:root {
    --gold: #C9A227;
    --gold-dark: #A07D10;
    --gold-light: #F0C84A;
    --navy: #0A1628;
    --navy-mid: #112240;
    --navy-light: #1A3358;
    --white: #FFFFFF;
    --off-white: #F5F3EE;
    --text-main: #1A1A2E;
    --text-muted: #5A6480;
    --text-light: #8A94AA;
    --border: #DDD8CC;
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --font-display: 'Georgia', 'Times New Roman', serif;
    --font-body: 'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.75;
    color: var(--text-main);
    background: var(--white);
}

a { color: var(--gold-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

.btn {
    display: inline-block;
    background: var(--gold);
    color: var(--navy);
    font-weight: 700;
    font-size: 15px;
    padding: 13px 32px;
    border-radius: var(--radius-sm);
    border: none;
    cursor: pointer;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    transition: background 0.18s, transform 0.12s;
    text-decoration: none;
}
.btn:hover { background: var(--gold-light); text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-outline {
    background: transparent;
    border: 2px solid var(--gold);
    color: var(--gold);
}
.btn-outline:hover { background: var(--gold); color: var(--navy); }

/* TOP BANNER */
.top-banner {
    background: linear-gradient(90deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy) 100%);
    border-bottom: 3px solid var(--gold);
    padding: 14px 20px;
    text-align: center;
}
.top-banner-inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
    max-width: 1100px;
    margin: 0 auto;
}
.top-banner-text {
    color: var(--white);
    font-size: 15px;
}
.top-banner-text strong {
    color: var(--gold-light);
    font-size: 18px;
}

/* HEADER */
header {
    background: var(--navy);
    padding: 16px 20px;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.header-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}
.logo-icon {
    width: 46px;
    height: 46px;
    flex-shrink: 0;
}
.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.1;
}
.logo-text .brand {
    font-family: var(--font-display);
    font-size: 22px;
    font-weight: 700;
    color: var(--gold-light);
    letter-spacing: 0.02em;
}
.logo-text .brand span { color: var(--white); }
.logo-text .tagline {
    font-size: 10px;
    color: var(--text-light);
    letter-spacing: 0.1em;
    text-transform: uppercase;
}
nav {
    display: flex;
    gap: 6px;
    align-items: center;
    flex-wrap: wrap;
}
nav a {
    color: var(--text-light);
    font-size: 13px;
    padding: 6px 12px;
    border-radius: var(--radius-sm);
    transition: color 0.15s, background 0.15s;
    text-decoration: none;
}
nav a:hover { color: var(--gold-light); background: rgba(201,162,39,0.08); }
nav .cta-nav { background: var(--gold); color: var(--navy); font-weight: 700; }
nav .cta-nav:hover { background: var(--gold-light); }

/* HERO */
.hero {
    background: var(--navy);
    padding: 70px 20px 60px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(201,162,39,0.12) 0%, transparent 70%);
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: -60px; left: -60px;
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(201,162,39,0.08) 0%, transparent 70%);
    pointer-events: none;
}
.hero-inner {
    max-width: 1100px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}
.hero-rating {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(201,162,39,0.15);
    border: 1px solid rgba(201,162,39,0.3);
    border-radius: 20px;
    padding: 6px 16px;
    margin-bottom: 20px;
}
.hero-rating .stars { color: var(--gold-light); font-size: 16px; letter-spacing: 2px; }
.hero-rating .score { color: var(--gold-light); font-weight: 700; font-size: 14px; }
.hero-rating .label { color: var(--text-light); font-size: 13px; }
h1 {
    font-family: var(--font-display);
    font-size: clamp(32px, 5vw, 54px);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 20px;
}
h1 em {
    color: var(--gold-light);
    font-style: normal;
}
.hero-lead {
    font-size: 18px;
    color: rgba(255,255,255,0.75);
    max-width: 680px;
    margin-bottom: 32px;
    line-height: 1.65;
}
.hero-ctas {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    align-items: center;
    margin-bottom: 40px;
}
.hero-badges {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
}
.hero-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.6);
    font-size: 13px;
}
.hero-badge .icon {
    width: 32px; height: 32px;
    background: rgba(201,162,39,0.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 15px;
}

/* QUICK STATS */
.quick-stats {
    background: var(--off-white);
    border-bottom: 1px solid var(--border);
    padding: 28px 20px;
}
.stats-grid {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 12px;
}
.stat-item {
    text-align: center;
    padding: 16px 12px;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
}
.stat-item .num {
    font-family: var(--font-display);
    font-size: 26px;
    font-weight: 700;
    color: var(--gold-dark);
    display: block;
}
.stat-item .lbl {
    font-size: 12px;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-top: 2px;
}

