:root{
  --bg:#0b0d10;
  --panel:#11151b;
  --text:#eef2f6;
  --muted:#aeb7c2;
  --gold:#d4af37;
  --gold2:#b98b1f;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family: Arial, sans-serif;
  color:#1d232b;
  background:#f6f7f9;
}
.hero{
  background: radial-gradient(1200px 500px at 20% 0%, rgba(212,175,55,.35), transparent 60%),
              radial-gradient(900px 450px at 90% 10%, rgba(185,139,31,.25), transparent 55%),
              linear-gradient(135deg, #0b0d10, #121823 60%, #0b0d10);
  color:var(--text);
  padding:64px 18px;
}
.hero-inner{ max-width:1100px; margin:0 auto; }
.badge{
  display:inline-block;
  padding:6px 10px;
  border:1px solid rgba(212,175,55,.45);
  border-radius:999px;
  color:var(--gold);
  font-weight:700;
  letter-spacing:.08em;
  font-size:.78rem;
}
.hero h1{
  margin:14px 0 10px;
  font-size:2.25rem;
  line-height:1.12;
}
.sub{ color:var(--muted); max-width:850px; }
.note{ color:rgba(255,255,255,.7); font-size:.9rem; margin-top:12px; }
.cta-row{ display:flex; gap:12px; flex-wrap:wrap; margin-top:18px; }
.cta{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 16px;
  border-radius:10px;
  text-decoration:none;
  font-weight:800;
  border:1px solid transparent;
  cursor:pointer;
}
.cta.primary{
  background:linear-gradient(135deg, var(--gold), var(--gold2));
  color:#111;
}
.cta.secondary{
  background:transparent;
  color:var(--text);
  border-color:rgba(255,255,255,.22);
}
.section{ max-width:1100px; margin:0 auto; padding:34px 18px; }
.section h2{ margin:0 0 10px; font-size:1.6rem; }
.lead{ color:#3a4552; max-width:950px; }
.panel{
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  padding:16px;
  margin-top:14px;
}
.panel-grid{
  display:grid;
  grid-template-columns: 360px 1fr;
  gap:16px;
}
@media (max-width: 900px){
  .panel-grid{ grid-template-columns:1fr; }
}
.panel-left label{ display:block; font-weight:700; margin:10px 0 6px; }
.panel-left input, .panel-left select{
  width:100%;
  padding:10px 10px;
  border:1px solid #d7dde6;
  border-radius:10px;
  font-size:1rem;
}
.mini{
  margin-top:14px;
  border-top:1px dashed #d7dde6;
  padding-top:10px;
  color:#4a5563;
  font-size:.92rem;
}
.mini .k{ font-weight:800; }
.panel-right{ min-height:360px; }
.small{ font-size:.9rem; color:#55606f; margin-top:10px; }
.table-wrap{ margin-top:22px; }
table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  overflow:hidden;
}
th, td{
  padding:10px 12px;
  border-bottom:1px solid #eef2f6;
  text-align:left;
}
th{ background:#fbfcfe; font-weight:800; }
.calc{
  display:grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap:14px;
  margin-top:14px;
}
@media (max-width: 900px){
  .calc{ grid-template-columns:1fr; }
}
.calc-col{
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  padding:14px;
}
.calc-col h3{ margin:0 0 10px; }
.calc-col label{ display:block; font-weight:700; margin:10px 0 6px; }
.calc-col input{
  width:100%;
  padding:10px;
  border:1px solid #d7dde6;
  border-radius:10px;
  font-size:1rem;
}
.pill{
  margin-top:10px;
  padding:10px 12px;
  background:#0b0d10;
  color:#fff;
  border-radius:12px;
  font-weight:800;
}
.results{
  margin-top:14px;
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  padding:14px;
  font-size:1.02rem;
}
.article-box{
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  padding:14px;
  line-height:1.55;
}
.article-box p{ margin:0 0 8px; }
.final-cta{
  background: linear-gradient(135deg, rgba(212,175,55,.14), rgba(0,0,0,0));
  border-top:1px solid #e8edf3;
}

/* Contact */
.contact-grid{
  display:grid;
  grid-template-columns: 360px 1fr;
  gap:14px;
  margin-top:14px;
}
@media (max-width: 900px){
  .contact-grid{ grid-template-columns:1fr; }
}
.contact-card, .contact-form-wrap{
  background:#fff;
  border:1px solid #e4e8ee;
  border-radius:14px;
  padding:14px;
}
.contact-brand{
  font-weight:900;
  letter-spacing:.06em;
  color:#111;
  margin-bottom:8px;
}
.contact-line{ margin:8px 0; }
.contact-line .label{ font-weight:800; color:#3a4552; }
.contact-line a{ color:#0b0d10; font-weight:900; text-decoration:none; }
.contact-actions{ display:flex; gap:10px; flex-wrap:wrap; margin-top:12px; }

.contact-form label{ display:block; font-weight:800; margin:10px 0 6px; }
.contact-form input, .contact-form textarea{
  width:100%;
  padding:10px;
  border:1px solid #d7dde6;
  border-radius:10px;
  font-size:1rem;
}
.contact-form .row{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:10px;
}
@media (max-width: 700px){
  .contact-form .row{ grid-template-columns:1fr; }
}
.form-actions{ display:flex; align-items:center; gap:12px; flex-wrap:wrap; margin-top:10px; }
.form-status{
  margin-top:10px;
  font-weight:800;
  color:#0b0d10;
}

.footer{
  background:#0b0d10;
  color:#d5dde7;
  padding:20px 18px;
}
.footer-inner{ max-width:1100px; margin:0 auto; display:grid; gap:8px; }