:root{
  --bg:#10131a;
  --bg-alt:#171b24;
  --card:#1c212d;
  --gold:#c9a227;
  --gold-bright:#e6c34a;
  --text:#f2f3f5;
  --muted:#a7adba;
  --radius:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:"Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.6;
}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
a{color:var(--gold-bright)}

/* Header */
.site-header{
  position:sticky;top:0;z-index:10;
  background:rgba(16,19,26,.92);
  backdrop-filter:blur(6px);
  border-bottom:1px solid rgba(201,162,39,.25);
}
.header-inner{display:flex;align-items:center;gap:24px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text)}
.brand-mark{width:36px;height:36px;flex:none}
.brand-name{font-size:1.35rem;font-weight:700;letter-spacing:.2px}
.brand-name em{font-style:normal;color:var(--gold)}
.main-nav{display:flex;gap:20px;margin-left:auto}
.main-nav a{color:var(--muted);text-decoration:none;font-size:.98rem}
.main-nav a:hover{color:var(--text)}

/* Buttons */
.btn{
  display:inline-block;text-decoration:none;font-weight:600;
  padding:13px 26px;border-radius:999px;font-size:1rem;
  transition:transform .15s ease, background .15s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#10131a}
.btn-gold:hover{background:var(--gold-bright)}
.btn-ghost{border:1px solid var(--muted);color:var(--text)}
.btn-ghost:hover{border-color:var(--text)}
.btn-small{padding:9px 18px;font-size:.92rem;margin-left:8px}
.btn-large{font-size:1.12rem;padding:16px 34px}

/* Hero */
.hero{
  padding:84px 0 70px;text-align:center;
  background:radial-gradient(ellipse at top, #232a3a 0%, var(--bg) 62%);
}
.eyebrow{
  color:var(--gold);text-transform:uppercase;letter-spacing:2.5px;
  font-size:.8rem;font-weight:700;margin-bottom:16px;
}
.hero h1{font-size:2.7rem;line-height:1.18;margin-bottom:20px}
.hero-sub{max-width:680px;margin:0 auto 32px;color:var(--muted);font-size:1.13rem}
.hero-ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:34px}
.hero-points{list-style:none;display:flex;gap:26px;justify-content:center;flex-wrap:wrap;color:var(--muted);font-size:.95rem}
.hero-points li::before{content:"✓ ";color:var(--gold);font-weight:700}

/* Sections */
.section{padding:70px 0}
.section-alt{background:var(--bg-alt)}
.section h2{font-size:2rem;text-align:center;margin-bottom:12px}
.section-sub{text-align:center;color:var(--muted);max-width:640px;margin:0 auto 40px}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{
  background:var(--card);border:1px solid rgba(255,255,255,.06);
  border-radius:var(--radius);padding:30px 26px;
}
.card-icon{font-size:2rem;margin-bottom:14px}
.card h3{font-size:1.18rem;margin-bottom:10px}
.card p{color:var(--muted);font-size:.98rem}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{text-align:center;padding:10px 16px}
.step-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:52px;height:52px;border-radius:50%;
  background:var(--gold);color:#10131a;font-weight:800;font-size:1.3rem;
  margin-bottom:16px;
}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.98rem}

.branch-list{
  list-style:none;display:flex;gap:12px;justify-content:center;flex-wrap:wrap;
}
.branch-list li{
  border:1px solid rgba(201,162,39,.45);color:var(--text);
  padding:9px 20px;border-radius:999px;font-size:.97rem;
  background:rgba(201,162,39,.07);
}

.section-cta{text-align:center;background:var(--bg-alt)}
.section-cta .section-sub{margin-bottom:30px}

/* Footer */
.site-footer{border-top:1px solid rgba(255,255,255,.08);padding:26px 0}
.footer-inner{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.footer-note{color:var(--muted);font-size:.9rem;margin-left:auto}

@media (max-width:820px){
  .cards,.steps{grid-template-columns:1fr}
  .main-nav{display:none}
  .hero h1{font-size:2rem}
  .hero{padding:56px 0 48px}
  .section{padding:50px 0}
  .footer-note{margin-left:0}
}