:root {
      --midnight: #0a192f;
      --midnight-deep: #060f1e;
      --slate: #8892a4;
      --slate-light: #a8b2c4;
      --gold: #D4AF37;
      --gold-light: #e8cc6a;
      --gold-dim: rgba(212, 175, 55, 0.15);
      --gold-border: rgba(212, 175, 55, 0.3);
      --white: #ffffff;
      --card-bg: rgba(13, 34, 64, 0.7);
      --text-muted: #6b7a90;
      --serif: 'Cormorant Garamond', Georgia, serif;
      --sans: 'DM Sans', sans-serif;
      --radius: 12px;
      --radius-lg: 20px;
      --shadow-gold: 0 0 40px rgba(212, 175, 55, 0.12);
      --shadow-card: 0 8px 40px rgba(0, 0, 0, 0.4);
      --tr: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    }

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

    html {
      scroll-behavior: smooth
    }

    body {
      font-family: var(--sans);
      background: var(--midnight-deep);
      color: #fff;
      overflow-x: hidden;
      line-height: 1.7
    }

    ::-webkit-scrollbar {
      width: 6px
    }

    ::-webkit-scrollbar-track {
      background: var(--midnight-deep)
    }

    ::-webkit-scrollbar-thumb {
      background: var(--gold-border);
      border-radius: 3px
    }

    body::before {
      content: '';
      position: fixed;
      inset: 0;
      background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
      pointer-events: none;
      z-index: 0;
      opacity: 0.5
    }

    /* NAVBAR */
    .navbar-z {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 1000;
      padding: 1.1rem 0;
      transition: var(--tr);
      background: transparent
    }

    .navbar-z.scrolled {
      background: rgba(6, 15, 30, 0.92);
      backdrop-filter: blur(20px);
      border-bottom: 1px solid var(--gold-border);
      padding: .75rem 0;
      box-shadow: 0 4px 30px rgba(0, 0, 0, .5)
    }

    .brand {
      font-family: var(--serif);
      font-size: 1.6rem;
      font-weight: 600;
      color: #fff !important;
      letter-spacing: .02em;
      text-decoration: none
    }

    .brand span {
      color: var(--gold)
    }

    .nl {
      color: var(--slate-light) !important;
      font-size: .875rem;
      font-weight: 500;
      letter-spacing: .05em;
      text-transform: uppercase;
      padding: .5rem 1rem !important;
      transition: var(--tr);
      text-decoration: none
    }

    .nl:hover {
      color: var(--gold) !important
    }

    .nl-login {
      color: var(--gold) !important;
      border: 1px solid var(--gold-border);
      border-radius: 6px;
      background: transparent
    }

    .nl-login:hover {
      background: var(--gold-dim);
      border-color: var(--gold)
    }

    .nl-apply {
      background: var(--gold);
      color: var(--midnight-deep) !important;
      border-radius: 6px;
      font-weight: 600;
      border: none
    }

    .nl-apply:hover {
      background: var(--gold-light);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(212, 175, 55, .3)
    }

    .ntog {
      border: 1px solid var(--gold-border);
      padding: .3rem .6rem;
      border-radius: 6px;
      background: transparent;
      cursor: pointer
    }

    .ntog .bi {
      color: var(--gold);
      font-size: 1.2rem
    }

    /* HERO */
    .hero {
      position: relative;
      min-height: 100vh;
      display: flex;
      align-items: center;
      overflow: hidden;
      background: linear-gradient(135deg, var(--midnight-deep) 0%, var(--midnight) 50%, #0d2240 100%)
    }

    .orb {
      position: absolute;
      border-radius: 50%;
      filter: blur(80px);
      pointer-events: none
    }

    .o1 {
      width: 500px;
      height: 500px;
      background: radial-gradient(circle, rgba(212, 175, 55, .12) 0%, transparent 70%);
      top: -100px;
      right: -100px;
      animation: of 8s ease-in-out infinite
    }

