@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;700;900&family=Inter:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --bg: #030303;
  --bg-soft: #080808;
  --panel: #111111;
  --panel-2: #171717;
  --panel-3: #0d0d0d;
  --text: #f4f1ea;
  --muted: #a7a29a;
  --muted-2: #706b63;
  --line: #2a2620;
  --gold: #C9A961;
  --gold-soft: rgba(201,169,97,.14);
  --gold-line: rgba(201,169,97,.42);
  --danger: #D97062;
  --danger-soft: rgba(217,112,98,.12);
  --success: #8BBE8A;
  --success-soft: rgba(139,190,138,.12);
  --warning: #D6A94C;
  --shadow: 0 24px 90px rgba(0,0,0,.38);
  --radius: 26px;
  --radius-sm: 16px;
  --max: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background:
    radial-gradient(circle at top left, rgba(201,169,97,.12), transparent 32rem),
    radial-gradient(circle at top right, rgba(201,169,97,.07), transparent 26rem),
    var(--bg);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }

.wrap { width: min(var(--max), calc(100% - 44px)); margin: 0 auto; }

.nav {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(18px);
  background: rgba(3,3,3,.72);
  border-bottom: 1px solid rgba(201,169,97,.12);
}
.nav-inner {
  width: min(var(--max), calc(100% - 44px));
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: max-content;
}
.brand-mark {
  width: 34px; height: 34px; border: 1px solid var(--gold-line);
  display: grid; place-items: center; color: var(--gold);
  font-family: 'Playfair Display', serif; font-weight: 900;
  letter-spacing: -.04em;
}
.brand-name {
  font-size: 13px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
}
.nav-links { display: flex; gap: 22px; align-items: center; font-size: 13px; color: var(--muted); }
.nav-links a:hover { color: var(--gold); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 20px;
  border-radius: 999px;
  border: 1px solid var(--gold-line);
  background: var(--gold);
  color: #080808;
  font-weight: 800;
  letter-spacing: .01em;
  line-height: 1;
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn.secondary {
  background: rgba(201,169,97,.08);
  color: var(--gold);
}
.btn.ghost {
  background: transparent;
  color: var(--text);
  border-color: rgba(255,255,255,.14);
}

.hero {
  padding: 96px 0 70px;
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.16fr .84fr;
  gap: 52px;
  align-items: center;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: .22em;
  font-size: 11px;
  font-weight: 800;
  margin-bottom: 22px;
}
.eyebrow::before {
  content: '';
  width: 34px;
  height: 1px;
  background: var(--gold);
  opacity: .75;
}
h1, h2, h3, .serif {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.03;
  letter-spacing: -.035em;
}
h1 { font-size: clamp(52px, 7vw, 88px); font-weight: 900; margin-bottom: 24px; }
h2 { font-size: clamp(36px, 5vw, 58px); font-weight: 800; margin-bottom: 20px; }
h3 { font-size: 27px; font-weight: 800; }
.lead { font-size: 19px; color: var(--muted); max-width: 760px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 34px; }

.disclaimer {
  margin-top: 24px;
  padding: 14px 16px;
  border: 1px solid rgba(201,169,97,.18);
  background: rgba(201,169,97,.055);
  color: #d7caa9;
  border-radius: 999px;
  font-size: 13px;
  width: fit-content;
}

.hero-card {
  background: linear-gradient(145deg, rgba(23,23,23,.92), rgba(8,8,8,.92));
  border: 1px solid rgba(201,169,97,.22);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.hero-card::after {
  content: '';
  position: absolute;
  inset: auto -70px -90px auto;
  width: 210px;
  height: 210px;
  border-radius: 50%;
  background: rgba(201,169,97,.12);
  filter: blur(8px);
}
.metric-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  position: relative;
  z-index: 1;
}
.metric {
  background: rgba(255,255,255,.035);
  border: 1px solid rgba(255,255,255,.075);
  border-radius: 18px;
  padding: 20px;
}
.metric .value {
  font-size: clamp(28px, 5vw, 45px);
  line-height: 1;
  font-weight: 900;
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  margin-bottom: 8px;
}
.metric .label { font-size: 12px; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); font-weight: 800; }
.metric.full { grid-column: 1 / -1; }

.section { padding: 76px 0; }
.section.tight { padding: 52px 0; }
.section-header { max-width: 860px; margin-bottom: 34px; }
.section-header.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-kicker { color: var(--gold); font-size: 12px; text-transform: uppercase; letter-spacing: .2em; font-weight: 800; margin-bottom: 13px; }
.section-copy { color: var(--muted); font-size: 17px; max-width: 760px; }
.center .section-copy { margin: 0 auto; }

.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card-grid.two { grid-template-columns: repeat(2, 1fr); }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.card {
  background: linear-gradient(145deg, rgba(23,23,23,.9), rgba(11,11,11,.9));
  border: 1px solid rgba(255,255,255,.085);
  border-radius: var(--radius-sm);
  padding: 26px;
  position: relative;
  overflow: hidden;
}
.card.gold { border-color: var(--gold-line); background: linear-gradient(145deg, rgba(201,169,97,.12), rgba(11,11,11,.9)); }
.card.danger { border-color: rgba(217,112,98,.35); background: linear-gradient(145deg, var(--danger-soft), rgba(11,11,11,.9)); }
.card.success { border-color: rgba(139,190,138,.3); background: linear-gradient(145deg, var(--success-soft), rgba(11,11,11,.9)); }
.card-number {
  position: absolute;
  top: 18px;
  right: 22px;
  color: rgba(201,169,97,.13);
  font-family: 'Playfair Display', serif;
  font-size: 56px;
  font-weight: 900;
  line-height: 1;
}
.card-title { color: var(--text); margin-bottom: 10px; font-size: 20px; font-family: 'Inter', sans-serif; font-weight: 800; letter-spacing: -.01em; }
.card-copy { color: var(--muted); font-size: 14px; }
.card-value { font-size: 46px; font-weight: 900; color: var(--gold); font-family: 'Playfair Display', serif; margin: 12px 0 6px; line-height: 1; }
.card-note { color: var(--muted-2); font-size: 12px; text-transform: uppercase; letter-spacing: .12em; font-weight: 800; }

