:root{
    --primary:#2f4d7a; --primary-deep:#1b2b54; --primary-2:#3f74b3;
    --accent:#d99a2b; --accent-ink:#8a6010;
    --ink:#26303f; --ink-soft:#48526a; --muted:#6b7689;
    --line:#e3e8f1; --line-soft:#eef1f7; --bg:#f4f6fa; --surface:#ffffff;
    --radius:16px; --radius-sm:10px; --maxw:1140px;
    --shadow-sm:0 1px 2px rgba(20,30,60,.05),0 2px 10px rgba(20,30,60,.05);
    --shadow-md:0 6px 18px rgba(20,30,60,.08),0 18px 44px rgba(20,30,60,.09);
    --font-head:"Newsreader",Georgia,serif;
    --font-body:Arial,Helvetica,sans-serif;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
  h1,h2,h3,h4{font-family:var(--font-head);font-weight:500;line-height:1.14;color:var(--primary-deep);letter-spacing:-.01em}
  a{color:inherit;text-decoration:none}
  img{max-width:100%;display:block}
  .wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 28px}
  .eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--primary-2)}
  .eyebrow::before{content:"";width:22px;height:2px;background:var(--accent);display:inline-block}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-body);font-weight:700;font-size:15px;padding:15px 26px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s,color .2s;white-space:nowrap}
  .btn-primary{background:var(--accent);color:#3a2a06;box-shadow:0 6px 18px rgba(217,154,43,.35)}
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(217,154,43,.45)}
  .btn-ghost{background:transparent;color:var(--primary);border-color:var(--line)}
  .btn-ghost:hover{background:var(--surface);border-color:var(--primary-2);color:var(--primary-deep)}
  .btn-light{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.3)}
  .btn-light:hover{background:rgba(255,255,255,.2);transform:translateY(-2px)}
  .btn svg{width:17px;height:17px}

  /* Header */
  header{position:sticky;top:0;z-index:60;background:rgba(244,246,250,.85);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
  header.scrolled{border-color:var(--line);box-shadow:var(--shadow-sm)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px}
  .brand{display:flex;align-items:center;gap:13px}
  .brand-logo{width:50px;height:50px;border-radius:50%;background:#fff;object-fit:contain;flex:none;box-shadow:var(--shadow-sm)}
  .brand-text{display:flex;flex-direction:column;line-height:1.12}
  .brand-name{font-family:var(--font-head);font-size:18px;font-weight:600;color:var(--primary-deep);white-space:nowrap}
  .brand-sub{font-size:11.5px;letter-spacing:.04em;color:var(--muted);font-weight:600;white-space:nowrap}
  .nav-links{display:flex;align-items:center;gap:4px}
  .nav-links a{font-size:14.5px;font-weight:600;color:var(--ink-soft);padding:9px 14px;border-radius:8px;transition:color .15s,background .15s}
  .nav-links a:hover{color:var(--primary-deep);background:var(--surface)}
  .nav-links a.active{color:var(--primary-2)}
  .nav-cta{display:flex;align-items:center;gap:10px}
  .menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;color:var(--primary-deep)}
  .mobile-menu{display:none}

  section{padding:clamp(54px,7vw,96px) 0}
  .sec-head{max-width:760px;margin-bottom:46px}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .sec-head h2{font-size:clamp(28px,3.6vw,42px);margin:15px 0 14px}
  .sec-head p{font-size:17px;color:var(--ink-soft)}

  /* Hero */
  .hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff, var(--bg));border-bottom:1px solid var(--line-soft)}
  .hero-deco{position:absolute;border-radius:50%;z-index:0}
  .hero .wrap{position:relative;z-index:1;padding-top:clamp(48px,6vw,80px);padding-bottom:clamp(48px,6vw,80px)}
  .hero h1{font-size:clamp(36px,5vw,58px);max-width:18ch;margin:18px 0 22px}
  .hero p.lead{font-size:clamp(17px,1.5vw,20px);color:var(--ink-soft);max-width:62ch;margin-bottom:30px}
  .chips{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:32px}
  .chip{display:inline-flex;align-items:center;gap:10px;font-size:13.5px;font-weight:700;color:var(--primary-deep);background:var(--surface);border:1px solid var(--line);padding:11px 18px;border-radius:999px;box-shadow:var(--shadow-sm)}
  .chip b{color:var(--primary-2);font-weight:700}
  .chip .reg{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:6px;background:rgba(63,116,179,.12);color:var(--primary-2);font-size:10px;font-weight:800;letter-spacing:.02em}
  .chip span.t{font-weight:600;color:var(--ink-soft)}

