:root{
  --dv-navy:#0f2340;
  --dv-navy-2:#122d4d;
  --dv-navy-3:#1d4267;
  --dv-gold:#c9a84c;
  --dv-gold-2:#e0c266;
  --dv-cream:#f3efe7;
  --dv-cream-2:#ebe4d8;
  --dv-white:#fff;
  --dv-text:#243955;
  --dv-muted:#6f7f91;
  --dv-line:rgba(15,35,64,.10);
  --dv-gold-line:rgba(201,168,76,.28);
  --dv-shadow:0 24px 70px rgba(15,35,64,.12);
  --dv-radius:22px;
  --dv-green:#43df83;
  --dv-red:#ff8b91;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Outfit',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--dv-cream);color:var(--dv-text);line-height:1.72;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}

.dv-page{background:var(--dv-cream);overflow:hidden;font-family:'Outfit',system-ui,sans-serif;color:var(--dv-text)}
.dv-wrap{max-width:1280px;margin:0 auto;padding:0 48px}
.dv-reading{max-width:920px;margin:0 auto}
.dv-section{padding:82px 0}
.dv-section-tight{padding:56px 0}
.dv-dark{background:var(--dv-navy);color:#fff}
.dv-cream{background:var(--dv-cream)}
.dv-white{background:#fff}

.dv-kicker{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;border:1px solid var(--dv-gold-line);border-radius:999px;background:rgba(201,168,76,.09);color:var(--dv-gold);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.dv-title{font-family:'Playfair Display',serif;font-size:clamp(30px,3.3vw,48px);line-height:1.08;margin:0;color:#fff;letter-spacing:-.02em;max-width:820px}
.dv-title .gold,.dv-h2 .gold{color:var(--dv-gold)}
.dv-h2{font-family:'Playfair Display',serif;font-size:clamp(29px,3vw,44px);line-height:1.12;margin:0 0 20px;color:var(--dv-navy);letter-spacing:-.015em}
.dv-dark .dv-h2{color:#fff}
.dv-lead{font-size:17px;line-height:1.72;color:rgba(255,255,255,.88);max-width:720px;margin:20px 0 0}
.dv-reading p{font-size:18px;line-height:1.86;margin:0 0 22px;color:var(--dv-text)}
.dv-dark p{color:rgba(255,255,255,.86)}
.dv-muted{color:var(--dv-muted)}
.dv-dark .dv-muted{color:rgba(255,255,255,.66)}

.dv-btn,.dv-btn-dark,.dv-btn-outline{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 26px;border-radius:7px;font-size:16px;font-weight:800;transition:.22s ease;border:1px solid transparent;white-space:nowrap}
.dv-btn{background:linear-gradient(135deg,var(--dv-gold),var(--dv-gold-2));color:var(--dv-navy)}
.dv-btn:hover{transform:translateY(-2px);box-shadow:0 18px 36px rgba(201,168,76,.26)}
.dv-btn-dark{background:var(--dv-navy);color:#fff;border-color:rgba(255,255,255,.16)}
.dv-btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.2)}
.dv-btn-outline:hover{border-color:var(--dv-gold);color:var(--dv-gold)}

/* HERO */
.dv-hero{position:relative;background:radial-gradient(circle at 75% 20%,rgba(201,168,76,.10),transparent 34%),linear-gradient(135deg,#0b1c33 0%,#0f2340 54%,#102b4d 100%);padding:64px 0 0;color:#fff;overflow:hidden}
.dv-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,35,64,.85),rgba(15,35,64,.52) 52%,rgba(15,35,64,.88));pointer-events:none}
.dv-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) 438px;gap:48px;align-items:start}
.dv-badge{display:inline-flex;align-items:center;gap:10px;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.32);border-radius:6px;color:#f0d578;padding:9px 15px;font-size:11.5px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;margin-bottom:22px}
.dv-badge:before{content:"";width:9px;height:9px;background:var(--dv-gold);border-radius:50%;box-shadow:0 0 0 4px rgba(201,168,76,.16)}
.dv-hero-list{display:grid;gap:12px;margin:28px 0 0;padding:0;list-style:none;max-width:740px}
.dv-hero-list li{display:flex;gap:13px;align-items:flex-start;color:rgba(255,255,255,.90);font-size:15.5px;line-height:1.45}
.dv-hero-list li:before{content:"✓";width:24px;height:24px;min-width:24px;border-radius:50%;border:1px solid rgba(201,168,76,.44);background:rgba(201,168,76,.12);color:var(--dv-gold);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:900;margin-top:1px}
.dv-hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px}

