@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Lato:wght@300;400;700&display=swap');

:root {
  --bg: #0d1b2a;
  --surface: #132338;
  --surface-light: #1a2f48;
  --text: #f0ede8;
  --text-muted: #94afc8;
  --accent: #b8c9d9;
  --accent-bright: #d4e3f0;
  --accent-dim: rgba(184,201,217,0.22);
  --accent-glow: rgba(184,201,217,0.10);
  --green-wa: #25D366;
  --green-wa-dark: #1ebe59;
  --gold: #D4A574;
  --gold-dark: #b8855a;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Lato', sans-serif;
  --transition: all 0.3s ease;
  --shadow: 0 8px 32px rgba(0,0,0,0.4);
  --radius: 12px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { background: var(--bg); color: var(--text); font-family: var(--font-body); line-height: 1.7; overflow-x: hidden; }
h1,h2,h3,h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.25; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.lbl { font-size: 0.74rem; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; font-family: var(--font-body); }
.sec-title { font-size: clamp(2rem, 4vw, 2.9rem); margin-bottom: 14px; }
.silver { color: var(--accent-bright); }
.gold { color: var(--gold); }
.sline { width: 56px; height: 3px; background: linear-gradient(90deg, var(--accent), var(--accent-bright)); border-radius: 2px; margin: 14px 0 28px; }
.sline.c { margin-left: auto; margin-right: auto; }
.text-center { text-align: center; }

/* BUTTONS */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 13px 28px; border-radius: 50px; font-family: var(--font-body); font-weight: 700; font-size: 0.93rem; cursor: pointer; transition: var(--transition); border: none; text-decoration: none; white-space: nowrap; }
.btn-primary { background: linear-gradient(135deg, var(--gold), #e8b98a); color: var(--bg); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(212,165,116,0.4); filter: brightness(1.08); }
.btn-silver { background: linear-gradient(135deg, var(--accent), var(--accent-bright)); color: var(--bg); }
.btn-silver:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(184,201,217,0.3); filter: brightness(1.08); }
.btn-outline { background: transparent; color: var(--accent-bright); border: 2px solid var(--accent); }
.btn-outline:hover { background: var(--accent-glow); border-color: var(--accent-bright); transform: translateY(-2px); }
.btn-wa { background: var(--green-wa); color: #fff; }
.btn-wa:hover { background: var(--green-wa-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(37,211,102,0.35); }
.btn-wa svg { width: 19px; height: 19px; fill: #fff; flex-shrink: 0; }
.btn-large { padding: 16px 36px; font-size: 1rem; }

/* NAVBAR */
nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; transition: var(--transition); background: rgba(13,27,42,0.7); backdrop-filter: blur(10px); }
nav.scrolled { background: rgba(13,27,42,0.98); box-shadow: 0 2px 24px rgba(0,0,0,0.5); border-bottom: 1px solid var(--accent-dim); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 80px; gap: 16px; }
.nav-logo img { height: 64px; width: auto; object-fit: contain; }
.nav-logo-fb { display: none; flex-direction: column; }
.nav-logo-fb b { font-family: var(--font-display); font-size: 1.4rem; color: var(--accent-bright); line-height: 1; }
.nav-logo-fb small { font-size: 0.58rem; letter-spacing: 2px; color: var(--text-muted); text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { font-size: 0.87rem; font-weight: 700; color: var(--text-muted); transition: var(--transition); }
.nav-links a:hover, .nav-links a.active { color: var(--accent-bright); }
.nav-cta { display: flex; align-items: center; gap: 10px; }
.hbg { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; flex-shrink: 0; }
.hbg span { display: block; width: 25px; height: 2px; background: var(--text); border-radius: 2px; transition: var(--transition); }
.mob-menu { display: none; position: fixed; inset: 0; background: var(--bg); z-index: 999; flex-direction: column; align-items: center; justify-content: center; gap: 24px; padding: 40px 24px; }
.mob-menu.open { display: flex; }
.mob-menu .mm-item { font-family: var(--font-display); font-size: 1.65rem; color: var(--text); transition: var(--transition); }
.mob-menu .mm-item:hover { color: var(--accent-bright); }
.mob-close { position: absolute; top: 22px; right: 22px; font-size: 1.9rem; cursor: pointer; color: var(--text-muted); }
.mob-logo img { height: 56px; width: auto; margin-bottom: 8px; }

