:root{
  --bg:#070b18;
  --panel:#10172a;
  --panel2:#111f3a;
  --text:#f8fafc;
  --muted:#a8b3c7;
  --accent:#38bdf8;
  --accent2:#8b5cf6;
  --gold:#f8d477;
  --line:rgba(255,255,255,.12);
  --shadow:0 24px 70px rgba(0,0,0,.35);
  --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--text);
  background:
    radial-gradient(circle at 15% 0%, rgba(56,189,248,.24), transparent 34%),
    radial-gradient(circle at 85% 10%, rgba(139,92,246,.28), transparent 35%),
    linear-gradient(180deg,#060914 0%,#0b1020 55%,#050815 100%);
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
.wrap{width:min(1180px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(7,11,24,.78);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.brand{font-weight:950;letter-spacing:-.04em;font-size:1.32rem}
.brand span{color:var(--accent)}
.navlinks{display:flex;gap:18px;align-items:center;color:var(--muted);font-size:.95rem}
.navlinks a:hover{color:white}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:999px;font-weight:850;background:linear-gradient(135deg,var(--accent),var(--accent2));color:#fff;box-shadow:0 14px 32px rgba(56,189,248,.18);border:0;cursor:pointer}
.btn.secondary{background:rgba(255,255,255,.08);border:1px solid var(--line);box-shadow:none;color:#fff}
.btn.gold{background:linear-gradient(135deg,#f8d477,#f59e0b);color:#111827}
.hero{padding:92px 0 64px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-12%;top:10%;width:430px;height:430px;border-radius:50%;background:radial-gradient(circle,rgba(56,189,248,.16),transparent 65%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:42px;align-items:center;position:relative;z-index:2}
.eyebrow{display:inline-flex;padding:8px 12px;border:1px solid var(--line);border-radius:999px;color:#cbd5e1;background:rgba(255,255,255,.06);font-size:.9rem;margin-bottom:18px}
h1{font-size:clamp(2.65rem,6vw,5.45rem);line-height:.94;margin:0 0 20px;letter-spacing:-.075em}
h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.03;letter-spacing:-.055em;margin:0 0 12px}
h3{margin:0 0 8px;font-size:1.22rem}
.grad{background:linear-gradient(135deg,#fff,#bdefff 45%,#d8c8ff);-webkit-background-clip:text;color:transparent}
.lead{font-size:1.2rem;color:var(--muted);max-width:670px;margin-bottom:28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
.trust{display:flex;gap:14px;flex-wrap:wrap;color:#cbd5e1;font-size:.92rem}
.trust span{border:1px solid var(--line);background:rgba(255,255,255,.05);padding:8px 12px;border-radius:999px}
.advisor-card{border:1px solid var(--line);background:linear-gradient(180deg,rgba(255,255,255,.105),rgba(255,255,255,.045));border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.quiz{display:grid;gap:12px;margin-top:18px}
.quiz a{display:flex;justify-content:space-between;align-items:center;padding:15px 16px;border:1px solid var(--line);border-radius:18px;background:rgba(255,255,255,.06);transition:.2s}
.quiz a:hover{transform:translateY(-2px);background:rgba(56,189,248,.13);border-color:rgba(56,189,248,.5)}
section{padding:60px 0}
.section-head{max-width:760px;margin-bottom:28px}
.section-head p,.card p,.step p,.band p,.legal p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--line);background:rgba(255,255,255,.06);border-radius:22px;padding:22px;min-height:250px;display:flex;flex-direction:column;justify-content:space-between;transition:.2s}
.card:hover{transform:translateY(-3px);border-color:rgba(56,189,248,.42);background:rgba(255,255,255,.08)}
.icon{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,rgba(56,189,248,.2),rgba(139,92,246,.2));border:1px solid var(--line);font-size:1.35rem;margin-bottom:14px}
.mini{color:var(--gold);font-size:.86rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.band{border:1px solid var(--line);background:linear-gradient(135deg,rgba(56,189,248,.13),rgba(139,92,246,.13));border-radius:28px;padding:34px;box-shadow:var(--shadow)}
.split{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{padding:20px;border:1px solid var(--line);border-radius:20px;background:rgba(255,255,255,.045)}
.num{width:34px;height:34px;border-radius:50%;background:rgba(56,189,248,.16);display:grid;place-items:center;font-weight:900;color:#7dd3fc;margin-bottom:10px}
form{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
input,select,textarea{width:100%;padding:14px 15px;border-radius:14px;border:1px solid var(--line);background:rgba(255,255,255,.08);color:#fff;outline:none}
textarea{grid-column:1/-1;min-height:120px}
select option{color:#111}
.form-actions{grid-column:1/-1}
.legal{max-width:850px}
footer{border-top:1px solid var(--line);padding:30px 0;color:var(--muted);font-size:.9rem}
footer a{color:#dbeafe}
@media(max-width:900px){.hero-grid,.split{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr 1fr}form{grid-template-columns:1fr}.navlinks{display:none}textarea,.form-actions{grid-column:auto}}
@media(max-width:600px){.cards,.steps{grid-template-columns:1fr}.hero{padding-top:52px}}