@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Manrope:wght@400;500;600;700;800&display=swap');

:root{
  --teal:#234b56;
  --teal-dark:#173740;
  --ink:#1d292e;
  --muted:#68757a;
  --ivory:#fbf8f3;
  --stone:#f0ece5;
  --white:#fff;
  --sage:#dfe8df;
  --sage-dark:#9fb1a1;
  --plum:#7b687f;
  --mist:#b8c9ce;
  --line:rgba(29,41,46,.13);
  --shadow:0 26px 70px rgba(28,45,50,.12);
  --shadow-soft:0 14px 38px rgba(28,45,50,.08);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:var(--ivory);
  font-family:"Manrope",system-ui,sans-serif;
  line-height:1.65;
  text-rendering:optimizeLegibility;
}
img{display:block;max-width:100%}
a{color:inherit}
button,input,textarea{font:inherit}
.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}
main{min-height:70vh}
section{padding:96px 0}
h1,h2,h3{
  margin:0;
  font-family:"DM Serif Display",Georgia,serif;
  font-weight:400;
  line-height:1.03;
}
h1{font-size:clamp(3rem,6vw,6rem);letter-spacing:-.045em}
h2{font-size:clamp(2.35rem,4.6vw,4.4rem);letter-spacing:-.035em}
h3{font-size:1.52rem}
p{margin:0 0 1rem}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:9px;
  font-size:.72rem;
  line-height:1;
  font-weight:800;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--teal);
}
.eyebrow:before{content:"";width:34px;height:1px;background:currentColor}
.lead{font-size:1.08rem;color:var(--muted);max-width:700px}
.muted{color:var(--muted)}
.button{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:52px;
  padding:0 23px;
  border-radius:999px;
  border:1px solid transparent;
  text-decoration:none;
  font-size:.88rem;
  font-weight:800;
  cursor:pointer;
  transition:transform .2s,background .2s,box-shadow .2s;
}
.button:hover{transform:translateY(-2px)}
.button-primary,.button-primary:link,.button-primary:visited,.button-primary:hover,.button-primary:active{
  color:#fff!important;
  background:var(--teal);
  box-shadow:0 12px 30px rgba(35,75,86,.2);
}
.button-primary:hover{background:var(--teal-dark)}
.button-secondary{color:var(--teal);border-color:rgba(35,75,86,.32);background:transparent}
.button-light{background:#fff;color:var(--teal-dark);box-shadow:var(--shadow-soft)}

.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(251,248,243,.94);
  backdrop-filter:blur(18px);
  border-bottom:1px solid var(--line);
}
.nav{
  min-height:92px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
}
.logo{width:238px;line-height:0;flex:0 0 auto}
.logo img{width:100%}
.nav-links{display:flex;align-items:center;gap:26px;margin-left:auto}
.nav-links a{font-size:.84rem;font-weight:700;text-decoration:none;color:#536066}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--teal)}
.mobile-toggle{
  display:none;
  width:46px;
  height:46px;
  border:1px solid var(--line);
  border-radius:50%;
  background:#fff;
  cursor:pointer;
  align-items:center;
  justify-content:center;
}
.mobile-toggle span,.mobile-toggle:before,.mobile-toggle:after{
  content:"";
  display:block;
  width:19px;
  height:2px;
  background:var(--teal);
  transition:.2s;
}
.mobile-toggle span{margin:4px 0}
.mobile-menu{
  display:none;
  position:fixed;
  inset:79px 0 auto 0;
  z-index:95;
  background:var(--ivory);
  border-bottom:1px solid var(--line);
  box-shadow:var(--shadow-soft);
}
.mobile-menu.open{display:block}
.mobile-menu-inner{padding:14px 20px 24px;display:grid;gap:4px}
.mobile-menu a{
  padding:14px 4px;
  border-bottom:1px solid var(--line);
  font-weight:700;
  text-decoration:none;
}
.mobile-menu .button{margin-top:12px}

