:root{--ink:#1B1A16;--ink-2:#3A382F;--paper:#F6F3EC;--panel:#FFFFFF;--green:#143028;--green-2:#0E241F;--gold:#B0894E;--gold-d:#8A6A36;--line:#E7E1D3;--line-d:rgba(255,255,255,.14);--mute:#6E6A5E;--mute-l:#B9B3A4;--maxw:1180px;--serif:"Fraunces",Georgia,serif;--body:"Inter",system-ui,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}svg{display:block}
img,svg,select,input,textarea{max-width:100%}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:3px}
html[data-lang="fr"] [data-l]:not([data-l="fr"]),html[data-lang="de"] [data-l]:not([data-l="de"]),html[data-lang="it"] [data-l]:not([data-l="it"]),html[data-lang="en"] [data-l]:not([data-l="en"]){display:none!important}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{display:inline-block;font-family:var(--body);font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-d);font-weight:600}
.section{padding:84px 0}
.sec-head{max-width:660px;margin:0 auto 52px;text-align:center}
.sec-head h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.9rem,4vw,3rem);line-height:1.08;letter-spacing:-.01em;margin-top:14px}
.sec-head p{margin-top:14px;color:var(--ink-2)}
.rv{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}.rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}
/* header */
header.nav{position:fixed;top:0;left:0;right:0;z-index:50;display:flex;align-items:center;justify-content:space-between;padding:18px 28px;transition:background .4s,padding .4s,border-color .4s;border-bottom:1px solid transparent}
header.nav.scrolled{background:rgba(20,48,40,.95);backdrop-filter:blur(10px);padding:13px 28px;border-bottom:1px solid var(--line-d)}
.brand{font-family:var(--serif);font-size:1.4rem;font-weight:600;letter-spacing:.01em;color:#fff;display:flex;align-items:center;gap:10px}
.brand .mk{width:30px;height:30px;flex:none}
.brand b{font-weight:600}.brand span{color:var(--gold)}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a.lnk{font-size:.9rem;color:#fff;opacity:.82;transition:opacity .2s}
.nav-links a.lnk:hover{opacity:1}
.nav-cta{font-family:var(--body);font-weight:600;background:var(--gold);color:#241a08!important;border-radius:7px;padding:10px 18px!important;font-size:.85rem;transition:background .2s,transform .2s}
.nav-cta:hover{background:#c69a5b;transform:translateY(-1px)}
.lang-switch{display:flex;gap:1px;border:1px solid var(--line-d);border-radius:7px;padding:3px;background:rgba(255,255,255,.08)}
.lang-switch button{border:0;background:none;color:#fff;opacity:.7;font-family:var(--body);font-size:.72rem;font-weight:600;padding:5px 8px;border-radius:5px;cursor:pointer;transition:.2s}
.lang-switch button:hover{opacity:1}.lang-switch button.active{background:var(--gold);color:#241a08;opacity:1}
.nav-toggle{display:none}
.btn{display:inline-flex;align-items:center;gap:9px;padding:15px 28px;border-radius:8px;font-family:var(--body);font-size:.95rem;font-weight:600;cursor:pointer;transition:transform .2s,background .25s,border-color .25s;border:0}
.btn-primary{background:var(--gold);color:#241a08}
.btn-primary:hover{background:#c69a5b;transform:translateY(-2px)}
.btn-ghost{border:1px solid rgba(255,255,255,.34);color:#fff;background:none}
.btn-ghost:hover{border-color:var(--gold);transform:translateY(-2px)}
/* hero */
.hero{position:relative;min-height:100svh;display:flex;align-items:center;overflow:hidden;background:var(--green)}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(70% 60% at 78% 18%,rgba(176,137,78,.22),transparent 60%),radial-gradient(60% 60% at 10% 100%,rgba(176,137,78,.10),transparent 60%)}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:60px 60px;mask-image:linear-gradient(180deg,transparent,rgba(0,0,0,.5) 60%,transparent)}
.hero-inner{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:120px 28px 80px;color:#fff;width:100%}
.hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(2.5rem,6vw,4.6rem);line-height:1.04;letter-spacing:-.01em;margin:22px 0 0;max-width:16ch}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero .lede{margin-top:24px;max-width:52ch;font-size:1.08rem;color:#DED8C9}
.hero-actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:34px}
.hero-meta{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:40px;padding-top:22px;border-top:1px solid var(--line-d);font-size:.83rem;color:#CFC8B8}
.hero-meta span{display:inline-flex;align-items:center;gap:9px}
.dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex:none}
/* trust strip */
.trust{background:var(--green-2);color:#EDE7D8}
.trust .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 34px;padding:22px 28px;font-family:var(--body);font-size:.9rem}
.trust span{display:inline-flex;align-items:center;gap:9px}
/* cards grid */
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:13px;padding:24px 22px;transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 26px 52px -38px rgba(20,48,40,.5);border-color:var(--gold)}
.card .ic{width:42px;height:42px;border-radius:10px;background:#F1EADA;display:flex;align-items:center;justify-content:center;color:var(--gold-d);margin-bottom:14px}
.card .ic svg{width:22px;height:22px}
.card h3{font-family:var(--serif);font-weight:600;font-size:1.12rem;margin-bottom:5px}
.card p{font-size:.9rem;color:var(--ink-2)}
/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;padding:30px 26px;background:var(--panel);border:1px solid var(--line);border-radius:13px}
.step .num{font-family:var(--serif);font-weight:600;font-size:2.2rem;color:var(--gold)}
.step h3{font-family:var(--serif);font-weight:600;font-size:1.15rem;margin:10px 0 6px}
.step p{font-size:.92rem;color:var(--ink-2)}
/* benefits */
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:16px 30px}
.benefit{display:flex;gap:13px;align-items:flex-start;padding:14px 0;border-top:1px solid var(--line)}
.benefit svg{width:22px;height:22px;color:var(--gold-d);flex:none;margin-top:2px}
.benefit b{font-family:var(--serif);font-weight:600;font-size:1.02rem}
.benefit p{font-size:.88rem;color:var(--ink-2);margin-top:2px}
/* estimator + form (dark panel) */
.panel{background:linear-gradient(150deg,#173a31,#0f261f);color:#fff}
.panel .wrap{padding:84px 28px}
.panel .sec-head h2{color:#fff}.panel .sec-head p{color:#CFC8B8}
.tool{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:stretch;max-width:980px;margin:0 auto}
.tool-card{background:rgba(255,255,255,.05);border:1px solid var(--line-d);border-radius:15px;padding:28px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px;min-width:0}
.field label{font-size:.8rem;font-weight:600;color:#DED8C9}
.field input,.field select,.field textarea{font-family:var(--body);font-size:1rem;border:1px solid rgba(255,255,255,.2);border-radius:9px;padding:12px 14px;background:rgba(255,255,255,.06);color:#fff;width:100%;min-width:0}
.field input::placeholder,.field textarea::placeholder{color:#9a9484}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold)}
.field textarea{min-height:92px;resize:vertical}
.field select option{color:#111}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.result{background:rgba(176,137,78,.14);border:1px solid rgba(176,137,78,.4);border-radius:13px;padding:24px;text-align:center;margin-top:4px}
.result .lab{font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700}
.result .val{font-family:var(--serif);font-weight:600;font-size:clamp(1.7rem,4vw,2.6rem);margin-top:8px;line-height:1.1}
.result .note{font-size:.8rem;color:#BDB6A6;margin-top:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.83rem;color:#C7C1B2;margin:4px 0 14px}
.consent input{width:18px;height:18px;accent-color:var(--gold);margin-top:2px;flex:none}
.errmsg{color:#F4B6A2;font-size:.85rem;margin-bottom:10px;display:none}.errmsg.show{display:block}
.okmsg{background:rgba(176,137,78,.16);border:1px solid rgba(176,137,78,.45);color:#F0D9AE;border-radius:11px;padding:18px;display:none}.okmsg.show{display:block}
