:root{
    --ink:#1B3648;
    --ink-soft:#3C5666;
    --sea:#234C5C;
    --limestone:#F3EDE1;
    --limestone-dim:#EAE2D2;
    --paper:#FBF8F1;
    --gold:#C89B3C;
    --gold-dim:#E4CD9A;
    --clay:#B15A35;
    --clay-dark:#8F4728;
    --sage:#7C8B6F;
    --line:rgba(27,54,72,0.14);
    --font-display:'Fraunces', serif;
    --font-body:'Public Sans', sans-serif;
    --font-mono:'IBM Plex Mono', monospace;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    background:var(--limestone);
    color:var(--ink);
    font-family:var(--font-body);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  img,svg{display:block;max-width:100%;}
  a{color:inherit;}
  .wrap{max-width:1120px;margin:0 auto;padding:0 32px;}
  @media(max-width:640px){.wrap{padding:0 20px;}}

  /* ---------- header ---------- */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(243,237,225,0.92);
    backdrop-filter:saturate(140%) blur(6px);
    border-bottom:1px solid var(--line);
  }
  .nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0;}
  .logo{
    font-family:var(--font-display);
    font-weight:600;font-size:22px;letter-spacing:0.01em;
  }
  .logo span{color:var(--clay);}
  .nav-links{display:flex;gap:32px;align-items:center;font-size:14px;}
  .nav-links a{text-decoration:none;color:var(--ink-soft);}
  .nav-links a:hover{color:var(--ink);}
  .btn{
    display:inline-flex;align-items:center;gap:8px;
    font-family:var(--font-body);font-weight:600;font-size:14px;
    padding:11px 22px;border-radius:3px;
    text-decoration:none;cursor:pointer;border:1px solid transparent;
    transition:transform .15s ease;
  }
  .btn:hover{transform:translateY(-1px);}
  .btn-primary{background:var(--clay);color:var(--paper);}
  .btn-primary:hover{background:var(--clay-dark);}
  .btn-ghost{border-color:var(--ink);color:var(--ink);}
  @media(max-width:800px){.nav-links a:not(.btn){display:none;}}

  /* ---------- hero ---------- */
  .hero{padding:88px 0 64px;}
  .hero-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:64px;align-items:center;}
  @media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:48px;}}
  .eyebrow{
    font-family:var(--font-mono);font-size:12px;letter-spacing:0.12em;
    text-transform:uppercase;color:var(--clay-dark);
    display:flex;align-items:center;gap:10px;margin-bottom:20px;
  }
  .eyebrow::before{content:'';width:24px;height:1px;background:var(--clay);}
  h1{
    font-family:var(--font-display);font-weight:500;
    font-size:clamp(34px,4.6vw,54px);line-height:1.08;letter-spacing:-0.01em;
    margin:0 0 22px;
  }
  h1 em{font-style:italic;color:var(--sea);font-weight:500;}
  .hero-sub{font-size:17px;color:var(--ink-soft);max-width:46ch;margin:0 0 34px;}
  .hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:28px;}
  .hero-trust{font-size:13px;color:var(--ink-soft);display:flex;align-items:center;gap:8px;}
  .hero-trust svg{width:14px;height:14px;flex-shrink:0;}

  /* horizon savings bar — signature element */
  .horizon-card{
    background:var(--sea);color:var(--limestone);border-radius:4px;
    padding:30px 30px 26px;position:relative;overflow:hidden;
  }
  .horizon-label{
    display:flex;justify-content:space-between;align-items:baseline;
    font-family:var(--font-mono);font-size:11px;letter-spacing:0.08em;
    text-transform:uppercase;color:var(--gold-dim);margin-bottom:22px;
  }
  .horizon-proc{font-family:var(--font-display);font-size:19px;font-style:italic;color:var(--limestone);margin:0 0 24px;}
  .hz-row{margin-bottom:18px;}
  .hz-row:last-of-type{margin-bottom:0;}
  .hz-top{display:flex;justify-content:space-between;font-size:13px;margin-bottom:8px;color:var(--limestone-dim);}
  .hz-top b{font-family:var(--font-mono);color:var(--limestone);font-weight:500;}
  .hz-track{height:8px;background:rgba(255,255,255,0.12);border-radius:2px;overflow:hidden;}
  .hz-fill{height:100%;border-radius:2px;}
  .hz-fill.us{width:100%;background:linear-gradient(90deg,#8A6A45,var(--gold));}
  .hz-fill.gr{width:27%;background:var(--sage);}
  .hz-save{
    margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,0.15);
    display:flex;justify-content:space-between;align-items:center;
  }
  .hz-save-label{font-size:13px;color:var(--limestone-dim);}
  .hz-save-num{font-family:var(--font-mono);font-size:22px;color:var(--gold);}

  /* ---------- section shell ---------- */
  section{padding:72px 0;}
  .section-head{max-width:640px;margin:0 0 44px;}
  .kicker{
    font-family:var(--font-mono);font-size:12px;letter-spacing:0.1em;
    text-transform:uppercase;color:var(--sage);margin:0 0 12px;
  }
  h2{font-family:var(--font-display);font-weight:500;font-size:clamp(26px,3vw,36px);margin:0 0 14px;line-height:1.15;}
  .section-sub{color:var(--ink-soft);font-size:16px;max-width:56ch;}

