:root{
  --sf-50:#FFF8F0;--sf-100:#FFECD4;--sf-200:#FFD4A0;--sf-400:#FF9D2F;--sf-500:#F47B00;--sf-600:#D46800;--sf-700:#A85200;--sf-glow:rgba(244,123,0,.35);
  --pc-900:#FFF0E8;--pc-800:#FFE8DC;--pc-700:#FFD9C8;--pc-600:#F5C4AC;--pc-400:#D4956A;--pc-200:#A86840;--pc-100:#7A4420;
  --gd-500:#C9A227;--gd-400:#E8BD3A;--gd-300:#F5D060;--gd-200:#FAEAA8;
  --gr-500:#138808;--gr-400:#1DAD10;--gr-300:#1A7A1A;
  --wh:#1A0800;--muted:rgba(60,25,5,.55);--faint:rgba(60,25,5,.09);
  --r-sm:6px;--r-md:12px;--r-lg:20px;--r-xl:28px;--r-pill:100px;
  --content-max:1200px;
  --shadow-card:0 4px 24px rgba(180,90,30,.12), 0 1px 4px rgba(180,90,30,.07);
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Nunito',sans-serif;background:var(--pc-900);color:var(--wh);-webkit-font-smoothing:antialiased}
p,li{font-size:15px;line-height:1.85;color:var(--muted)}
h1,h2,h3{color:var(--wh)}
.accent{background:linear-gradient(135deg,var(--sf-500),var(--gd-500));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* ── Hero ── */
.pb-hero{background:linear-gradient(160deg,var(--pc-800),var(--pc-900));border-bottom:1px solid rgba(244,123,0,.15);padding:76px 5% 64px;position:relative;overflow:hidden}
.pb-hero::before{content:'';position:absolute;top:-100px;right:-80px;width:480px;height:480px;background:radial-gradient(ellipse,rgba(244,123,0,.14),transparent 70%);pointer-events:none}
.pb-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--sf-500),var(--gd-500),var(--sf-500),transparent)}
.pb-hero-inner{max-width:var(--content-max);margin:0 auto;position:relative;z-index:1;text-align:center}
.ptag{display:inline-flex;align-items:center;gap:8px;background:rgba(244,123,0,.1);border:1px solid rgba(244,123,0,.28);border-radius:var(--r-pill);padding:6px 18px;font-size:11px;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:var(--sf-600);margin-bottom:18px}
.pb-h1{font-family:'Cinzel',serif;font-size:clamp(28px,4.4vw,52px);font-weight:700;color:var(--wh);margin-bottom:16px;line-height:1.18;max-width:780px;margin-left:auto;margin-right:auto}
.pb-sub{font-size:16px;color:var(--muted);max-width:620px;margin:0 auto 30px;line-height:1.8}
.pb-hero-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:44px}
.btn-p{background:linear-gradient(135deg,var(--sf-500),var(--sf-700));color:#fff;padding:14px 30px;border-radius:var(--r-md);font-size:15px;font-weight:800;text-decoration:none;display:inline-flex;align-items:center;gap:8px;box-shadow:0 8px 24px var(--sf-glow);border:none;cursor:pointer;min-height:48px;box-sizing:border-box;transition:transform .2s,box-shadow .2s}
.btn-p:hover{transform:translateY(-2px);box-shadow:0 14px 34px var(--sf-glow)}
.btn-s{background:#fff;border:1.5px solid rgba(122,68,32,.2);color:var(--wh);padding:14px 30px;border-radius:var(--r-md);font-size:15px;font-weight:800;text-decoration:none;display:inline-flex;align-items:center;gap:8px;min-height:48px;box-sizing:border-box;transition:all .2s}
.btn-s:hover{border-color:var(--sf-500);color:var(--sf-600)}
.pb-stats{display:flex;justify-content:center;gap:0;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--pc-600);border-radius:var(--r-xl);box-shadow:var(--shadow-card);overflow:hidden}
.pb-stat{flex:1;padding:22px 12px;text-align:center;border-right:1px solid var(--pc-700)}
.pb-stat:last-child{border-right:none}
.pb-stat-num{font-family:'Cinzel',serif;font-size:26px;font-weight:700;color:var(--sf-600);display:block}
.pb-stat-lbl{font-size:10.5px;color:var(--pc-200);text-transform:uppercase;letter-spacing:1px;margin-top:4px;display:block;font-weight:700}