    .o2 {
      width: 400px;
      height: 400px;
      background: radial-gradient(circle, rgba(10, 25, 47, .8) 0%, rgba(13, 34, 64, .6) 70%);
      bottom: -50px;
      left: -50px;
      animation: of 10s ease-in-out infinite reverse
    }

    .o3 {
      width: 300px;
      height: 300px;
      background: radial-gradient(circle, rgba(212, 175, 55, .07) 0%, transparent 70%);
      top: 40%;
      left: 30%;
      animation: of 12s ease-in-out infinite
    }

    @keyframes of {

      0%,
      100% {
        transform: translateY(0) scale(1)
      }

      50% {
        transform: translateY(-30px) scale(1.05)
      }
    }

    .hero::after {
      content: '';
      position: absolute;
      top: 0;
      right: 0;
      width: 1px;
      height: 100%;
      background: linear-gradient(to bottom, transparent, var(--gold-border), transparent)
    }

    .hc {
      position: relative;
      z-index: 1;
      padding-top: 100px
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: .6rem;
      font-size: .75rem;
      font-weight: 600;
      letter-spacing: .2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.5rem
    }

    .eyebrow::before {
      content: '';
      display: block;
      width: 32px;
      height: 1px;
      background: var(--gold)
    }

    .h1z {
      font-family: var(--serif);
      font-size: clamp(2.8rem, 6vw, 5rem);
      font-weight: 600;
      line-height: 1.1;
      color: #fff;
      margin-bottom: 1.5rem
    }

    .h1z em {
      font-style: italic;
      color: var(--gold);
      font-weight: 300
    }

    .hsub {
      font-size: 1.05rem;
      color: var(--slate-light);
      max-width: 480px;
      margin-bottom: 2.5rem;
      line-height: 1.8
    }

    .btn-g {
      display: inline-flex;
      align-items: center;
      gap: .6rem;
      background: var(--gold);
      color: var(--midnight-deep);
      font-size: .9rem;
      font-weight: 600;
      letter-spacing: .06em;
      text-transform: uppercase;
      padding: .9rem 2.2rem;
      border-radius: 8px;
      border: none;
      cursor: pointer;
      transition: var(--tr);
      text-decoration: none
    }

    .btn-g:hover {
      background: var(--gold-light);
      color: var(--midnight-deep);
      transform: translateY(-2px);
      box-shadow: 0 12px 35px rgba(212, 175, 55, .4)
    }

    .btn-gh {
      display: inline-flex;
      align-items: center;
      gap: .6rem;
      background: transparent;
      color: #fff;
      font-size: .9rem;
      font-weight: 500;
      padding: .9rem 2rem;
      border-radius: 8px;
      border: 1px solid rgba(255, 255, 255, .2);
      cursor: pointer;
      transition: var(--tr);
      text-decoration: none
    }

    .btn-gh:hover {
      border-color: var(--gold-border);
      color: var(--gold);
      background: var(--gold-dim)
    }

    .hstats {
      display: flex;
      gap: 2.5rem;
      margin-top: 3rem;
      padding-top: 2rem;
      border-top: 1px solid rgba(255, 255, 255, .08);
      flex-wrap: wrap
    }

    .sv {
      font-family: var(--serif);
      font-size: 1.9rem;
      font-weight: 600;
      color: var(--gold);
      line-height: 1
    }

    .sl {
      font-size: .75rem;
      color: var(--slate);
      letter-spacing: .08em;
      text-transform: uppercase;
      margin-top: .25rem
    }

    .hcard {
      background: var(--card-bg);
      border: 1px solid var(--gold-border);
      border-radius: var(--radius-lg);
      padding: 2rem;
      backdrop-filter: blur(20px);
      box-shadow: var(--shadow-gold), var(--shadow-card);
      animation: cf 6s ease-in-out infinite
    }

    @keyframes cf {

      0%,
      100% {
        transform: translateY(0)
      }

      50% {
        transform: translateY(-12px)
      }
    }

    .hch {
      display: flex;
      align-items: center;
      justify-content: space-between;
      margin-bottom: 1.5rem
    }

