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

:root {
  --black: #111827;
  --teal: #0D9488;
  --teal-dark: #0F766E;
  --gold: #D4AF37;
  --gold-dark: #B8860B;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-500: #64748B;
  --gray-700: #334155;
  --gray-900: #0F172A;
  --white: #ffffff;
}

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--gray-700);
  line-height: 1.6;
  background: var(--white);
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ── NAV ── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
}
.nav-inner {
  max-width: 1100px; margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.1rem; color: var(--black); }
.nav-logo img { height: 38px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { font-size: 0.9rem; font-weight: 500; color: var(--gray-500); transition: color 0.2s; }
.nav-links a:hover { color: var(--black); }
.nav-cta {
  background: var(--teal); color: var(--white);
  padding: 8px 20px; border-radius: 8px;
  font-weight: 600; font-size: 0.875rem;
  transition: background 0.2s;
}
.nav-cta:hover { background: var(--teal-dark); }

/* ── HERO ── */
.hero {
  padding: 140px 24px 100px;
  text-align: center;
  background: linear-gradient(160deg, #111827 0%, #0d9488 60%, #111827 100%);
  color: var(--white);
}
.hero-tag {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.8rem; font-weight: 600;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.03em;
  margin-bottom: 28px;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}
.hero h1 span { color: var(--gold); }
.hero-sub {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,0.65);
  max-width: 600px;
  margin: 0 auto 40px;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-primary {
  background: var(--teal);
  color: var(--white);
  padding: 14px 32px;
  border-radius: 10px;
  font-weight: 700; font-size: 1rem;
  transition: transform 0.15s, box-shadow 0.15s;
  display: inline-block;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(13,148,136,0.4); }
.btn-secondary {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.25);
  color: var(--white);
  padding: 14px 32px;
  border-radius: 10px;
  font-weight: 600; font-size: 1rem;
  transition: background 0.2s;
  display: inline-block;
}
.btn-secondary:hover { background: rgba(255,255,255,0.18); }
.hero-note { margin-top: 20px; font-size: 0.8rem; color: rgba(255,255,255,0.4); }

/* ── STATS ── */
.stats { background: var(--white); padding: 60px 24px; }
.stats-inner {
  max-width: 900px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 40px; text-align: center;
}
.stat-num { font-size: 2.4rem; font-weight: 800; color: var(--black); letter-spacing: -0.03em; }
.stat-label { font-size: 0.875rem; color: var(--gray-500); margin-top: 4px; font-weight: 500; }

/* ── SERVICES ── */
.services { padding: 80px 24px; background: var(--white); }
.services-header { text-align: center; margin-bottom: 52px; }
.services-header .section-label { color: var(--teal); }
.services-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.service-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 32px 28px 28px;
  display: flex; flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--gold) 100%);
  opacity: 0;
  transition: opacity 0.2s;
}
.service-card:hover {
  box-shadow: 0 10px 36px rgba(13,148,136,0.1);
  transform: translateY(-3px);
  border-color: var(--teal);
}
.service-card:hover::before { opacity: 1; }
.service-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  font-size: 1.3rem;
}
.service-card h3 {
  font-size: 1.05rem; font-weight: 700;
  color: var(--black); margin-bottom: 10px;
  line-height: 1.3;
}
.service-card p {
  font-size: 0.875rem; color: var(--gray-500); line-height: 1.65;
  flex: 1; margin-bottom: 24px;
}
.service-card .btn-ghost {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--teal); font-weight: 600; font-size: 0.875rem;
  transition: gap 0.2s;
}
.service-card .btn-ghost:hover { gap: 10px; color: var(--teal-dark); }
.service-card .btn-ghost svg { flex-shrink: 0; }

/* ── BENEFITS ── */
.benefits { padding: 80px 24px; background: var(--white); }
.benefits-header { text-align: center; margin-bottom: 52px; }
.benefits-header .section-label { color: var(--teal); }
.benefits-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.benefit-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 32px 28px;
  display: flex; flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative; overflow: hidden;
}
.benefit-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--gold) 100%);
  opacity: 0;
  transition: opacity 0.2s;
}
.benefit-card:hover {
  box-shadow: 0 10px 36px rgba(13,148,136,0.1);
  transform: translateY(-3px);
  border-color: var(--teal);
}
.benefit-card:hover::before { opacity: 1; }
.benefit-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  font-size: 1.3rem;
}
.benefit-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--black); margin-bottom: 10px; }
.benefit-card p { font-size: 0.875rem; color: var(--gray-500); line-height: 1.65; }
.benefits-cta-row {
  max-width: 1100px; margin: 48px auto 0;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  flex-wrap: wrap;
}
.benefits-value-props { display: flex; gap: 32px; flex-wrap: wrap; }
.value-prop {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.9rem; color: var(--gray-700);
}
.value-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 22px; height: 22px;
  background: var(--teal); color: var(--white);
  border-radius: 50%;
  font-size: 0.7rem; font-weight: 700;
  flex-shrink: 0;
}
.benefits-legal {
  text-align: center;
  margin-top: 40px;
  font-size: 0.72rem;
  color: var(--gray-300);
  max-width: 1100px; margin-left: auto; margin-right: auto;
}

/* ── FEATURES ── */
.features { padding: 80px 24px; background: var(--gray-50); }
.section-label {
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 12px;
}
.section-title {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 800; color: var(--black);
  letter-spacing: -0.02em; line-height: 1.2;
  margin-bottom: 12px;
}
.section-sub { font-size: 1.05rem; color: var(--gray-500); max-width: 560px; line-height: 1.7; }
.features-header { text-align: center; margin-bottom: 60px; }
.features-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 32px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.feature-card:hover { box-shadow: 0 12px 40px rgba(0,0,0,0.08); transform: translateY(-2px); }
.feature-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--gold) 100%);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  font-size: 1.3rem;
}
.feature-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--black); margin-bottom: 10px; }
.feature-card p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.65; }

/* ── CTA ── */
.cta-section {
  padding: 80px 24px;
  background: var(--black);
  text-align: center;
  color: var(--white);
}
.cta-section h2 {
  font-size: clamp(1.5rem, 3vw, 2.4rem);
  font-weight: 800; letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.cta-section p { color: rgba(255,255,255,0.6); font-size: 1.05rem; margin-bottom: 36px; }

/* ── FOOTER ── */
.footer {
  background: var(--gray-900);
  padding: 36px 24px;
  text-align: center;
  color: rgba(255,255,255,0.35);
  font-size: 0.8rem;
}
.footer a { color: rgba(255,255,255,0.5); }
.footer a:hover { color: var(--white); }

@media (max-width: 768px) {
  .nav-links { display: none; }
  .features-grid { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: 1fr; gap: 24px; }
  .hero { padding: 120px 24px 70px; }
}