:root {
  --rate-green: #2d8659;
  --rate-green-deep: #1a5d3a;
  --rate-green-soft: #d4ebde;
  --rate-orange: #e8782e;
  --rate-orange-deep: #c45a1a;
  --rate-yellow: #f4c430;

  --ink: #131818;
  --ink-soft: #2a3439;
  --muted: #5a646b;
  --paper: #fbfaf6;
  --cream: #f5f1e8;
  --panel: #ffffff;
  --line: #e2e0d8;
  --line-soft: #ecebe4;
  --dark: #0e1614;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: 'Inter', ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: var(--rate-green-deep); text-decoration: none; transition: opacity .15s ease; }
a:hover { opacity: .8; }

/* Micro bar */
.micro-bar {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 24px;
  background: var(--ink);
  color: rgba(255,255,255,.92);
  font-size: 13px;
  font-weight: 500;
  flex-wrap: wrap;
}

.micro-back { color: var(--rate-yellow); font-weight: 600; }
.micro-back:hover { opacity: 1; color: #fff; }

.micro-mark {
  display: inline-grid;
  place-items: center;
  width: 26px;
  height: 26px;
  border-radius: 6px;
  background: var(--rate-green);
  color: #fff;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 12px;
}

.micro-text { font-weight: 600; }

.micro-pill {
  margin-left: auto;
  padding: 4px 12px;
  background: rgba(255,255,255,.1);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--rate-yellow);
}

/* Hero */
.hero {
  position: relative;
  padding: 80px 24px 56px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -180px;
  right: -180px;
  width: 540px;
  height: 540px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(244,196,48,.18), transparent 70%);
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -200px;
  left: -100px;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(45,134,89,.15), transparent 70%);
  z-index: 0;
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 920px;
  margin: 0 auto;
}

.kicker {
  display: inline-block;
  padding: 5px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--panel);
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}

h1 {
  margin: 22px 0 18px;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: clamp(38px, 6vw, 72px);
  line-height: 1.05;
  letter-spacing: -0.025em;
  color: var(--ink);
}
h1 em { font-style: italic; font-weight: 500; color: var(--rate-orange-deep); }

h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  letter-spacing: -0.02em;
  line-height: 1.18;
  color: var(--ink);
}
h2 { margin: 0 0 14px; font-size: clamp(28px, 3.6vw, 42px); font-weight: 600; }
h3 { margin: 0 0 8px; font-size: 19px; font-weight: 600; }
h4 { margin: 0 0 10px; font-size: 14px; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }

.h-light { color: #fff; }

p { margin: 0 0 14px; color: var(--ink-soft); }

.lead {
  max-width: 720px;
  font-size: clamp(17px, 1.6vw, 20px);
  color: var(--ink-soft);
  line-height: 1.5;
  margin-bottom: 32px;
}

.lead-2 {
  max-width: 760px;
  font-size: 18px;
  color: var(--ink-soft);
  margin-bottom: 32px;
}

.lead-light { color: rgba(255,255,255,.88); }

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.hero-ctas-center { justify-content: center; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
}
.btn-lg { padding: 16px 28px; font-size: 16px; }

.btn-primary { background: var(--rate-green); color: #fff; }
.btn-primary:hover { background: var(--rate-green-deep); transform: translateY(-1px); box-shadow: 0 8px 24px -8px rgba(26,93,58,.55); opacity: 1; }

.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; opacity: 1; }

.btn-yellow { background: var(--rate-yellow); color: var(--ink); }
.btn-yellow:hover { background: #ebbb22; transform: translateY(-1px); box-shadow: 0 8px 24px -8px rgba(244,196,48,.55); opacity: 1; }

.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-ghost-light:hover { background: #fff; color: var(--ink); opacity: 1; }

/* Bands */
.band { padding: 80px 24px; }
.band-cream { background: var(--cream); }
.band-green { background: linear-gradient(160deg, var(--rate-green) 0%, var(--rate-green-deep) 100%); color: #fff; }
.band-green p { color: rgba(255,255,255,.85); }
.band-dark { background: var(--dark); color: #fff; }
.band-dark p { color: rgba(255,255,255,.8); }

.container { max-width: 1100px; margin: 0 auto; }

.eyebrow {
  display: inline-block;
  padding: 5px 12px;
  margin-bottom: 14px;
  background: var(--cream);
  border-radius: 999px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.eyebrow-light {
  background: rgba(255,255,255,.15);
  color: var(--rate-yellow);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}