    .mlogo {
      font-family: var(--serif);
      font-size: .9rem;
      color: var(--gold);
      font-weight: 600
    }

    .cbadge {
      background: rgba(212, 175, 55, .1);
      border: 1px solid var(--gold-border);
      color: var(--gold);
      font-size: .7rem;
      font-weight: 600;
      letter-spacing: .1em;
      text-transform: uppercase;
      padding: .25rem .7rem;
      border-radius: 30px
    }

    .lad {
      font-family: var(--serif);
      font-size: 2.8rem;
      font-weight: 600;
      color: #fff;
      line-height: 1;
      margin-bottom: .3rem
    }

    .ll {
      font-size: .75rem;
      color: var(--slate);
      letter-spacing: .1em;
      text-transform: uppercase;
      margin-bottom: 1.5rem
    }

    .lpb {
      height: 4px;
      background: rgba(255, 255, 255, .08);
      border-radius: 2px;
      margin-bottom: 1.5rem;
      overflow: hidden
    }

    .lpbf {
      height: 100%;
      width: 68%;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      border-radius: 2px;
      animation: pa 2s ease-out forwards
    }

    @keyframes pa {
      from {
        width: 0
      }

      to {
        width: 68%
      }
    }

    .ldr {
      display: flex;
      justify-content: space-between;
      margin-bottom: 1.25rem
    }

    .ldv {
      font-family: var(--serif);
      font-size: 1.1rem;
      font-weight: 600;
      color: #fff
    }

    .ldk {
      font-size: .7rem;
      color: var(--slate);
      text-transform: uppercase;
      letter-spacing: .08em
    }

    .abadge {
      display: flex;
      align-items: center;
      gap: .5rem;
      background: rgba(34, 197, 94, .1);
      border: 1px solid rgba(34, 197, 94, .3);
      border-radius: 8px;
      padding: .7rem 1rem
    }

    .adot {
      width: 8px;
      height: 8px;
      background: #22c55e;
      border-radius: 50%;
      animation: pl 2s ease-in-out infinite
    }

    @keyframes pl {

      0%,
      100% {
        opacity: 1;
        transform: scale(1)
      }

      50% {
        opacity: .6;
        transform: scale(.9)
      }
    }

    .at {
      font-size: .8rem;
      color: #22c55e;
      font-weight: 600;
      letter-spacing: .06em
    }

    .fbadge {
      position: absolute;
      background: var(--card-bg);
      border: 1px solid var(--gold-border);
      border-radius: 10px;
      padding: .7rem 1rem;
      backdrop-filter: blur(10px);
      box-shadow: var(--shadow-card)
    }

    .fb1 {
      top: -20px;
      left: -30px;
      animation: f1 5s ease-in-out infinite
    }

    .fb2 {
      bottom: -15px;
      right: -20px;
      animation: f2 7s ease-in-out infinite
    }

    @keyframes f1 {

      0%,
      100% {
        transform: translateY(0) rotate(-2deg)
      }

      50% {
        transform: translateY(-8px) rotate(0)
      }
    }

    @keyframes f2 {

      0%,
      100% {
        transform: translateY(0) rotate(1deg)
      }

      50% {
        transform: translateY(-10px) rotate(-1deg)
      }
    }

    .fbl {
      font-size: .65rem;
      color: var(--slate);
      text-transform: uppercase;
      letter-spacing: .1em
    }

    .fbv {
      font-family: var(--serif);
      font-size: 1rem;
      font-weight: 600;
      color: var(--gold)
    }

    /* SECTION COMMONS */
    section {
      position: relative;
      z-index: 1
    }

    .sec-ey {
      display: inline-flex;
      align-items: center;
      gap: .6rem;
      font-size: .72rem;
      font-weight: 600;
      letter-spacing: .2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1rem
    }

    .sec-ey::before {
      content: '';
      display: block;
      width: 24px;
      height: 1px;
      background: var(--gold)
    }

    .sec-title {
      font-family: var(--serif);
      font-size: clamp(2rem, 4vw, 3rem);
      font-weight: 600;
      line-height: 1.15;
      color: #fff;
      margin-bottom: 1rem
    }

