.pf-page{
  --pf-navy:#0F2340;
  --pf-navy-mid:#1A3A5C;
  --pf-navy-light:#234870;
  --pf-gold:#C9A84C;
  --pf-gold-light:#E2C97A;
  --pf-gold-ink:#806017;
  --pf-gold-soft:rgba(201,168,76,.12);
  --pf-gold-border:rgba(201,168,76,.24);
  --pf-cream:#F5F1EA;
  --pf-cream-dark:#EDE8DF;
  --pf-white:#fff;
  --pf-text:#3D4F63;
  --pf-muted:#5F6F82;
  --pf-border:rgba(15,35,64,.09);
  --pf-shadow:0 16px 42px rgba(15,35,64,.08);
  --pf-radius:18px;
  background:var(--pf-cream);color:var(--pf-navy);line-height:1.65;
  font-family:'Outfit','Helvetica Neue',Arial,sans-serif;
  -webkit-font-smoothing:antialiased;overflow:hidden;scroll-behavior:smooth
}
.pf-page,.pf-page *,.pf-page *::before,.pf-page *::after{box-sizing:border-box}
.pf-page a{color:inherit}
.pf-page.pf-has-sticky{padding-bottom:64px}
.pf-page.pf-cookie-open .pf-sticky{transform:translateY(100%);pointer-events:none}

.pf-section{padding:76px 24px}
.pf-white{background:#fff}
.pf-cream{background:var(--pf-cream)}
.pf-cream-dark{background:var(--pf-cream-dark)}
.pf-navy{background:var(--pf-navy)}
.pf-kicker{display:inline-block;color:var(--pf-gold-ink);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.pf-section-head{max-width:840px;margin-bottom:36px}

.pf-section-head h2{font-family:Georgia,'Times New Roman',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--pf-navy)}
.pf-section-head p{margin:0;color:var(--pf-text);font-size:15.5px;line-height:1.76}
.pf-light h2,.pf-light p{color:#fff!important}
.pf-light p{color:rgba(255,255,255,.90)!important}
.pf-navy .pf-section-head p{color:rgba(255,255,255,.90)!important}
.pf-navy .pf-kicker,.pf-contact-left .pf-kicker{color:var(--pf-gold-light)}


.pf-btn{background:var(--pf-gold);color:var(--pf-navy)}
.pf-btn:hover{background:var(--pf-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.pf-btn-outline{color:var(--pf-gold);border:1px solid var(--pf-gold-border);background:rgba(201,168,76,.08)}
.pf-btn-outline:hover{border-color:var(--pf-gold);background:rgba(201,168,76,.16)}
.pf-page a.pf-btn-ghost,.pf-page a.pf-btn-ghost:visited{color:#F1F5F9!important;background:rgba(255,255,255,.07);padding:12px 20px;border:1px solid rgba(226,201,122,.58);border-radius:8px;text-decoration:none!important}
.pf-page a.pf-btn-ghost:hover{color:var(--pf-navy)!important;background:var(--pf-gold-light);border-color:var(--pf-gold-light)}
.pf-page a.pf-btn-ghost:focus-visible{color:#fff!important;outline:3px solid rgba(226,201,122,.48);outline-offset:3px}

.pf-sticky{
  position:fixed;bottom:0;left:0;right:0;z-index:800;
  background:rgba(15,35,64,.96);
  backdrop-filter:blur(10px);
  border-top:2px solid var(--pf-gold);
  padding:10px 58px 10px 96px;
  display:flex;align-items:center;justify-content:center;gap:14px;
  box-shadow:0 -4px 24px rgba(0,0,0,.30);
  transform:translateY(100%);
  transition:transform .3s ease
}
.pf-sticky.on{transform:translateY(0)}
.pf-sticky span{color:rgba(232,238,245,.9);font-size:12.5px}
.pf-sticky span strong{color:#fff}
.pf-sticky .pf-btn{min-height:40px;padding:10px 20px;font-size:14px}
.pf-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:#D2DAE3;font-size:22px;line-height:1;cursor:pointer}