/* ── Generic section ── */
section{padding:64px 5%}
.sec-inner{max-width:var(--content-max);margin:0 auto}
.sec-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(244,123,0,.1);border:1px solid rgba(244,123,0,.22);border-radius:var(--r-pill);padding:5px 16px;font-size:10.5px;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:var(--sf-600);margin-bottom:14px}
.sec-title{font-family:'Cinzel',serif;font-size:clamp(22px,3vw,36px);font-weight:700;color:var(--wh);margin-bottom:12px}
.sec-sub{font-size:15px;color:var(--muted);max-width:600px;line-height:1.85;margin-bottom:40px}
.alt-bg{background:var(--pc-800)}

/* ── Benefit / partner-type cards ── */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card-grid.g4{grid-template-columns:repeat(4,1fr)}
.pcard{background:#fff;border:1px solid var(--pc-600);border-radius:var(--r-lg);padding:28px 24px;box-shadow:var(--shadow-card);transition:transform .25s,box-shadow .25s}
.pcard:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(180,90,30,.16)}
.pcard-icon{font-size:32px;margin-bottom:14px;display:block}
.pcard-title{font-family:'Cinzel',serif;font-size:16px;color:var(--wh);margin-bottom:8px;font-weight:700}
.pcard-text{font-size:13.5px;color:var(--muted);line-height:1.75}

/* ── How it works ── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
.step{position:relative;padding-top:8px}
.step-num{font-family:'Cinzel',serif;font-size:38px;font-weight:900;color:var(--sf-200);line-height:1;margin-bottom:10px}
.step-title{font-family:'Cinzel',serif;font-size:15px;font-weight:700;color:var(--wh);margin-bottom:8px}
.step-text{font-size:13.5px;color:var(--muted);line-height:1.7}

/* ── Inquiry form ── */
.form-wrap{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--pc-600);border-radius:var(--r-xl);box-shadow:var(--shadow-card);padding:40px}
.form-row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.f-field{margin-bottom:16px}
.f-field label{display:block;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--pc-200);margin-bottom:6px}
.f-field input,.f-field select,.f-field textarea{width:100%;min-height:48px;border:1.5px solid var(--pc-600);border-radius:var(--r-md);padding:0 14px;font-size:15px;font-family:'Nunito',sans-serif;color:var(--wh);background:var(--pc-900);outline:none;transition:.2s;box-sizing:border-box}
.f-field textarea{min-height:100px;padding:12px 14px;resize:vertical}
.f-field input:focus,.f-field select:focus,.f-field textarea:focus{border-color:var(--sf-500);box-shadow:0 0 0 3px rgba(244,123,0,.1)}
.form-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.form-note{font-size:12.5px;color:var(--pc-200);margin-top:14px;line-height:1.6}

/* ── FAQ ── */
.pfaq{border:1px solid var(--pc-600);border-radius:var(--r-md);margin-bottom:10px;background:#fff;overflow:hidden;cursor:pointer}
.pfaq-q{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;font-weight:800;font-size:14.5px;color:var(--wh)}
.pfaq-ic{font-size:18px;color:var(--sf-500);flex-shrink:0;margin-left:12px}
.pfaq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.pfaq-a p{padding:0 20px 16px;font-size:13.5px}
.pfaq.open .pfaq-a{max-height:200px}

/* ── Terms & Conditions ── */
.tc-wrap{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--pc-600);border-radius:var(--r-xl);box-shadow:var(--shadow-card);padding:44px 44px 36px}
.tc-updated{font-size:12.5px;color:var(--pc-200);margin-bottom:28px;font-weight:700}
.tc-wrap h3{font-family:'Cinzel',serif;font-size:16px;margin:26px 0 10px;color:var(--wh)}
.tc-wrap h3:first-of-type{margin-top:0}
.tc-wrap p{font-size:14px;margin-bottom:10px}
.tc-wrap ul{margin:0 0 10px 20px}
.tc-wrap li{font-size:14px;margin-bottom:6px}
.tc-disclaimer{margin-top:28px;padding:16px 18px;background:var(--pc-900);border:1px solid var(--pc-600);border-radius:var(--r-md);font-size:12.5px;color:var(--pc-200);line-height:1.7}

@media (max-width:960px){
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .card-grid.g4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .pb-stats{flex-wrap:wrap}
  .pb-stat{flex:1 1 50%;border-right:none;border-bottom:1px solid var(--pc-700)}
  .form-wrap,.tc-wrap{padding:28px 22px}
}
@media (max-width:620px){
  .card-grid,.card-grid.g4{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .form-row2{grid-template-columns:1fr}
  .pb-hero-btns .btn-p,.pb-hero-btns .btn-s{width:100%;justify-content:center}
}