.dv-hero-card{border-radius:12px;overflow:hidden;background:linear-gradient(180deg,#1b4268,#163656);border:1px solid rgba(201,168,76,.35);box-shadow:0 30px 80px rgba(0,0,0,.25)}
.dv-hero-card-head{background:linear-gradient(135deg,var(--dv-gold),#e7cd73);color:var(--dv-navy);padding:18px 22px;font-size:18px;font-weight:900}
.dv-hero-card-body{padding:20px 24px}
.dv-stat-row{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.dv-stat-row:last-child{border-bottom:0}
.dv-stat-label{font-size:14.5px;font-weight:700;color:rgba(255,255,255,.84);line-height:1.35}
.dv-stat-label small{display:block;margin-top:3px;color:rgba(255,255,255,.42);font-size:13px;font-weight:500}
.dv-stat-value{font-size:16px;font-weight:900;color:#ffd35a;text-align:right;white-space:nowrap}
.dv-stat-value.green{color:var(--dv-green)}
.dv-stat-value.red{color:var(--dv-red)}
.dv-hero-card-cta{display:block;background:linear-gradient(135deg,var(--dv-gold),#e5c864);color:var(--dv-navy);text-align:center;font-size:17px;font-weight:900;padding:18px 22px}
.dv-hero-card-note{text-align:center;color:rgba(255,255,255,.56);font-size:13px;padding:14px 22px 20px}
.dv-trustbar{position:relative;z-index:2;margin-top:42px;border-top:1px solid rgba(201,168,76,.18);display:grid;grid-template-columns:repeat(4,1fr)}
.dv-trustbar span{padding:22px 24px;color:rgba(255,255,255,.68);font-size:15px;border-right:1px solid rgba(255,255,255,.07)}
.dv-trustbar span:last-child{border-right:0}

/* WARNING */
.dv-warning-strip{background:var(--dv-navy);border-top:3px solid var(--dv-gold);border-bottom:1px solid rgba(201,168,76,.22);color:#fff}
.dv-warning-inner{display:grid;grid-template-columns:44px 1fr auto;gap:22px;align-items:center;padding:26px 48px}
.dv-warning-icon{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;border:1px solid rgba(201,168,76,.34);background:rgba(201,168,76,.12);color:var(--dv-gold);font-size:20px}
.dv-warning-strip p{margin:0;color:rgba(255,255,255,.88);font-size:17px;line-height:1.62}
.dv-warning-strip strong{color:#fff}

/* PLAN */
.dv-guide-plan{background:#f7f3eb;border-top:1px solid rgba(201,168,76,.18);border-bottom:1px solid rgba(201,168,76,.18);padding:46px 0}
.dv-plan-head{margin-bottom:28px}
.dv-plan-head .dv-h2{margin-bottom:0}

.dv-guide-card{background:#fff;border:1px solid rgba(15,35,64,.08);border-radius:18px;padding:20px 18px;display:flex;align-items:center;gap:14px;transition:.22s ease;box-shadow:0 10px 28px rgba(15,35,64,.05)}
.dv-guide-card:hover{transform:translateY(-3px);border-color:var(--dv-gold);box-shadow:0 16px 38px rgba(15,35,64,.09)}
.dv-guide-icon{width:42px;height:42px;min-width:42px;border-radius:12px;background:rgba(201,168,76,.12);display:flex;align-items:center;justify-content:center;font-size:18px}
.dv-guide-card span:last-child{color:var(--dv-navy);font-weight:800;line-height:1.35}
.dv-guide-card-cta{background:var(--dv-navy);border-color:var(--dv-navy)}
.dv-guide-card-cta span:last-child{color:#fff}
.dv-guide-card-cta .dv-guide-icon{background:rgba(201,168,76,.16);color:var(--dv-gold)}

