:root {
      --navy: #1a2f45;
      --navy-mid: #243a52;
      --teal: #2a9d8f;
      --teal-light: #3bbfb0;
      --gold: #e2b84a;
      --gold-light: #f0cc6a;
      --cream: #f5f0e8;
      --white: #ffffff;
      --text-muted: #9aaec5;
      --border: rgba(201,168,76,0.2);
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      background: var(--navy);
      color: var(--white);
      font-family: 'DM Sans', sans-serif;
      font-weight: 300;
      line-height: 1.7;
      overflow-x: hidden;
    }

    /* ── NAV ── */
    nav {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 100;
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 0.8rem 4rem;
      background: rgba(26,47,69,0.92);
      backdrop-filter: blur(14px);
      border-bottom: 1px solid var(--border);
    }
    .nav-logo img { height: 52px; width: auto; border-radius: 50%; }
    .nav-links { display: flex; gap: 2.5rem; list-style: none; }
    .nav-links a {
      color: var(--text-muted);
      text-decoration: none;
      font-size: 0.85rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      transition: color 0.25s;
    }
    .nav-links a:hover { color: var(--gold-light); }
    .nav-cta {
      background: transparent;
      border: 1px solid var(--gold);
      color: var(--gold) !important;
      padding: 0.5rem 1.4rem;
      border-radius: 2px;
      transition: background 0.25s, color 0.25s !important;
      cursor: pointer;
      font-family: 'DM Sans', sans-serif;
      font-size: 0.85rem;
      font-weight: 600;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      text-decoration: none !important;
    }
    .nav-cta:hover { background: var(--gold) !important; color: var(--navy) !important; }
    .nav-contact-btns { display: flex; gap: 0.75rem; position: relative; }
    .nav-dropdown { position: relative; }
    .nav-dropdown-btn {
      white-space: nowrap;
      cursor: pointer;
      color: var(--text-muted);
      text-decoration: none;
      font-size: 0.85rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      transition: color 0.25s;
    }
    .nav-dropdown-btn:hover { color: var(--gold-light); }
    .nav-dropdown-menu {
      display: none;
      position: absolute;
      top: calc(100% + 0.75rem);
      left: 50%;
      transform: translateX(-50%);
      min-width: 180px;
      background: var(--navy-mid);
      border: 1px solid var(--border);
      border-radius: 4px;
      box-shadow: 0 12px 40px rgba(0,0,0,0.5);
      z-index: 200;
    }
    .nav-dropdown-menu.show { display: block; }
    .nav-dropdown-menu a {
      display: block;
      padding: 0.8rem 1.2rem;
      color: var(--white);
      text-decoration: none;
      font-size: 0.8rem;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      transition: background 0.2s, color 0.2s;
    }
    .nav-dropdown-menu a:hover {
      background: rgba(226,184,74,0.15);
      color: var(--gold);
    }

    /* ── HAMBURGER ── */
    .hamburger {
      display: none;
      flex-direction: column;
      justify-content: center;
      gap: 5px;
      cursor: pointer;
      padding: 0.4rem;
      background: none;
      border: 1px solid rgba(255,255,255,0.15);
      border-radius: 3px;
    }
    .hamburger span {
      display: block;
      width: 22px;
      height: 2px;
      background: var(--white);
      border-radius: 2px;
      transition: all 0.25s ease;
    }
    .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .hamburger.open span:nth-child(2) { opacity: 0; }
    .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

    /* ── MOBILE MENU ── */
    .mobile-menu {
      display: none;
      position: fixed;
      top: 65px;
      left: 0; right: 0;
      background: var(--navy-mid);
      border-bottom: 1px solid var(--border);
      z-index: 99;
      padding: 1.5rem;
      flex-direction: column;
      gap: 0;
      overflow-y: auto;
      max-height: calc(100vh - 65px);
      -webkit-overflow-scrolling: touch;
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      display: block;
      padding: 0.85rem 0.5rem;
      font-size: 0.9rem;
      letter-spacing: 0.06em;
      color: var(--text-muted);
      text-decoration: none;
      border-bottom: 1px solid rgba(255,255,255,0.06);
      transition: color 0.2s;
    }
    .mobile-menu a:hover { color: var(--white); }
    .mobile-menu a.mobile-cta {
      margin-top: 1rem;
      background: var(--gold);
      color: var(--navy);
      text-align: center;
      padding: 0.85rem;
      border-radius: 2px;
      font-weight: 500;
      border-bottom: none;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      font-size: 0.82rem;
    }
    .mobile-menu a.mobile-cta:hover { background: var(--gold-light); color: var(--navy); }
    .mobile-dropdown { margin: 0.5rem 0; }
    .mobile-dropdown-header {
      color: var(--gold);
      font-size: 0.75rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      font-weight: 600;
      padding: 0.5rem 0;
      border-bottom: 1px solid var(--border);
      margin-bottom: 0.5rem;
    }
    .mobile-dropdown a {
      padding: 0.3rem 0 0.3rem 1rem;
      font-size: 0.8rem;
      opacity: 0.9;
    }