.page-hero{
  position:relative;
  overflow:hidden;
  padding:90px 0 88px;
  background:
    radial-gradient(circle at 82% 16%,rgba(184,201,206,.32),transparent 33%),
    radial-gradient(circle at 10% 2%,rgba(223,232,223,.5),transparent 32%),
    linear-gradient(145deg,#fbf8f3 0%,#f6f2eb 75%,#eef2ef 100%);
}
.page-hero:after{
  content:"";
  position:absolute;
  width:420px;height:420px;right:-170px;bottom:-235px;
  border:1px solid rgba(35,75,86,.15);
  border-radius:50%;
  box-shadow:0 0 0 60px rgba(35,75,86,.03),0 0 0 120px rgba(35,75,86,.02);
}
.page-hero-grid{
  position:relative;z-index:1;
  display:grid;
  grid-template-columns:1.08fr .92fr;
  gap:70px;
  align-items:center;
}
.page-hero h1{margin:22px 0}
.page-hero h1 em{color:var(--teal);font-style:italic}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero-note{margin-top:16px;font-size:.8rem;color:var(--muted);font-weight:700}

.report-stack{position:relative;min-height:460px}
.report-sheet{
  position:absolute;background:#fff;border:1px solid rgba(29,41,46,.1);
  border-radius:16px;box-shadow:var(--shadow);
}
.report-sheet.back{width:72%;height:370px;right:2%;top:20px;transform:rotate(5deg);background:#e8efeb}
.report-sheet.middle{width:77%;height:390px;left:4%;top:46px;transform:rotate(-4deg);background:#f7f4ef}
.report-sheet.front{width:81%;min-height:410px;right:5%;top:34px;padding:30px;transform:rotate(1deg)}
.report-brand{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.report-brand img{width:142px}
.report-brand span{font-size:.62rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.report-title{margin:25px 0 7px;font:400 1.8rem/1.08 "DM Serif Display",Georgia,serif}
.report-sub{font-size:.76rem;color:var(--muted)}
.report-rule{width:70px;height:5px;margin:20px 0;border-radius:99px;background:var(--teal)}
.report-finding{margin-top:12px;padding:13px 15px;border-radius:10px;background:#f5f2ed}
.report-finding strong{display:block;font-size:.78rem;margin-bottom:3px}
.report-finding span{font-size:.69rem;color:var(--muted)}
.report-finding.highlight{background:var(--sage)}

.credibility{padding:0;background:var(--teal-dark);color:#fff}
.credibility-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:25px 26px;border-right:1px solid rgba(255,255,255,.12)}
.trust-item:last-child{border-right:0}
.trust-item strong{display:block;font-size:.88rem}
.trust-item span{font-size:.75rem;color:rgba(255,255,255,.63)}

.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cards{margin-top:42px}
.card{
  padding:28px;
  border:1px solid var(--line);
  border-radius:20px;
  background:#fff;
  box-shadow:var(--shadow-soft);
}
.card p{margin-top:11px;color:var(--muted);font-size:.9rem}
.card .number{
  width:40px;height:40px;margin-bottom:28px;border-radius:50%;
  display:grid;place-items:center;background:var(--teal);color:#fff;font-size:.76rem;font-weight:800
}

.section-stone{background:var(--stone)}
.section-teal{background:var(--teal-dark);color:#fff}
.section-teal .eyebrow{color:var(--sage)}
.section-teal p{color:rgba(255,255,255,.72)}

.list{display:grid;border-top:1px solid var(--line)}
.list-item{display:grid;grid-template-columns:48px 1fr;gap:17px;padding:22px 0;border-bottom:1px solid var(--line)}
.list-item .no{font-family:"DM Serif Display",Georgia,serif;font-size:1.35rem;color:var(--plum)}
.list-item strong{display:block;margin-bottom:4px}
.list-item p{margin:0;color:var(--muted);font-size:.9rem}

.sample-visual{
  min-height:500px;padding:30px;position:relative;overflow:hidden;
  border-radius:30px;background:var(--teal-dark);box-shadow:var(--shadow)
}
.sample-visual:after{content:"";position:absolute;width:310px;height:310px;right:-160px;top:-150px;border:45px solid rgba(255,255,255,.05);border-radius:50%}
.mini-page{position:absolute;width:65%;min-height:350px;padding:25px;border-radius:12px;background:#fff;box-shadow:0 22px 52px rgba(0,0,0,.27)}
.mini-page.one{left:30px;top:46px;transform:rotate(-4deg)}
.mini-page.two{right:28px;bottom:40px;transform:rotate(5deg)}
.mini-page h3{font-size:1.3rem;margin-bottom:18px}
.map-row{display:flex;align-items:center;gap:8px;margin:10px 0}
.map-box{flex:1;padding:9px;border-radius:8px;background:#eef2ef;font-size:.56rem;font-weight:700}
.risk-line{height:9px;border-radius:99px;margin:11px 0;background:#e7e3dc}
.risk-line:nth-child(2){width:90%;background:#9fb1a1}
.risk-line:nth-child(3){width:72%;background:#b8c9ce}
.risk-line:nth-child(4){width:82%;background:#7b687f}

