@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');
:root{--wine:#570016;--wine2:#810026;--wine3:#a10d32;--ink:#17171a;--muted:#646168;--gold:#d9a72d;--pale:#f8f5f4;--line:#e8e3e3;--white:#fff;--max:1320px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;font-size:14px;line-height:1.55}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.wrap{width:min(calc(100% - 48px),var(--max));margin-inline:auto}.topline{background:#450010;color:#fff;font-size:11px}.topline-inner{min-height:32px;display:flex;align-items:center;gap:24px}.topline .right{margin-left:auto}.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid #e8e4e4;box-shadow:0 2px 12px #18000b0a}.header-inner{min-height:76px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;min-width:245px}.brand img{width:55px;height:55px;object-fit:contain}.brand span{display:flex;flex-direction:column;line-height:1.15}.brand b{font-size:25px;font-weight:800;letter-spacing:-.9px}.brand small{font-size:8px;letter-spacing:2px;font-weight:700}.header-inner nav{display:flex;align-items:center;justify-content:center;gap:clamp(8px,1.15vw,20px);flex:1}.header-inner nav a{font-size:11px;font-weight:650;white-space:nowrap;padding:29px 0;border-bottom:3px solid transparent}.header-inner nav a:hover{color:var(--wine2);border-color:var(--wine2)}.login-btn{background:var(--wine2);color:white;padding:12px 17px;border-radius:5px;font-size:12px;font-weight:700;white-space:nowrap}.menu-toggle{display:none;background:none;border:0;font-size:24px}.hero{position:relative;overflow:hidden;background:#11080b;color:#fff;min-height:485px}.hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,3,5,.96) 0%,rgba(20,5,10,.81) 40%,rgba(27,8,10,.15) 100%),url('images/hero-products.webp') center 48%/cover no-repeat}.hero-layout{position:relative;display:grid;grid-template-columns:minmax(0,1fr) 345px;gap:30px;align-items:center;min-height:485px;padding-block:20px}.hero-copy{padding:32px 0;max-width:780px}.eyebrow{font-size:10px;font-weight:800;letter-spacing:2px;color:var(--wine2);margin-bottom:13px}.eyebrow.light{color:#f2c84e}.hero h1{font-size:clamp(42px,4.5vw,66px);line-height:1.02;letter-spacing:-2.7px;margin:0 0 18px;font-weight:800}.hero h1 em{color:#efbb36;font-style:normal}.hero-copy p{max-width:610px;font-size:17px;color:#f3eeee;line-height:1.55}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 28px}.btn{border:1px solid transparent;border-radius:5px;padding:13px 19px;display:inline-flex;align-items:center;justify-content:center;gap:14px;font-size:12px;font-weight:800;cursor:pointer}.btn.primary{background:var(--wine2);color:#fff}.btn.primary:hover,.login-btn:hover{background:#a60b35}.btn.white{background:#fff;color:var(--wine2)}.btn.outline{border-color:#c7b8bd;color:var(--wine2);background:#fff}.btn.full{width:100%}.trust-row{display:flex;flex-wrap:wrap;gap:20px;font-size:11px;color:#fff}.trust-row b{color:#e6bd46;margin-right:5px}.quote-panel{background:#fff;color:#17171a;border-radius:9px;padding:20px 20px 15px;box-shadow:0 14px 40px #0005;align-self:center}.quote-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.quote-head h2{font-size:22px;line-height:1.2;margin:0;font-weight:800;letter-spacing:-.7px}.quote-head p{font-size:11px;color:var(--muted);margin:2px 0 0}.quote-mark{width:38px;height:38px;display:grid;place-items:center;border-radius:7px;background:#f6e9ec;color:var(--wine2);font-weight:800}.quote-tabs{display:grid;grid-template-columns:1fr 1fr;background:#f4f2f3;border-radius:5px;padding:3px;margin-bottom:12px}.quote-tabs