/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg: #F7F6F1;
  --bg-alt: #EDECEA;
  --fg: #0C0C0F;
  --fg-muted: #5C5C66;
  --fg-faint: #9999A6;
  --accent: #F59E0B;
  --accent-dark: #D97706;
  --border: #DDDCD8;
  --tag-finance-bg: #FEF3C7;
  --tag-finance-color: #92400E;
  --tag-section32-bg: #FCE7F3;
  --tag-section32-color: #9D174D;
  --tag-respa-bg: #FEE2E2;
  --tag-respa-color: #991B1B;
  --tag-allowed-bg: #D1FAE5;
  --tag-allowed-color: #065F46;
  --status-ok: #059669;
  --status-warn: #D97706;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--fg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ===== NAV ===== */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247,246,241,0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: 'DM Serif Display', serif;
  font-size: 1.25rem;
  letter-spacing: -0.01em;
}
.nav-tag {
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--fg-muted);
  font-weight: 500;
}

/* ===== HERO ===== */
.hero {
  padding: 80px 40px 0;
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding-bottom: 80px;
}
.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 20px;
}
.hero-headline {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.2rem, 4.5vw, 3.5rem);
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin-bottom: 28px;
  font-weight: 400;
}
.hero-sub {
  font-size: 1.0625rem;
  color: var(--fg-muted);
  max-width: 440px;
  line-height: 1.7;
}

/* Fee Panel */
.fee-panel {
  background: #0C0C0F;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.18), 0 2px 8px rgba(0,0,0,0.12);
}
.fee-panel-header {
  padding: 16px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.fee-panel-title {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}
.fee-panel-badge {
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: #10B981;
  background: rgba(16,185,129,0.15);
  padding: 3px 8px;
  border-radius: 4px;
}
.fee-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8125rem;
}
.fee-table th {
  padding: 12px 20px;
  text-align: left;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.fee-table td {
  padding: 12px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  color: rgba(255,255,255,0.8);
  vertical-align: middle;
}
.fee-table tbody tr:last-child td { border-bottom: none; }
.fee-table tbody tr:hover td { background: rgba(255,255,255,0.03); }

.tag {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: 4px;
  letter-spacing: 0.02em;
}
.tag-finance { background: var(--tag-finance-bg); color: var(--tag-finance-color); }
.tag-section32 { background: var(--tag-section32-bg); color: var(--tag-section32-color); }
.tag-respa { background: var(--tag-respa-bg); color: var(--tag-respa-color); }
.tag-allowed { background: var(--tag-allowed-bg); color: var(--tag-allowed-color); }

.status { font-size: 0.75rem; font-weight: 500; }
.status.ok { color: #10B981; }
.status.warn { color: #F59E0B; }

.fee-panel-footer {
  padding: 14px 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
}
.fee-panel-footer strong { color: rgba(255,255,255,0.85); font-weight: 600; }
.fee-panel-footer strong.ok { color: #10B981; }

.hero-rule {
  max-width: 1200px;
  margin: 0 auto;
  height: 1px;
  background: var(--border);
}

/* ===== ABOUT ===== */
.about {
  padding: 80px 40px;
  background: var(--bg-alt);
}
.about-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.about-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 24px;
}
.about-headline {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  font-weight: 400;
  margin-bottom: 36px;
  max-width: 700px;
}
.about-body {
  max-width: 680px;
}
.about-body p {
  font-size: 1.0625rem;
  color: var(--fg-muted);
  line-height: 1.75;
  margin-bottom: 20px;
}
.about-body p:last-child { margin-bottom: 0; }

/* ===== FEATURES ===== */
.features {
  padding: 80px 40px;
}
.features-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.features-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 48px;
}
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.feature-card {
  padding: 28px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--bg);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.feature-card:hover {
  border-color: var(--fg-faint);
  box-shadow: 0 4px 16px rgba(0,0,0,0.06);
}
.feature-icon {
  width: 40px;
  height: 40px;
  background: var(--bg-alt);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--accent);
}
.feature-title {
  font-family: 'DM Serif Display', serif;
  font-size: 1.0625rem;
  font-weight: 400;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.feature-desc {
  font-size: 0.875rem;
  color: var(--fg-muted);
  line-height: 1.65;
}

/* ===== WHY ===== */
.why {
  padding: 80px 40px;
  background: var(--fg);
}
.why-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.why-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 48px;
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  overflow: hidden;
}
.why-item {
  padding: 36px 32px;
  background: rgba(255,255,255,0.03);
}
.why-stat {
  font-family: 'DM Serif Display', serif;
  font-size: 1.75rem;
  color: var(--accent);
  margin-bottom: 12px;
  font-weight: 400;
}
.why-desc {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.65;
}

/* ===== CLOSING ===== */
.closing {
  padding: 100px 40px;
}
.closing-inner {
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
}
.closing-statement {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  font-weight: 400;
  margin-bottom: 40px;
}
.closing-rule {
  width: 48px;
  height: 2px;
  background: var(--accent);
  margin: 0 auto 40px;
}
.closing-sub {
  font-size: 1rem;
  color: var(--fg-muted);
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ===== FOOTER ===== */
.footer {
  border-top: 1px solid var(--border);
  padding: 32px 40px;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.footer-brand {
  display: flex;
  align-items: baseline;
  gap: 16px;
}
.footer-name {
  font-family: 'DM Serif Display', serif;
  font-size: 1rem;
}
.footer-tagline {
  font-size: 0.8125rem;
  color: var(--fg-faint);
}
.footer-meta {
  font-size: 0.75rem;
  color: var(--fg-faint);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-text { text-align: left; }
  .hero-sub { max-width: 100%; }
  .features-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .about-headline { font-size: 1.75rem; }
  .nav-inner { padding: 0 20px; }
  .hero, .about, .features, .why, .closing, .footer { padding-left: 20px; padding-right: 20px; }
  .footer-inner { flex-direction: column; gap: 12px; text-align: center; }
  .footer-brand { flex-direction: column; gap: 4px; align-items: center; }
}
@media (max-width: 480px) {
  .why-item { padding: 24px 20px; }
}