.founder-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:68px;align-items:center}
.portrait-wrap{position:relative;max-width:440px}
.portrait-wrap:before{content:"";position:absolute;inset:-14px 20px 20px -14px;border:1px solid rgba(255,255,255,.27);border-radius:27px}
.portrait-wrap img{position:relative;width:100%;aspect-ratio:1/1.08;object-fit:cover;border-radius:24px}
.signature{margin-top:28px;font:italic 1.4rem "DM Serif Display",Georgia,serif}
.signature span{display:block;margin-top:4px;font:normal .7rem "Manrope";letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.55)}

.steps{display:grid;grid-template-columns:repeat(4,1fr);margin-top:40px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.step{min-height:235px;padding:30px 24px;border-right:1px solid var(--line)}
.step:last-child{border-right:0}
.step-no{display:block;margin-bottom:38px;font-size:.68rem;font-weight:800;letter-spacing:.13em;color:var(--plum)}
.step p{margin-top:10px;color:var(--muted);font-size:.86rem}

.price-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.price-card{padding:42px;border-radius:26px;background:#fff;box-shadow:var(--shadow)}
.price-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.price-value{font:400 4.4rem/1 "DM Serif Display",Georgia,serif;color:var(--teal)}
.price-value small{font:700 .7rem "Manrope";color:var(--muted)}
.price-list{display:grid;gap:11px;margin:25px 0 29px}
.price-list div{display:flex;gap:11px;font-size:.9rem}
.price-list b{color:var(--teal)}
.risk-reversal{padding:34px;border-left:2px solid var(--teal)}
.risk-reversal h2{font-size:2.6rem;margin-bottom:16px}
.risk-reversal p{color:var(--muted)}

.faq-list{border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:22px 36px 22px 0;position:relative;font-weight:800;font-size:.94rem}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:16px;font:400 1.65rem "DM Serif Display";color:var(--teal)}
details[open] summary:after{content:"-"}
details p{padding:0 35px 22px 0;color:var(--muted);font-size:.88rem}

.apply-shell{display:grid;grid-template-columns:.78fr 1.22fr;border-radius:30px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.apply-intro{padding:48px;color:#fff;background:var(--plum)}
.apply-intro .eyebrow{color:#fff}
.apply-intro p{color:rgba(255,255,255,.75)}
.form-card{padding:46px}
form{display:grid;gap:17px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{font-size:.8rem;font-weight:800;color:#4d5b60}
input,textarea{width:100%;margin-top:7px;padding:14px 15px;border:1px solid rgba(29,41,46,.18);border-radius:10px;background:#fdfcf9;color:var(--ink)}
textarea{min-height:110px;resize:vertical}
input:focus,textarea:focus{outline:3px solid rgba(35,75,86,.12);border-color:var(--teal)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.74rem;font-weight:500;color:var(--muted)}
.consent input{width:auto;margin:4px 0 0}
.status{display:none;padding:13px 15px;border-radius:9px;font-size:.82rem;font-weight:700}
.status.ok{display:block;background:#e4f0e4;color:#31513a}
.status.bad{display:block;background:#f8e3e3;color:#7a2626}
.form-note{font-size:.7rem;color:#7a8589}

footer{padding:56px 0 28px;background:var(--teal-dark);color:#fff}
.footer-grid{display:grid;grid-template-columns:1.2fr .7fr .7fr;gap:38px}
.footer-logo{width:215px;padding:11px 15px;border-radius:13px;background:var(--ivory)}
.footer-copy{max-width:360px;margin-top:16px;color:rgba(255,255,255,.62);font-size:.8rem}
footer h4{margin:0 0 14px;font-size:.75rem;text-transform:uppercase;letter-spacing:.1em}
footer a{display:block;margin:7px 0;color:rgba(255,255,255,.67);text-decoration:none;font-size:.8rem}
.legal{display:flex;justify-content:space-between;gap:24px;margin-top:38px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.45);font-size:.68rem}