    /* ── HERO ── */
    .hero {
      min-height: 80vh;
      display: flex;
      flex-direction: column;
      justify-content: center;
      padding: 9rem 4rem 6rem;
      position: relative;
      overflow: hidden;
    }
    .hero-bg {
      position: absolute; inset: 0;
      background:
        radial-gradient(ellipse 70% 60% at 80% 40%, rgba(42,157,143,0.12) 0%, transparent 60%),
        radial-gradient(ellipse 50% 50% at 10% 80%, rgba(201,168,76,0.08) 0%, transparent 55%),
        linear-gradient(160deg, #1e3448 0%, #0a1520 100%);
      z-index: 0;
    }
    .hero-grid-lines {
      position: absolute; inset: 0; z-index: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
      background-size: 60px 60px;
    }
    .hero-content {
      position: relative; z-index: 1;
      max-width: 800px;
    }
    .hero-eyebrow {
      font-size: 0.78rem;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--teal-light);
      margin-bottom: 1.5rem;
      display: flex;
      align-items: center;
      gap: 0.8rem;
    }
    .hero-eyebrow::before {
      content: '';
      display: inline-block;
      width: 40px;
      height: 1px;
      background: var(--teal-light);
    }
    .hero h1 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2.6rem, 5.5vw, 4.2rem);
      font-weight: 400;
      line-height: 1.12;
      margin-bottom: 1.6rem;
      letter-spacing: -0.01em;
    }
    .hero h1 em {
      font-style: italic;
      color: var(--teal-light);
    }
    .hero-sub {
      font-size: 1.15rem;
      color: var(--text-muted);
      max-width: 580px;
      margin-bottom: 3rem;
      line-height: 1.75;
    }
    .hero-amount {
      display: inline-block;
      font-family: 'Playfair Display', serif;
      font-size: clamp(3rem, 7vw, 5.5rem);
      font-weight: 600;
      color: var(--gold);
      line-height: 1;
      margin-bottom: 0.5rem;
    }
    .hero-amount-label {
      font-size: 0.85rem;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--text-muted);
      margin-bottom: 2.5rem;
    }
    .hero-cta-row {
      display: flex;
      gap: 1rem;
      flex-wrap: wrap;
    }
    .btn-primary {
      display: inline-block;
      background: var(--gold);
      color: var(--navy);
      padding: 0.9rem 2.2rem;
      border-radius: 2px;
      font-family: 'DM Sans', sans-serif;
      font-size: 0.85rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      text-decoration: none;
      transition: background 0.25s, transform 0.2s;
      border: none;
      cursor: pointer;
    }
    .btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
    .btn-outline {
      display: inline-block;
      background: transparent;
      color: var(--white);
      padding: 0.9rem 2.2rem;
      border-radius: 2px;
      border: 1px solid rgba(255,255,255,0.25);
      font-family: 'DM Sans', sans-serif;
      font-size: 0.85rem;
      font-weight: 400;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      text-decoration: none;
      transition: border-color 0.25s, color 0.25s;
    }
    .btn-outline:hover { border-color: var(--gold); color: var(--gold); }

    /* ── SECTIONS ── */
    section {
      padding: 6rem 4rem;
    }
    .section-eyebrow {
      font-size: 0.72rem;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--teal-light);
      margin-bottom: 1rem;
    }
    .section-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.8rem, 3.5vw, 2.8rem);
      font-weight: 400;
      line-height: 1.2;
      margin-bottom: 1.2rem;
    }
    .section-title em {
      font-style: italic;
      color: var(--teal-light);
    }
    .section-sub {
      font-size: 1rem;
      color: var(--text-muted);
      max-width: 600px;
      line-height: 1.75;
    }

    /* ── HOW IT WORKS ── */
    .how-section { max-width: 1200px; margin: 0 auto; }
    .steps {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 2rem;
      margin-top: 3.5rem;
    }
    .step {
      position: relative;
      padding: 2.5rem;
      border: 1px solid var(--border);
      border-radius: 4px;
      background: rgba(255,255,255,0.015);
      transition: transform 0.25s, border-color 0.25s;
    }
    .step:hover { transform: translateY(-4px); border-color: rgba(226,184,74,0.4); }
    .step-num {
      font-family: 'Playfair Display', serif;
      font-size: 4rem;
      color: rgba(201,168,76,0.12);
      line-height: 1;
      margin-bottom: 1.2rem;
    }
    .step h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.2rem;
      margin-bottom: 0.8rem;
      color: var(--white);
    }
    .step p { font-size: 0.92rem; color: var(--text-muted); }