    .sec-title em {
      color: var(--gold);
      font-style: italic;
      font-weight: 300
    }

    .sec-sub {
      font-size: 1rem;
      color: var(--slate-light);
      max-width: 520px;
      line-height: 1.8
    }

    .dg {
      width: 48px;
      height: 2px;
      background: linear-gradient(90deg, var(--gold), transparent);
      margin-bottom: 1.5rem
    }

    /* TRUST BAR */
    .tbar {
      background: rgba(13, 34, 64, .5);
      border-top: 1px solid rgba(255, 255, 255, .06);
      border-bottom: 1px solid rgba(255, 255, 255, .06);
      padding: 1.2rem 0
    }

    .ti {
      display: flex;
      align-items: center;
      gap: .7rem;
      color: var(--slate-light);
      font-size: .82rem;
      font-weight: 500;
      letter-spacing: .04em
    }

    .ti .bi {
      color: var(--gold);
      font-size: 1rem
    }

    /* WHY */
    .why {
      padding: 6rem 0;
      background: linear-gradient(180deg, var(--midnight-deep) 0%, var(--midnight) 100%)
    }

    .fc {
      background: var(--card-bg);
      border: 1px solid rgba(255, 255, 255, .07);
      border-radius: var(--radius-lg);
      padding: 2.2rem;
      height: 100%;
      transition: var(--tr);
      position: relative;
      overflow: hidden
    }

    .fc::before {
      content: '';
      position: absolute;
      top: 0;
      left: 0;
      right: 0;
      height: 2px;
      background: linear-gradient(90deg, transparent, var(--gold), transparent);
      transform: scaleX(0);
      transition: var(--tr)
    }

    .fc:hover {
      border-color: var(--gold-border);
      transform: translateY(-6px);
      box-shadow: var(--shadow-gold), var(--shadow-card)
    }

    .fc:hover::before {
      transform: scaleX(1)
    }

    .fiw {
      width: 52px;
      height: 52px;
      background: var(--gold-dim);
      border: 1px solid var(--gold-border);
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 1.5rem;
      transition: var(--tr)
    }

    .fc:hover .fiw {
      background: rgba(212, 175, 55, .2);
      box-shadow: 0 0 20px rgba(212, 175, 55, .2)
    }

    .fiw .bi {
      color: var(--gold);
      font-size: 1.3rem
    }

    .ft {
      font-family: var(--serif);
      font-size: 1.25rem;
      font-weight: 600;
      color: #fff;
      margin-bottom: .8rem
    }

    .ftx {
      font-size: .9rem;
      color: var(--slate-light);
      line-height: 1.8
    }

    .fn {
      position: absolute;
      bottom: 1.5rem;
      right: 1.5rem;
      font-family: var(--serif);
      font-size: 4rem;
      font-weight: 700;
      color: rgba(212, 175, 55, .05);
      line-height: 1;
      user-select: none
    }

    /* HOW */
    .how {
      padding: 6rem 0;
      background: var(--midnight-deep)
    }

    .si {
      display: flex;
      gap: 1.5rem;
      margin-bottom: 2.5rem;
      opacity: 0;
      transform: translateX(-20px);
      transition: opacity .5s ease, transform .5s ease
    }

    .si.visible {
      opacity: 1;
      transform: translateX(0)
    }

    .sn {
      flex-shrink: 0;
      width: 44px;
      height: 44px;
      border: 1px solid var(--gold-border);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: var(--serif);
      font-size: 1rem;
      font-weight: 600;
      color: var(--gold);
      background: var(--gold-dim);
      position: relative
    }

    .sn::after {
      content: '';
      position: absolute;
      bottom: -2.5rem;
      left: 50%;
      transform: translateX(-50%);
      width: 1px;
      height: 2.5rem;
      background: linear-gradient(to bottom, var(--gold-border), transparent)
    }

    .si:last-child .sn::after {
      display: none
    }

    .sc {
      padding-top: .4rem
    }

    .stit {
      font-family: var(--serif);
      font-size: 1.15rem;
      font-weight: 600;
      color: #fff;
      margin-bottom: .4rem
    }

