:root {
  --nav-bg: #0a1628;
  --bg: #f8f6f0;
  --fg: #0d1b2a;
  --accent: #c9a84c;
  --accent-dark: #a8873a;
  --muted: #6b7280;
  --border: #e2ddd6;
  --card-bg: #ffffff;
  --section-pad: 80px;
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--fg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
}

/* NAV */
.nav {
  background: var(--nav-bg);
  padding: 0 40px;
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-brand { display: flex; align-items: baseline; gap: 10px; }
.nav-logo {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--accent);
  letter-spacing: 0.1em;
}
.nav-tagline {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.05em;
}
.nav-phone {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
  letter-spacing: 0.03em;
}

/* HERO */
.hero {
  background: var(--nav-bg);
  padding: 80px 40px 100px;
  position: relative;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 60%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 60px;
  align-items: start;
  position: relative;
}
.hero-label {
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
  font-weight: 500;
}
.hero-headline {
  font-size: clamp(2.4rem, 4.5vw, 3.6rem);
  color: #fff;
  font-weight: 700;
  margin-bottom: 20px;
}
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 520px;
  line-height: 1.7;
  margin-bottom: 36px;
}
.hero-cta-row {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.btn-primary {
  background: var(--accent);
  color: var(--nav-bg);
  padding: 14px 28px;
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  border-radius: 2px;
  transition: background 0.2s;
  display: inline-block;
}
.btn-primary:hover { background: var(--accent-dark); }
.btn-secondary {
  background: transparent;
  color: rgba(255,255,255,0.75);
  padding: 14px 28px;
  font-size: 0.9rem;
  text-decoration: none;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 2px;
  transition: border-color 0.2s, color 0.2s;
  display: inline-block;
}
.btn-secondary:hover { border-color: rgba(255,255,255,0.4); color: #fff; }
.hero-aside {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 4px;
  padding: 18px 22px;
}
.hero-card-label {
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 6px;
}
.hero-card-value {
  font-size: 1.25rem;
  font-weight: 600;
  color: #fff;
}
.hero-card-value strong { color: var(--accent); }

/* STATS */
.stats {
  background: var(--fg);
  padding: 40px 40px;
}
.stats-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 40px;
}
.stat { text-align: center; }
.stat-value {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 4px;
}
.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.03em;
  line-height: 1.4;
}
.stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,0.12);
  flex-shrink: 0;
}

/* SECTION LABELS */
.section-label {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 500;
  margin-bottom: 12px;
}
.section-headline {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--fg);
}

/* PRODUCTS */
.products { padding: var(--section-pad) 40px; }
.products-inner { max-width: 1200px; margin: 0 auto; }
.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.product-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 32px 28px;
  transition: border-color 0.2s, transform 0.2s;
}
.product-card:hover { border-color: var(--accent); transform: translateY(-2px); }
.product-icon {
  width: 48px;
  height: 48px;
  background: rgba(201,168,76,0.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--accent);
}
.product-title {
  font-size: 1.05rem;
  font-weight: 600;
  margin-bottom: 10px;
  font-family: 'Playfair Display', serif;
}
.product-desc { font-size: 0.88rem; color: var(--muted); line-height: 1.6; }

/* WHY */
.why {
  background: #f0ede6;
  padding: var(--section-pad) 40px;
}
.why-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.why-body {
  font-size: 1rem;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 16px;
}
.why-stat-block {
  border-left: 3px solid var(--accent);
  padding-left: 20px;
  margin-bottom: 28px;
}
.why-stat-num {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--fg);
  margin-bottom: 4px;
}
.why-stat-desc { font-size: 0.85rem; color: var(--muted); line-height: 1.5; }

/* DIFFERENCE TABLE */
.difference { padding: var(--section-pad) 40px; }
.difference-inner { max-width: 1200px; margin: 0 auto; }
.diff-header { margin-bottom: 48px; }
.diff-table {
  border: 1px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}
.diff-row {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
}
.diff-header-row {
  background: var(--fg);
  padding: 16px 24px;
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.05em;
}
.diff-row:not(.diff-header-row):nth-child(even) { background: #faf9f7; }
.diff-row:not(.diff-header-row):nth-child(odd) { background: var(--card-bg); }
.diff-col { padding: 14px 24px; font-size: 0.88rem; color: var(--fg); }
.diff-col-bank { color: var(--muted); }
.diff-col-active {
  background: rgba(201,168,76,0.07) !important;
  font-weight: 500;
  color: var(--fg);
}
.diff-col-label { font-weight: 500; }

/* CLOSING */
.closing {
  background: var(--nav-bg);
  padding: 100px 40px;
  text-align: center;
}
.closing-inner { max-width: 680px; margin: 0 auto; }
.closing-headline {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: #fff;
  font-weight: 700;
  margin-bottom: 24px;
}
.closing-body {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.75;
  margin-bottom: 16px;
}

/* FOOTER */
.footer {
  background: #060e1a;
  padding: 48px 40px;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: start;
  gap: 40px;
  flex-wrap: wrap;
}
.footer-logo {
  display: block;
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  color: rgba(255,255,255,0.5);
  margin-bottom: 6px;
}
.footer-sub { font-size: 0.8rem; color: rgba(255,255,255,0.3); }
.footer-contact { text-align: right; }
.footer-contact p { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
.footer-copy { font-size: 0.75rem; color: rgba(255,255,255,0.2); width: 100%; margin-top: 24px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-aside { display: none; }
  .why-inner { grid-template-columns: 1fr; gap: 40px; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-inner { flex-direction: column; gap: 24px; }
  .stat-divider { display: none; }
}
@media (max-width: 600px) {
  .product-grid { grid-template-columns: 1fr; }
  .diff-table { font-size: 0.8rem; }
  .diff-col { padding: 10px 14px; }
  .hero, .products, .why, .difference, .closing, .footer { padding-left: 20px; padding-right: 20px; }
  .nav { padding: 0 20px; }
  .footer-inner { flex-direction: column; }
  .footer-contact { text-align: left; }
}