:root{
  --bg:#0b0d10;--panel:#141820;--panel-2:#1a2029;--text:#f6f3ea;
  --muted:#b8bec8;--gold:#d8b45b;--gold-2:#f0d184;--border:rgba(255,255,255,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;background:
radial-gradient(circle at top left,rgba(216,180,91,.08),transparent 34%),var(--bg);color:var(--text)}
a{color:inherit}.site-header{position:fixed;top:0;left:0;right:0;z-index:50;display:flex;align-items:center;
justify-content:space-between;padding:18px 6%;background:rgba(8,10,13,.76);backdrop-filter:blur(16px);border-bottom:1px solid var(--border)}
.brand{font-size:27px;font-weight:800;letter-spacing:-1px;text-decoration:none}.brand span{color:var(--gold)}
nav{display:flex;gap:26px}nav a{text-decoration:none;color:var(--muted);font-size:14px}.header-cta{padding:11px 17px;
border:1px solid rgba(216,180,91,.45);border-radius:999px;text-decoration:none;color:var(--gold-2)}
.hero{position:relative;min-height:100vh;display:grid;grid-template-columns:1.3fr .7fr;gap:42px;align-items:center;padding:130px 7% 80px;
background-image:url('https://images.unsplash.com/photo-1519085360753-af0119f7cbe7?auto=format&fit=crop&w=1800&q=85');
background-size:cover;background-position:center}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,7,10,.94),rgba(5,7,10,.72) 55%,rgba(5,7,10,.5))}
.hero-content,.hero-card{position:relative;z-index:1}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:12px;color:var(--gold-2);font-weight:700}
.hero h1{font-size:clamp(44px,7vw,82px);line-height:.98;max-width:800px;margin:18px 0}.hero h1 span{color:var(--gold)}
.hero p{max-width:690px;font-size:20px;color:#d6dae1}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0}
.btn{padding:15px 22px;border-radius:12px;text-decoration:none;font-weight:700}.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#111}
.btn-secondary{border:1px solid var(--border);background:rgba(255,255,255,.06)}.trust-row{display:flex;gap:18px;flex-wrap:wrap;color:#d7dbe2;font-size:14px}
.hero-card{justify-self:end;width:min(370px,100%);padding:26px;border:1px solid var(--border);border-radius:22px;background:rgba(15,18,23,.72);backdrop-filter:blur(14px)}
.mini-stat{padding:18px 0;border-bottom:1px solid var(--border)}.mini-stat:last-child{border-bottom:0}.mini-stat strong{display:block;font-size:26px;color:var(--gold-2)}
.mini-stat span{color:var(--muted)}
.section{padding:95px 7%}.section-heading{max-width:760px;margin-bottom:38px}.section-heading h2,.split-copy h2,.form-intro h2{font-size:clamp(34px,5vw,56px);margin:10px 0}
.section-heading p,.split-copy p,.form-intro p{color:var(--muted);font-size:18px}.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.feature-card,.step{background:linear-gradient(180deg,var(--panel-2),var(--panel));border:1px solid var(--border);border-radius:18px;padding:26px;box-shadow:0 16px 60px rgba(0,0,0,.25)}
.feature-card .icon{font-size:30px}.feature-card h3,.step h3{margin:14px 0 8px}.feature-card p,.step p{color:var(--muted)}
.split-section{display:grid;grid-template-columns:1fr 1fr;min-height:650px}.split-image{background:url('https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&w=1400&q=85') center/cover}
.split-copy{padding:80px;display:flex;flex-direction:column;justify-content:center;background:#11151b}.split-copy li{margin:14px 0;color:#dfe3e9}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step span{color:var(--gold);font-weight:800;font-size:28px}
.quote-section{padding:100px 7%;background:linear-gradient(135deg,#171b22,#0d1014);text-align:center}.quote-section blockquote{font-size:clamp(30px,5vw,58px);max-width:1000px;margin:auto;color:var(--gold-2)}
.form-section{display:grid;grid-template-columns:.7fr 1.3fr;gap:42px;align-items:start}.form-intro{position:sticky;top:110px}
.premium-form{background:linear-gradient(180deg,#171c24,#11151b);border:1px solid var(--border);border-radius:24px;padding:30px;box-shadow:0 30px 90px rgba(0,0,0,.35)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full-width{grid-column:1/-1}label span{display:block;margin-bottom:7px;color:#dce1e8;font-size:14px}
input,select{width:100%;padding:14px 15px;border-radius:11px;border:1px solid #343b47;background:#0d1117;color:#fff;outline:none}
input:focus,select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(216,180,91,.12)}