/* SECTION BASE */
section { padding: 60px 20px; }
section:nth-child(even) { background: var(--off-white); }

h2 {
    font-family: var(--font-display);
    font-size: clamp(22px, 3.5vw, 32px);
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
    line-height: 1.25;
}
h2 .accent { color: var(--gold-dark); }
.section-lead {
    font-size: 17px;
    color: var(--text-muted);
    margin-bottom: 36px;
    max-width: 700px;
}
h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin: 28px 0 10px;
}
p { margin-bottom: 16px; }
p:last-child { margin-bottom: 0; }

/* SECTION LABEL */
.section-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold-dark);
    background: rgba(201,162,39,0.1);
    border: 1px solid rgba(201,162,39,0.25);
    border-radius: 20px;
    padding: 4px 14px;
    margin-bottom: 12px;
}

/* TWO-COLUMN TEXT */
.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}

/* CARD GRID */
.card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    margin-top: 28px;
}
.card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 28px;
    transition: box-shadow 0.2s, border-color 0.2s;
}
.card:hover { box-shadow: 0 6px 24px rgba(0,0,0,0.08); border-color: var(--gold); }
.card-icon {
    width: 48px; height: 48px;
    background: rgba(201,162,39,0.12);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px;
    margin-bottom: 16px;
}
.card h3 { margin-top: 0; font-size: 17px; }
.card p { font-size: 15px; color: var(--text-muted); }

/* BONUS BOX */
.bonus-banner {
    background: var(--navy);
    border: 2px solid var(--gold);
    border-radius: var(--radius-lg);
    padding: 32px 36px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin: 40px 0;
}
.bonus-banner-left {}
.bonus-tag {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold);
    font-weight: 700;
    margin-bottom: 6px;
}
.bonus-amount {
    font-family: var(--font-display);
    font-size: clamp(28px, 4vw, 44px);
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1;
    margin-bottom: 4px;
}
.bonus-desc {
    color: rgba(255,255,255,0.7);
    font-size: 14px;
}

/* SECOND BANNER STRIP */
.banner-strip {
    background: var(--gold);
    padding: 20px 20px;
    text-align: center;
}
.banner-strip-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
}
.banner-strip-text {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
}
.btn-dark {
    background: var(--navy);
    color: var(--gold-light);
    border: none;
}
.btn-dark:hover { background: var(--navy-mid); color: var(--gold-light); }

/* TABLE */
.table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    margin: 24px 0;
}
table {
    width: 100%;
    border-collapse: collapse;
    font-size: 15px;
    min-width: 480px;
}
thead tr { background: var(--navy); }
thead th {
    color: var(--gold-light);
    padding: 14px 18px;
    text-align: left;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    white-space: nowrap;
}
tbody tr { border-bottom: 1px solid var(--border); }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: rgba(201,162,39,0.04); }
tbody td {
    padding: 13px 18px;
    color: var(--text-main);
    vertical-align: middle;
}
tbody td:first-child { font-weight: 600; }
.badge-yes { color: #1a7a3c; background: #e6f4ec; border-radius: 4px; padding: 2px 10px; font-size: 13px; font-weight: 600; }
.badge-no { color: #9b1c1c; background: #fde8e8; border-radius: 4px; padding: 2px 10px; font-size: 13px; }

/* PROS CONS */
.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 28px;
}
.pros, .cons {
    border-radius: var(--radius-md);
    padding: 24px;
}
.pros { background: #f0faf4; border: 1px solid #b7e4c7; }
.cons { background: #fff5f5; border: 1px solid #fac8c8; }
.pros h3 { color: #1a7a3c; margin-top: 0; }
.cons h3 { color: #c0392b; margin-top: 0; }
.pros ul, .cons ul { list-style: none; padding: 0; margin: 0; }
.pros li, .cons li {
    padding: 6px 0 6px 26px;
    position: relative;
    font-size: 15px;
    color: var(--text-main);
    border-bottom: 1px solid rgba(0,0,0,0.05);
}
.pros li:last-child, .cons li:last-child { border-bottom: none; }
.pros li::before { content: '✓'; position: absolute; left: 0; color: #27ae60; font-weight: 700; }
.cons li::before { content: '✕'; position: absolute; left: 0; color: #c0392b; font-weight: 700; }