/* SCROLL ANIMATIONS */
.fu { opacity: 0; transform: translateY(26px); transition: opacity 0.65s ease, transform 0.65s ease; }
.fu.on { opacity: 1; transform: translateY(0); }
.fu:nth-child(2){transition-delay:.1s} .fu:nth-child(3){transition-delay:.2s} .fu:nth-child(4){transition-delay:.3s}
@media (prefers-reduced-motion: reduce) { .fu { opacity: 1; transform: none; transition: none; } }

/* PAGE HERO */
.page-hero { padding: 148px 0 80px; background: linear-gradient(148deg, #060d14 0%, #0d1b2a 50%, #132338 100%); position: relative; overflow: hidden; }
.page-hero-pat { position: absolute; inset: 0; opacity: 0.025; background-image: repeating-linear-gradient(0deg,transparent,transparent 50px,var(--accent) 50px,var(--accent) 51px),repeating-linear-gradient(90deg,transparent,transparent 50px,var(--accent) 50px,var(--accent) 51px); }
.page-hero-content { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; color: var(--text-muted); margin-bottom: 18px; }
.breadcrumb a { color: var(--accent-bright); }

/* HERO (homepage) */
.hero { min-height: 100vh; display: flex; align-items: center; position: relative; overflow: hidden; padding: 130px 0 90px; }
.hero-bg { position: absolute; inset: 0; background: linear-gradient(148deg, #060d14 0%, #0d1b2a 45%, #132338 100%); }
.hero-grid-pat { position: absolute; inset: 0; opacity: 0.025; background-image: repeating-linear-gradient(0deg,transparent,transparent 50px,var(--accent) 50px,var(--accent) 51px),repeating-linear-gradient(90deg,transparent,transparent 50px,var(--accent) 50px,var(--accent) 51px); }
.hero-glow { position: absolute; top: 15%; right: 0; width: 700px; height: 700px; background: radial-gradient(circle, rgba(212,165,116,0.06) 0%, transparent 65%); pointer-events: none; }
.hero-content { position: relative; z-index: 1; max-width: 780px; }
.hero-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(212,165,116,0.1); border: 1px solid rgba(212,165,116,0.25); color: var(--gold); padding: 8px 20px; border-radius: 50px; font-size: 0.74rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 26px; }
.badge-dot { width: 7px; height: 7px; background: var(--gold); border-radius: 50%; animation: pulse 2.2s infinite; flex-shrink: 0; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)}50%{opacity:.35;transform:scale(.8)} }
.hero h1 { font-size: clamp(2.7rem, 5.5vw, 4.6rem); color: var(--text); margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-lead { font-size: 1.12rem; color: var(--text-muted); margin-bottom: 38px; max-width: 600px; line-height: 1.87; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 60px; }
.hero-stats { display: flex; flex-wrap: wrap; gap: 40px; padding-top: 28px; border-top: 1px solid var(--accent-dim); }
.hero-stat strong { display: block; font-family: var(--font-display); font-size: 2rem; color: var(--gold); line-height: 1; }
.hero-stat span { font-size: 0.8rem; color: var(--text-muted); margin-top: 4px; display: block; }

/* TRUST BAR */
.trust { background: var(--surface); border-top: 1px solid var(--accent-dim); border-bottom: 1px solid var(--accent-dim); padding: 22px 0; }
.trust-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 28px; }
.ti { display: flex; align-items: center; gap: 10px; }
.ti-ic { width: 34px; height: 34px; border-radius: 50%; background: var(--accent-glow); border: 1px solid var(--accent-dim); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.ti-ic svg { width: 16px; height: 16px; stroke: var(--accent-bright); fill: none; stroke-width: 2; }
.ti strong { display: block; font-size: 0.84rem; font-weight: 700; color: var(--text); }
.ti span { font-size: 0.72rem; color: var(--text-muted); }
.tdiv { width: 1px; height: 28px; background: var(--accent-dim); }

/* SECTIONS */
section { padding: 92px 0; }

/* FEATURE CARDS */
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px,1fr)); gap: 22px; margin-top: 48px; }
.feature-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: var(--radius); padding: 30px 26px; transition: var(--transition); position: relative; overflow: hidden; }
.feature-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold), #e8b98a); transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease; }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(212,165,116,0.3); }
.feature-card:hover::before { transform: scaleX(1); }
.feature-card .fc-icon { width: 48px; height: 48px; border-radius: 10px; background: rgba(212,165,116,0.1); border: 1px solid rgba(212,165,116,0.2); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.feature-card .fc-icon svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.8; }
.feature-card h3 { font-size: 1.1rem; margin-bottom: 9px; }
.feature-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.75; }

