:root{
  --text:#0a0c0f;
  --muted:#2a2e33;
  --gold:#9E782B;
  --gold-strong:#87621F;
  --line:#B9C1CA;
  --paper:#ffffff;
  --gray:#f2f4f7;
}
*{box-sizing:border-box}
html,body{height:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:system-ui,-apple-system,Segoe UI,Roboto,Inter,Arial,sans-serif;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-strong);text-decoration:none}
.container{max-width:1120px;margin-inline:auto;padding:24px}
.header{text-align:center;border-bottom:1px solid var(--line);padding:22px 0 12px}
.logo{width:143px;height:auto;margin:10px auto 16px auto}
.eyebrow{letter-spacing:.18em;font-variant:small-caps;color:var(--muted)}
.brand{margin:6px 0 6px;font-weight:800;letter-spacing:.02em}
.sub{margin:0 0 12px;color:var(--muted)}
/* chips */
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin:12px 0 6px}
.chip{padding:10px 16px;border:1px solid var(--gold-strong);border-radius:999px;font-weight:700;color:var(--gold-strong);background:var(--paper);transition:all .15s ease}
.chip:hover{background:rgba(158,120,43,.1)}
/* sections */
.section{padding:46px 0}
.section.gray{background:var(--gray);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section h2{margin:0 0 16px;color:#060709;font-size:22px}
/* cards grid */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:18px}
.card{background:var(--paper);border:1px solid #b4bcc6;border-radius:10px;padding:20px;box-shadow:0 1px 2px rgba(16,24,40,.09);transition:transform .16s ease, box-shadow .16s ease}
.card:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(16,24,40,.18)}
.card h3{margin:0 0 8px;color:#090b0d;font-size:18px}
.card p{margin:0;color:#161a1f}
/* advantages */
.adv-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:14px;margin:0;padding:0;list-style:none}
.adv-list li{background:var(--paper);border:1px solid #b4bcc6;border-radius:10px;padding:16px 18px;color:#101418}
/* legal */
.legal dl{display:grid;grid-template-columns:220px 1fr;gap:12px 20px;margin:0}
.legal dt{font-weight:800;color:#0b0d10}
.legal dd{margin:0;color:#14171b}
/* footer */
.footer{border-top:1px solid var(--line);text-align:center;color:#2d333a;padding:24px 0 34px}
/* responsive tweaks */
@media(min-width:1200px){.logo{width:156px}}