  /* ---------- problem stats ---------- */
  .stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:4px;overflow:hidden;}
  @media(max-width:700px){.stat-row{grid-template-columns:1fr;}}
  .stat{background:var(--paper);padding:30px 28px;}
  .stat-num{font-family:var(--font-display);font-size:38px;color:var(--sea);margin:0 0 6px;}
  .stat-label{font-size:14px;color:var(--ink-soft);}

  /* ---------- process ---------- */
  .process{position:relative;}
  .process-list{display:flex;flex-direction:column;}
  .p-step{display:grid;grid-template-columns:64px 1fr;gap:26px;padding:26px 0;border-top:1px solid var(--line);}
  .p-step:last-child{border-bottom:1px solid var(--line);}
  .p-num{font-family:var(--font-mono);font-size:14px;color:var(--gold);padding-top:2px;}
  .p-title{font-family:var(--font-display);font-size:20px;font-weight:500;margin:0 0 8px;}
  .p-desc{color:var(--ink-soft);font-size:15px;max-width:56ch;}

  /* ---------- savings table ---------- */
  .save-table{width:100%;border-collapse:collapse;font-size:14px;}
  .save-table th{
    text-align:left;font-family:var(--font-mono);font-weight:500;font-size:11px;
    letter-spacing:0.06em;text-transform:uppercase;color:var(--ink-soft);
    padding:0 16px 14px;border-bottom:1px solid var(--ink);
  }
  .save-table td{padding:16px;border-bottom:1px solid var(--line);vertical-align:middle;}
  .save-table th:first-child,.save-table td:first-child{padding-left:0;}
  .save-table th:last-child,.save-table td:last-child{padding-right:0;text-align:right;}
  .proc-name{font-family:var(--font-display);font-size:16px;}
  .price-us{color:var(--ink-soft);}
  .price-gr{font-family:var(--font-mono);color:var(--sea);font-weight:500;}
  .save-pct{
    display:inline-block;font-family:var(--font-mono);font-size:12px;
    background:var(--sage);color:var(--paper);padding:3px 9px;border-radius:2px;
  }
  .table-note{font-size:12px;color:var(--ink-soft);margin-top:14px;}
  @media(max-width:640px){
    .save-table thead{display:none;}
    .save-table tr{display:grid;grid-template-columns:1fr 1fr;gap:4px 12px;padding:16px 0;border-bottom:1px solid var(--line);}
    .save-table td{border:none;padding:0;}
    .proc-name{grid-column:1/-1;margin-bottom:6px;}
  }

  /* ---------- trust ---------- */
  .trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2px;}
  @media(max-width:700px){.trust-grid{grid-template-columns:1fr;}}
  .trust-card{background:var(--paper);padding:28px;border:1px solid var(--line);}
  .trust-card svg{width:22px;height:22px;color:var(--clay);margin-bottom:14px;}
  .trust-title{font-family:var(--font-display);font-size:17px;margin:0 0 8px;}
  .trust-desc{font-size:14px;color:var(--ink-soft);}

  .quote-card{
    background:var(--sea);color:var(--limestone);border-radius:4px;
    padding:38px 36px;margin-top:40px;
  }
  .quote-card p{
    font-family:var(--font-display);font-style:italic;font-size:20px;
    line-height:1.5;margin:0 0 18px;color:var(--limestone);
  }
  .quote-attr{font-size:13px;color:var(--gold-dim);font-family:var(--font-mono);}
  .quote-placeholder-tag{
    display:inline-block;margin-top:16px;font-family:var(--font-mono);font-size:11px;
    letter-spacing:0.06em;text-transform:uppercase;color:var(--limestone-dim);
    border:1px dashed rgba(243,237,225,0.4);padding:4px 10px;border-radius:2px;
  }

  /* ---------- faq ---------- */
  .faq-item{border-top:1px solid var(--line);}
  .faq-item:last-child{border-bottom:1px solid var(--line);}
  .faq-q{
    width:100%;text-align:left;background:none;border:none;cursor:pointer;
    display:flex;justify-content:space-between;align-items:center;
    padding:22px 0;font-family:var(--font-display);font-size:18px;color:var(--ink);
  }
  .faq-q .plus{font-family:var(--font-mono);font-size:18px;color:var(--clay);transition:transform .2s ease;flex-shrink:0;margin-left:20px;}
  .faq-item.open .plus{transform:rotate(45deg);}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
  .faq-a-inner{padding:0 0 22px;color:var(--ink-soft);font-size:15px;max-width:62ch;}
  .faq-item.open .faq-a{max-height:220px;}