/* PLANS */
.plans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px,1fr)); gap: 24px; margin-top: 48px; }
.plan-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 16px; padding: 36px 30px; display: flex; flex-direction: column; gap: 16px; transition: var(--transition); position: relative; overflow: hidden; }
.plan-card.featured { background: linear-gradient(145deg, #1a2f48, #132338); border-color: rgba(212,165,116,0.45); }
.plan-card.featured::before { content: 'MOST POPULAR'; position: absolute; top: 18px; right: -28px; background: var(--gold); color: var(--bg); font-size: 0.65rem; font-weight: 700; letter-spacing: 1.5px; padding: 4px 36px; transform: rotate(45deg); }
.plan-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.plan-card h3 { font-size: 1.3rem; }
.plan-card .plan-price { font-family: var(--font-display); font-size: 2.2rem; color: var(--gold); line-height: 1; }
.plan-card .plan-price small { font-size: 0.85rem; font-family: var(--font-body); color: var(--text-muted); }
.plan-card .plan-desc { font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; }
.plan-features { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.plan-features li { font-size: 0.86rem; color: var(--text-muted); display: flex; align-items: flex-start; gap: 9px; line-height: 1.5; }
.plan-features li::before { content: '✓'; color: var(--gold); font-size: 0.8rem; flex-shrink: 0; margin-top: 2px; font-weight: 700; }
.plan-card .plan-cta { margin-top: auto; }

/* PRICING TABLES */
.pricing-section { background: var(--surface); }
.pricing-tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.ptab { background: transparent; border: 1px solid var(--accent-dim); color: var(--text-muted); padding: 9px 20px; border-radius: 50px; font-family: var(--font-body); font-size: 0.85rem; font-weight: 700; cursor: pointer; transition: var(--transition); }
.ptab.active, .ptab:hover { background: var(--gold); color: var(--bg); border-color: var(--gold); }
.ptable-wrap { display: none; }
.ptable-wrap.active { display: block; }
table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
table thead { background: var(--bg); }
table thead th { padding: 14px 16px; text-align: center; font-size: 0.74rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--accent-bright); border-bottom: 2px solid var(--accent-dim); }
table thead th:first-child { text-align: left; }
table tbody td { padding: 13px 16px; text-align: center; border-bottom: 1px solid rgba(255,255,255,0.04); color: var(--text-muted); }
table tbody td:first-child { text-align: left; font-weight: 700; color: var(--text); }
table tbody tr:hover { background: rgba(184,201,217,0.04); }
table tbody tr:last-child td { border-bottom: none; }
.price-val { color: var(--gold); font-weight: 700; font-family: var(--font-display); }

/* FORM */
.form-wrap { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 16px; padding: 40px; max-width: 820px; margin: 0 auto; }
.form-section-title { font-size: 0.78rem; letter-spacing: 2.5px; text-transform: uppercase; color: var(--accent); margin-bottom: 18px; padding-bottom: 10px; border-bottom: 1px solid var(--accent-dim); font-family: var(--font-body); font-weight: 700; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; margin-bottom: 6px; font-size: 0.88rem; font-weight: 700; color: var(--text); }
.form-group label .req { color: #e74c3c; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 11px 14px; background: var(--bg); border: 1px solid var(--accent-dim); border-radius: 8px; font-size: 0.9rem; font-family: var(--font-body); color: var(--text); transition: var(--transition); }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-glow); }
.form-group select option { background: var(--surface); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.policy-btns { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 28px; }
.policy-btn { padding: 18px 12px; border: 1px solid var(--accent-dim); background: var(--bg); color: var(--text-muted); cursor: pointer; border-radius: 10px; text-align: center; font-weight: 700; font-size: 0.85rem; transition: var(--transition); font-family: var(--font-body); }
.policy-btn:hover { border-color: var(--gold); color: var(--gold); }
.policy-btn.selected { background: rgba(212,165,116,0.12); color: var(--gold); border-color: var(--gold); }
.policy-btn small { display: block; font-weight: 400; font-size: 0.72rem; color: var(--text-muted); margin-top: 4px; }
.member-card { background: var(--bg); border: 1px solid var(--accent-dim); border-radius: 10px; padding: 20px; margin-bottom: 16px; position: relative; }
.member-card h4 { font-size: 0.9rem; color: var(--accent-bright); margin-bottom: 14px; }
.remove-btn { position: absolute; top: 12px; right: 12px; background: rgba(231,76,60,0.15); color: #e74c3c; border: 1px solid rgba(231,76,60,0.3); padding: 5px 10px; border-radius: 6px; cursor: pointer; font-size: 0.75rem; font-family: var(--font-body); transition: var(--transition); }
.remove-btn:hover { background: rgba(231,76,60,0.25); }
.add-btn { width: 100%; padding: 12px; background: var(--accent-glow); border: 1px dashed var(--accent-dim); color: var(--accent-bright); border-radius: 8px; cursor: pointer; font-weight: 700; font-size: 0.86rem; transition: var(--transition); font-family: var(--font-body); margin-top: 8px; }
.add-btn:hover { background: rgba(184,201,217,0.15); border-color: var(--accent); }
.hidden { display: none !important; }
.success-msg { background: rgba(37,211,102,0.1); border: 1px solid rgba(37,211,102,0.3); color: #25D366; padding: 16px 20px; border-radius: 10px; display: none; margin-top: 20px; font-weight: 700; }
.success-msg.show { display: block; }
.error-text { color: #e74c3c; font-size: 0.78rem; margin-top: 4px; display: none; }
.error-text.show { display: block; }