.telline{font-family:var(--serif);font-weight:600;color:#fff}.telline:hover{color:var(--gold)}
/* coverage */
.chips{display:flex;flex-wrap:wrap;gap:9px;justify-content:center}
.chip{font-size:.9rem;background:var(--panel);border:1px solid var(--line);border-radius:100px;padding:8px 16px;transition:.18s}
.chip:hover{border-color:var(--gold);color:var(--gold-d);transform:translateY(-1px)}
/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:24px;align-items:center;padding:20px 0;font-family:var(--serif);font-weight:600;font-size:1.1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-d);font-size:1.5rem;transition:transform .3s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--ink-2);padding:0 0 20px;max-width:72ch}
/* footer */
footer.site{background:var(--green-2);color:#B7B1A2;padding:54px 0 50px;font-size:.9rem;border-top:1px solid var(--line-d)}
footer.site .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:28px}
footer .brand{font-size:1.5rem;margin-bottom:8px}
.foot-meta{line-height:1.9}.foot-meta a:hover{color:var(--gold)}
.legal{max-width:var(--maxw);margin:32px auto 0;padding:18px 28px 0;border-top:1px solid var(--line-d);font-size:.78rem;color:var(--mute-l);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
@media(max-width:920px){.grid{grid-template-columns:1fr 1fr}.steps,.benefits{grid-template-columns:1fr}.tool{grid-template-columns:1fr;gap:26px}}
@media(max-width:880px){
 .nav-links{position:fixed;inset:0 0 auto 0;flex-direction:column;align-items:flex-start;gap:8px;background:rgba(14,38,31,.98);backdrop-filter:blur(12px);padding:84px 28px 26px;transform:translateY(-110%);transition:transform .4s cubic-bezier(.2,.7,.2,1);border-bottom:1px solid var(--line-d)}
 .nav-links.open{transform:translateY(0)}.nav-links a.lnk{font-size:1.1rem;padding:8px 0}
 .nav-toggle{display:flex;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;z-index:60;padding:6px}
 .nav-toggle span{width:24px;height:2px;background:#fff;transition:transform .3s,opacity .3s}
 .nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
 .nav-toggle.open span:nth-child(2){opacity:0}
 .nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}
@media(max-width:560px){.row2{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ---- interior (programmatic) pages ---- */
.page-hero{background:var(--green);color:#fff;padding:120px 0 56px;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:54px 54px;mask-image:radial-gradient(70% 90% at 80% 0%,#000,transparent)}
.page-hero .wrap{position:relative}
.page-hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(1.9rem,4.4vw,3.1rem);line-height:1.06;letter-spacing:-.01em;color:#fff;margin-top:12px;max-width:20ch}
.page-hero .lede{margin-top:16px;max-width:60ch;color:#D8D2C4}
.page-hero .hero-actions{margin-top:24px}
.ic-lg{width:54px;height:54px;border-radius:12px;background:rgba(176,137,78,.18);display:flex;align-items:center;justify-content:center;color:var(--gold);margin-bottom:6px}
.ic-lg svg{width:28px;height:28px}
.crumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.8rem;color:#B6B09F}
.crumb a{color:#D2CCBE}.crumb a:hover{color:var(--gold)}
.crumb i{opacity:.5;font-style:normal}
.lang-switch a{border:0;background:none;color:#fff;opacity:.7;font-family:var(--body);font-size:.72rem;font-weight:600;padding:5px 8px;border-radius:5px;cursor:pointer;transition:.2s;text-decoration:none}
.lang-switch a:hover{opacity:1}.lang-switch a.active{background:var(--gold);color:#241a08;opacity:1}
.section.alt{background:#F1ECE0}
.blk{font-family:var(--serif);font-weight:500;font-size:clamp(1.5rem,3vw,2.2rem);letter-spacing:-.01em;margin-top:8px}
.linkblk .reg{margin-top:20px}.linkblk .reg h3{font-family:var(--serif);font-size:1.05rem;font-weight:600;margin-bottom:6px}
.est-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
optgroup{color:#111}