:root{
  --navy:#1B2A5B;
  --navy-deep:#14213D;
  --orange:#E8791E;
  --orange-soft:#F4A24C;
  --bg:#F7F9FC;
  --surface:#FFFFFF;
  --ink:#1E2430;
  --muted:#5A6472;
  --line:#E3E8F0;
  --shadow:0 18px 44px -20px rgba(20,33,61,.35);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html,body{max-width:100%;overflow-x:hidden}
body{
  font-family:'Inter',system-ui,sans-serif;
  background:var(--bg);
  color:var(--ink);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
h1,h2,h3{font-family:'Montserrat',sans-serif;line-height:1.1;color:var(--navy)}
.accent{color:var(--orange)}

.container{width:100%;max-width:1200px;margin:0 auto;padding:0 24px}

/* ---- Buttons ---- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-weight:700;
  border-radius:8px;padding:14px 26px;cursor:pointer;border:none;
  transition:transform .18s ease,box-shadow .18s ease,background .18s ease;
  letter-spacing:.01em;
}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 10px 24px -12px rgba(232,121,30,.9)}
.btn-primary:hover{background:var(--orange-soft);transform:translateY(-2px)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-deep);transform:translateY(-2px)}
.btn-lg{padding:17px 34px;font-size:1.02rem}

/* ---- Promo bar ---- */
.promo-bar{background:var(--navy-deep);color:#cdd4e6;text-align:center;font-size:.8rem;padding:8px 16px;letter-spacing:.04em}

/* ---- Header ---- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:box-shadow .25s ease}
.site-header.scrolled{box-shadow:0 6px 20px -12px rgba(20,33,61,.35)}
.header-inner{display:flex;align-items:center;gap:24px;height:74px}
.logo-img{height:36px;width:auto}
.logo-link{flex-shrink:0}

.primary-nav{margin-left:auto}
.nav-list{display:flex;align-items:center;gap:6px}
.nav-link{
  display:inline-flex;align-items:center;gap:4px;
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:.94rem;
  color:var(--navy);padding:10px 12px;border-radius:6px;background:none;border:none;cursor:pointer;
}
.nav-link:hover,.nav-link:focus-visible{color:var(--orange)}
.nav-link.active{color:var(--orange);position:relative}
.nav-link.active::after{content:"";position:absolute;left:12px;right:12px;bottom:2px;height:2px;background:var(--orange);border-radius:2px}
.caret{font-size:.7rem}

.has-dropdown{position:relative}
.dropdown{
  position:absolute;top:calc(100% + 6px);left:0;min-width:230px;
  background:#fff;border:1px solid var(--line);border-radius:10px;
  box-shadow:var(--shadow);padding:8px;
  opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s ease;
}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown li a{display:block;padding:10px 12px;border-radius:6px;font-size:.9rem;font-weight:500;color:var(--ink)}
.dropdown li a:hover{background:var(--bg);color:var(--orange)}

.header-cta{flex-shrink:0}

.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;margin-left:auto}
.hamburger span{width:26px;height:3px;background:var(--navy);border-radius:2px;transition:.25s}

/* ---- Mobile menu ---- */
.mobile-menu{
  position:fixed;inset:0;z-index:200;background:#fff;
  transform:translateX(100%);transition:transform .3s ease;
  display:flex;flex-direction:column;padding:20px 24px 40px;overflow-y:auto;
}
.mobile-menu.open{transform:translateX(0)}
.mobile-menu-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.logo-img-mobile{height:30px}
.mobile-close{background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--navy)}
.mobile-nav-list{display:flex;flex-direction:column;gap:2px}
.mobile-nav-list a,.m-group-toggle{
  display:flex;align-items:center;justify-content:space-between;width:100%;
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:1.1rem;color:var(--navy);
  padding:14px 4px;background:none;border:none;cursor:pointer;text-align:left;
  border-bottom:1px solid var(--line);
}
.m-sub{max-height:0;overflow:hidden;transition:max-height .3s ease}
.m-sub.open{max-height:320px}
.m-sub a{font-size:.98rem;font-weight:500;color:var(--muted);padding-left:16px}
.mobile-cta{margin-top:24px;width:100%}

