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

:root {
  --ink: #1a1d22;
  --muted: #5a6270;
  --accent: #2a6f77;
  --accent-dark: #1f5258;
  --sand: #f2efe9;
  --mist: #eef1f4;
  --sun: #f6d186;
  --paper: #ffffff;
}

body {
  font-family: "Inter", "Segoe UI", Tahoma, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

img {
  max-width: 100%;
  display: block;
  object-fit: cover;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  border: none;
  background: none;
  cursor: pointer;
}

.page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.site-header {
  padding: 28px 6vw 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.nav-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand {
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.menu {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  font-size: 0.95rem;
}

.ad-label {
  font-size: 0.85rem;
  color: var(--muted);
  border: 1px solid var(--mist);
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--paper);
}

.hero {
  padding: 30px 6vw 50px;
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  align-items: flex-start;
}

.hero-copy {
  flex: 1 1 320px;
  max-width: 540px;
}

.hero-copy h1 {
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  line-height: 1.1;
  margin-bottom: 18px;
}

.hero-copy p {
  color: var(--muted);
  margin-bottom: 20px;
}

.hero-media {
  flex: 1 1 320px;
  margin-top: 20px;
}

.image-shell {
  background: var(--mist);
  padding: 12px;
  border-radius: 18px;
}

.image-shell img {
  width: 100%;
  height: 100%;
  border-radius: 14px;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

.btn {
  background: var(--accent);
  color: var(--paper);
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn.secondary {
  background: var(--sand);
  color: var(--ink);
}

.section {
  padding: 60px 6vw;
}

.section h2 {
  font-size: clamp(1.6rem, 2.4vw, 2.3rem);
  margin-bottom: 16px;
}

.section p {
  color: var(--muted);
  margin-bottom: 16px;
}

.asym-row {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: stretch;
}

.asym-row.reverse {
  flex-direction: row-reverse;
}

.asym-row .panel {
  flex: 1 1 280px;
}

.offset-panel {
  margin-top: 26px;
}

.card-stack {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.card {
  flex: 1 1 240px;
  background: var(--paper);
  border-radius: 20px;
  padding: 18px;
  box-shadow: 0 18px 30px rgba(17, 24, 39, 0.08);
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.card h3 {
  font-size: 1.1rem;
}

.card .price {
  font-weight: 700;
  color: var(--accent-dark);
}

.banner-section {
  background: var(--sand);
}

.bg-finance-pulse {
  background: linear-gradient(120deg, rgba(255, 255, 255, 0.88), rgba(255, 255, 255, 0.92)),
    url("https://images.unsplash.com/photo-1521737604893-d14cc237f11d?w=1400&q=80") center/cover no-repeat;
}

.bg-habits {
  background: linear-gradient(120deg, rgba(248, 247, 243, 0.9), rgba(248, 247, 243, 0.9)),
    url("https://images.unsplash.com/photo-1520607162513-77705c0f0d4a?w=1400&q=80") center/cover no-repeat;
}

.form-wrap {
  background: var(--paper);
  border-radius: 24px;
  padding: 28px;
  box-shadow: 0 20px 40px rgba(17, 24, 39, 0.12);
}

.form-wrap form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

label {
  font-weight: 600;
  font-size: 0.95rem;
}

input,
select {
  border: 1px solid #d7dbe0;
  border-radius: 10px;
  padding: 12px;
  font-size: 1rem;
}

.legal-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.legal-card {
  flex: 1 1 220px;
  background: var(--mist);
  padding: 18px;
  border-radius: 16px;
}

.site-footer {
  padding: 40px 6vw 60px;
  background: var(--ink);
  color: #f5f5f5;
  margin-top: auto;
}

.footer-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}

.footer-row a {
  color: #f5f5f5;
}

.disclaimer {
  margin-top: 20px;
  color: #c4c7cc;
  font-size: 0.9rem;
}

.sticky-cta {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 10;
}

.sticky-cta button {
  background: var(--sun);
  padding: 12px 18px;
  border-radius: 999px;
  font-weight: 700;
  color: var(--ink);
}

.sticky-cta a {
  background: var(--sun);
  padding: 12px 18px;
  border-radius: 999px;
  font-weight: 700;
  color: var(--ink);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.cookie-banner {
  position: fixed;
  left: 20px;
  right: 20px;
  bottom: 20px;
  background: var(--paper);
  box-shadow: 0 16px 30px rgba(17, 24, 39, 0.12);
  border-radius: 16px;
  padding: 16px;
  display: none;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  z-index: 20;
}

.cookie-actions {
  display: flex;
  gap: 10px;
}

.cookie-actions button {
  padding: 8px 14px;
  border-radius: 999px;
  background: var(--mist);
  font-weight: 600;
}

.hero-mini {
  padding: 30px 6vw;
  background: var(--mist);
}

.hero-mini h1 {
  font-size: clamp(2rem, 3vw, 2.6rem);
}

.content-wrap {
  padding: 40px 6vw 60px;
}

.inline-link {
  color: var(--accent-dark);
  font-weight: 600;
}

.contact-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.contact-card {
  flex: 1 1 260px;
  background: var(--paper);
  border-radius: 18px;
  padding: 20px;
  box-shadow: 0 16px 24px rgba(17, 24, 39, 0.08);
}

.thanks-box {
  background: var(--sand);
  padding: 30px;
  border-radius: 20px;
  max-width: 560px;
}

.reference-list a {
  color: #f5f5f5;
  text-decoration: underline;
}

@media (max-width: 860px) {
  .hero {
    padding-top: 20px;
  }

  .sticky-cta {
    right: 14px;
    bottom: 14px;
  }

  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
  }
}