.pf-hero{background:var(--pf-navy);position:relative;overflow:hidden;padding:66px 24px 0}
.pf-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(201,168,76,.10) 0%,transparent 66%)}
.pf-hero:after{content:"%";position:absolute;right:58px;bottom:12px;font-family:Georgia,'Times New Roman',serif;font-size:210px;color:rgba(201,168,76,.035);line-height:1;pointer-events:none}
.pf-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:52px;position:relative;z-index:2;align-items:start}
.pf-badge{display:inline-flex;align-items:center;gap:8px;background:var(--pf-gold-soft);border:1px solid var(--pf-gold-border);color:var(--pf-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.pf-dot{width:7px;height:7px;border-radius:50%;background:var(--pf-gold)}
.pf-hero-title{font-family:Georgia,'Times New Roman',serif;color:#fff;font-size:clamp(31px,4vw,52px);font-weight:700;line-height:1.07;margin:0 0 16px}
.pf-hero-title em{font-style:normal;color:var(--pf-gold)}
.pf-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:720px;font-weight:700;border-left:3px solid var(--pf-gold);padding-left:16px}
.pf-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:700px}

.pf-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin-bottom:30px;max-width:720px}
.pf-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.pf-check:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--pf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}

.pf-hero-card{background:var(--pf-navy-mid);border:1px solid var(--pf-gold-border);border-radius:var(--pf-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.14)}
.pf-hero-card-head{padding:17px 20px;background:linear-gradient(135deg,var(--pf-gold),var(--pf-gold-light));font-weight:900;color:var(--pf-navy)}
.pf-hero-card-head span{display:block;font-size:12px;color:rgba(15,35,64,.70);font-weight:700;margin-top:2px}
.pf-hero-card-body{padding:18px 20px}
.pf-scenario{border:1px solid rgba(201,168,76,.13);border-radius:14px;padding:15px;margin-bottom:12px;background:rgba(255,255,255,.035)}
.pf-scenario.featured{background:rgba(201,168,76,.10);border-color:rgba(201,168,76,.35)}
.pf-scenario-title{display:block;color:var(--pf-gold);font-size:11px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;margin-bottom:10px}
.pf-scenario ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:7px}
.pf-scenario li{display:flex;justify-content:space-between;gap:12px;color:#D4DCE5;font-size:12.5px;line-height:1.35}
.pf-scenario li strong{color:#fff;font-weight:800;text-align:right}
.pf-scenario.featured li strong{color:var(--pf-gold)}
.pf-card-cta{display:block;background:var(--pf-gold);color:var(--pf-navy);text-align:center;padding:14px 18px;font-weight:900;text-decoration:none}
.pf-card-note{padding:11px 18px 15px;color:#C4CFDA;font-size:11.5px;text-align:center;line-height:1.5}

.pf-trust{max-width:1160px;margin:42px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.10);position:relative;z-index:2}
.pf-trust div{padding:14px 15px;color:#C4CFDA;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}
.pf-trust div:last-child{border-right:0}

.pf-toc{background:#fff;border-bottom:1px solid var(--pf-border);overflow-x:auto}
.pf-toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.pf-toc a{display:inline-block;padding:12px 14px;color:var(--pf-muted);font-size:12px;font-weight:900;text-decoration:none;border-bottom:2px solid transparent}
.pf-toc a:hover,.pf-toc .active{color:var(--pf-navy);background:var(--pf-gold-soft);border-color:var(--pf-gold)}





.pf-card,.pf-step,.pf-faq,.pf-related-card,.pf-axis-card,.pf-result-card{
  background:#fff;border:1px solid var(--pf-border);border-radius:var(--pf-radius);
  padding:22px;box-shadow:0 2px 12px rgba(15,35,64,.05)
}
.pf-card h3,.pf-step h3,.pf-faq h3,.pf-related-card h3{
  font-size:15.5px;color:var(--pf-navy);margin:0 0 8px;line-height:1.32
}
.pf-card p,.pf-step p,.pf-faq p,.pf-related-card p{
  margin:0;color:var(--pf-text);font-size:13.5px;line-height:1.68
}
.pf-step span{
  display:inline-block;margin-bottom:12px;color:var(--pf-gold-ink);
  font-family:Georgia,'Times New Roman',serif;font-size:26px;font-weight:700;line-height:1
}

.pf-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.pf-list li{display:flex;gap:10px;color:var(--pf-text);font-size:14px;line-height:1.6}
.pf-list li:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:var(--pf-gold-soft);color:var(--pf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:2px}

.pf-split{display:grid;grid-template-columns:1fr 420px;gap:40px;align-items:start}
.pf-dark-card{background:var(--pf-navy-mid);border:1px solid var(--pf-gold-border);border-radius:var(--pf-radius);padding:28px;box-shadow:0 18px 46px rgba(0,0,0,.12)}
.pf-dark-card h3{font-family:Georgia,'Times New Roman',serif;color:#fff;font-size:24px;line-height:1.18;margin:0 0 12px}
.pf-dark-card p{color:rgba(232,238,245,.86);font-size:14px;line-height:1.75;margin:0 0 18px}
.pf-dark-card li{color:rgba(232,238,245,.88)}
.pf-alert{border-left:4px solid var(--pf-gold);border-radius:0 var(--pf-radius) var(--pf-radius) 0;background:rgba(201,168,76,.09);padding:18px 22px;margin:24px 0}
.pf-alert strong{display:block;color:var(--pf-navy);font-size:14px;margin-bottom:5px}
.pf-alert p{margin:0;color:var(--pf-text);font-size:13.5px;line-height:1.68}