    .stxt {
      font-size: .875rem;
      color: var(--slate);
      line-height: 1.7
    }

    .rc {
      background: var(--card-bg);
      border: 1px solid var(--gold-border);
      border-radius: var(--radius-lg);
      padding: 2.5rem;
      box-shadow: var(--shadow-gold)
    }

    .rr {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 1rem 0;
      border-bottom: 1px solid rgba(255, 255, 255, .06)
    }

    .rr:last-child {
      border-bottom: none
    }

    .rl {
      font-size: .85rem;
      color: var(--slate)
    }

    .rv {
      font-family: var(--serif);
      font-size: 1.1rem;
      font-weight: 600;
      color: var(--gold)
    }

    /* TESTIMONIALS */
    .testi-sec {
      padding: 6rem 0;
      background: linear-gradient(180deg, var(--midnight) 0%, var(--midnight-deep) 100%)
    }

    .tcard {
      background: var(--card-bg);
      border: 1px solid rgba(255, 255, 255, .08);
      border-radius: var(--radius-lg);
      padding: 2rem;
      height: 100%;
      transition: var(--tr);
      position: relative
    }

    .tcard:hover {
      border-color: var(--gold-border);
      transform: translateY(-4px);
      box-shadow: var(--shadow-gold), 0 10px 40px rgba(0, 0, 0, .3)
    }

    .tstars {
      display: flex;
      gap: 3px;
      margin-bottom: 1.2rem
    }

    .tstars .bi {
      color: var(--gold);
      font-size: .9rem
    }

    .tq {
      font-family: var(--serif);
      font-size: 1.05rem;
      color: #fff;
      line-height: 1.75;
      margin-bottom: 1.5rem;
      font-style: italic
    }

    .tq::before {
      content: '\201C';
      font-size: 2rem;
      color: var(--gold);
      line-height: 0;
      vertical-align: -.5rem;
      margin-right: 2px
    }

    .tauth {
      display: flex;
      align-items: center;
      gap: .85rem;
      padding-top: 1.25rem;
      border-top: 1px solid rgba(255, 255, 255, .07)
    }

    .tav {
      width: 44px;
      height: 44px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: var(--serif);
      font-size: 1rem;
      font-weight: 700;
      color: var(--midnight-deep);
      flex-shrink: 0
    }

    .tname {
      font-weight: 600;
      font-size: .9rem;
      color: #fff
    }

    .tmeta {
      font-size: .75rem;
      color: var(--slate)
    }

    .tamount {
      position: absolute;
      top: 1.5rem;
      right: 1.5rem;
      background: var(--gold-dim);
      border: 1px solid var(--gold-border);
      border-radius: 20px;
      padding: .2rem .65rem;
      font-size: .7rem;
      font-weight: 600;
      color: var(--gold);
      letter-spacing: .05em
    }

    .tstrip {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 2.5rem;
      flex-wrap: wrap;
      padding: 1.5rem;
      background: rgba(6, 15, 30, .5);
      border-radius: var(--radius);
      border: 1px solid rgba(255, 255, 255, .06);
      margin-top: 3rem
    }

    .tsitem {
      display: flex;
      align-items: center;
      gap: .5rem;
      font-size: .82rem;
      color: var(--slate-light)
    }

    .tsitem .bi {
      color: var(--gold);
      font-size: 1rem
    }

    /* ─── FORM ─── */
    .form-sec {
      padding: 6rem 0;
      background: var(--midnight-deep)
    }

    .fow {
      background: rgba(255, 255, 255, .97);
      border-radius: var(--radius-lg);
      overflow: hidden;
      box-shadow: 0 20px 60px rgba(0, 0, 0, .5)
    }

    /* dark header */
    .fth {
      background: #1e1a12;
      padding: 2rem 2.5rem;
      text-align: center
    }

    .ftt {
      font-family: var(--serif);
      font-size: 1.9rem;
      font-weight: 700;
      color: #fff;
      margin-bottom: .4rem
    }

