:root {
    --gold: #C9A84C;
    --gold-light: #E8C96A;
    --dark: #0D0D0D;
    --dark2: #141414;
    --dark3: #1C1C1C;
    --cream: #F5F0E8;
    --text: #E8E0D0;
    --muted: #7A7570;
    --success: #4CAF7D;
  }

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

  html { scroll-behavior: smooth; }

  body {
    background: var(--dark);
    color: var(--text);
    font-family: 'DM Sans', sans-serif;
    overflow-x: hidden;
  }

  /* HERO */
  .hero {
    min-height: 100vh;
    background: linear-gradient(135deg, #0D0D0D 0%, #1a1208 50%, #0D0D0D 100%);
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
    padding: 40px 20px;
    position: relative;
    overflow: hidden;
  }

  .hero::before {
    content: '';
    position: absolute;
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
    top: -100px; left: -100px;
    animation: pulse 6s ease-in-out infinite;
  }

  .hero::after {
    content: '';
    position: absolute;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
    bottom: -80px; right: -80px;
    animation: pulse 8s ease-in-out infinite reverse;
  }

  @keyframes pulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.2); opacity: 0.7; }
  }

  .badge {
    display: inline-block;
    background: rgba(201,168,76,0.15);
    border: 1px solid rgba(201,168,76,0.4);
    color: var(--gold);
    padding: 8px 20px;
    border-radius: 100px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 30px;
    animation: fadeDown 0.8s ease both;
  }

  @keyframes fadeDown {
    from { opacity: 0; transform: translateY(-20px); }
    to { opacity: 1; transform: translateY(0); }
  }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
  }

  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.8rem, 7vw, 5.5rem);
    font-weight: 900;
    line-height: 1.05;
    max-width: 800px;
    animation: fadeDown 0.8s 0.2s ease both;
  }

  .hero h1 span { color: var(--gold); }

  .hero p {
    font-size: clamp(1rem, 2vw, 1.2rem);
    color: var(--muted);
    max-width: 520px;
    margin: 24px auto 0;
    line-height: 1.7;
    font-weight: 300;
    animation: fadeUp 0.8s 0.4s ease both;
  }

  .pills {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 40px;
    animation: fadeUp 0.8s 0.6s ease both;
  }

  .pill {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    padding: 10px 22px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 500;
    display: flex;
    align-items: center;
    gap: 8px;
  }

  .pill .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }

  .scroll-cta {
    margin-top: 60px;
    animation: fadeUp 0.8s 0.8s ease both;
  }

  .btn-gold {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--dark);
    border: none;
    padding: 16px 40px;
    border-radius: 100px;
    font-family: 'DM Sans', sans-serif;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
  }

  .btn-gold:hover { transform: translateY(-2px); box-shadow: 0 15px 40px rgba(201,168,76,0.3); }

  /* BENEFITS */
  .benefits {
    padding: 80px 20px;
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
  }

  .benefit-card {
    background: var(--dark3);
    border: 1px solid rgba(255,255,255,0.05);
    border-radius: 16px;
    padding: 30px 24px;
    transition: all 0.3s ease;
  }

  .benefit-card:hover {
    border-color: rgba(201,168,76,0.3);
    transform: translateY(-4px);
    box-shadow: 0 20px 50px rgba(0,0,0,0.4);
  }

  .benefit-icon {
    font-size: 32px;
    margin-bottom: 16px;
  }

  .benefit-card h3 {
    font-size: 16px;
    font-weight: 600;
    color: var(--cream);
    margin-bottom: 8px;
  }

  .benefit-card p {
    font-size: 13px;
    color: var(--muted);
    line-height: 1.6;
  }

  /* SIMULATOR SECTION */
  .simulator-section {
    background: var(--dark2);
    padding: 80px 20px;
    position: relative;
  }

  .simulator-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(201,168,76,0.4), transparent);
  }

  .section-label {
    text-align: center;
    color: var(--gold);
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 3px;
    text-transform: uppercase;
    margin-bottom: 12px;
  }

  .section-title {
    text-align: center;
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    margin-bottom: 16px;
  }

  .section-sub {
    text-align: center;
    color: var(--muted);
    font-size: 15px;
    margin-bottom: 56px;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
  }

  .simulator-wrap {
    max-width: 960px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    background: var(--dark3);
    border: 1px solid rgba(255,255,255,0.06);
    border-radius: 24px;
    overflow: hidden;
  }

  @media (max-width: 720px) {
    .simulator-wrap { grid-template-columns: 1fr; }
  }

  .sim-left {
    padding: 40px;
    border-right: 1px solid rgba(255,255,255,0.06);
  }

  @media (max-width: 720px) {
    .sim-left { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.06); }
  }

  .sim-right {
    padding: 40px;
    background: linear-gradient(160deg, rgba(201,168,76,0.05) 0%, transparent 60%);
    display: flex;
    flex-direction: column;
    justify-content: center;
  }

  .sim-group { margin-bottom: 22px; }

  .sim-group label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    color: var(--muted);
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 8px;
  }