/* ---- Hero ---- */
.hero{position:relative;min-height:640px;display:flex;align-items:center;overflow:hidden}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 72%}
.hero-scrim{position:absolute;inset:0;background:
  linear-gradient(120deg,rgba(20,33,61,.94) 0%,rgba(20,33,61,.82) 40%,rgba(27,42,91,.55) 100%);
}
.hero-inner{position:relative;z-index:2;padding-top:80px;padding-bottom:80px;max-width:880px}
.hero-eyebrow{
  display:inline-block;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.78rem;
  letter-spacing:.22em;text-transform:uppercase;color:var(--orange-soft);margin-bottom:20px;
}
.hero-title{color:#fff;font-weight:900;font-size:clamp(2.4rem,6vw,4.5rem);letter-spacing:-.02em;margin-bottom:22px}
.hero-sub{color:#dbe1ee;font-size:1.08rem;max-width:66ch;margin-bottom:34px}
.hero-actions{display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.hero-reassure{color:#aeb8cf;font-size:.92rem;font-style:italic}

/* ---- Section base ---- */
.section{padding:90px 0}
.section-head{margin-bottom:48px}
.section-head.center{text-align:center;max-width:820px;margin-left:auto;margin-right:auto}
.section-title{font-weight:800;font-size:clamp(1.7rem,4vw,2.6rem);letter-spacing:-.015em}
.section-title.light{color:#fff}
.index-label{
  display:inline-block;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.74rem;
  letter-spacing:.2em;text-transform:uppercase;color:var(--orange);margin-bottom:14px;
}
.index-label.light{color:var(--orange-soft)}

/* ---- Familiar ---- */
.familiar{background:var(--surface)}
.familiar-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:52px}
.pain-card{
  position:relative;background:var(--bg);border:1px solid var(--line);border-radius:14px;
  padding:34px 28px 30px;transition:transform .2s ease,box-shadow .2s ease;min-width:0;
}
.pain-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.pain-index{
  display:inline-flex;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.05rem;
  color:var(--orange);text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px;
}
.pain-card h3{font-size:1.18rem;font-weight:800;margin-bottom:12px;line-height:1.25}
.pain-card p{color:var(--muted);font-size:.98rem}
.pull-quote{
  border-left:4px solid var(--orange);padding:22px 28px;background:var(--bg);border-radius:0 12px 12px 0;
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:clamp(1.1rem,2.4vw,1.55rem);
  color:var(--navy);line-height:1.35;max-width:960px;
}

/* ---- System ---- */
.system{background:var(--bg)}
.system-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:60px;align-items:start}
.system-body{color:var(--muted);margin:20px 0 14px;font-size:1.04rem;max-width:52ch}
.system-stamp{color:var(--navy);margin-bottom:24px}
.text-link{
  font-family:'Montserrat',sans-serif;font-weight:700;color:var(--orange);
  border-bottom:2px solid var(--orange);padding-bottom:2px;transition:.18s;
}
.text-link:hover{color:var(--navy);border-color:var(--navy)}

.phase-rail{position:relative;display:flex;flex-direction:column;gap:0}
.phase-rail::before{content:"";position:absolute;left:27px;top:34px;bottom:34px;width:2px;background:linear-gradient(var(--orange),var(--orange-soft));opacity:.35}
.phase-step{
  display:flex;gap:22px;align-items:flex-start;position:relative;
  background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:22px 24px;margin-bottom:14px;transition:transform .2s ease,box-shadow .2s ease;min-width:0;
}
.phase-step:hover{transform:translateX(6px);box-shadow:var(--shadow)}
.phase-num{
  flex-shrink:0;width:56px;height:56px;border-radius:12px;
  background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.25rem;
  display:flex;align-items:center;justify-content:center;position:relative;z-index:2;
  box-shadow:0 8px 18px -8px rgba(27,42,91,.6);
}
.phase-step:nth-child(1) .phase-num,
.phase-step:nth-child(5) .phase-num{background:var(--orange)}
.phase-body h3{font-size:1.12rem;font-weight:800;margin-bottom:4px}
.phase-body p{color:var(--muted);font-size:.94rem}

/* ---- Laws ---- */
.laws{position:relative;overflow:hidden;background:var(--navy-deep)}
.laws-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;opacity:.9}
.laws-scrim{position:absolute;inset:0;background:linear-gradient(180deg,rgba(20,33,61,.9),rgba(27,42,91,.92))}
.laws-inner{position:relative;z-index:2}
.laws-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.law-card{
  position:relative;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);
  border-radius:16px;padding:36px 28px 30px;backdrop-filter:blur(4px);min-width:0;
  transition:transform .2s ease,background .2s ease;
}
.law-card:hover{transform:translateY(-5px);background:rgba(255,255,255,.09)}
.law-num{
  display:block;font-family:'Montserrat',sans-serif;font-weight:900;font-size:3rem;
  color:var(--orange);line-height:1;margin-bottom:14px;opacity:.95;
}
.law-card h3{color:#fff;font-size:1.16rem;font-weight:800;margin-bottom:12px;line-height:1.25}
.law-card p{color:#c7cfe2;font-size:.96rem}