@media(max-width:980px){
  .nav-links{display:none}
  .mobile-toggle{display:flex;flex-direction:column}
  .page-hero-grid,.grid-2,.founder-grid,.price-grid,.apply-shell{grid-template-columns:1fr}
  .page-hero-grid{gap:45px}
  .report-stack{max-width:640px;width:100%;margin:auto}
  .grid-3{grid-template-columns:1fr 1fr}
  .founder-grid{gap:42px}
  .portrait-wrap{max-width:460px}
  .steps{grid-template-columns:1fr 1fr}
  .step:nth-child(2){border-right:0}
  .step:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
}
@media(max-width:640px){
  .wrap{width:min(calc(100% - 24px),var(--max))}
  section{padding:70px 0}
  .nav{min-height:78px}
  .logo{width:176px}
  .mobile-menu{inset:79px 0 auto 0}
  .page-hero{padding:62px 0 70px}
  h1{font-size:3.15rem}
  h2{font-size:2.55rem}
  .hero-actions .button{width:100%}
  .report-stack{min-height:390px}
  .report-sheet.back{height:320px}
  .report-sheet.middle{height:337px}
  .report-sheet.front{min-height:355px;padding:22px;right:3%}
  .report-brand img{width:120px}
  .report-title{font-size:1.45rem}
  .credibility-grid{grid-template-columns:1fr 1fr}
  .trust-item:nth-child(2){border-right:0}
  .trust-item:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.12)}
  .grid-3{grid-template-columns:1fr}
  .sample-visual{min-height:445px;padding:18px}
  .mini-page{width:73%;padding:18px}
  .steps{grid-template-columns:1fr}
  .step{border-right:0!important;border-bottom:1px solid var(--line)!important}
  .step:last-child{border-bottom:0!important}
  .price-card,.apply-intro,.form-card{padding:28px 22px}
  .price-head{align-items:flex-start;flex-direction:column}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-grid>div:first-child{grid-column:auto}
  .legal{display:block}
  .legal span{display:block;margin-top:8px}
}


/* Insights */
.insights-hero{padding:84px 0 72px}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:42px}
.article-card{
  display:flex;flex-direction:column;min-height:100%;
  padding:28px;border:1px solid var(--line);border-radius:20px;background:#fff;
  box-shadow:var(--shadow-soft);text-decoration:none;transition:transform .2s,box-shadow .2s
}
.article-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.article-card .kicker{font-size:.68rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--plum)}
.article-card h2{font-size:1.9rem;margin:16px 0 13px;letter-spacing:-.025em}
.article-card p{color:var(--muted);font-size:.9rem}
.article-card .read-more{margin-top:auto;padding-top:18px;font-size:.8rem;font-weight:800;color:var(--teal)}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 260px;gap:70px;align-items:start}
.article-body{font-size:1.02rem}
.article-body>p:first-of-type{font-size:1.2rem;color:#4f5c61}
.article-body h2{font-size:2.25rem;margin:48px 0 17px}
.article-body h3{font-size:1.45rem;margin:34px 0 12px}
.article-body p{margin-bottom:1.3rem}
.article-body ul,.article-body ol{padding-left:1.3rem;margin:0 0 1.4rem}
.article-body li{margin:.55rem 0}
.article-meta{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;color:var(--muted);font-size:.78rem;font-weight:700}
.article-aside{position:sticky;top:118px}
.article-aside .aside-card{padding:24px;border-radius:18px;background:var(--stone);border:1px solid var(--line)}
.article-aside h3{font-size:1.45rem;margin-bottom:12px}
.article-aside p{font-size:.86rem;color:var(--muted)}
.article-cta{margin-top:54px;padding:34px;border-radius:22px;background:var(--teal-dark);color:#fff}
.article-cta p{color:rgba(255,255,255,.72)}
.breadcrumbs{font-size:.75rem;color:var(--muted);margin-bottom:22px}
.breadcrumbs a{text-decoration:none;color:var(--teal)}
@media(max-width:980px){
  .article-grid{grid-template-columns:1fr 1fr}
  .article-shell{grid-template-columns:1fr}
  .article-aside{position:static}
}
@media(max-width:640px){
  .insights-hero{padding:60px 0}
  .article-grid{grid-template-columns:1fr}
  .article-card{padding:24px}
  .article-body{font-size:.98rem}
  .article-body h2{font-size:2rem}
  .article-cta{padding:26px}
}