    .fts {
      font-size: .9rem;
      color: rgba(255, 255, 255, .6)
    }

    /* white body */
    .fwb {
      background: #fff;
      padding: 2rem 2.5rem
    }

    .fmt {
      font-family: var(--serif);
      font-size: 1.35rem;
      font-weight: 700;
      color: #1a2030;
      text-align: center;
      margin-bottom: 2rem
    }

    /* section rows (NDP style: label | fields) */
    .frow {
      display: grid;
      grid-template-columns: 140px 1fr;
      gap: 1.5rem;
      align-items: start;
      padding: 1.75rem 0;
      border-bottom: 1px solid #e8eaf0
    }

    .frow:last-of-type {
      border-bottom: none
    }

    .fslabel {
      font-size: .72rem;
      font-weight: 700;
      letter-spacing: .14em;
      text-transform: uppercase;
      color: #7a8499;
      padding-top: .65rem
    }

    /* inputs */
    .fl {
      display: block;
      font-size: .82rem;
      font-weight: 600;
      color: #2d3748;
      margin-bottom: .4rem
    }

    .fhint {
      font-size: .72rem;
      color: #9aa3b2;
      margin-top: .3rem
    }

    .fi {
      width: 100%;
      background: #fff;
      border: 1.5px solid #d1d9e6;
      border-radius: 8px;
      color: #1a2030;
      font-family: var(--sans);
      font-size: .9rem;
      padding: .7rem 1rem;
      transition: var(--tr);
      outline: none;
      appearance: none;
      -webkit-appearance: none
    }

    .fi::placeholder {
      color: #b0b8c8
    }

    .fi:focus {
      border-color: #D4AF37;
      box-shadow: 0 0 0 3px rgba(212, 175, 55, .12)
    }

    select.fi {
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23D4AF37' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 1rem center;
      padding-right: 2.5rem;
      cursor: pointer
    }

    select.fi option {
      color: #1a2030;
      background: #fff
    }

    .rg {
      display: flex;
      gap: 1.2rem;
      flex-wrap: wrap
    }

    .ro {
      display: flex;
      align-items: center;
      gap: .5rem;
      cursor: pointer
    }

    .ro input[type="radio"] {
      accent-color: var(--gold);
      width: 16px;
      height: 16px;
      cursor: pointer
    }

    .ro span {
      font-size: .88rem;
      color: #2d3748
    }

    /* FINALLY dark block */
    .fb {
      background: #1e1a12;
      border-radius: var(--radius);
      padding: 2rem;
      margin-top: .5rem
    }

    .fbt {
      font-size: .8rem;
      font-weight: 700;
      letter-spacing: .15em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.25rem
    }

    .fid {
      width: 100%;
      background: rgba(255, 255, 255, .08);
      border: 1.5px solid rgba(255, 255, 255, .15);
      border-radius: 8px;
      color: #fff;
      font-family: var(--sans);
      font-size: .9rem;
      padding: .75rem 1rem;
      transition: var(--tr);
      outline: none;
      appearance: none;
      -webkit-appearance: none
    }

    .fid::placeholder {
      color: rgba(255, 255, 255, .3)
    }

    .fid:focus {
      border-color: var(--gold);
      box-shadow: 0 0 0 3px rgba(212, 175, 55, .15)
    }

    select.fid {
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23D4AF37' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 1rem center;
      padding-right: 2.5rem;
      cursor: pointer
    }

    select.fid option {
      background: #1e1a12;
      color: #fff
    }

    .fld {
      display: block;
      font-size: .82rem;
      font-weight: 600;
      color: rgba(255, 255, 255, .75);
      margin-bottom: .4rem
    }

    .sslr {
      display: flex;
      align-items: center;
      gap: .6rem;
      margin: .5rem 0 1.25rem
    }

    .sslr .bi {
      color: var(--gold);
      font-size: 1rem
    }

    .sslt {
      font-size: .72rem;
      font-weight: 700;
      letter-spacing: .08em;
      text-transform: uppercase;
      color: rgba(255, 255, 255, .6)
    }

