:root{
    --paper:#EEF3FA;
    --paper-2:#E1EAF6;
    --ink:#0B1E40;
    --ink-soft:#46587A;
    --forest:#003CA0;
    --forest-bright:#0A95DC;
    --terra:#0072CE;
    --terra-deep:#005BA8;
    --line:#CFDDEE;
    --gold:#FFCD00;
    --shadow:rgba(8,28,64,.14);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{
    background:var(--paper);
    color:var(--ink);
    font-family:'Hanken Grotesk',sans-serif;
    font-size:18px;line-height:1.6;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
    position:relative;
  }
  /* paper grain */
  body::before{
    content:"";position:fixed;inset:0;pointer-events:none;z-index:1;opacity:.5;
    background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.035'/%3E%3C/svg%3E");
    mix-blend-mode:multiply;
  }
  .wrap{max-width:1120px;margin:0 auto;padding:0 28px;position:relative;z-index:2}
  .mono{font-family:'IBM Plex Mono',monospace;font-feature-settings:"tnum"}
  .serif{font-family:'Fraunces',serif}

  /* ---------- NAV ---------- */
  nav{position:sticky;top:0;z-index:50;background:rgba(243,239,229,.82);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
  .nav-in{max-width:1120px;margin:0 auto;padding:16px 28px;display:flex;align-items:center;justify-content:space-between;gap:16px}
  .brand{display:flex;align-items:center;gap:10px;font-weight:700;letter-spacing:-.01em;font-size:19px}
  .brand .dot{width:11px;height:11px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(255,205,0,.22)}
  .brand .x{color:var(--ink-soft);font-weight:400;font-family:'Fraunces',serif;font-style:italic}
  .nav-cta{font-size:15px;font-weight:600;color:var(--forest);text-decoration:none;border-bottom:2px solid transparent;transition:.2s}
  .nav-cta:hover{border-color:var(--forest)}

  /* ---------- HERO ---------- */
  header{padding:48px 0 64px;position:relative}
  .eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--terra-deep);margin-bottom:18px}
  .eyebrow::before{content:"";width:26px;height:1.5px;background:var(--terra)}
  h1{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(40px,6.6vw,82px);line-height:1.02;letter-spacing:-.025em;max-width:14ch}
  h1 em{font-style:italic;color:var(--forest);font-weight:500}
  .lede{margin-top:30px;font-size:clamp(19px,2.1vw,23px);max-width:48ch;color:var(--ink-soft);line-height:1.55}
  .lede strong{color:var(--ink);font-weight:600}
  .lede-2{margin-top:18px;font-size:clamp(18px,2vw,21px);max-width:46ch;color:var(--ink);line-height:1.5}
  .lede-2 strong{color:var(--terra-deep);font-weight:700}

  .partner-topbar{background:#fff;border-bottom:1px solid var(--line)}
  .partner-strip{max-width:520px;margin:0 auto;padding:12px 28px}
  .partner-strip img{display:block;width:100%;height:auto}

  .hero-actions{margin-top:38px;display:flex;flex-wrap:wrap;gap:16px;align-items:center}

  .btn{
    display:inline-flex;align-items:center;gap:11px;
    font-family:'Hanken Grotesk',sans-serif;font-weight:600;font-size:17px;
    padding:16px 28px;border-radius:999px;text-decoration:none;cursor:pointer;border:none;
    transition:transform .18s ease,box-shadow .18s ease,background .2s;
  }
  .btn-primary{background:var(--gold);color:var(--ink);box-shadow:0 10px 24px -8px rgba(255,205,0,.5)}
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 30px -8px rgba(230,184,0,.6);background:#EAB800}
  .btn-primary .arr{transition:transform .2s}
  .btn-primary:hover .arr{transform:translateX(4px)}
  .btn-ghost{color:var(--forest);border:1.5px solid var(--forest);background:transparent}
  .btn-ghost:hover{background:var(--forest);color:#fff;transform:translateY(-2px)}