    /* ── TERMS SECTION ── */
    .terms-section { background: var(--navy-mid); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .terms-inner { max-width: 860px; margin: 0 auto; }
    .terms-box {
      border: 1px solid var(--border);
      border-radius: 4px;
      padding: 2.5rem;
      background: rgba(255,255,255,0.02);
      margin-top: 2.5rem;
    }
    .terms-box p {
      font-size: 0.9rem;
      color: var(--text-muted);
      line-height: 1.8;
    }
    .terms-box strong { color: var(--white); }

    /* ── BONUS HIGHLIGHT ── */
    .bonus-section { max-width: 1200px; margin: 0 auto; }
    .bonus-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 2rem;
      margin-top: 3.5rem;
    }
    .bonus-card {
      border: 1px solid var(--border);
      border-radius: 4px;
      padding: 2.5rem;
      background: rgba(255,255,255,0.015);
      transition: border-color 0.3s;
    }
    .bonus-card:hover { border-color: var(--gold); }
    .bonus-card-icon {
      font-size: 2rem;
      margin-bottom: 1.2rem;
      color: var(--gold);
    }
    .bonus-card-tag {
      font-size: 0.72rem;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--teal-light);
      margin-bottom: 0.8rem;
    }
    .bonus-card h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.3rem;
      margin-bottom: 0.8rem;
      color: var(--white);
    }
    .bonus-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }

    /* ── FORM SECTION ── */
    .form-section { background: var(--navy-mid); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .form-inner { max-width: 860px; margin: 0 auto; }
    .form-intro { color: var(--text-muted); font-size: 1.05rem; margin-bottom: 3rem; max-width: 600px; }
    .referral-form {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1.5rem;
    }
    .form-group { display: flex; flex-direction: column; gap: 0.4rem; }
    .form-group.full { grid-column: 1 / -1; }
    .form-group label {
      font-size: 0.72rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--text-muted);
    }
    .form-group input,
    .form-group select,
    .form-group textarea {
      background: rgba(255,255,255,0.05);
      border: 1px solid rgba(255,255,255,0.12);
      color: var(--white);
      padding: 0.75rem 1rem;
      border-radius: 2px;
      font-family: 'DM Sans', sans-serif;
      font-size: 0.95rem;
      font-weight: 300;
      transition: border-color 0.2s;
      outline: none;
    }
    .form-group input:focus,
    .form-group select:focus,
    .form-group textarea:focus {
      border-color: var(--teal);
    }
    .form-group input::placeholder,
    .form-group textarea::placeholder { color: rgba(154,174,197,0.5); }
    .form-group select option { background: var(--navy-mid); color: var(--white); }
    .form-group textarea { resize: vertical; min-height: 110px; }
    .form-submit {
      grid-column: 1 / -1;
      background: var(--gold);
      color: var(--navy);
      border: none;
      padding: 1rem 2rem;
      border-radius: 2px;
      font-family: 'DM Sans', sans-serif;
      font-size: 0.9rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      cursor: pointer;
      transition: background 0.25s, transform 0.2s;
    }
    .form-submit:hover { background: var(--gold-light); transform: translateY(-1px); }
    .form-note {
      grid-column: 1 / -1;
      font-size: 0.8rem;
      color: var(--text-muted);
      text-align: center;
      margin-top: 0.5rem;
    }

    /* ── FOOTER ── */
    footer {
      border-top: 1px solid var(--border);
      padding: 2rem 4rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }
    footer img { height: 44px; width: auto; border-radius: 50%; }
    footer p { font-size: 0.8rem; color: var(--text-muted); }
    .footer-social { display: flex; gap: 1rem; align-items: center; }
    .footer-social a {
      display: inline-flex; align-items: center; justify-content: center;
      width: 36px; height: 36px; border-radius: 50%;
      border: 1px solid rgba(255,255,255,0.12);
      color: var(--text-muted); text-decoration: none;
      transition: border-color 0.2s, color 0.2s, background 0.2s;
    }
    .footer-social a:hover { border-color: var(--teal); color: var(--teal-light); background: rgba(42,157,143,0.1); }
    .footer-social svg { width: 16px; height: 16px; fill: currentColor; }

    /* ── RESPONSIVE ── */
    @media (max-width: 900px) {
      nav { padding: 0.8rem 1.5rem; }
      .nav-links { display: none; }
      .hamburger { display: flex; }
      section { padding: 5rem 1.5rem; }
      .hero { padding: 7rem 1.5rem 4rem; min-height: auto; }
      .steps { grid-template-columns: 1fr; }
      .bonus-grid { grid-template-columns: 1fr; }
      .referral-form { grid-template-columns: 1fr; }
      .form-group.full { grid-column: 1; }
      .form-submit { grid-column: 1; }
      .form-note { grid-column: 1; }
      footer { flex-direction: column; gap: 1.2rem; text-align: center; padding: 2rem 1.5rem; }
    }
    @media (max-width: 600px) {
      .hero h1 { font-size: 2.2rem; }
      .hero-amount { font-size: 3.5rem; }
    }