span {
    font-size: 15.5px;
    font-weight: 600;
    color: var(--text-dark);
  }
  .faq-toggle {
    width: 28px;
    height: 28px;
    background: var(--forest);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 300;
    flex-shrink: 0;
    transition: transform 0.25s;
    line-height: 1;
  }
  .faq-item.open .faq-toggle { transform: rotate(45deg); }
  .faq-a {
    font-size: 14.5px;
    color: var(--text-muted);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding-top 0.25s;
    line-height: 1.7;
  }
  .faq-item.open .faq-a { max-height: 200px; padding-top: 14px; }

  /* ── FINAL CTA ── */
  .cta-section {
    background: linear-gradient(135deg, var(--forest) 0%, var(--forest-mid) 100%);
    text-align: center;
    padding: 80px 40px;
    position: relative;
    overflow: hidden;
  }
  .cta-section::before {
    content: '';
    position: absolute;
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(200,150,12,0.14) 0%, transparent 70%);
    top: 50%; left: 50%;
    transform: translate(-50%,-50%);
    pointer-events: none;
  }
  .cta-section h2 {
    color: var(--white);
    font-size: clamp(28px, 4vw, 44px);
    margin-bottom: 16px;
    position: relative;
  }
  .cta-section h2 em { font-style: normal; color: var(--amber); }
  .cta-section p {
    color: rgba(255,255,255,0.7);
    font-size: 17px;
    margin-bottom: 36px;
    position: relative;
  }
  .cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    position: relative;
  }
  .btn-primary {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--white);
    padding: 16px 36px;
    border-radius: 10px;
    font-weight: 700;
    font-size: 16px;
    text-decoration: none;
    transition: transform 0.15s, box-shadow 0.2s;
    box-shadow: 0 4px 20px rgba(200,150,12,0.4);
    letter-spacing: 0.02em;
  }
  .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(200,150,12,0.5); }
  .btn-outline {
    background: transparent;
    color: var(--white);
    padding: 15px 32px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 16px;
    text-decoration: none;
    border: 2px solid rgba(255,255,255,0.35);
    transition: border-color 0.2s, background 0.2s;
  }
  .btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.07); }

  /* ── FOOTER ── */
  footer {
    background: var(--slate);
    color: rgba(255,255,255,0.55);
    text-align: center;
    padding: 28px 40px;
    font-size: 13px;
    line-height: 1.8;
  }
  footer a { color: var(--amber); text-decoration: none; }
  footer strong { color: rgba(255,255,255,0.8); }

  /* ── FLOATING CALL BTN (mobile) ── */
  .float-call {
    position: fixed;
    bottom: 24px;
    right: 24px;
    background: var(--gold);
    color: var(--white);
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: none;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    box-shadow: 0 4px 20px rgba(200,150,12,0.55);
    text-decoration: none;
    z-index: 999;
    animation: bounce 2.4s ease-in-out infinite;
  }
  @keyframes bounce { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-5px)} }

  /* ── RESPONSIVE ── */
  @media (max-width: 600px) {
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .about-grid { grid-template-columns: 1fr; }
    .who-grid { grid-template-columns: 1fr 1fr; }
    .process-steps { grid-template-columns: 1fr; }
    .process-steps::before { display: none; }
    .docs-grid { grid-template-columns: 1fr; }
    .penalty-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 600px) {
    section { padding: 52px 20px; }
    nav { padding: 12px 20px; }
    .hero { padding: 52px 20px 60px; }
    .trust-strip { padding: 16px 20px; }
    .trust-inner { gap: 20px; }
    .who-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .topbar { gap: 12px; font-size: 12px; }
    .float-call { display: flex; }
    footer { padding: 24px 20px; }
  }

  /* Animation */
  .fade-in {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.55s ease, transform 0.55s ease;
  }
  .fade-in.visible { opacity: 1; transform: translateY(0); }

/* ── THEME COMPAT: wordmark logo inside the landing nav ── */
nav .logo a,nav .logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:'Montserrat',sans-serif;font-weight:800;font-size:21px;color:var(--slate)}
nav .logo .mark{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--forest),var(--forest-mid));display:grid;place-items:center;color:var(--white);font-size:18px}
nav .logo b{color:var(--gold)}
nav .logo img{max-height:44px;width:auto}