  .hero-note{margin-top:22px;font-size:14px;color:var(--ink-soft);opacity:.8}

  /* floating stamp */
  .stamp{position:absolute;right:2%;top:120px;width:170px;height:200px;transform:rotate(7deg);opacity:.92;display:none}
  @media(min-width:1080px){.stamp{display:block}}
  .stamp .frame{width:100%;height:100%;background:var(--paper-2);border:3px dashed var(--forest);border-radius:8px;padding:12px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 18px 40px -16px var(--shadow)}
  .stamp .big{font-family:'Fraunces',serif;font-weight:700;font-size:54px;line-height:.9;color:var(--forest)}
  .stamp .lab{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--terra-deep);font-weight:700}
  .stamp .sub{font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--ink-soft)}

  /* ---------- SAVINGS LADDER ---------- */
  section.ladder{padding:40px 0 90px}
  .sec-head{max-width:60ch;margin-bottom:48px}
  .sec-kicker{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--forest-bright);margin-bottom:14px}
  .sec-title{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(28px,3.6vw,42px);line-height:1.08;letter-spacing:-.02em}
  .sec-sub{margin-top:16px;color:var(--ink-soft);font-size:18px}

  .tiers{display:flex;flex-direction:column;gap:18px;counter-reset:tier}
  .tier{
    position:relative;background:#FBF8F0;border:1px solid var(--line);border-radius:18px;
    padding:30px 34px;display:grid;grid-template-columns:auto 1fr auto;gap:26px;align-items:center;
    box-shadow:0 1px 0 rgba(255,255,255,.7) inset;
    opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1);
  }
  .tier.show{opacity:1;transform:none}
  .tier:nth-child(2){margin-left:0}
  .tier-num{counter-increment:tier;width:44px;height:44px;border-radius:50%;border:1.5px solid var(--forest);display:flex;align-items:center;justify-content:center;font-family:'IBM Plex Mono',monospace;font-weight:600;color:var(--forest)}
  .tier-num::before{content:counter(tier)}
  .tier-body h3{font-family:'Fraunces',serif;font-weight:600;font-size:25px;letter-spacing:-.01em;margin-bottom:7px}
  .tier-body p{font-size:18px;color:var(--ink-soft);max-width:46ch}
  .tier-hyp{margin-top:7px;font-family:'IBM Plex Mono',monospace;font-size:9px;line-height:1.4;color:var(--ink-soft);opacity:.7;max-width:60ch}
  .tier-figure{text-align:right;white-space:nowrap}
  .tier-figure .val{font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:clamp(30px,4vw,46px);color:var(--forest);letter-spacing:-.02em}
  .tier-figure .unit{display:block;font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft);margin-top:2px}
  .tier.peak{background:linear-gradient(135deg,var(--forest) 0%,#16442B 100%);border-color:var(--forest)}
  .tier.peak .tier-num{border-color:rgba(255,255,255,.5);color:#fff}
  .tier.peak h3{color:#fff}
  .tier.peak p{color:rgba(255,255,255,.78)}
  .tier.peak .tier-hyp{color:rgba(255,255,255,.6)}
  .tier.peak .tier-figure .val{color:#FFD84D}
  .tier.peak .tier-figure .unit{color:rgba(255,255,255,.7)}
  .tier .plus{position:absolute;left:34px;top:-13px;background:var(--gold);color:var(--ink);font-size:12px;font-weight:700;padding:3px 11px;border-radius:999px;letter-spacing:.04em}

  .annual{margin-top:34px;display:flex;flex-wrap:wrap;align-items:baseline;gap:14px;padding-top:30px;border-top:1px dashed var(--line)}
  .annual .label{font-family:'Fraunces',serif;font-style:italic;font-size:22px;color:var(--ink)}
  .annual .num{font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:clamp(34px,5vw,56px);color:var(--terra-deep);letter-spacing:-.02em}
  .annual .per{color:var(--ink-soft);font-size:16px}

