:root {
  --bg: #FEFEFD;
  --ink: #16202A;
  --muted: #52616F;
  --line: #E5E0D6;
  --blue: #2F7F96;
  --blue-dark: #1F6379;
  --red: #B93232;
  --orange: #E87822;
  --yellow: #FFD85A;
  --soft: #F6F0E6;
  --max: 1160px;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background:
    radial-gradient(circle at 12% 2%, rgba(255,216,90,.28), transparent 28rem),
    radial-gradient(circle at 88% 0%, rgba(47,127,150,.20), transparent 30rem),
    var(--bg);
  line-height: 1.5;
}
a { color: inherit; }
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 clamp(20px, 4vw, 42px); }
.topbar { position: sticky; top: 0; z-index: 10; background: rgba(254,254,253,.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.topbar__inner { min-height: 62px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 900; letter-spacing: -.02em; }
.brand__mark { width: 16px; height: 16px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 5px rgba(47,127,150,.15); }
.topbar p { margin: 0; color: var(--muted); font-size: 14px; }
.hero { padding: clamp(48px, 8vw, 92px) 0 42px; }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(280px, .75fr); gap: clamp(24px, 5vw, 68px); align-items: center; }
.eyebrow, .section-kicker, .scenario__label { margin: 0 0 12px; color: var(--blue-dark); font-size: 13px; text-transform: uppercase; letter-spacing: .12em; font-weight: 900; }
h1, h2, h3, p { margin-top: 0; }
h1 { font-size: clamp(42px, 7vw, 82px); line-height: .96; letter-spacing: -.055em; max-width: 12ch; margin-bottom: 24px; }
h1 strong { color: var(--red); }
.hero__lead { font-size: clamp(18px, 2vw, 23px); max-width: 650px; color: #24313D; margin-bottom: 0; }
.money-card { background: var(--ink); color: white; padding: clamp(26px, 4vw, 38px); border-radius: 30px; box-shadow: 0 28px 80px -36px rgba(22,32,42,.55); border: 1px solid rgba(255,255,255,.12); }
.money-card__label { color: rgba(255,255,255,.7); margin-bottom: 8px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; font-size: 12px; }
.money-card__value { font-size: clamp(42px, 5vw, 66px); line-height: .92; font-weight: 950; letter-spacing: -.055em; margin-bottom: 16px; color: var(--yellow); }
.money-card__sub { color: rgba(255,255,255,.78); margin-bottom: 0; font-size: 17px; }
.proof-strip { padding: 0 0 44px; }
.strip-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px; }
.strip-grid div { background: white; border: 1px solid var(--line); border-radius: 20px; padding: 18px; box-shadow: 0 10px 34px -28px rgba(22,32,42,.35); }
.strip-grid strong { display: block; font-size: 24px; line-height: 1.1; color: var(--ink); margin-bottom: 7px; }
.strip-grid span { color: var(--muted); font-size: 14px; }
.section { padding: clamp(54px, 8vw, 92px) 0; }
.section--soft { background: linear-gradient(180deg, rgba(246,240,230,.78), rgba(255,255,255,.8)); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.narrow { max-width: 920px; }
h2 { font-size: clamp(32px, 4.6vw, 58px); line-height: 1; letter-spacing: -.045em; margin-bottom: 16px; max-width: 13ch; }
.intro { color: #2F3D4A; font-size: 19px; max-width: 720px; margin-bottom: 30px; }
.problem-list { display: grid; gap: 16px; }
.problem { display: grid; grid-template-columns: 58px minmax(0, 1fr); gap: 18px; border-radius: 26px; padding: clamp(20px, 3vw, 30px); color: white; box-shadow: 0 18px 54px -36px rgba(22,32,42,.55); }
.problem h3 { font-size: clamp(24px, 3vw, 34px); line-height: 1.05; letter-spacing: -.035em; margin-bottom: 10px; }
.problem p { margin-bottom: 8px; font-size: 17px; color: rgba(255,255,255,.88); }
.problem .impact { margin-bottom: 0; color: white; font-weight: 900; }
.problem__rank { width: 46px; height: 46px; border-radius: 16px; display: grid; place-items: center; background: rgba(255,255,255,.18); font-size: 24px; font-weight: 950; }