/* ---- Compounding ---- */
.compounding{position:relative;background:var(--navy);overflow:hidden}
.ghost-circle{position:absolute;border:2px solid rgba(255,255,255,.05);border-radius:50%;pointer-events:none}
.ghost-a{width:520px;height:520px;top:-120px;right:-160px;border-color:rgba(232,121,30,.12)}
.ghost-b{width:400px;height:400px;bottom:-140px;left:-120px}
.compounding-inner{position:relative;z-index:2}
.compounding-head{max-width:920px;margin-bottom:44px}
.rule{display:block;width:70px;height:3px;background:var(--orange);border-radius:2px;margin:20px 0 24px}
.compounding-body{color:#c7cfe2;font-size:1.02rem;max-width:80ch}

.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:48px}
.compare-card{border-radius:16px;padding:32px 30px;min-width:0}
.compare-card.without{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1)}
.compare-card.with{background:rgba(232,121,30,.08);border:1px solid rgba(232,121,30,.3)}
.compare-label{
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:.82rem;letter-spacing:.14em;
  text-transform:uppercase;margin-bottom:20px;
}
.compare-card.without .compare-label{color:#9aa4bd}
.compare-card.with .compare-label{color:var(--orange-soft)}
.compare-card ul li{display:flex;gap:12px;padding:13px 0;color:#dbe1ee;font-size:.98rem;border-bottom:1px solid rgba(255,255,255,.08)}
.compare-card ul li:last-child{border-bottom:none}
.mark{flex-shrink:0;font-weight:700}
.mark.x{color:#8892ab}
.mark.arrow{color:var(--orange)}

.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;border:1px solid rgba(255,255,255,.12);border-radius:16px;overflow:hidden;margin-bottom:44px}
.stat{padding:34px 22px;text-align:center;background:rgba(255,255,255,.03)}
.stat-num{display:block;font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(2.2rem,5vw,3rem);color:var(--orange);line-height:1}
.stat-label{display:block;color:#c7cfe2;font-size:.92rem;margin-top:8px}
.compounding-close{
  text-align:center;font-family:'Montserrat',sans-serif;font-weight:700;
  font-size:clamp(1.1rem,2.6vw,1.5rem);color:#fff;max-width:860px;margin:0 auto;line-height:1.4;
}

/* ---- Final CTA ---- */
.final-cta{background:linear-gradient(135deg,var(--orange) 0%,var(--orange-soft) 100%);text-align:center}
.final-inner{max-width:720px;margin:0 auto}
.final-cta h2{color:#fff;font-weight:900;font-size:clamp(1.7rem,4vw,2.5rem);margin-bottom:18px}
.final-cta p{color:rgba(255,255,255,.96);font-size:1.06rem;margin-bottom:32px}

/* ---- Footer ---- */
.site-footer{background:var(--navy-deep);color:#c7cfe2;padding:56px 0 40px;text-align:center}
.footer-logo-chip{display:inline-block;background:#fff;padding:14px 22px;border-radius:12px;margin-bottom:28px;box-shadow:0 10px 30px -16px rgba(0,0,0,.5)}
.footer-logo{height:38px;width:auto}
.footer-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 22px;margin-bottom:28px}
.footer-nav a{font-family:'Montserrat',sans-serif;font-weight:600;font-size:.94rem;color:#dbe1ee}
.footer-nav a:hover{color:var(--orange-soft)}
.footer-legal{font-size:.86rem;color:#8892ab}

/* ---- Reveal ---- */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}

/* ---- Focus ---- */
a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid var(--orange-soft);outline-offset:2px;border-radius:6px}

/* ---- Responsive ---- */
@media(max-width:1000px){
  .primary-nav,.header-cta{display:none}
  .hamburger{display:flex}
  .system-grid{grid-template-columns:1fr;gap:40px}
}
@media(max-width:820px){
  .familiar-grid,.laws-grid{grid-template-columns:1fr}
  .compare-grid{grid-template-columns:1fr}
  .section{padding:64px 0}
  .hero{min-height:560px}
  .hero-inner{padding-top:56px;padding-bottom:64px}
}
@media(max-width:560px){
  .stat-row{grid-template-columns:1fr}
  .hero-actions .btn-lg{width:100%}
  .container{padding:0 18px}
  .pull-quote{padding:18px 20px}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
}