button{border:0;background:transparent;padding:9px 5px;border-radius:4px;font-size:11px;cursor:pointer}.quote-tabs button.selected{background:var(--wine2);color:#fff;font-weight:800}.quote-panel label{display:block;font-size:10px;font-weight:750;margin:8px 0}.quote-panel input,.quote-panel select{width:100%;margin-top:4px;border:1px solid #ded9da;border-radius:4px;background:#fff;min-height:35px;padding:8px 10px;font-size:11px;color:#17171a}.input-row{display:grid;grid-template-columns:1fr .9fr;gap:8px}.spot-line{display:grid;grid-template-columns:1fr;gap:1px;margin:10px 0}.spot-line small,.estimate small{font-size:9px;color:#686168}.spot-line strong{font-size:14px}.spot-line span{font-size:9px;color:#6d686b}.estimate{padding:10px 12px;background:#fbf0f2;border-radius:5px;margin:10px 0}.estimate strong{display:block;color:var(--wine2);font-size:25px;line-height:1.3;letter-spacing:-.5px}.estimate span{font-size:9px;color:#6b6266}.fineprint{display:block;text-align:center;font-size:8px;color:#6f686b;line-height:1.4;margin-top:8px}.form-message{font-size:10px;color:var(--wine2);margin-top:7px}.ticker{background:#fbf7f7;border-bottom:1px solid #eee7e9}.ticker-inner{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr 1.2fr;align-items:center;min-height:72px}.ticker-inner>div{padding:10px 16px;border-right:1px solid #e0d5d8}.ticker-inner>div:first-child{padding-left:0}.ticker-inner small,.ticker-inner b{display:block}.ticker-inner small{font-size:9px;color:#706970;letter-spacing:.5px}.ticker-inner b{font-size:16px}.ticker-brand{display:flex;align-items:center;gap:10px}.ticker-brand img{width:48px;height:42px;object-fit:cover;border-radius:5px}.ticker-brand b{font-size:12px}.ticker-brand small{font-size:9px}.market-state{display:flex;align-items:center;gap:9px;border:0!important;font-size:10px}.market-state i{width:7px;height:7px;background:#d4a232;border-radius:50%}.trust-features{background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding-block:22px}.trust-grid article{display:flex;align-items:center;gap:13px;padding:8px 20px;border-right:1px solid #eee}.trust-grid article:first-child{padding-left:0}.trust-grid article:last-child{border:0}.feature-icon{width:49px;height:49px;flex:none;display:grid;place-items:center;border-radius:50%;background:#faeef1;color:var(--wine2);font-size:25px;font-weight:700}.trust-grid b{font-size:13px}.trust-grid p{font-size:11px;color:var(--muted);margin:2px 0 0;line-height:1.4}.products-band{background:linear-gradient(115deg,#4b0013,#650019 58%,#2b0710);color:#fff;padding:28px 0}.products-layout{display:grid;grid-template-columns:250px 1fr;gap:22px;align-items:stretch}.products-intro{padding:22px 0}.products-intro h2{font-size:34px;line-height:1.04;margin:0 0 12px;letter-spacing:-1px}.products-intro p{font-size:12px;color:#eadfe2;margin-bottom:22px}.product-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.product-card{display:flex;flex-direction:column;background:#fff;color:#191518;border-radius:6px;overflow:hidden;min-width:0}.product-card img{width:100%;height:145px;object-fit:cover}.product-card div{padding:12px;display:flex;flex-direction:column;flex:1}.product-card b{font-size:13px}.product-card p{font-size:10px;line-height:1.45;color:#6b6468;margin:5px 0 10px}.product-card span{font-size:10px;color:var(--wine2);font-weight:800;margin-top:auto}.section{padding:76px 0}.section.soft{background:#f8f5f5}.section-heading{max-width:760px;margin-bottom:30px}.section-heading h2,.two-col h2,.portal-card