:root{
  --bg:#0b0f14;
  --ink:#12161d;
  --muted:#67707d;
  --gold:#c89b3c;
  --gold2:#e2bd66;
  --line:#e7e4dc;
  --soft:#f7f5ef;
  --white:#ffffff;
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit;text-decoration:none}.container{width:min(1240px,94%);margin:auto}.topbar{background:#0b0f14;color:#fff;font-size:14px}.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:9px 0;flex-wrap:wrap}.topbar span{display:inline-flex;gap:8px;align-items:center}.header{background:#fff;border-bottom:1px solid #eee;position:sticky;top:0;z-index:20}.navrow{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:10px 0}.logo img{height:62px;max-width:280px;object-fit:contain}.nav{display:flex;gap:18px;align-items:center;font-weight:700;white-space:nowrap;flex-wrap:nowrap}.nav a{font-size:13px;text-transform:uppercase;letter-spacing:.035em;white-space:nowrap}.nav a:hover{color:var(--gold)}.nav .cta{background:var(--gold);color:#111;padding:10px 14px;border-radius:999px}.hero{background:linear-gradient(90deg,rgba(11,15,20,.88),rgba(11,15,20,.55)),url('../assets/hero.jpg');background-size:cover;background-position:center;min-height:530px;color:#fff;display:flex;align-items:center}.hero h1{font-size:clamp(38px,6vw,72px);line-height:1.02;margin:0 0 18px}.hero p{font-size:20px;max-width:700px;color:#f4f0e7}.btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:14px 22px;border-radius:4px;font-weight:700;text-transform:uppercase;letter-spacing:.04em}.btn.gold{background:var(--gold);color:#111}.btn.dark{background:#fff;color:#111}.section{padding:72px 0}.section.soft{background:var(--soft)}.eyebrow{color:var(--gold);text-transform:uppercase;font-weight:800;letter-spacing:.12em;font-size:13px;margin-bottom:10px}.title{font-size:clamp(28px,4vw,44px);line-height:1.12;margin:0 0 18px}.lead{font-size:18px;color:var(--muted);max-width:850px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:#fff;border:1px solid var(--line);padding:28px;border-radius:12px;box-shadow:0 10px 28px rgba(0,0,0,.05)}.card h3{margin:0 0 10px;font-size:22px}.icon{width:54px;height:54px;border:2px solid var(--gold);display:grid;place-items:center;border-radius:50%;color:var(--gold);font-size:24px;margin-bottom:16px}.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.panel{background:#111820;color:#fff;border-radius:18px;padding:34px}.panel p{color:#dfe3e9}.list{padding:0;margin:18px 0 0;list-style:none}.list li{padding:10px 0;border-bottom:1px solid rgba(200,155,60,.24)}.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.review{background:#fff;border-left:4px solid var(--gold);padding:24px;box-shadow:0 8px 24px rgba(0,0,0,.06)}.review strong{display:block;margin-top:14px}.review span{display:block;color:var(--muted);font-size:14px;margin-top:4px}.contactbox{display:grid;grid-template-columns:1fr 1.2fr;gap:28px}.form{background:#fff;border:1px solid var(--line);padding:26px;border-radius:12px}.form label{font-weight:700;font-size:14px}.form input,.form textarea{width:100%;padding:13px;border:1px solid #d7d7d7;border-radius:4px;margin:6px 0 16px;font:inherit}.form button{border:0;cursor:pointer}.footer{background:#0b0f14;color:#d9dde4;padding:38px 0}.footer .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer strong{color:#fff}.small{font-size:13px;color:#9fa7b3}.notice{background:#fff8e6;border:1px solid #f0d28a;padding:16px;border-radius:10px;color:#4d3b11}.result{font-size:18px;padding:22px;border-radius:10px;background:#f7f7f7;border:1px solid #ddd}.mobile-toggle{display:none}@media(max-width:850px){.nav{display:none;flex-direction:column;align-items:flex-start;padding:16px 0}.nav.open{display:flex}.mobile-toggle{display:block;background:#111;color:#fff;border:0;padding:10px 12px;border-radius:4px}.grid,.split,.reviews,.contactbox{grid-template-columns:1fr}.hero{min-height:450px}.logo img{height:54px}.topbar .container{align-items:flex-start}.navrow{align-items:flex-start}.navrow{flex-wrap:wrap}.nav{width:100%}}

.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:34px}.process-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 10px 28px rgba(0,0,0,.05);position:relative}.process-card h3{margin:12px 0 10px;font-size:21px}.process-card p{color:var(--muted);margin:0}.step-number{width:42px;height:42px;border-radius:50%;background:var(--gold);color:#111;display:grid;place-items:center;font-weight:800;font-size:18px}.feature-card .icon{font-size:25px}.process-notice{margin-top:28px}
@media(max-width:1050px){.process-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){.process-grid{grid-template-columns:1fr}}


.review{border-left:0;border-top:4px solid var(--gold);border-radius:14px;min-height:245px}
.review-head{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.avatar{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold2));color:#111;display:grid;place-items:center;font-weight:900;letter-spacing:.05em;box-shadow:0 8px 18px rgba(200,155,60,.24);flex:0 0 52px}
.avatar-photo{width:58px;height:58px;border-radius:50%;display:block;object-fit:cover;flex:0 0 58px;box-shadow:0 10px 20px rgba(0,0,0,.12);border:2px solid rgba(200,155,60,.4);background:#fff}
.topbar a:hover,.footer a:hover{color:var(--gold)}
 .review-head strong{margin:0;font-size:17px}.review-head span{margin-top:2px}.stars{color:var(--gold);letter-spacing:.08em;font-size:16px;margin:4px 0 10px}.review p{margin:0;color:#333}

@media(max-width:1100px){.nav{gap:12px}.nav a{font-size:12px;letter-spacing:.02em}.logo img{height:56px;max-width:240px}.nav .cta{padding:9px 12px}}

/* How It Works icon-only update */
.premium-process .step-number{display:none!important}
.premium-process .process-icon{font-size:42px;line-height:1;margin:0 0 18px;display:block}
.premium-process .process-card h3{margin-top:0}