.conditional-fields{display:none;margin-top:24px;padding-top:20px;border-top:1px solid var(--border)}.conditional-fields h3{color:var(--gold-2)}
.consent{display:flex;gap:10px;align-items:flex-start;margin:24px 0}.consent input{width:auto;margin-top:3px}.consent span{margin:0}
.submit-btn{width:100%;padding:16px;border:0;border-radius:12px;background:linear-gradient(135deg,var(--gold),var(--gold-2));font-size:17px;font-weight:800;cursor:pointer}
.form-note{font-size:12px;color:#8f98a5;text-align:center}.success-message{display:none;margin-top:15px;padding:14px;border-radius:10px;background:#173b2b;color:#c8f7da}
.faq-list{max-width:920px}.faq-list details{border-bottom:1px solid var(--border);padding:20px 0}.faq-list summary{cursor:pointer;font-weight:700;font-size:18px}.faq-list p{color:var(--muted)}
footer{text-align:center;padding:50px 20px;border-top:1px solid var(--border);color:var(--muted)}footer .brand{color:#fff;margin-bottom:10px}
.reveal{opacity:0;transform:translateY(24px);transition:.7s ease}.reveal.visible{opacity:1;transform:none}
@media(max-width:1000px){nav{display:none}.hero{grid-template-columns:1fr}.hero-card{justify-self:start}.feature-grid,.steps{grid-template-columns:repeat(2,1fr)}
.split-section,.form-section{grid-template-columns:1fr}.form-intro{position:static}.split-image{min-height:420px}}
@media(max-width:650px){.site-header{padding:16px 5%}.header-cta{display:none}.hero{padding:115px 5% 60px}.section{padding:70px 5%}
.feature-grid,.steps,.form-grid{grid-template-columns:1fr}.full-width{grid-column:auto}.split-copy{padding:55px 28px}.trust-row{flex-direction:column;gap:8px}}


.stability-section{padding-top:35px}
.stability-panel{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:28px;
  align-items:stretch;
  padding:34px;
  border:1px solid rgba(216,180,91,.22);
  border-radius:26px;
  background:
    radial-gradient(circle at top right,rgba(216,180,91,.13),transparent 34%),
    linear-gradient(180deg,#171c24,#10141a);
  box-shadow:0 28px 90px rgba(0,0,0,.35)
}
.stability-copy h2{font-size:clamp(34px,5vw,56px);margin:12px 0 18px}
.stability-copy p{color:var(--muted);font-size:18px;line-height:1.7}
.stability-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.stability-badges span{
  padding:10px 14px;
  border-radius:999px;
  border:1px solid rgba(216,180,91,.28);
  background:rgba(216,180,91,.08);
  color:var(--gold-2);
  font-size:13px;
  font-weight:700
}
.stability-card{
  padding:28px;
  border-radius:20px;
  border:1px solid var(--border);
  background:rgba(8,11,15,.66);
  backdrop-filter:blur(12px)
}
.stability-card-label{
  color:var(--gold);
  text-transform:uppercase;
  letter-spacing:1.5px;
  font-size:11px;
  font-weight:800
}
.stability-card h3{font-size:27px;line-height:1.2;margin:12px 0 18px}
.stability-card ul{padding-left:20px}
.stability-card li{margin:13px 0;color:#dde2e8}
.stability-note{
  margin-top:22px;
  padding-top:18px;
  border-top:1px solid var(--border);
  color:#aeb6c1;
  font-size:14px;
  line-height:1.6
}
@media(max-width:900px){
  .stability-panel{grid-template-columns:1fr;padding:26px}
}


.family-impact-section{padding-top:35px}
.family-impact-panel{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:30px;
  padding:38px;
  border-radius:26px;
  border:1px solid rgba(216,180,91,.20);
  background:
    radial-gradient(circle at bottom left,rgba(216,180,91,.11),transparent 36%),
    linear-gradient(180deg,#151a21,#0f1318);
  box-shadow:0 28px 90px rgba(0,0,0,.32)
}
.family-impact-copy h2{
  font-size:clamp(34px,5vw,56px);
  line-height:1.05;
  margin:12px 0 20px
}
.family-impact-copy p{
  color:var(--muted);
  font-size:18px;
  line-height:1.7
}
.family-impact-note{
  padding:18px;
  border-left:3px solid var(--gold);
  background:rgba(216,180,91,.06);
  border-radius:0 12px 12px 0;
  font-size:15px!important
}
.family-impact-card{
  padding:30px;
  border-radius:20px;
  border:1px solid var(--border);
  background:rgba(8,11,15,.66)
}
.family-impact-icon{font-size:42px}
.family-impact-card h3{
  font-size:28px;
  margin:14px 0 18px;
  color:var(--gold-2)
}
.family-impact-card ul{padding-left:20px}
.family-impact-card li{
  margin:14px 0;
  color:#dde2e8;
  line-height:1.45
}
@media(max-width:900px){
  .family-impact-panel{grid-template-columns:1fr;padding:26px}
}