.mt-32 { margin-top: 32px; }

/* Quote block */
.quote-block {
  position: relative;
  padding: 32px 28px;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 16px;
  align-self: center;
}
.quote-block::before {
  content: '"';
  position: absolute;
  top: -10px;
  left: 24px;
  font-family: 'Playfair Display', serif;
  font-size: 92px;
  line-height: 1;
  color: var(--rate-orange);
  opacity: .25;
}

blockquote {
  margin: 0 0 12px;
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: 20px;
  line-height: 1.4;
  color: var(--ink);
}

cite {
  font-style: normal;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
}

/* Steps */
.steps {
  display: grid;
  gap: 16px;
  margin-top: 32px;
}

.step {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 20px;
  padding: 24px 28px;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 16px;
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}

.step:hover {
  transform: translateY(-2px);
  border-color: var(--rate-green-soft);
  box-shadow: 0 12px 24px -16px rgba(0,0,0,.08);
}

.step-num {
  display: grid;
  place-items: center;
  width: 56px;
  height: 56px;
  background: var(--rate-green-soft);
  color: var(--rate-green-deep);
  border-radius: 50%;
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
}

.step-body h3 { font-size: 19px; margin-bottom: 6px; }
.step-body p { margin: 0; font-size: 15px; line-height: 1.55; }

/* Metrics */
.metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin: 32px 0 48px;
}

.metric {
  padding: 24px 20px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 14px;
  text-align: center;
}

.metric-num {
  font-family: 'Playfair Display', serif;
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 700;
  color: var(--rate-yellow);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}

.metric-label {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.85);
  line-height: 1.3;
}

/* Example list */
.example-list {
  margin-top: 16px;
}

.example-list h3 {
  font-size: 22px;
  margin-bottom: 18px;
}

.example-row {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 20px;
  padding: 22px 24px;
  margin-bottom: 12px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 14px;
  transition: background .2s ease;
}

.example-row:hover { background: rgba(255,255,255,.1); }

.example-rank {
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--rate-yellow);
  letter-spacing: -0.02em;
}

.example-body strong {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 4px;
}

.example-meta {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
  color: var(--rate-yellow);
  margin-bottom: 10px;
}

.example-body p {
  margin: 0;
  font-size: 14px;
  line-height: 1.55;
  color: rgba(255,255,255,.85);
}

.footnote {
  margin-top: 28px;
  padding: 20px 24px;
  background: rgba(255,255,255,.05);
  border-radius: 12px;
  border: 1px dashed rgba(255,255,255,.18);
}

.footnote p {
  margin: 0;
  font-size: 14px;
  color: rgba(255,255,255,.78);
  line-height: 1.55;
}

/* Tags */
.tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 24px 0;
}

.tag {
  display: inline-block;
  padding: 8px 14px;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  transition: background .15s ease, border-color .15s ease;
}

.tag:hover {
  background: var(--rate-green-soft);
  border-color: var(--rate-green);
}

/* Check list */
.check-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.check-list li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 10px;
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-soft);
}

.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 1px;
  width: 20px;
  height: 20px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--rate-green);
  color: #fff;
  font-size: 12px;
  font-weight: 800;
}

/* CTA card dark */
.cta-card-dark {
  text-align: center;
  padding: 48px 36px;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 24px;
  max-width: 760px;
  margin: 0 auto;
}

.cta-card-dark h2 { margin-bottom: 14px; }
.cta-card-dark p { max-width: 600px; margin: 0 auto 24px; font-size: 17px; color: rgba(255,255,255,.85); }

/* Footer */
.footer {
  padding: 28px 24px;
  background: var(--ink);
  color: rgba(255,255,255,.6);
  font-size: 13px;
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: space-between;
  align-items: center;
}

.footer strong { color: #fff; }
.footer a { color: var(--rate-yellow); }

/* Responsive */
@media (max-width: 800px) {
  .grid-2 { grid-template-columns: 1fr; }
  .metrics { grid-template-columns: repeat(2, 1fr); }
  .step { grid-template-columns: 48px 1fr; padding: 20px; }
  .step-num { width: 44px; height: 44px; font-size: 18px; }
  .example-row { grid-template-columns: 40px 1fr; padding: 18px; }
  .example-rank { font-size: 24px; }
  .footer-inner { flex-direction: column; align-items: flex-start; }
}