:root{
  --navy-900:#0A1622; --navy-850:#0d1b29; --navy-800:#0F1E2E; --navy-700:#162939;
  --gold:#C9A84A; --gold-soft:#D9BE6E; --cream:#F3EEDF; --ink:#DDD8CA;
  --muted:#8A95A3; --line:rgba(201,168,74,.22); --line2:rgba(255,255,255,.07);
  --green:#4CAF7D; --red:#d9694e;
  --serif:'Cormorant Garamond',Georgia,serif; --sans:'Outfit',system-ui,sans-serif;
  --maxw:1140px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{background:var(--navy-900);color:var(--ink);font-family:var(--sans);font-weight:300;line-height:1.6;
  background-image:radial-gradient(120% 60% at 50% -10%,rgba(201,168,74,.08),transparent 60%);min-height:100vh}
a{color:var(--gold-soft);text-decoration:none}
a:hover{color:var(--gold)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--cream);font-weight:500;line-height:1.15;margin:0 0 .4em}
h1{font-size:clamp(2rem,5vw,3.2rem)}
h2{font-size:clamp(1.5rem,3vw,2.2rem)}
.eyebrow{font-family:var(--sans);font-size:.72rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);font-weight:500}

/* NAV */
.pnav{position:sticky;top:0;z-index:50;background:rgba(10,22,34,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.pnav-in{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:16px 24px}
.brand{display:flex;align-items:baseline;gap:8px}
.brand-mark{font-family:var(--sans);font-weight:600;font-size:1.5rem;letter-spacing:.12em;color:var(--gold)}
.brand-sub{font-family:var(--serif);font-style:italic;color:var(--cream);font-size:1.1rem}
.pnav-links{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.pnav-links a{font-family:var(--sans);font-size:.86rem;font-weight:300;letter-spacing:.02em}
.btn-gold{background:var(--gold);color:var(--navy-900)!important;padding:10px 20px;border-radius:3px;font-weight:600;letter-spacing:.04em;font-size:.82rem!important;transition:all .3s}
.btn-gold:hover{background:var(--gold-soft)}
.btn-ghost{border:1px solid var(--line);padding:9px 18px;border-radius:3px}

/* MAIN */
.pmain{max-width:var(--maxw);margin:0 auto;padding:40px 24px 70px}
.wrap-narrow{max-width:520px;margin:0 auto}

/* FLASH */
.flash{max-width:var(--maxw);margin:18px auto 0;padding:14px 20px;border-radius:4px;font-size:.92rem}
.flash-info{background:rgba(201,168,74,.12);border:1px solid var(--line);color:var(--cream)}
.flash-success{background:rgba(76,175,125,.14);border:1px solid rgba(76,175,125,.4);color:#cfeede}
.flash-error{background:rgba(217,105,78,.14);border:1px solid rgba(217,105,78,.45);color:#f3d4cc}

/* HERO */
.hero{text-align:center;padding:50px 0 40px}
.hero p.lead{font-size:1.2rem;color:var(--ink);max-width:60ch;margin:14px auto 0;font-weight:300}
.hero .cta-row{margin-top:34px;display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.btn-lg{padding:16px 38px;font-size:.9rem;letter-spacing:.06em}

/* CARDS / GRID */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:860px){.grid-3,.grid-4,.grid-2{grid-template-columns:1fr}}
.card{background:linear-gradient(180deg,var(--navy-800),var(--navy-850));border:1px solid var(--line);border-radius:8px;padding:28px 26px}
.card.feat{border-color:var(--gold);box-shadow:0 30px 60px -30px rgba(201,168,74,.35)}
.card h3{font-size:1.4rem}
.card .ico{font-size:1.8rem;margin-bottom:10px}

/* STAT TILES */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:8px 0 30px}
@media(max-width:860px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat{background:linear-gradient(180deg,var(--navy-800),var(--navy-850));border:1px solid var(--line);border-radius:8px;padding:22px 20px}
.stat .v{font-family:var(--serif);font-size:2.1rem;color:var(--gold);line-height:1}
.stat .l{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:6px}
.stat.big .v{color:var(--cream)}