    .ctxt {
      font-size: .78rem;
      color: rgba(255, 255, 255, .55);
      line-height: 1.65;
      margin-bottom: 1.2rem
    }

    .ctxt a {
      color: rgba(255, 255, 255, .75)
    }

    .form-check-input {
      background-color: rgba(255, 255, 255, 0.05) !important;
      border: 1.5px solid rgba(255, 255, 255, 0.2) !important;
      cursor: pointer;
      width: 1.25rem;
      height: 1.25rem;
      margin-right: 0.5rem;
    }

    .form-check-input:checked {
      background-color: var(--gold) !important;
      border-color: var(--gold) !important;
      background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3e%3cpath fill='none' stroke='%230a192f' stroke-linecap='round' stroke-linejoin='round' stroke-width='3' d='m6 10 3 3 6-6'/%3e%3c/svg%3e") !important;
    }

    .form-check-input:focus {
      box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.2) !important;
      border-color: var(--gold-border) !important;
    }

    .cmock {
      display: flex;
      align-items: center;
      gap: .75rem;
      background: rgba(255, 255, 255, .06);
      border: 1px solid rgba(255, 255, 255, .12);
      border-radius: 6px;
      padding: .85rem 1.1rem;
      margin-bottom: 1.25rem
    }

    .cchk {
      width: 22px;
      height: 22px;
      border: 2px solid rgba(255, 255, 255, .3);
      border-radius: 3px;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: var(--tr);
      flex-shrink: 0
    }

    .cchk.checked {
      background: var(--gold);
      border-color: var(--gold)
    }

    .cchk .bi {
      color: var(--midnight-deep);
      font-size: .75rem;
      display: none
    }

    .cchk.checked .bi {
      display: block
    }

    .clab {
      font-size: .85rem;
      color: rgba(255, 255, 255, .7)
    }

    .clogo {
      margin-left: auto;
      text-align: center
    }

    .clogo-i {
      font-size: 1.4rem;
      color: var(--gold);
      display: block
    }

    .clogo-t {
      font-size: .55rem;
      color: rgba(255, 255, 255, .4);
      display: block;
      letter-spacing: .05em
    }

    .btn-as {
      width: 100%;
      background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
      border: none;
      color: var(--midnight-deep);
      font-family: var(--sans);
      font-size: 1rem;
      font-weight: 700;
      letter-spacing: .1em;
      text-transform: uppercase;
      padding: 1rem;
      border-radius: 8px;
      cursor: pointer;
      transition: var(--tr)
    }

    .btn-as:hover {
      transform: translateY(-2px);
      box-shadow: 0 12px 35px rgba(212, 175, 55, .45)
    }

    .fdis {
      font-size: .72rem;
      color: #9aa3b2;
      line-height: 1.65;
      text-align: center;
      margin-top: 1.5rem;
      padding: 1rem;
      background: #f8f9fc;
      border-radius: 8px
    }

    /* SUCCESS */
    .sov {
      display: none;
      position: fixed;
      inset: 0;
      background: rgba(6, 15, 30, .95);
      z-index: 2000;
      align-items: center;
      justify-content: center;
      backdrop-filter: blur(10px)
    }

    .sov.visible {
      display: flex;
      animation: fi 0.3s ease
    }

    @keyframes fi {
      from {
        opacity: 0
      }

      to {
        opacity: 1
      }
    }

    .scard {
      background: var(--card-bg);
      border: 1px solid var(--gold-border);
      border-radius: var(--radius-lg);
      padding: 3rem;
      max-width: 500px;
      width: 90%;
      text-align: center;
      box-shadow: var(--shadow-gold), var(--shadow-card)
    }

    .sicon {
      width: 72px;
      height: 72px;
      background: rgba(34, 197, 94, .1);
      border: 2px solid rgba(34, 197, 94, .4);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 1.5rem
    }

    .sicon .bi {
      color: #22c55e;
      font-size: 2rem
    }

    .stitle {
      font-family: var(--serif);
      font-size: 1.8rem;
      font-weight: 600;
      color: #fff;
      margin-bottom: .75rem
    }