#axes{border-bottom:1px solid rgba(201,168,76,.35)}
#axes.pf-section{padding-top:64px;padding-bottom:70px}
.pf-axis-card{position:relative;overflow:hidden;background:#ffffff;border:1px solid rgba(201,168,76,.28);border-radius:var(--pf-radius);padding:24px 26px;min-height:230px;box-shadow:0 14px 34px rgba(0,0,0,.16)}
.pf-axis-card:before{content:"";position:absolute;right:-45px;top:-45px;width:130px;height:130px;background:radial-gradient(circle,rgba(201,168,76,.13),transparent 70%)}
.pf-axis-card h3,.pf-axis-card p,.pf-axis-card ul,.pf-axis-card span{position:relative;z-index:1}
.pf-axis-card span.pf-num{display:inline-block;margin-bottom:12px;color:var(--pf-gold-ink);font-family:Georgia,'Times New Roman',serif;font-size:28px;font-weight:700;line-height:1}
.pf-axis-card h3{color:#0F2340;font-size:16px;font-weight:800;margin:0 0 10px;line-height:1.32}
.pf-axis-card p{color:#3D4F63!important;font-size:13.8px;line-height:1.68;margin:0}
.pf-axis-card ul{margin:16px 0 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:8px}
.pf-axis-card li{color:#0F2340;font-size:13px;line-height:1.45;font-weight:500}
.pf-axis-card li:before{content:"•";color:var(--pf-gold-ink);font-weight:900;margin-right:8px}
.pf-section-micro-cta{margin-top:34px;text-align:center}
.pf-section-micro-cta p{margin:0 0 16px;color:rgba(255,255,255,.88);font-size:14px;line-height:1.65}
.pf-tax-boundary{margin-top:26px;padding:20px 22px;border:1px solid rgba(226,201,122,.42);border-radius:14px;background:rgba(255,255,255,.06)}
.pf-tax-boundary strong{display:block;color:var(--pf-gold-light);font-size:14px;margin-bottom:6px}
.pf-tax-boundary p{margin:0;color:#E8EEF5!important;font-size:13.5px;line-height:1.7}


.pf-result-card{padding:24px;box-shadow:0 10px 28px rgba(15,35,64,.06)}
.pf-result-card span{display:inline-flex;width:38px;height:38px;align-items:center;justify-content:center;border-radius:50%;background:var(--pf-gold-soft);color:var(--pf-gold-ink);font-weight:900;margin-bottom:14px}
.pf-result-card h3{margin:0 0 8px;color:var(--pf-navy);font-size:15.5px;line-height:1.35}
.pf-result-card p{margin:0;color:var(--pf-text);font-size:13.5px;line-height:1.68}
.pf-price-box{margin-top:28px;background:var(--pf-navy);border:1px solid var(--pf-gold-border);border-radius:var(--pf-radius);padding:26px}
.pf-price-box h3{font-family:Georgia,'Times New Roman',serif;color:#fff;font-size:24px;margin:0 0 12px}
.pf-price-box p{color:rgba(232,238,245,.86);font-size:14px;line-height:1.7;margin:0}
.pf-price-box strong{color:var(--pf-gold-light)}

.pf-anti{background:var(--pf-navy);border-radius:var(--pf-radius);padding:34px;border:1px solid var(--pf-gold-border)}
.pf-anti h2{font-family:Georgia,'Times New Roman',serif;color:#fff;font-size:30px;line-height:1.16;margin:0 0 14px}
.pf-anti p,.pf-anti li{color:rgba(232,238,245,.86);font-size:14px;line-height:1.7}
.pf-anti a{color:var(--pf-gold-light);font-weight:900;text-decoration:none}
.pf-anti a:hover{text-decoration:underline}