  /* ---------- RECEIPT COMPARISON ---------- */
  section.compare{padding:70px 0;background:var(--paper-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .compare-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
  @media(max-width:860px){.compare-grid{grid-template-columns:1fr;gap:36px}}
  .receipt{background:#FCFAF3;border-radius:16px;padding:30px 30px 22px;box-shadow:0 24px 50px -22px var(--shadow);position:relative;max-width:430px}
  .receipt::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:14px;background:repeating-linear-gradient(135deg,transparent 0 9px,var(--paper) 9px 18px),repeating-linear-gradient(45deg,#FCFAF3 0 9px,var(--paper) 9px 18px);}
  .receipt .r-top{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:1.5px dashed var(--line);padding-bottom:16px;margin-bottom:18px}
  .receipt .r-top h4{font-family:'Fraunces',serif;font-size:18px;font-weight:600}
  .receipt .r-top span{font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--ink-soft)}
  .r-line{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;font-family:'IBM Plex Mono',monospace;font-size:14.5px}
  .r-line .lbl{color:var(--ink-soft)}
  .r-line.tot{margin-top:8px;padding-top:14px;border-top:1.5px solid var(--ink);font-size:16px;font-weight:600}
  .r-note{margin-top:14px;font-size:11px;line-height:1.4;color:var(--ink-soft);opacity:.7}
  .strike{color:var(--terra-deep);text-decoration:line-through;text-decoration-thickness:2px;opacity:.85}
  .win{color:var(--forest);font-weight:600}
  .compare-copy h3{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(26px,3.4vw,38px);line-height:1.1;letter-spacing:-.02em;margin-bottom:18px}
  .compare-copy p{color:var(--ink-soft);font-size:17.5px;margin-bottom:14px}
  .compare-copy .hl{background:linear-gradient(transparent 62%,rgba(201,154,62,.4) 0);font-weight:600;color:var(--ink)}

  /* ---------- BEYOND / BENEFITS ---------- */
  section.beyond{padding:96px 0}
  .beyond-head{max-width:62ch;margin-bottom:56px}
  .beyond-head .sec-title em{font-style:italic;color:var(--terra-deep)}
  .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  @media(max-width:900px){.grid{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:600px){.grid{grid-template-columns:1fr}}
  .card{
    background:#FBF8F0;border:1px solid var(--line);border-radius:18px;padding:30px 28px;
    transition:transform .25s ease,box-shadow .25s ease,border-color .25s;
    opacity:0;transform:translateY(22px);
  }
  .card.show{opacity:1;transform:none}
  .card:hover{transform:translateY(-5px);box-shadow:0 22px 40px -22px var(--shadow);border-color:var(--forest-bright)}
  .card .ico{width:52px;height:52px;border-radius:14px;background:var(--paper-2);display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:20px}
  .card h3{font-family:'Fraunces',serif;font-weight:600;font-size:20px;letter-spacing:-.01em;margin-bottom:10px;line-height:1.2}
  .card p{font-size:15.5px;color:var(--ink-soft);line-height:1.55}
  .card.feature{background:var(--forest);border-color:var(--forest)}
  .card.feature .ico{background:rgba(255,255,255,.12)}
  .card.feature h3{color:#fff}
  .card.feature p{color:rgba(255,255,255,.8)}
  .card.feature .ico{filter:none}

  /* ---------- LREL band ---------- */
  section.lrel{padding:0 0 96px}
  .lrel-box{background:#FCFAF3;border:1px solid var(--line);border-radius:24px;padding:clamp(34px,5vw,60px);display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}
  @media(max-width:760px){.lrel-box{grid-template-columns:1fr}}
  .lrel-box h3{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(26px,3.4vw,40px);line-height:1.08;letter-spacing:-.02em;max-width:16ch}
  .lrel-box p{margin-top:16px;color:var(--ink-soft);font-size:17.5px;max-width:46ch}
  .badge-row{display:flex;flex-direction:column;gap:14px}
  .badge{display:flex;align-items:center;gap:13px;font-size:15.5px;font-weight:600}
  .badge .tick{width:26px;height:26px;border-radius:50%;background:var(--forest);color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px;flex:0 0 auto}