h2,.contact-grid h2{font-size:clamp(29px,3.2vw,42px);line-height:1.12;letter-spacing:-1.5px;margin:0 0 14px;font-weight:800}.section-heading p,.two-col p{color:var(--muted);line-height:1.7}.weight-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.weight-grid article{border:1px solid var(--line);border-radius:7px;overflow:hidden;padding-bottom:15px;background:#fff}.weight-grid img{width:100%;height:205px;object-fit:cover;background:#f2eeee}.weight-grid b,.weight-grid span{display:block;padding:0 14px}.weight-grid b{font-size:14px;margin-top:12px}.weight-grid span{font-size:11px;color:var(--muted);margin-top:3px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.image-frame{position:relative;border-radius:9px;overflow:hidden;min-height:370px;background:#1c1014}.image-frame img{width:100%;height:390px;object-fit:cover;display:block}.image-label{position:absolute;bottom:16px;left:16px;background:#fff;color:var(--wine2);font-weight:800;letter-spacing:1.3px;font-size:11px;padding:10px 13px;border-radius:4px}.process-list{display:grid;gap:15px;margin:25px 0}.process-list>div{display:flex;gap:13px;align-items:flex-start}.process-list>div>b{width:34px;height:34px;border-radius:5px;background:#f4e5e9;color:var(--wine2);display:grid;place-items:center;flex:none;font-size:11px}.process-list strong,.process-list small{display:block}.process-list strong{font-size:13px}.process-list small{color:var(--muted);font-size:11px;line-height:1.5;margin-top:2px}.dark-feature{background:linear-gradient(120deg,#410010,#68001c);color:#fff}.dark-feature p{color:#e5d8dd}.section-image{width:100%;max-height:430px;object-fit:cover;border-radius:8px;display:block}.check-list{padding:0;list-style:none;display:grid;gap:10px;margin:22px 0}.check-list li:before{content:'✓';font-weight:800;color:#efc64b;margin-right:10px}.check-list.burgundy li:before{color:var(--wine2)}.legal-note{font-size:10px!important;line-height:1.6!important;color:#7b6f74!important;margin:16px 0}.dark-feature .legal-note{color:#d5bdc5!important}.fee-card{background:#fff;border:1px solid #e8dfe2;border-radius:7px;padding:18px;margin:22px 0}.fee-card>div{display:flex;align-items:center;justify-content:space-between}.fee-card span{font-size:12px;font-weight:700}.fee-card strong{font-size:28px;color:var(--wine2)}.fee-card p{font-size:11px;margin:8px 0 0}.stats-row{display:flex;gap:12px;margin-top:22px}.stats-row div{background:#fff;border:1px solid var(--line);padding:12px 18px;min-width:100px;border-radius:5px}.stats-row b,.stats-row small{display:block}.stats-row b{color:var(--wine2);font-size:16px}.stats-row small{font-size:9px;color:var(--muted)}.trust-points{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:28px}.trust-points article{border:1px solid #ffffff2b;background:#ffffff08;border-radius:6px;padding:20px}.trust-points b{font-size:14px}.trust-points p{font-size:11px;line-height:1.6;margin-bottom:0}.policy-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.policy-grid button{position:relative;text-align:left;padding:19px 15px;border:1px solid var(--line);background:#fff;border-radius:6px;cursor:pointer;min-height:104px}.policy-grid button:hover{border-color:#b48a98;box-shadow:0 8px 20px #35000d0a}.policy-grid b,.policy-grid span{display:block}.policy-grid b{font-size:12px;margin-bottom:6px}.policy-grid span{font-size:10px;color:var(--muted);padding-right:15px}.policy-grid button:after{content:'↗';position:absolute;right:13px;top:15px;color:var(--wine2)}.portal-card{border:1px solid var(--line);border-radius:8px;padding:30px;display:grid;grid-template-columns:1.4fr .7fr;gap:30px;align-items:center;background:#fff}.portal-card p{color:var(--muted)}.portal-actions{display:flex;flex-direction:column;gap:10px}.contact-section{background:var(--wine);color:#fff}.