  .sim-group input,
  .sim-group select {
    width: 100%;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 13px 16px;
    color: var(--text);
    font-family: 'DM Sans', sans-serif;
    font-size: 15px;
    outline: none;
    transition: all 0.2s ease;
    -webkit-appearance: none;
  }

  .sim-group select option { background: #1C1C1C; color: var(--text); }

  .sim-group input:focus,
  .sim-group select:focus {
    border-color: rgba(201,168,76,0.5);
    background: rgba(201,168,76,0.04);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.08);
  }

  .type-tabs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 22px;
  }

  .type-tab {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 13px;
    text-align: center;
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    color: var(--muted);
    transition: all 0.2s ease;
    user-select: none;
  }

  .type-tab.active {
    background: rgba(201,168,76,0.12);
    border-color: rgba(201,168,76,0.5);
    color: var(--gold);
  }

  .result-card {
    background: rgba(201,168,76,0.06);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: 16px;
    padding: 28px;
    margin-bottom: 20px;
  }

  .result-label {
    font-size: 11px;
    color: var(--gold);
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 6px;
  }

  .result-value {
    font-family: 'Playfair Display', serif;
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--cream);
  }

  .result-sub {
    font-size: 12px;
    color: var(--muted);
    margin-top: 6px;
  }

  .result-meta {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 4px;
  }

  .meta-row {
    display: flex;
    justify-content: space-between;
    font-size: 13px;
  }

  .meta-row span:first-child { color: var(--muted); }
  .meta-row span:last-child { color: var(--cream); font-weight: 500; }

  .btn-simulate {
    width: 100%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--dark);
    border: none;
    padding: 15px;
    border-radius: 100px;
    font-family: 'DM Sans', sans-serif;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s ease;
    margin-top: 8px;
  }

  .btn-simulate:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(201,168,76,0.3); }

  /* LEAD FORM */
  .lead-section {
    padding: 80px 20px;
    max-width: 680px;
    margin: 0 auto;
  }

  .lead-form {
    background: var(--dark3);
    border: 1px solid rgba(255,255,255,0.06);
    border-radius: 24px;
    padding: 48px 40px;
    position: relative;
    overflow: hidden;
  }

  @media (max-width: 500px) {
    .lead-form { padding: 32px 24px; }
  }

  .lead-form::before {
    content: '';
    position: absolute;
    top: -60px; right: -60px;
    width: 200px; height: 200px;
    background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  }

  .lead-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  @media (max-width: 500px) {
    .lead-grid { grid-template-columns: 1fr; }
  }

  .lead-grid .full { grid-column: 1 / -1; }

  .lead-group { position: relative; }

  .lead-group label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    color: var(--muted);
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 8px;
  }

  .lead-group input,
  .lead-group select {
    width: 100%;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 13px 16px;
    color: var(--text);
    font-family: 'DM Sans', sans-serif;
    font-size: 14px;
    outline: none;
    transition: all 0.2s ease;
    -webkit-appearance: none;
  }

  .lead-group select option { background: #1C1C1C; }

  .lead-group input:focus,
  .lead-group select:focus {
    border-color: rgba(201,168,76,0.5);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.08);
  }

  .lead-group input::placeholder { color: rgba(255,255,255,0.2); }

  .btn-cta {
    width: 100%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--dark);
    border: none;
    padding: 17px;
    border-radius: 100px;
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    margin-top: 8px;
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
  }

  .btn-cta:hover { transform: translateY(-2px); box-shadow: 0 15px 40px rgba(201,168,76,0.35); }

  .form-note {
    text-align: center;
    font-size: 11px;
    color: var(--muted);
    margin-top: 16px;
    line-height: 1.6;
  }

  /* SUCCESS */
  .success-msg {
    display: none;
    text-align: center;
    padding: 40px 20px;
  }

  .success-msg .check {
    font-size: 56px;
    margin-bottom: 16px;
  }

  .success-msg h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.8rem;
    color: var(--cream);
    margin-bottom: 12px;
  }

  .success-msg p { color: var(--muted); line-height: 1.6; }

  /* FOOTER */
  footer {
    border-top: 1px solid rgba(255,255,255,0.05);
    padding: 40px 20px;
    text-align: center;
    color: var(--muted);
    font-size: 12px;
  }

  footer strong { color: var(--gold); }

  /* DIVIDER */
  .divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.06), transparent);
    margin: 0 20px;
  }

  /* FLOATING BADGE */
  .float-badge {
    position: fixed;
    bottom: 24px; right: 24px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--dark);
    width: 56px; height: 56px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    cursor: pointer;
    box-shadow: 0 8px 30px rgba(201,168,76,0.4);
    z-index: 100;
    transition: all 0.3s ease;
    text-decoration: none;
  }

  .float-badge:hover { transform: scale(1.1); }

  /* RESPONSIVE */
  @media (max-width: 600px) {
    .benefits { padding: 60px 16px; }
    .sim-left, .sim-right { padding: 28px 24px; }
    .simulator-section { padding: 60px 16px; }
    .lead-section { padding: 60px 16px; }
  }

  /* number formatting helper */
  .currency { font-feature-settings: "tnum"; }