  /* ---------- FINAL CTA ---------- */
  section.final{padding:0 0 110px}
  .final-band{position:relative;overflow:hidden;background:var(--ink);border-radius:28px;padding:clamp(44px,6vw,80px);text-align:center;color:#fff}
  .final-band::before{content:"";position:absolute;inset:0;background:radial-gradient(120% 120% at 80% -10%,rgba(10,149,220,.45),transparent 55%),radial-gradient(100% 100% at 0% 120%,rgba(255,205,0,.32),transparent 60%)}
  .final-band > *{position:relative;z-index:1}
  .final-band .k{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#FFD84D;margin-bottom:18px}
  .final-band h2{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(30px,4.6vw,54px);line-height:1.04;letter-spacing:-.02em;max-width:18ch;margin:0 auto}
  .final-band p{margin:22px auto 0;color:rgba(255,255,255,.78);font-size:18px;max-width:46ch}
  .final-actions{margin-top:38px;display:flex;flex-wrap:wrap;gap:16px;justify-content:center}
  .btn-light{background:#fff;color:var(--ink)}
  .btn-light:hover{transform:translateY(-2px);box-shadow:0 16px 30px -10px rgba(0,0,0,.4)}
  .btn-outline-light{border:1.5px solid rgba(255,255,255,.55);color:#fff;background:transparent}
  .btn-outline-light:hover{background:rgba(255,255,255,.12);transform:translateY(-2px)}

  section.trust{padding:0 0 80px}
  .trust-text{max-width:64ch;margin:0 auto;text-align:center;font-family:'Fraunces',serif;font-size:clamp(18px,2.2vw,23px);line-height:1.55;color:var(--ink-soft);font-weight:400}
  .trust-text strong{color:var(--forest);font-weight:600}

  /* footer riche */
  footer{border-top:1px solid var(--line);background:var(--forest);color:#fff;padding:0}
  .ft-main{max-width:1120px;margin:0 auto;padding:54px 28px 36px;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
  @media(max-width:820px){.ft-main{grid-template-columns:1fr 1fr;gap:32px}}
  @media(max-width:520px){.ft-main{grid-template-columns:1fr}}
  .ft-brand .ft-logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:20px;letter-spacing:-.01em;color:#fff}
  .ft-brand .ft-logo .dot{width:11px;height:11px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(255,205,0,.25)}
  .ft-brand .ft-logo .x{font-family:'Fraunces',serif;font-style:italic;color:rgba(255,255,255,.7);font-weight:400}
  .ft-brand p{margin-top:16px;font-size:14px;line-height:1.55;color:rgba(255,255,255,.72);max-width:34ch}
  .ft-contact{margin-top:18px;display:flex;flex-direction:column;gap:8px}
  .ft-contact a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;display:inline-flex;align-items:center;gap:9px;width:fit-content}
  .ft-contact a:hover{color:var(--gold)}
  .ft-social{margin-top:20px;display:flex;gap:10px}
  .ft-social a{width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.25);display:flex;align-items:center;justify-content:center;color:#fff;text-decoration:none;font-size:14px;font-weight:700;transition:.2s}
  .ft-social a:hover{background:var(--gold);border-color:var(--gold);color:var(--ink);transform:translateY(-2px)}
  .ft-col h4{font-family:'Fraunces',serif;font-weight:600;font-size:16px;color:#fff;margin-bottom:16px}
  .ft-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
  .ft-col a{color:rgba(255,255,255,.78);text-decoration:none;font-size:14.5px;transition:.18s}
  .ft-col a:hover{color:var(--gold);padding-left:3px}
  .ft-bottom{border-top:1px solid rgba(255,255,255,.16)}
  .ft-bottom-in{max-width:1120px;margin:0 auto;padding:20px 28px;display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
  .ft-legal{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:13px;color:rgba(255,255,255,.6)}
  .ft-legal a{color:rgba(255,255,255,.6);text-decoration:none}
  .ft-legal a:hover{color:#fff}
  .ft-copy{font-size:12.5px;color:rgba(255,255,255,.55);text-align:center;padding:0 28px 30px}

  @media(max-width:560px){
    .tier{grid-template-columns:1fr;gap:14px;text-align:left;padding:26px 22px}
    .tier-figure{text-align:left}
    .tier-num{position:absolute;right:22px;top:22px}
    .stamp{display:none}
    header{padding:36px 0 40px}
  }