:root{
      --theme:#0B3D91;
      --amber:#D99A32;
      --sand:#F4E7CE;
      --coffee:#302116;
      --ink:#241A13;
      --muted:#766758;
      --paper:#FFFDF8;
      --line:#E8D8BD;
      --shadow:0 18px 45px rgba(48,33,22,.12);
      --radius:18px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,Arial,sans-serif;line-height:1.6}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    .container{width:min(1180px,calc(100% - 40px));margin:auto}
    .topbar{background:var(--coffee);color:#F8EBD5;font-size:13px}
    .topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:18px}
    .topbar-links{display:flex;gap:20px;flex-wrap:wrap}
    .topbar a:hover{color:#fff}
    .header{position:relative;z-index:20;background:rgba(255,253,248,.97);border-bottom:1px solid var(--line)}
    .header-inner{min-height:78px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:10px;white-space:nowrap;font-size:20px;font-weight:800;color:var(--coffee)}
    .logo img{width:36px;height:36px;object-fit:contain}
    .main-nav{flex:1}
    .nav-list{display:flex;justify-content:center;align-items:center;gap:4px;list-style:none;padding:0;margin:0}
    .nav-item{position:relative}
    .nav-link{display:block;padding:28px 12px;font-size:14px;font-weight:700;color:#554638}
    .nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--theme)}
    .dropdown-panel,.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%);width:300px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.2s}
    .mega-menu{width:720px}
    .nav-item:hover .dropdown-panel,.nav-item:focus-within .dropdown-panel,.nav-item:hover .mega-menu,.nav-item:focus-within .mega-menu{opacity:1;visibility:visible}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
    .panel-title{margin:0 0 12px;color:var(--theme);font-size:12px;text-transform:uppercase;letter-spacing:.12em}
    .panel-list{display:grid;gap:8px}
    .panel-list a{padding:8px 10px;border-radius:9px;font-size:13px}
    .panel-list a:hover{background:var(--sand)}
    .broker-grid,.video-grid,.tool-grid,.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
    .mega-card{padding:12px;border:1px solid var(--line);border-radius:12px;background:#fff}
    .mega-card img{width:36px;height:36px;object-fit:contain;margin-bottom:7px}
    .mega-card strong{display:block;font-size:13px}
    .mega-card small{display:block;color:var(--muted);font-size:11px}
    .header-btns{display:flex;align-items:center;gap:10px;white-space:nowrap}
    .member-link{font-size:13px;font-weight:700;color:var(--theme)}
    .account-link,.hero-btn,.section-btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 17px;border-radius:10px;background:var(--theme);color:#fff;font-size:13px;font-weight:800}
    .hamburger{display:none;border:0;background:none;padding:7px;cursor:pointer}
    .hamburger span{display:block;width:24px;height:2px;background:var(--coffee);margin:5px 0;transition:.2s}
    .drawer-overlay{position:fixed;inset:0;background:rgba(20,12,7,.5);opacity:0;visibility:hidden;z-index:40;transition:.2s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;right:0;top:0;bottom:0;width:min(380px,88vw);background:#fffaf1;z-index:41;transform:translateX(100%);transition:.25s;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:14px;padding:22px;border-bottom:1px solid var(--line);font-weight:800}
    .drawer-head>a{margin-left:auto;color:var(--theme);font-size:13px}
    .drawer-close{border:0;background:none;font-size:28px;line-height:1;cursor:pointer;color:var(--coffee)}
    .drawer-menu{padding:12px 22px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font:inherit;font-size:15px;font-weight:700;cursor:pointer}
    .drawer-submenu{display:none;padding:5px 0 8px 14px}
    .drawer-submenu.open{display:grid}
    .drawer-submenu a{padding:8px 0;color:var(--muted);font-size:13px}
    .drawer-toggle.active{color:var(--theme)}
    .hero{background:linear-gradient(135deg,#FFF8E9 0%,var(--sand) 55%,#EBC77E 100%);padding:78px 0 58px;overflow:hidden}
    .hero-heading{text-align:center;max-width:850px;margin:0 auto 38px}
    .eyebrow{display:inline-flex;padding:7px 13px;border-radius:999px;background:rgba(217,154,50,.18);color:#79501B;text-transform:uppercase;letter-spacing:.14em;font-size:11px;font-weight:900}