/* TESTIMONIALS */
.test-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(290px,1fr)); gap: 22px; margin-top: 48px; }
.test-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 14px; padding: 30px 26px; display: flex; flex-direction: column; gap: 14px; transition: var(--transition); }
.test-card:hover { border-color: rgba(212,165,116,0.3); transform: translateY(-3px); }
.test-stars { color: var(--gold); font-size: 0.9rem; letter-spacing: 2px; }
.test-txt { font-size: 0.93rem; color: var(--text-muted); line-height: 1.8; font-style: italic; flex: 1; }
.test-av { width: 42px; height: 42px; border-radius: 50%; background: rgba(212,165,116,0.15); border: 2px solid rgba(212,165,116,0.3); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-size: 1.05rem; color: var(--gold); flex-shrink: 0; }
.test-author { display: flex; align-items: center; gap: 12px; }
.test-name strong { display: block; font-size: 0.88rem; }
.test-name span { font-size: 0.76rem; color: var(--text-muted); }

/* COMPLIANCE STRIP */
.comp-strip { background: rgba(184,201,217,0.04); border-top: 1px solid var(--accent-dim); border-bottom: 1px solid var(--accent-dim); padding: 13px 0; }
.comp-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 6px 24px; text-align: center; }
.comp-row span { font-size: 0.72rem; color: var(--text-muted); }
.comp-row strong { color: var(--accent-bright); }
.comp-row .pipe { color: var(--accent-dim); }

/* CTA BAND */
.cta-band { background: linear-gradient(135deg, #070f18, var(--surface)); border-top: 1px solid var(--accent-dim); padding: 88px 0; text-align: center; }
.cta-band h2 { font-size: clamp(1.9rem,3.8vw,2.9rem); margin-bottom: 14px; }
.cta-band p { color: var(--text-muted); font-size: 1.03rem; max-width: 500px; margin: 0 auto 34px; line-height: 1.8; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }

/* FOOTER */
footer { background: #050c13; padding: 72px 0 0; }
.ft-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 52px; padding-bottom: 52px; border-bottom: 1px solid var(--accent-dim); }
.ft-brand p { color: var(--text-muted); font-size: 0.88rem; line-height: 1.8; margin: 14px 0 10px; }
.ft-fsp { font-size: 0.7rem; color: var(--gold); font-weight: 700; letter-spacing: 1.5px; }
.ft-logo { height: 52px; width: auto; margin-bottom: 14px; }
.ft-col h4 { font-family: var(--font-display); font-size: 0.98rem; margin-bottom: 16px; color: var(--accent-bright); }
.ft-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.ft-col ul a { font-size: 0.86rem; color: var(--text-muted); transition: var(--transition); }
.ft-col ul a:hover { color: var(--gold); }
.ft-ci { display: flex; align-items: flex-start; gap: 9px; margin-bottom: 11px; font-size: 0.86rem; color: var(--text-muted); }
.ft-ci svg { width: 14px; height: 14px; stroke: var(--gold); fill: none; stroke-width: 2; flex-shrink: 0; margin-top: 4px; }
.ft-ci a { color: var(--text-muted); transition: var(--transition); }
.ft-ci a:hover { color: var(--gold); }
.ft-bottom { padding: 18px 0; }
.ft-bi { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.ft-bi p { font-size: 0.74rem; color: #3d5570; }
.ft-links { display: flex; gap: 18px; }
.ft-links a { font-size: 0.74rem; color: #3d5570; transition: var(--transition); }
.ft-links a:hover { color: var(--accent); }
.ft-disc { font-size: 0.69rem; color: #2e4258; line-height: 1.65; padding-top: 10px; border-top: 1px solid rgba(184,201,217,0.05); margin-top: 6px; }