    .stxt2 {
      font-size: .9rem;
      color: var(--slate-light);
      line-height: 1.7;
      margin-bottom: 1.5rem
    }

    .sref {
      background: var(--gold-dim);
      border: 1px solid var(--gold-border);
      border-radius: 8px;
      padding: .75rem 1.2rem;
      font-family: var(--serif);
      font-size: 1rem;
      color: var(--gold);
      margin-bottom: 1.5rem
    }

    /* FOOTER */
    .foot {
      background: var(--midnight-deep);
      border-top: 1px solid rgba(255, 255, 255, .06);
      padding: 4rem 0 2rem
    }

    .fbrand {
      font-family: var(--serif);
      font-size: 1.5rem;
      font-weight: 600;
      color: #fff;
      margin-bottom: .75rem
    }

    .fbrand span {
      color: var(--gold)
    }

    .fdesc {
      font-size: .85rem;
      color: var(--slate);
      line-height: 1.8;
      max-width: 280px
    }

    .fh {
      font-size: .72rem;
      font-weight: 700;
      letter-spacing: .15em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.2rem
    }

    .flinks {
      list-style: none;
      padding: 0;
      margin: 0
    }

    .flinks li {
      margin-bottom: .6rem
    }

    .flinks a {
      color: var(--slate);
      font-size: .875rem;
      text-decoration: none;
      transition: var(--tr)
    }

    .flinks a:hover {
      color: var(--gold);
      padding-left: 4px
    }

    .fdiv {
      border-top: 1px solid rgba(255, 255, 255, .06);
      margin: 2.5rem 0 1.5rem
    }

    .fbot {
      display: flex;
      justify-content: space-between;
      align-items: center;
      font-size: .78rem;
      color: var(--slate);
      flex-wrap: wrap;
      gap: .5rem
    }

    .fdiscl {
      font-size: .72rem;
      color: var(--text-muted);
      line-height: 1.7;
      margin-top: 1rem;
      padding: 1rem;
      border: 1px solid rgba(255, 255, 255, .04);
      border-radius: 8px;
      background: rgba(6, 15, 30, .3)
    }

    /* RESPONSIVE */
    @media(max-width:991px) {
      .frow {
        grid-template-columns: 1fr;
        gap: .75rem
      }

      .fslabel {
        padding-top: 0
      }

      .hero-visual {
        margin-top: 3rem
      }
    }

    @media(max-width:767px) {
      .h1z {
        font-size: 2.5rem
      }

      .hstats {
        gap: 1rem
      }

      .fwb {
        padding: 1.5rem
      }

      .fth {
        padding: 1.5rem
      }

      .fb {
        padding: 1.25rem
      }

      .fb1,
      .fb2 {
        display: none
      }
    }

    .error-text {
      color: #ff3b30;
      font-size: 0.72rem;
      font-weight: 500;
      display: none;
      margin-top: 4px;
      animation: fadeInError 0.3s ease-out;
    }

    @keyframes fadeInError {
      from {
        opacity: 0;
        transform: translateY(-3px);
      }

      to {
        opacity: 1;
        transform: translateY(0);
      }
    }

    /* LEGAL PAGES */
    .legal-hero {
      padding: 8rem 0 4rem;
      background: linear-gradient(135deg, var(--midnight-deep) 0%, var(--midnight) 100%);
      border-bottom: 1px solid var(--gold-border);
    }

    .legal-body {
      padding: 5rem 0;
      background: var(--midnight-deep);
      color: var(--slate-light);
      line-height: 1.8;
    }

    .legal-body h2 {
      font-family: var(--serif);
      color: var(--white);
      margin-top: 2.5rem;
      margin-bottom: 1rem;
    }

    .legal-body p {
      margin-bottom: 1.5rem;
    }

    .legal-body ul {
      margin-bottom: 1.5rem;
      padding-left: 1.5rem;
    }

    .legal-body li {
      margin-bottom: 0.5rem;
    }