.pf-related-card a{display:inline-flex;margin-top:14px;color:var(--pf-gold-ink);font-weight:900;font-size:13px;text-decoration:underline;text-underline-offset:3px}
.pf-related-card a:hover{text-decoration:underline}
.pf-review-note{margin-top:28px;padding:22px 24px;border:1px solid rgba(15,35,64,.12);border-left:4px solid var(--pf-gold);border-radius:0 14px 14px 0;background:#fff;display:grid;grid-template-columns:170px minmax(0,1fr);gap:24px;align-items:start}
.pf-review-note strong{display:block;color:var(--pf-navy);font-size:14px;line-height:1.45}
.pf-review-note span{display:block;color:var(--pf-gold-ink);font-size:11px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:5px}
.pf-review-note p{margin:0;color:var(--pf-text);font-size:13.5px;line-height:1.72}

.pf-contact-section{background:var(--pf-cream-dark);padding:82px 24px}
.pf-contact-wrap{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 430px;gap:28px;align-items:stretch}
.pf-contact-left{background:var(--pf-navy);border-radius:var(--pf-radius);padding:34px;border:1px solid var(--pf-gold-border)}
.pf-contact-left h2{font-family:Georgia,'Times New Roman',serif;color:#fff;font-size:clamp(27px,3vw,40px);line-height:1.12;margin:0 0 14px}
.pf-contact-left h2 em{font-style:normal;color:var(--pf-gold-light)}
.pf-contact-left p{color:rgba(232,238,245,.86);font-size:15px;line-height:1.75;margin:0 0 20px}
.pf-contact-list{list-style:none;margin:0 0 24px;padding:0;display:flex;flex-direction:column;gap:10px}
.pf-contact-list li{display:flex;gap:10px;color:rgba(232,238,245,.9);font-size:13.5px;line-height:1.5}
.pf-contact-list li:before{content:"✓";color:var(--pf-gold);font-weight:900}
.pf-direct{border-top:1px solid rgba(201,168,76,.18);padding-top:20px;display:flex;flex-direction:column;gap:8px}
.pf-direct strong{color:#fff;font-size:14px}
.pf-direct a{color:var(--pf-gold-light);font-weight:800;text-decoration:none}
.pf-direct small{color:#C4CFDA;font-size:12px;margin-top:4px}
.pf-text-link{color:var(--pf-gold-ink)!important;font-weight:800;text-decoration:underline;text-decoration-color:rgba(128,96,23,.45);text-underline-offset:3px}
.pf-contact-right{background:#fff;border-radius:var(--pf-radius);padding:28px;border:1px solid var(--pf-border);box-shadow:var(--pf-shadow)}
.pf-contact-right p{margin:0 0 18px;color:var(--pf-text);font-size:14px;line-height:1.65}
.pf-contact-right strong{color:var(--pf-navy)}
.pf-consult-label{display:inline-block;color:var(--pf-gold-ink);font-size:11px;font-weight:900;letter-spacing:.11em;text-transform:uppercase;margin-bottom:10px}
.pf-consult-card h3{font-family:Georgia,'Times New Roman',serif;color:var(--pf-navy);font-size:28px;line-height:1.16;margin:0 0 12px}
.pf-consult-card>p{margin-bottom:18px}
.pf-consult-list{list-style:none;margin:0 0 22px;padding:0;display:flex;flex-direction:column;gap:10px}
.pf-consult-list li{display:flex;gap:10px;color:var(--pf-text);font-size:13.5px;line-height:1.5}
.pf-consult-list li:before{content:"✓";color:var(--pf-gold-ink);font-weight:900}
.pf-consult-card .pf-btn{width:100%;text-align:center}
.pf-consult-note{display:block;margin-top:14px;color:var(--pf-muted);font-size:11.5px;line-height:1.55;text-align:center}

@media(max-width:980px){
  
  .pf-hero-card{max-width:560px}
  
  .pf-trust{grid-template-columns:1fr 1fr}
  .pf-trust div:nth-child(2){border-right:0}
}
@media(max-width:640px){
  .pf-section,.pf-contact-section{padding:54px 18px}
  .pf-wrap{padding:0}
  .pf-hero{padding:46px 18px 0}
  .pf-hero:after{display:none}
  
  .pf-hero-title{font-size:clamp(27px,8vw,38px)}
  
  .pf-trust div{border-right:0;border-bottom:1px solid rgba(201,168,76,.07)}
  .pf-trust div:last-child{border-bottom:0}
  .pf-sticky span{display:none}
  .pf-sticky{padding:9px 48px 9px 14px}
  .pf-sticky .pf-btn{width:100%;max-width:320px;white-space:normal;text-align:center;line-height:1.25}
  .pf-contact-left,.pf-contact-right{padding:24px 18px}
  .pf-review-note{grid-template-columns:1fr;gap:10px;padding:20px 18px}
  .pf-axis-card{min-height:auto}
}