  /* ---------- cta / form ---------- */
  .cta-section{background:var(--ink);color:var(--limestone);border-radius:6px;padding:56px;}
  @media(max-width:640px){.cta-section{padding:36px 24px;}}
  .cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
  @media(max-width:800px){.cta-grid{grid-template-columns:1fr;gap:36px;}}
  .cta-section h2{color:var(--limestone);}
  .cta-section .section-sub{color:rgba(243,237,225,0.72);}
  .cta-list{list-style:none;padding:0;margin:24px 0 0;font-size:14px;color:rgba(243,237,225,0.8);}
  .cta-list li{display:flex;gap:10px;padding:8px 0;}
  .cta-list svg{width:16px;height:16px;flex-shrink:0;color:var(--gold);margin-top:2px;}

  form{display:flex;flex-direction:column;gap:14px;}
  label{font-size:12px;font-family:var(--font-mono);text-transform:uppercase;letter-spacing:0.06em;color:var(--gold-dim);}
  input,select{
    width:100%;background:rgba(243,237,225,0.06);border:1px solid rgba(243,237,225,0.25);
    color:var(--limestone);padding:12px 14px;border-radius:3px;font-family:var(--font-body);font-size:15px;
  }
  input::placeholder{color:rgba(243,237,225,0.4);}
  input:focus,select:focus{outline:none;border-color:var(--gold);}
  select option{color:var(--ink);}
  .form-row{display:flex;flex-direction:column;gap:6px;}
  .btn-submit{margin-top:6px;justify-content:center;background:var(--gold);color:var(--ink);border:none;padding:13px;}
  .btn-submit:hover{background:#DBB259;}
  .form-fine{font-size:12px;color:rgba(243,237,225,0.55);margin-top:2px;}
  .form-success{display:none;text-align:center;padding:30px 10px;}
  .form-success.show{display:block;}
  .form-success svg{width:32px;height:32px;color:var(--gold);margin:0 auto 14px;}
  .form-success p{font-size:15px;color:rgba(243,237,225,0.85);margin:0;}

  footer{padding:44px 0 60px;border-top:1px solid var(--line);}
  .footer-grid{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;}
  .footer-note{font-size:12px;color:var(--ink-soft);max-width:56ch;line-height:1.6;}
  .footer-logo{font-family:var(--font-display);font-size:18px;}

  /* ---------- disclaimer banner ---------- */
  .disclaimer-section{padding:0 0 72px;}
  .disclaimer-box{
    background:var(--limestone-dim);border:1px solid var(--line);border-left:3px solid var(--clay);
    border-radius:3px;padding:26px 30px;
  }
  .disclaimer-box h3{
    font-family:var(--font-mono);font-size:12px;letter-spacing:0.08em;text-transform:uppercase;
    color:var(--clay-dark);margin:0 0 10px;
  }
  .disclaimer-box p{font-size:14px;color:var(--ink-soft);margin:0;max-width:74ch;line-height:1.65;}

  /* ---------- footer contact ---------- */
  .footer-grid{align-items:flex-start;}
  .footer-col{max-width:360px;}
  .footer-contact{margin:14px 0 0;font-size:13px;color:var(--ink-soft);line-height:1.9;}
  .footer-contact a{color:var(--sea);text-decoration:none;}
  .footer-contact a:hover{text-decoration:underline;}
  .footer-links{display:flex;gap:20px;margin-top:16px;}
  .footer-links a{font-size:13px;color:var(--ink-soft);text-decoration:none;}
  .footer-links a:hover{color:var(--ink);text-decoration:underline;}

  /* ---------- legal pages ---------- */
  .legal-main{padding:64px 0 96px;}
  .legal-header{max-width:720px;margin:0 0 48px;}
  .legal-updated{
    font-family:var(--font-mono);font-size:12px;letter-spacing:0.06em;text-transform:uppercase;
    color:var(--sage);margin:0 0 14px;
  }
  .legal-body{max-width:720px;}
  .legal-body h2{font-size:22px;margin:44px 0 14px;}
  .legal-body h2:first-child{margin-top:0;}
  .legal-body p{color:var(--ink-soft);font-size:15px;margin:0 0 14px;}
  .legal-body ul{color:var(--ink-soft);font-size:15px;padding-left:20px;margin:0 0 14px;}
  .legal-body li{margin-bottom:8px;}
  .legal-body strong{color:var(--ink);}
  .back-link{
    display:inline-flex;align-items:center;gap:6px;font-size:14px;color:var(--sea);
    text-decoration:none;margin-bottom:32px;
  }
  .back-link:hover{text-decoration:underline;}

  /* ---------- credential badge ---------- */
  .credential-head{
    display:flex;justify-content:space-between;align-items:flex-end;gap:32px;max-width:none;
    flex-wrap:wrap;
  }
  .credential-head > div:first-child{max-width:640px;}
  .credential-badge{
    display:flex;align-items:center;gap:14px;background:var(--paper);
    border:1px solid var(--line);border-radius:4px;padding:12px 20px 12px 12px;flex-shrink:0;
  }
  .credential-badge img{width:64px;height:64px;flex-shrink:0;}
  .credential-title{font-family:var(--font-display);font-size:15px;margin:0;color:var(--ink);line-height:1.3;}
  .credential-sub{font-family:var(--font-mono);font-size:11px;letter-spacing:0.06em;text-transform:uppercase;color:var(--sage);margin:4px 0 0;}
  @media(max-width:700px){.credential-head{align-items:flex-start;}}