  /* Cards */
  .cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;box-shadow:var(--shadow-sm)}
  .card .kicker{display:inline-flex;align-items:center;gap:9px;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--primary-2);margin-bottom:14px}
  .card .kicker .num{width:26px;height:26px;border-radius:7px;background:var(--primary-deep);color:#fff;display:grid;place-items:center;font-family:var(--font-head);font-size:14px}
  .card h3{font-size:20px;margin-bottom:10px}
  .card p{font-size:14.6px;color:var(--ink-soft)}
  .card .badge{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:#3a2a06;background:var(--accent);padding:5px 11px;border-radius:7px;margin-bottom:14px}

  /* Timeline */
  .timeline{position:relative;max-width:860px;margin:0 auto;padding-left:6px}
  .tl-line{position:absolute;left:24px;top:8px;bottom:8px;width:2px;background:linear-gradient(var(--primary-2),var(--line))}
  .tstep{position:relative;display:grid;grid-template-columns:50px 1fr;gap:20px;padding:0 0 26px}
  .tstep:last-child{padding-bottom:0}
  .tnum{width:50px;height:50px;border-radius:50%;background:var(--primary-deep);color:#fff;display:grid;place-items:center;font-family:var(--font-head);font-size:20px;font-weight:600;z-index:1;box-shadow:0 0 0 5px var(--bg)}
  .tbody{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:18px 22px;box-shadow:var(--shadow-sm)}
  .tbody h3{font-size:18px;margin-bottom:4px}
  .tbody p{font-size:14px;color:var(--ink-soft)}
  .tl-note{display:flex;gap:13px;align-items:flex-start;max-width:860px;margin:26px auto 0;background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:0 14px 14px 0;padding:18px 22px}
  .tl-note svg{width:22px;height:22px;color:var(--accent-ink);flex:none;margin-top:1px}
  .tl-note p{font-size:14.5px;color:var(--ink-soft)}

  /* Standards grid */
  .std-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  .std{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:var(--shadow-sm)}
  .std .sn{font-family:var(--font-head);font-size:13px;font-weight:600;color:#fff;background:var(--primary-2);width:30px;height:30px;border-radius:8px;display:grid;place-items:center;margin-bottom:14px}
  .std h3{font-size:17px;margin-bottom:7px}
  .std p{font-size:13.4px;color:var(--ink-soft)}

  /* Fees table */
  .fees-band{background:var(--primary-deep)}
  .fees-band .eyebrow{color:#e7b85a}
  .fees-band .eyebrow::before{background:var(--accent)}
  .fees-band h2{color:#fff}
  .fees-band .sec-head p{color:#c2cde4}
  .fee-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:14px;overflow:hidden;box-shadow:var(--shadow-md)}
  .fee-table th,.fee-table td{text-align:left;padding:16px 22px;font-size:14.5px;border-bottom:1px solid var(--line)}
  .fee-table thead th{background:var(--line-soft);font-family:var(--font-body);font-weight:800;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--primary-deep)}
  .fee-table td:first-child{font-weight:700;color:var(--primary-deep);width:46%}
  .fee-table td:last-child{color:var(--ink-soft)}
  .fee-table tr:last-child td{border-bottom:0}
  .fee-up{color:var(--accent-ink);font-weight:700}
  .fee-callout{display:flex;gap:14px;align-items:flex-start;margin-top:22px;background:rgba(217,154,43,.14);border:1px solid rgba(217,154,43,.4);border-radius:14px;padding:18px 22px}
  .fee-callout svg{width:24px;height:24px;color:#e7b85a;flex:none;margin-top:1px}
  .fee-callout p{font-size:14.8px;color:#eaf0fb}
  .fee-foot{font-size:12.5px;color:#9fb0d4;margin-top:16px}