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}.contact-grid p{color:#e5d8dd;max-width:540px}.contact-details{display:grid;gap:12px;padding:22px;border:1px solid #ffffff30;border-radius:7px}.contact-details a,.contact-details span{font-size:13px}.contact-details .btn{width:max-content;margin-top:8px}footer{background:#18080e;color:#fff;padding:48px 0 0}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:32px;padding-bottom:35px}.footer-brand img{width:70px;height:70px;object-fit:contain;filter:drop-shadow(0 0 0 transparent)}.footer-brand p{font-weight:800;font-size:15px;margin:6px 0}.footer-brand small{display:block;color:#c6b9bf;max-width:280px;font-size:10px;line-height:1.7}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:10px}.footer-grid>div>b{font-size:12px;margin-bottom:6px}.footer-grid a{font-size:11px;color:#cfc3c8}.footer-grid a:hover{color:#f2c84e}.footer-bottom{border-top:1px solid #ffffff20;padding:17px 0;display:flex;justify-content:space-between;gap:20px;color:#c6b9bf;font-size:9px}.modal{display:none;position:fixed;inset:0;background:#11070bd9;z-index:100;padding:24px;overflow:auto;align-items:center;justify-content:center}.modal.show{display:flex}.modal-card{position:relative;background:#fff;border-radius:9px;padding:30px;max-width:640px;width:100%;max-height:90vh;overflow:auto}.modal-card h2{font-size:28px;margin:0 0 18px}.modal-card li,.modal-card p{font-size:12px;color:#5f585c;line-height:1.7}.modal-close{position:absolute;right:15px;top:12px;border:0;background:#f6edef;color:var(--wine2);border-radius:50%;font-size:24px;width:34px;height:34px;cursor:pointer}
@media(max-width:1120px){.header-inner{gap:12px}.brand{min-width:200px}.brand b{font-size:22px}.header-inner nav{gap:10px}.header-inner nav a{font-size:10px}.login-btn{padding:11px 12px}.hero-layout{grid-template-columns:minmax(0,1fr) 325px}.products-layout{grid-template-columns:220px 1fr}.product-cards{grid-template-columns:repeat(2,1fr)}.product-card img{height:155px}.ticker-inner{grid-template-columns:1.3fr 1fr 1fr 1fr}.market-state{display:none!important}}
@media(max-width:800px){.wrap{width:min(calc(100% - 32px),var(--max))}.topline-inner{gap:12px;flex-wrap:wrap;padding:8px 0}.topline .right{display:none}.header-inner{min-height:68px;justify-content:space-between}.brand{min-width:0}.brand img{width:45px;height:45px}.brand b{font-size:20px}.brand small{font-size:7px}.menu-toggle{display:block;margin-left:auto}.header-inner nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;padding:8px 16px 18px;box-shadow:0 10px 20px #0002;align-items:stretch;flex-direction:column}.header-inner nav.open{display:flex}.header-inner nav a{padding:10px;border-bottom:1px solid #eee;font-size:13px}.login-btn{font-size:10px;padding:10px}.hero-layout{grid-template-columns:1fr;gap:0;padding:0 0 20px}.hero-copy{padding:45px 0 25px}.hero h1{font-size:clamp(38px,9vw,55px);letter-spacing:-1.7px}.hero-copy p{font-size:14px}.quote-panel{max-width:500px;width:100%;margin:0 auto 10px}.ticker-inner{grid-template-columns:1fr 1fr;padding:8px 0}.ticker-inner>div{padding:10px}.ticker-inner>div:first-child{padding-left:10px}.ticker-inner>div:nth-child(3){border-right:0}.trust-grid{grid-template-columns:1fr 1fr}.trust-grid article{padding:12px 