.panel {
  background: linear-gradient(145deg, rgba(17,17,17,.92), rgba(7,7,7,.92));
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
  padding: clamp(24px, 4vw, 42px);
  box-shadow: 0 22px 70px rgba(0,0,0,.24);
}
.panel + .panel { margin-top: 22px; }
.panel-title { display: flex; justify-content: space-between; gap: 18px; align-items: start; margin-bottom: 22px; }
.panel-title h3 { font-size: 32px; }
.badge {
  display: inline-flex;
  align-items: center;
  padding: 7px 11px;
  border-radius: 999px;
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  color: var(--gold);
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .12em;
  white-space: nowrap;
}

.chart {
  min-height: 390px;
  background: rgba(0,0,0,.25);
  border: 1px solid rgba(255,255,255,.06);
  border-radius: 18px;
  overflow: hidden;
  margin: 24px 0 10px;
}

.table-wrap { overflow-x: auto; border: 1px solid rgba(255,255,255,.08); border-radius: 18px; margin-top: 20px; }
table { width: 100%; border-collapse: collapse; min-width: 760px; }
th, td { padding: 17px 18px; text-align: left; border-bottom: 1px solid rgba(255,255,255,.07); }
th { background: rgba(201,169,97,.08); color: var(--gold); font-size: 11px; text-transform: uppercase; letter-spacing: .14em; font-weight: 900; }
td { color: #d9d3ca; font-size: 14px; }
tr:last-child td { border-bottom: 0; }
tr:hover td { background: rgba(201,169,97,.035); }
.strong { color: var(--text); font-weight: 800; }
.gold-text { color: var(--gold); font-weight: 900; }
.danger-text { color: var(--danger); font-weight: 900; }
.success-text { color: var(--success); font-weight: 900; }

.insight {
  display: grid;
  grid-template-columns: .68fr 1.32fr;
  gap: 24px;
  align-items: stretch;
  margin-top: 26px;
}
.insight-left {
  border: 1px solid var(--gold-line);
  background: var(--gold-soft);
  border-radius: var(--radius-sm);
  padding: 28px;
}
.insight-left .serif { font-size: 36px; color: var(--gold); margin-bottom: 12px; }
.insight-right {
  display: grid;
  gap: 12px;
}
.check-row {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 12px;
  align-items: start;
  color: var(--muted);
  background: rgba(255,255,255,.035);
  border: 1px solid rgba(255,255,255,.075);
  border-radius: 15px;
  padding: 15px 16px;
}
.check-dot {
  width: 28px; height: 28px; display: grid; place-items: center;
  border-radius: 999px; background: var(--gold); color: #050505;
  font-weight: 900; font-size: 12px;
}

.flow { display: grid; gap: 14px; }
.flow-item { display: grid; grid-template-columns: 54px 1fr; gap: 18px; align-items: start; }
.flow-num {
  width: 54px; height: 54px; border-radius: 999px; display: grid; place-items: center;
  background: var(--gold); color: #050505; font-weight: 900; font-family: 'Playfair Display'; font-size: 24px;
}
.flow-copy { padding-top: 3px; color: var(--muted); }
.flow-copy strong { display: block; color: var(--text); font-size: 18px; margin-bottom: 4px; }

.cta {
  margin: 58px 0 22px;
  padding: clamp(32px, 5vw, 54px);
  border-radius: var(--radius);
  border: 1px solid var(--gold-line);
  background:
    radial-gradient(circle at 18% 20%, rgba(201,169,97,.18), transparent 18rem),
    linear-gradient(145deg, rgba(24,20,12,.92), rgba(6,6,6,.94));
  text-align: center;
}
.cta h2 { max-width: 820px; margin-left: auto; margin-right: auto; }
.cta p { color: var(--muted); max-width: 740px; margin: 0 auto 26px; }

.footer {
  border-top: 1px solid rgba(201,169,97,.14);
  padding: 42px 0;
  color: var(--muted-2);
  font-size: 13px;
}
.footer-inner { display: flex; justify-content: space-between; gap: 18px; align-items: center; flex-wrap: wrap; }

.mobile-only { display: none; }

@media (max-width: 980px) {
  .hero-grid, .insight { grid-template-columns: 1fr; }
  .card-grid, .card-grid.two, .card-grid.four { grid-template-columns: repeat(2, 1fr); }
  .nav-links { display: none; }
  .hero { padding-top: 70px; }
}
@media (max-width: 640px) {
  .wrap, .nav-inner { width: min(100% - 28px, var(--max)); }
  .card-grid, .card-grid.two, .card-grid.four, .metric-grid { grid-template-columns: 1fr; }
  .panel-title { display: block; }
  .panel-title .badge { margin-top: 14px; }
  .btn { width: 100%; }
  .hero-actions { width: 100%; }
  .disclaimer { border-radius: 16px; }
  .hero-card { padding: 18px; }
  .chart { min-height: 330px; }
}