/* FORMS */
.formcard{background:linear-gradient(180deg,var(--navy-800),var(--navy-850));border:1px solid var(--line);border-radius:10px;padding:38px 34px;box-shadow:0 30px 70px -30px rgba(0,0,0,.7)}
.field{margin-bottom:18px}
.field label{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;background:rgba(10,22,34,.6);border:1px solid var(--line);border-radius:4px;padding:13px 15px;color:var(--cream);font-family:var(--sans);font-size:1rem;font-weight:300}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold)}
.btn-submit{width:100%;background:var(--gold);color:var(--navy-900);border:none;border-radius:4px;padding:15px;font-family:var(--sans);font-size:.84rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600;cursor:pointer;transition:all .3s}
.btn-submit:hover{background:var(--gold-soft)}
.muted{color:var(--muted)}
.center{text-align:center}

/* LINK BOX */
.linkbox{display:flex;gap:10px;align-items:stretch;flex-wrap:wrap}
.linkbox input{flex:1;min-width:240px;background:rgba(10,22,34,.7);border:1px solid var(--line);border-radius:4px;padding:13px 15px;color:var(--gold-soft);font-family:monospace;font-size:.9rem}
.btn-copy{background:var(--gold);color:var(--navy-900);border:none;border-radius:4px;padding:0 22px;font-weight:600;cursor:pointer;font-family:var(--sans);letter-spacing:.05em;font-size:.82rem}
.btn-copy:hover{background:var(--gold-soft)}

/* TABLE */
.tbl{width:100%;border-collapse:collapse;margin-top:14px;font-size:.9rem}
.tbl th{text-align:left;font-family:var(--sans);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);padding:12px 14px;border-bottom:1px solid var(--line)}
.tbl td{padding:13px 14px;border-bottom:1px solid var(--line2);color:var(--ink)}
.tbl tr:hover td{background:rgba(255,255,255,.02)}
.badge{display:inline-block;padding:3px 10px;border-radius:20px;font-size:.72rem;letter-spacing:.06em}
.badge.ok{background:rgba(76,175,125,.18);color:#9fe0bd}
.badge.pend{background:rgba(201,168,74,.18);color:var(--gold-soft)}
.badge.paid{background:rgba(120,150,255,.16);color:#b9c8ff}
.badge.ref{background:rgba(217,105,78,.18);color:#f0bdb0}

/* SECTION */
.section{margin:48px 0}
.section-head{text-align:center;margin-bottom:30px}
.divider{height:1px;background:var(--line);margin:40px 0}

/* MARKETING ASSETS */
.asset{background:var(--navy-800);border:1px solid var(--line);border-radius:8px;padding:22px;margin-bottom:18px}
.asset textarea{width:100%;min-height:120px;background:rgba(10,22,34,.6);border:1px solid var(--line);border-radius:4px;color:var(--ink);padding:14px;font-family:var(--sans);font-size:.92rem;line-height:1.6;resize:vertical}
.copyline{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}

/* FOOTER */
.pfoot{border-top:1px solid var(--line);margin-top:50px;padding:34px 24px}
.pfoot-in{max-width:var(--maxw);margin:0 auto;text-align:center;font-size:.82rem;color:var(--muted)}
.pfoot-legal{max-width:80ch;margin:10px auto;font-size:.76rem;line-height:1.6}

/* steps */
.steps-num{counter-reset:s;list-style:none;padding:0;max-width:720px;margin:0 auto}
.steps-num li{counter-increment:s;position:relative;padding:18px 0 18px 64px;border-bottom:1px solid var(--line2)}
.steps-num li:before{content:counter(s);position:absolute;left:0;top:16px;width:42px;height:42px;border:1px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.3rem;color:var(--gold)}
.steps-num li b{color:var(--cream);font-weight:500;display:block;margin-bottom:3px;font-size:1.05rem}
.pill{display:inline-block;background:rgba(201,168,74,.12);border:1px solid var(--line);border-radius:20px;padding:5px 14px;font-size:.78rem;color:var(--gold-soft);margin:3px}