8px;border-right:0;border-bottom:1px solid #eee}.trust-grid article:first-child{padding-left:8px}.products-layout{grid-template-columns:1fr}.products-intro{padding:12px 0}.products-intro h2{font-size:31px}.product-cards{grid-template-columns:repeat(2,1fr)}.product-card img{height:135px}.section{padding:52px 0}.two-col{grid-template-columns:1fr;gap:28px}.image-frame,.image-frame img{min-height:260px;height:280px}.weight-grid{grid-template-columns:1fr 1fr}.weight-grid img{height:170px}.trust-points{grid-template-columns:1fr 1fr}.policy-grid{grid-template-columns:1fr 1fr}.portal-card,.contact-grid{grid-template-columns:1fr;gap:20px}.portal-card{padding:22px}.portal-actions{align-items:flex-start}.footer-grid{grid-template-columns:1fr 1fr;gap:28px 20px}.footer-brand{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:7px}.section-heading h2,.two-col h2,.portal-card h2,.contact-grid h2{font-size:32px}}
@media(max-width:430px){.topline-inner{font-size:9px;gap:7px 12px}.header-inner{gap:8px}.brand b{font-size:17px}.brand img{width:38px;height:38px}.login-btn{padding:9px;font-size:9px}.hero h1{font-size:38px}.trust-row{gap:10px}.trust-row span{font-size:9px}.quote-panel{padding:16px}.ticker-inner b{font-size:13px}.product-cards{gap:8px}.product-card img{height:115px}.product-card div{padding:9px}.product-card b{font-size:12px}.product-card p{font-size:9px}.weight-grid img{height:130px}.trust-points{grid-template-columns:1fr}.policy-grid{grid-template-columns:1fr}.footer-grid{gap:22px 14px}}

/* HKKO GOLD final visual refinement */
:root{--wine:#520014;--wine2:#8f001f;--gold:#d9a928;--gold2:#f0c84b;--ink:#171416;--muted:#665d61;--line:#e7dfe1;--cream:#f4efed}
body{font-family:Arial,Helvetica,sans-serif;background:#f7f3f1;color:var(--ink)}
.eyebrow{color:var(--gold2)!important;letter-spacing:2.8px;font-weight:800}
.hero .eyebrow{color:var(--gold2)!important}
.hero h1{font-family:"Times New Roman",Times,serif;font-weight:700;letter-spacing:-1.8px}
.hero h1 em{font-style:normal;color:#e9b62d}
.hero{min-height:500px;background:#16070b}
.hero-bg{background-position:center;background-size:cover;filter:saturate(.95) contrast(1.05)}
.hero-copy{max-width:780px}
.hero-copy p{max-width:760px}
.trust-features{background:#f1eae7;border-top:1px solid #d8cdcf;border-bottom:1px solid #d8cdcf}
.trust-grid article{background:transparent}
.products-band{background:linear-gradient(115deg,#42000f,#650019 58%,#2a0710);padding:42px 0}
.product-card{box-shadow:0 10px 25px #17040a33}
.section.soft{background:#eee7e4}
.section{background:#f7f3f1}
.dark-feature{background:linear-gradient(120deg,#39000d,#68001c)}
.footer-ref{background:#5a0015;color:#fff;padding:52px 0 0}
.footer-ref .footer-grid{grid-template-columns:1.7fr repeat(5,1fr);gap:28px;padding-bottom:48px}
.footer-ref .footer-brand img{width:68px;height:68px;object-fit:contain}
.footer-ref .footer-brand p{font-size:15px;font-weight:700}
.footer-ref .footer-brand small{color:#eadce0}
.footer-ref .footer-grid a{color:#e2d4d8}
.footer-ref .footer-grid a:hover{color:#f1c94b}
.footer-ref .footer-bottom{border-top:1px solid #ffffff22;color:#e0d1d6}
.footer-ref .footer-disclaimer{border-top:1px solid #ffffff22;border-bottom:1px solid #ffffff22;padding:24px 0;display:grid;grid-template-columns:1fr 1.4fr;gap:30px;align-items:center}
.footer-ref .footer-disclaimer strong{font-size:24px;font-family:Arial,Helvetica,sans-serif}
.footer-ref .footer-disclaimer p{font-size:11px;line-height:1.6;color:#e4d6da;margin:0}