/* ABOUT PAGE */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.prose p { color: var(--text-muted); line-height: 1.85; margin-bottom: 16px; }
.val-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(250px,1fr)); gap: 22px; margin-top: 48px; }
.val-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 14px; padding: 28px 24px; transition: var(--transition); }
.val-card:hover { border-color: rgba(212,165,116,0.3); transform: translateY(-3px); }
.val-ic { width: 48px; height: 48px; border-radius: 12px; background: rgba(212,165,116,0.1); border: 1px solid rgba(212,165,116,0.2); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.val-ic svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.8; }
.val-card h3 { font-size: 1.05rem; margin-bottom: 9px; }
.val-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.72; }

/* FAQ */
.faq-list { max-width: 800px; margin: 48px auto 0; display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 12px; overflow: hidden; }
.faq-q { width: 100%; background: none; border: none; color: var(--text); font-family: var(--font-body); font-size: 0.95rem; font-weight: 700; padding: 20px 24px; text-align: left; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; transition: var(--transition); }
.faq-q:hover { color: var(--gold); }
.faq-q .faq-icon { width: 22px; height: 22px; border-radius: 50%; background: var(--accent-glow); border: 1px solid var(--accent-dim); display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 0.85rem; transition: var(--transition); }
.faq-q.open .faq-icon { background: rgba(212,165,116,0.15); border-color: rgba(212,165,116,0.3); color: var(--gold); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-a.open { max-height: 300px; }
.faq-a p { padding: 0 24px 20px; font-size: 0.9rem; color: var(--text-muted); line-height: 1.8; }

/* CONTACT PAGE */
.contact-cards { display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 22px; margin-top: 48px; }
.contact-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 14px; padding: 32px 26px; text-align: center; transition: var(--transition); }
.contact-card:hover { border-color: rgba(212,165,116,0.3); transform: translateY(-3px); }
.contact-card .cc-ic { width: 56px; height: 56px; border-radius: 50%; background: rgba(212,165,116,0.1); border: 2px solid rgba(212,165,116,0.2); display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; font-size: 1.5rem; }
.contact-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.contact-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }
.contact-card a { color: var(--gold); }

/* INFO CARD */
.info-card { background: var(--surface); border: 1px solid var(--accent-dim); border-radius: 14px; padding: 28px; }
.info-card h4 { font-size: 0.78rem; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.info-row-item { display: flex; justify-content: space-between; align-items: flex-start; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.05); font-size: 0.87rem; gap: 12px; }
.info-row-item:last-child { border-bottom: none; }
.info-row-item span { color: var(--text-muted); flex-shrink: 0; }
.info-row-item strong { color: var(--text); text-align: right; }

/* TERMS */
.terms-content { max-width: 860px; margin: 0 auto; }
.terms-content h3 { color: var(--gold); margin-top: 32px; margin-bottom: 12px; font-size: 1.05rem; }
.terms-content p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.85; margin-bottom: 14px; }
.terms-content ul { margin-left: 20px; margin-bottom: 14px; }
.terms-content ul li { font-size: 0.9rem; color: var(--text-muted); line-height: 1.8; margin-bottom: 6px; }

/* RESPONSIVE */
@media(max-width:1024px) { .two-col{grid-template-columns:1fr;gap:44px} .ft-grid{grid-template-columns:1fr 1fr;gap:36px} }
@media(max-width:768px) {
  .nav-links,.nav-cta{display:none}
  .hbg{display:flex}
  section{padding:64px 0}
  .hero{padding:100px 0 68px}
  .trust-row{gap:16px 24px}
  .tdiv{display:none}
  .ft-grid{grid-template-columns:1fr;gap:28px}
  .ft-bi{flex-direction:column;text-align:center}
  .cta-row,.hero-ctas{flex-direction:column;align-items:center}
  .form-row{grid-template-columns:1fr}
  .policy-btns{grid-template-columns:1fr}
}
@media(max-width:480px) { .hero h1{font-size:2.2rem} }