:root{--ink:#151515;--muted:#65625c;--paper:#f6f3ec;--card:#fff;--gold:#b69a5d;--line:#ddd7ca;--dark:#11110f}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.62}
a{color:inherit}.wrap{width:min(1120px,calc(100% - 36px));margin:auto}
.site-head{background:var(--dark);color:#fff;border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:10}
.head-row{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-weight:900;letter-spacing:.03em;text-decoration:none}.brand small{display:block;color:#d8c89f;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;margin-top:2px}
.nav{display:flex;gap:18px;flex-wrap:wrap;font-size:.9rem}.nav a{text-decoration:none;color:#f6f3ec}.nav a:hover{text-decoration:underline}
.hero{background:linear-gradient(135deg,#11110f,#25231f);color:#fff;padding:68px 0 54px}.kicker{color:#d8c89f;text-transform:uppercase;letter-spacing:.13em;font-weight:800;font-size:.75rem}.hero h1{font-size:clamp(2.15rem,5vw,4.5rem);line-height:1.04;margin:.35rem 0 1rem;max-width:950px}.hero p{font-size:1.15rem;color:#e8e4dc;max-width:820px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:999px;text-decoration:none;font-weight:800;border:1px solid var(--gold);background:var(--gold);color:#111}.btn.alt{background:transparent;color:#fff}
main{padding:46px 0 90px}.grid{display:grid;grid-template-columns:repeat(12,1fr);gap:22px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 9px 30px rgba(0,0,0,.04)}
.summary{grid-column:span 12;background:var(--paper)}.summary strong{font-size:1.1rem}.factors .card{grid-column:span 4}.factor-num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#ece3cf;font-weight:900;margin-bottom:8px}
section{margin:50px 0}h2{font-size:clamp(1.6rem,3vw,2.4rem);line-height:1.16;margin:0 0 16px}h3{font-size:1.18rem;margin:0 0 8px}p{margin:.6rem 0 1rem}.muted{color:var(--muted)}
.two{display:grid;grid-template-columns:1.25fr .75fr;gap:24px}.checklist{margin:0;padding-left:1.2rem}.checklist li{margin:.45rem 0}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.related a{display:block;border:1px solid var(--line);border-radius:15px;padding:18px;text-decoration:none;background:#fff}.related a:hover{border-color:var(--gold);transform:translateY(-1px)}
.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}summary{font-weight:850;cursor:pointer}
.cta{background:#171614;color:#fff;border-radius:24px;padding:34px}.cta p{color:#ddd6c9;max-width:760px}.cta .btn{margin-right:8px}
.breadcrumbs{font-size:.85rem;margin:0 0 22px;color:var(--muted)}.breadcrumbs a{color:var(--muted)}
.sourcebox{background:#f9f8f4;border-left:4px solid var(--gold);padding:16px 18px;margin-top:24px}
footer{background:#11110f;color:#ddd6c9;padding:38px 0 88px}.foot{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.foot a{color:#fff}
.mobile-cta{display:none}
@media(max-width:820px){.nav{display:none}.hero{padding:46px 0 38px}.factors .card{grid-column:span 12}.two{grid-template-columns:1fr}.related{grid-template-columns:1fr}.mobile-cta{display:flex;position:fixed;z-index:20;left:0;right:0;bottom:0;background:#111;padding:8px;gap:8px}.mobile-cta a{flex:1;text-align:center;text-decoration:none;padding:12px;border-radius:12px;font-weight:850}.mobile-cta .mail{background:var(--gold);color:#111}.mobile-cta .call{background:#fff;color:#111}}