    .hero h1{margin:17px 0 12px;font-size:clamp(38px,6vw,72px);line-height:1.05;letter-spacing:-.045em;color:var(--coffee)}
    .hero-heading p{max-width:650px;margin:0 auto;color:#685342;font-size:17px}
    .entry-matrix{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .entry-card{min-height:270px;padding:28px;background:rgba(255,253,248,.86);border:1px solid rgba(101,70,32,.18);border-radius:var(--radius);box-shadow:0 15px 35px rgba(93,60,19,.12);display:flex;flex-direction:column}
    .entry-icon{width:52px;height:52px;display:grid;place-items:center;border-radius:15px;background:var(--coffee);color:#F4C96D;font-size:25px}
    .entry-card h2{margin:20px 0 8px;font-size:23px;color:var(--coffee)}
    .entry-card p{margin:0 0 21px;color:var(--muted);font-size:14px;flex:1}
    .entry-card .hero-btn{align-self:flex-start;background:var(--coffee)}
    .entry-card:nth-child(2) .entry-icon,.entry-card:nth-child(2) .hero-btn{background:var(--theme)}
    .entry-card:nth-child(3) .entry-icon,.entry-card:nth-child(3) .hero-btn{background:#9B5B27}
    .proof-strip{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:30px}
    .proof-item{padding:10px 17px;border:1px solid rgba(89,58,25,.2);border-radius:999px;color:#684A2B;background:rgba(255,255,255,.4);font-size:13px;font-weight:700}
    .section{padding:78px 0}
    .section.alt{background:#F8F0E2}
    .section-head{text-align:center;max-width:680px;margin:0 auto 32px}
    .section-head h2{margin:10px 0;font-size:34px;color:var(--coffee);line-height:1.15}
    .section-head p{margin:0;color:var(--muted)}
    .cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .info-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 22px rgba(48,33,22,.05)}
    .info-card img{height:130px;width:100%;object-fit:cover;border-radius:11px;background:var(--sand);margin-bottom:16px}
    .info-card h3{font-size:18px;margin:0 0 8px}
    .info-card p{font-size:14px;color:var(--muted);margin:0 0 15px}
    .meta{font-size:12px;color:#937E69}
    .quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
    .quick-card{padding:20px;border-radius:15px;background:#fff;border:1px solid var(--line)}
    .quick-card h3{margin:0 0 5px;font-size:17px}
    .quick-card p{margin:0;color:var(--muted);font-size:13px}
    .faq-list{max-width:820px;margin:auto;display:grid;gap:10px}
    .faq-list details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 19px}
    .faq-list summary{cursor:pointer;font-weight:800;color:var(--coffee)}
    .faq-list p{color:var(--muted);margin:12px 0 0;font-size:14px}
    .cta{padding:62px 20px;text-align:center;background:var(--coffee);color:#fff1D8}
    .cta h2{margin:0 0 10px;font-size:34px}
    .cta p{margin:0 auto 22px;color:#D8C5A7}
    .cta .hero-btn{background:#D99A32;color:var(--coffee)}
    .footer{background:#241810;color:#EBDCC5;padding:52px 0 22px}
    .footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
    .footer h3{margin:0 0 14px;color:#F3C873;font-size:15px}
    .footer p,.footer a{font-size:13px;color:#CDBBA2}
    .footer p{margin:0 0 8px}
    .footer-links{display:grid;gap:8px}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:35px;padding-top:18px;text-align:center;color:#AA967D;font-size:12px}
    @media (max-width:900px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-btns{margin-left:auto}
      .entry-matrix,.cards-grid{grid-template-columns:1fr}
      .entry-card{min-height:220px}
      .quick-grid{grid-template-columns:repeat(2,1fr)}
      .footer-grid{grid-template-columns:repeat(2,1fr)}
      .mega-menu{width:90vw}
    }
    @media (max-width:560px){
      .container{width:min(100% - 28px,1180px)}
      .topbar-inner{padding:8px 0;align-items:flex-start;flex-direction:column;gap:2px}
      .topbar-links{gap:8px;display:block}
      .topbar-links a{margin-right:10px}
      .header-inner{min-height:68px;gap:12px}
      .logo{font-size:16px}
      .logo img{width:30px;height:30px}
      .member-link{display:none}
      .account-link{padding:9px 10px;font-size:12px}
      .hero{padding:54px 0 42px}
      .hero h1{font-size:42px}
      .hero-heading p{font-size:15px}
      .entry-card{padding:22px}
      .quick-grid{grid-template-columns:1fr}
      .footer-grid{grid-template-columns:1fr}
      .section{padding:58px 0}
    }