/* STEPS */
.steps { counter-reset: step; margin-top: 28px; }
.step {
    display: flex;
    gap: 20px;
    margin-bottom: 28px;
    align-items: flex-start;
}
.step-num {
    flex-shrink: 0;
    width: 44px; height: 44px;
    background: var(--navy);
    color: var(--gold-light);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 18px;
}
.step-body h3 { margin-top: 0; font-size: 17px; }
.step-body p { font-size: 15px; color: var(--text-muted); margin: 0; }

/* PAYMENT GRID */
.payment-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
    gap: 14px;
    margin-top: 24px;
}
.payment-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 16px 12px;
    text-align: center;
    transition: border-color 0.15s;
}
.payment-item:hover { border-color: var(--gold); }
.payment-item .pay-icon {
    font-size: 26px;
    margin-bottom: 8px;
    display: block;
}
.payment-item .pay-name {
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    display: block;
}
.payment-item .pay-time {
    font-size: 11px;
    color: var(--text-light);
    margin-top: 2px;
    display: block;
}

/* FAQ */
.faq-list { margin-top: 28px; }
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    margin-bottom: 10px;
    overflow: hidden;
}
.faq-item input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0; height: 0;
}
.faq-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 22px;
    cursor: pointer;
    font-weight: 600;
    font-size: 16px;
    color: var(--navy);
    background: var(--white);
    transition: background 0.15s;
    user-select: none;
}
.faq-label:hover { background: var(--off-white); }
.faq-arrow {
    width: 24px; height: 24px;
    background: rgba(201,162,39,0.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 13px;
    color: var(--gold-dark);
    flex-shrink: 0;
    transition: transform 0.25s;
}
.faq-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.25s;
    padding: 0 22px;
    font-size: 15px;
    color: var(--text-muted);
    line-height: 1.75;
    background: var(--off-white);
}
.faq-item input:checked ~ .faq-label { background: rgba(201,162,39,0.06); }
.faq-item input:checked ~ .faq-label .faq-arrow { transform: rotate(180deg); background: var(--gold); color: var(--navy); }
.faq-item input:checked ~ .faq-body { max-height: 600px; padding: 18px 22px; }

/* AUTHOR BOX */
.author-box {
    background: var(--navy-mid);
    border-radius: var(--radius-md);
    padding: 28px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
    margin-top: 40px;
}
.author-avatar {
    width: 60px; height: 60px;
    border-radius: 50%;
    background: var(--gold);
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-size: 22px;
    font-weight: 700;
    color: var(--navy);
    flex-shrink: 0;
}
.author-info .name { color: var(--white); font-weight: 700; font-size: 16px; }
.author-info .role { color: var(--gold-light); font-size: 13px; margin-bottom: 8px; }
.author-info p { color: rgba(255,255,255,0.65); font-size: 14px; margin: 0; }

/* FOOTER */
footer {
    background: var(--navy);
    padding: 50px 20px 30px;
    color: rgba(255,255,255,0.55);
}
.footer-inner {
    max-width: 1100px;
    margin: 0 auto;
}
.footer-top {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}
.footer-brand .logo-text .brand { font-size: 20px; }
.footer-brand p {
    font-size: 13px;
    margin-top: 12px;
    line-height: 1.6;
    color: rgba(255,255,255,0.45);
}
.footer-col h4 {
    color: var(--gold-light);
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 14px;
    font-weight: 700;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a {
    color: rgba(255,255,255,0.5);
    font-size: 13px;
    text-decoration: none;
    transition: color 0.15s;
}
.footer-col a:hover { color: var(--gold-light); }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin: 20px 0; }
.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.35); }
.age-badge {
    background: rgba(201,162,39,0.15);
    border: 1px solid rgba(201,162,39,0.3);
    border-radius: 6px;
    padding: 6px 14px;
    font-size: 12px;
    color: var(--gold-light);
    font-weight: 700;
    letter-spacing: 0.05em;
}
.disclaimer {
    font-size: 12px;
    color: rgba(255,255,255,0.3);
    line-height: 1.6;
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid rgba(255,255,255,0.08);
}

/* RESPONSIVE */
@media (max-width: 900px) {
    .footer-top { grid-template-columns: 1fr 1fr; }
    .two-col { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 680px) {
    header { padding: 12px 16px; }
    nav { display: none; }
    .hero { padding: 44px 16px 40px; }
    .hero-ctas { flex-direction: column; align-items: flex-start; }
    .bonus-banner { flex-direction: column; text-align: center; }
    .pros-cons { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; gap: 24px; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .top-banner-inner { flex-direction: column; gap: 10px; }
    section { padding: 44px 16px; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .banner-strip-inner { flex-direction: column; gap: 12px; }
}