.subhero{background:linear-gradient(120deg,#3b000d,#69001b);color:#fff;padding:74px 0 58px}
.subhero h1{font-family:"Times New Roman",Times,serif;font-size:clamp(42px,6vw,70px);line-height:.98;margin:8px 0 16px}
.subhero p{max-width:720px;color:#eadde1;line-height:1.7}
.subhero .eyebrow{color:#f0c84b!important}
.subnav{background:#fff;border-bottom:1px solid var(--line)}
.subnav .wrap{display:flex;gap:24px;overflow:auto;padding:13px 0}
.subnav a{font-size:11px;font-weight:700;color:#5c4f54;white-space:nowrap}
.subnav a:hover{color:var(--wine2)}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.info-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:22px;box-shadow:0 6px 18px #2a0a1208}
.info-card h3{font-size:17px;margin:0 0 8px}.info-card p{font-size:12px;line-height:1.65;color:var(--muted)}
.page-image{width:100%;height:330px;object-fit:cover;border-radius:8px;display:block}
@media(max-width:1050px){.footer-ref .footer-grid{grid-template-columns:repeat(3,1fr)}.footer-ref .footer-brand{grid-column:1/-1}.info-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.footer-ref .footer-grid{grid-template-columns:1fr 1fr}.footer-ref .footer-disclaimer{grid-template-columns:1fr}.info-grid{grid-template-columns:1fr}.subhero{padding:52px 0 44px}.subhero h1{font-size:46px}}
/* Homepage information sections aligned to supplied reference screens */
.trust-standards{background:linear-gradient(120deg,#5a0015,#76001d);color:#fff;padding:64px 0}
.trust-standards .eyebrow{color:#f0c84b!important}
.section-title-compact{font-size:28px;line-height:1.15;margin:0 0 28px;font-weight:800}
.trust-standards .trust-points{margin-top:0}
.trust-standards .trust-points article{background:transparent;border:1px solid #ffffff32;padding:20px;border-radius:6px}
.trust-standards .trust-points p{color:#eadde1;margin-top:10px}
#policies{background:#f8f5f3}
#policies .section-heading{margin-bottom:26px}
#policies .section-heading h2{font-size:42px}
#client-portal{background:#f4f0ee}
.contact-section{background:#5a0015!important;padding:78px 0}
.contact-section .eyebrow{color:#f0c84b!important}
.contact-section h2{font-size:46px}
.contact-details{background:transparent}
@media(max-width:800px){.trust-standards{padding:48px 0}.section-title-compact{font-size:25px}.contact-section h2{font-size:36px}#policies .section-heading h2{font-size:32px}}


/* Phase 4: roomier layout and consistent spacing across HKKO GOLD pages */
:root{--section-space:88px;--card-gap:18px}
.wrap{width:min(calc(100% - 64px),var(--max))}
.section{padding:88px 0}
.section-heading{margin-bottom:40px}
.section-heading h2,.two-col h2,.portal-card h2,.contact-grid h2{margin-bottom:20px;line-height:1.18}
.section-heading p,.two-col p{line-height:1.8;margin-top:12px;margin-bottom:18px}
.hero-layout{gap:38px;padding-block:32px}
.hero-copy{padding:42px 0}
.hero-copy p{line-height:1.75;margin-top:18px;margin-bottom:22px}
.actions{gap:14px;margin:30px 0 34px}
.trust-row{gap:24px;line-height:1.8}
.quote-panel{padding:25px 24px 20px}
.quote-head{margin-bottom:16px}
.quote-tabs{margin-bottom:16px}
.quote-panel label{margin:12px 0}
.quote-panel input,.quote-panel select{min-height:40px;margin-top:6px;padding:10px 12px}
.input-row{gap:12px}
.spot-line{margin:14px 0;gap:4px}
.estimate{padding:14px 15px;margin:14px 0}
.trust-grid{padding-block:30px}
.trust-grid article{padding:14px 22px;gap:16px}
.products-band{padding:48px 0}
.products-layout{gap:30px}
.products-intro{padding:28px 0}
.product-cards{gap:16px}
.product-card img{height:165px}
.product-card div{padding:16px;gap:4px}