  /* Two columns */
  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}
  .panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:34px 32px;box-shadow:var(--shadow-sm)}
  .panel.dark{background:var(--primary-deep);border-color:var(--primary-deep)}
  .panel h3{font-size:24px;margin-bottom:20px}
  .panel.dark h3{color:#fff}
  .clist{list-style:none;display:flex;flex-direction:column;gap:14px}
  .clist li{display:flex;gap:12px;font-size:15px;color:var(--ink-soft);line-height:1.5}
  .panel.dark .clist li{color:#d4dcef}
  .clist li .ck{width:23px;height:23px;border-radius:7px;background:rgba(63,116,179,.12);color:var(--primary-2);display:grid;place-items:center;flex:none;margin-top:1px}
  .panel.dark .clist li .ck{background:rgba(217,154,43,.2);color:#e7b85a}
  .clist li .ck svg{width:14px;height:14px}

  /* FAQ */
  .faq{max-width:840px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
  details.qa{background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-sm);overflow:hidden}
  details.qa summary{list-style:none;cursor:pointer;padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;font-weight:700;font-size:16.5px;color:var(--primary-deep)}
  details.qa summary::-webkit-details-marker{display:none}
  details.qa summary .ic{width:30px;height:30px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;flex:none;transition:transform .2s,background .2s,border-color .2s;color:var(--primary-2)}
  details.qa summary .ic svg{width:16px;height:16px}
  details.qa[open] summary .ic{transform:rotate(45deg);background:var(--primary-2);color:#fff;border-color:var(--primary-2)}
  details.qa .ans{padding:0 24px 22px;font-size:15px;color:var(--ink-soft);line-height:1.62}

  /* Compliance */
  .compliance{background:var(--line-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .comp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .comp{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:26px 24px}
  .comp .ci{width:42px;height:42px;border-radius:11px;background:rgba(63,116,179,.1);color:var(--primary-2);display:grid;place-items:center;margin-bottom:16px}
  .comp .ci svg{width:21px;height:21px}
  .comp h3{font-size:17px;margin-bottom:8px}
  .comp p{font-size:14px;color:var(--ink-soft)}

  /* Final CTA */
  .cta-band{background:linear-gradient(135deg,var(--primary-2),var(--primary-deep));color:#fff;border-radius:26px;padding:clamp(40px,5vw,64px);text-align:center;position:relative;overflow:hidden}
  .cta-band h2{color:#fff;font-size:clamp(28px,3.6vw,42px);margin-bottom:15px}
  .cta-band p{color:#eaf0fb;font-size:18px;max-width:54ch;margin:0 auto 30px}
  .cta-deco{position:absolute;width:340px;height:340px;border-radius:50%;background:rgba(255,255,255,.06)}

  /* Footer */
  footer{background:var(--primary-deep);color:#cdd9f0;padding-top:60px}
  .foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;padding-bottom:40px}
  .foot-brand .brand-name{color:#fff}
  .foot-brand .brand-sub{color:#9fb0d4}
  .foot-brand p{font-size:14px;color:#aebbd6;max-width:38ch;margin-top:16px}
  .foot-col h5{font-size:12.5px;text-transform:uppercase;letter-spacing:.1em;color:#8294b8;margin-bottom:16px;font-weight:800}
  .foot-col a,.foot-col p{display:block;font-size:14px;color:#c2cde4;margin-bottom:11px}
  .foot-col a:hover{color:#fff}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0}
  .foot-bottom .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
  .foot-bottom p{font-size:12.5px;color:#8294b8}

  @media(max-width:980px){
    .nav-links,.nav-cta .btn{display:none}
    .menu-btn{display:grid;place-items:center}
    .cards-3,.std-grid,.comp-grid{grid-template-columns:1fr 1fr}
    .two-col{grid-template-columns:1fr}
    .foot-grid{grid-template-columns:1fr 1fr}
    .mobile-menu.open{display:block;position:fixed;inset:76px 0 0;background:var(--bg);z-index:55;padding:24px 28px;border-top:1px solid var(--line)}
    .mobile-menu.open a{display:block;padding:14px 0;font-size:17px;font-weight:600;border-bottom:1px solid var(--line-soft);color:var(--ink)}
    .mobile-menu.open .btn{margin-top:20px;width:100%;justify-content:center}
  }
  @media(max-width:640px){
    .cards-3,.std-grid,.comp-grid,.foot-grid{grid-template-columns:1fr}
    .wrap{padding:0 20px}
    .fee-table th,.fee-table td{padding:13px 14px;font-size:13px}
    .tstep{grid-template-columns:42px 1fr;gap:15px}
    .tnum{width:42px;height:42px;font-size:17px}
    .tl-line{left:20px}
  }