.problem--red { background: linear-gradient(135deg, #B93232, #7A1F2A); }
.problem--orange { background: linear-gradient(135deg, #E87822, #9D3D12); }
.problem--blue { background: linear-gradient(135deg, #2F7F96, #174B66); }
.problem--dark { background: linear-gradient(135deg, #16202A, #303A45); }
.calc-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(300px, 430px); gap: clamp(24px, 5vw, 60px); align-items: start; }
.calc-card { background: white; border: 1px solid var(--line); border-radius: 28px; padding: 14px; box-shadow: 0 18px 56px -36px rgba(22,32,42,.35); }
.calc-row { display: flex; justify-content: space-between; gap: 16px; padding: 16px; border-bottom: 1px solid var(--line); color: var(--muted); }
.calc-row:last-child { border-bottom: 0; }
.calc-row strong { color: var(--ink); white-space: nowrap; }
.calc-row--strong { background: #FFF5C9; border-radius: 18px; color: var(--ink); font-weight: 900; }
.scenario-grid { margin-top: 30px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.scenario { border: 1px solid var(--line); border-radius: 26px; padding: 24px; background: white; }
.scenario--focus { background: var(--ink); color: white; transform: translateY(-8px); }
.scenario strong { display: block; font-size: clamp(32px, 4vw, 48px); line-height: .95; letter-spacing: -.04em; margin-bottom: 12px; }
.scenario span { color: var(--muted); }
.scenario--focus span, .scenario--focus .scenario__label { color: rgba(255,255,255,.75); }
.scenario--focus strong { color: var(--yellow); }
.section--ink { background: var(--ink); color: white; }
.section--ink h2 { max-width: 14ch; }
.section--ink .section-kicker { color: var(--yellow); }
.fix-list { display: grid; gap: 12px; }
.fix-list p { margin: 0; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; padding: 18px; color: rgba(255,255,255,.84); }
.fix-list strong { color: white; }
.cta-section { background: linear-gradient(135deg, #F9F5EA, #FFFFFF); }
.cta-box { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: center; }
.cta-box h2 { max-width: 14ch; }
.cta-box p { color: #2F3D4A; font-size: 18px; max-width: 680px; margin-bottom: 0; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 58px; padding: 16px 24px; background: var(--blue); color: white; text-decoration: none; border-radius: 999px; font-weight: 900; box-shadow: 0 18px 38px -24px rgba(31,99,121,.6); white-space: nowrap; }
.disclaimer { padding-top: 38px; background: #F7F7F4; color: var(--muted); }
.disclaimer h2 { font-size: 28px; letter-spacing: -.02em; color: var(--ink); }
.disclaimer ul { margin: 0; padding-left: 20px; }
.disclaimer li { margin-bottom: 8px; }
.footer { background: var(--ink); color: rgba(255,255,255,.7); padding: 24px 0; }
.footer__inner { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer__inner span:first-child { color: white; font-weight: 900; }
@media (max-width: 860px) {
  .hero__grid, .calc-grid, .cta-box { grid-template-columns: 1fr; }
  .strip-grid, .scenario-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cta-box .button { justify-self: start; }
}
@media (max-width: 560px) {
  .topbar__inner { align-items: flex-start; flex-direction: column; padding-top: 12px; padding-bottom: 12px; }
  .hero { padding-top: 34px; }
  h1 { font-size: clamp(38px, 13vw, 54px); }
  h2 { font-size: clamp(32px, 11vw, 44px); }
  .money-card { border-radius: 24px; }
  .strip-grid, .scenario-grid { grid-template-columns: 1fr; }
  .problem { grid-template-columns: 1fr; border-radius: 22px; }
  .scenario--focus { transform: none; }
  .calc-row { flex-direction: column; gap: 4px; }
  .button { width: 100%; white-space: normal; text-align: center; }
}