.product-card p{line-height:1.65;margin:8px 0 14px}
.weight-grid{gap:20px}
.weight-grid article{padding-bottom:18px}
.weight-grid b{margin-top:16px}
.weight-grid span{margin-top:6px;line-height:1.6}
.two-col{gap:64px}
.process-list{gap:19px;margin:30px 0}
.process-list>div{gap:16px}
.check-list{gap:13px;margin:26px 0}
.fee-card{padding:22px;margin:26px 0}
.stats-row{gap:16px;margin-top:28px;flex-wrap:wrap}
.stats-row div{padding:15px 20px}
.trust-points{gap:18px;margin-top:34px}
.trust-points article{padding:24px}
.policy-grid{gap:16px}
.policy-grid button{padding:22px 18px;min-height:120px}
.policy-grid b{margin-bottom:9px;line-height:1.5}
.policy-grid span{line-height:1.65}
.portal-card{padding:38px;gap:38px}
.portal-card p{line-height:1.8;margin:12px 0 20px}
.portal-actions{gap:14px}
.contact-grid{gap:64px}
.contact-grid p{line-height:1.8;margin:16px 0 24px}
.contact-details{gap:16px;padding:28px}
footer{padding-top:58px}
.footer-ref{padding-top:62px}
.footer-grid{gap:38px;padding-bottom:46px}
.footer-ref .footer-grid{gap:32px;padding-bottom:54px}
.footer-grid>div:not(:first-child){gap:13px}
.footer-bottom{padding:22px 0;line-height:1.7}
.modal-card{padding:36px}
@media(max-width:1120px){
 .wrap{width:min(calc(100% - 48px),var(--max))}
 .section{padding:76px 0}
 .two-col{gap:40px}
 .products-layout{gap:24px}
 .portal-card{padding:30px;gap:28px}
 .footer-ref .footer-grid{grid-template-columns:repeat(3,1fr);gap:28px}
}
@media(max-width:800px){
 .wrap{width:min(calc(100% - 36px),var(--max))}
 .section{padding:64px 0}
 .section-heading{margin-bottom:30px}
 .hero-layout{gap:12px;padding:0 0 28px}
 .hero-copy{padding:42px 0 28px}
 .hero-copy p{line-height:1.7}
 .actions{gap:10px;margin:24px 0 28px}
 .trust-row{gap:12px 18px}
 .quote-panel{padding:22px;margin-bottom:12px}
 .trust-grid{padding-block:20px}
 .trust-grid article{padding:16px 10px;gap:12px}
 .products-band{padding:36px 0}
 .products-intro{padding:12px 0 18px}
 .product-cards{gap:14px}
 .product-card div{padding:13px}
 .two-col{gap:30px}
 .image-frame,.image-frame img{min-height:280px;height:300px}
 .process-list{gap:16px;margin:24px 0}
 .trust-points{gap:14px;margin-top:26px}
 .trust-points article{padding:19px}
 .policy-grid{gap:12px}
 .policy-grid button{padding:18px 15px;min-height:112px}
 .portal-card{padding:25px;gap:20px}
 .contact-grid{gap:28px}
 .contact-details{padding:22px;gap:14px}
 .footer-ref{padding-top:42px}
 .footer-ref .footer-grid{grid-template-columns:1fr 1fr;gap:25px 20px;padding-bottom:34px}
 .footer-ref .footer-disclaimer{grid-template-columns:1fr;gap:12px;padding:20px 0}
 .footer-ref .footer-disclaimer strong{font-size:21px}
 .footer-grid{gap:25px 20px;padding-bottom:32px}
 .footer-bottom{padding:18px 0}
}
@media(max-width:430px){
 .wrap{width:calc(100% - 28px)}
 .section{padding:54px 0}
 .hero-copy{padding:34px 0 24px}
 .quote-panel{padding:18px}
 .trust-grid{gap:0}
 .trust-grid article{padding:13px 7px;align-items:flex-start}
 .feature-icon{width:40px;height:40px;font-size:21px}
 .product-cards{gap:10px}
 .product-card img{height:125px}
 .product-card div{padding:11px}
 .weight-grid{gap:12px}
 .weight-grid img{height:140px}
 .trust-points{grid-template-columns:1fr;gap:12px}
 .policy-grid{grid-template-columns:1fr;gap:10px}
 .policy-grid button{min-height:0;padding:17px 15px}
 .portal-card{padding:19px}
 .contact-details{padding:18px}
 .footer-ref .footer-grid{gap:22px 14px}
 .footer-ref .footer-brand img{width:58px;height:58px}
 .modal-card{padding:25px 20px}
}