/* CONTENT BLOCKS */
.dv-intro-box{background:#fff;border:1px solid var(--dv-line);border-radius:22px;padding:42px;box-shadow:var(--dv-shadow)}
.dv-highlight{border-left:4px solid var(--dv-gold);background:#f7f1e4;border-radius:0 14px 14px 0;padding:22px 26px;margin:30px 0;color:var(--dv-navy)}
.dv-highlight p{margin:0;font-size:17px;line-height:1.78;color:var(--dv-navy)}
.dv-note{background:#fff;border:1px solid rgba(201,168,76,.22);border-radius:16px;padding:22px 24px;margin:26px 0;box-shadow:0 12px 30px rgba(15,35,64,.05)}
.dv-note strong{display:block;color:var(--dv-navy);font-size:17px;margin-bottom:8px}
.dv-note p{margin:0;font-size:16px;line-height:1.78}

.dv-two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.dv-card{background:#fff;border:1px solid var(--dv-line);border-radius:20px;padding:26px;box-shadow:0 14px 38px rgba(15,35,64,.06)}
.dv-card.dark{background:#183b5e;border-color:rgba(201,168,76,.24);color:#fff}
.dv-card h3{margin:0 0 12px;color:var(--dv-navy);font-size:21px;line-height:1.25}
.dv-card.dark h3{color:#fff}
.dv-card p{margin:0;color:var(--dv-text);font-size:16px;line-height:1.78}
.dv-card.dark p{color:rgba(255,255,255,.84)}
.dv-card-badge{display:inline-block;color:var(--dv-gold);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.10em;margin-bottom:14px}

.dv-condition{background:#f0ece4;border-left:3px solid var(--dv-gold);border-radius:12px;padding:24px;margin-bottom:14px}
.dv-condition h3{margin:0 0 8px;color:var(--dv-navy);font-size:18px}
.dv-condition p{margin:0;color:var(--dv-text);font-size:16px;line-height:1.72}

.dv-flow{background:var(--dv-navy);border-radius:18px;padding:28px;color:#fff;border:1px solid rgba(201,168,76,.25)}
.dv-flow-row{display:grid;grid-template-columns:46px 1fr auto;gap:18px;align-items:center;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.dv-flow-row:last-child{border-bottom:0}
.dv-flow-num{width:40px;height:40px;border-radius:50%;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.30);color:var(--dv-gold);display:flex;align-items:center;justify-content:center;font-weight:900}
.dv-flow-title{font-weight:800;color:#fff;font-size:16px}
.dv-flow-title small{display:block;color:rgba(255,255,255,.58);font-size:13px;font-weight:500;margin-top:4px;line-height:1.45}
.dv-flow-value{font-size:17px;font-weight:900;color:#ffd35a;white-space:nowrap;text-align:right}
.dv-flow-value.red{color:var(--dv-red)}
.dv-flow-value.green{color:var(--dv-green)}

.dv-table-wrap{overflow-x:auto;background:#fff;border:1px solid var(--dv-line);border-radius:16px;box-shadow:var(--dv-shadow);margin:28px 0}
.dv-table{width:100%;border-collapse:collapse;min-width:760px}
.dv-table th{background:var(--dv-navy);color:#fff;text-align:left;padding:18px 16px;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
.dv-table td{padding:18px 16px;border-bottom:1px solid var(--dv-line);color:var(--dv-text);font-size:15px;vertical-align:top;line-height:1.5}
.dv-table tr:last-child td{border-bottom:0}
.dv-table tr:hover td{background:rgba(201,168,76,.035)}
.dv-dark .dv-table-wrap{background:#102b4d;border-color:rgba(255,255,255,.16)}
.dv-dark .dv-table td{color:rgba(255,255,255,.78);border-color:rgba(255,255,255,.12)}
.dv-dark .dv-table tr:hover td{background:rgba(255,255,255,.045)}
.dv-dark .dv-table strong{color:#fff}

.dv-scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
.dv-scenario{background:#1d466d;border:1px solid rgba(201,168,76,.20);border-radius:14px;padding:26px;color:#fff;box-shadow:0 22px 50px rgba(0,0,0,.14)}
.dv-scenario h3{margin:0 0 16px;color:#fff;font-size:20px;line-height:1.25}
.dv-scenario p{font-size:16px;line-height:1.72;color:rgba(255,255,255,.84);margin:0 0 18px}
.dv-scenario ul{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:10px}
.dv-scenario li{position:relative;padding-left:24px;color:rgba(255,255,255,.82);font-size:15px;line-height:1.55}
.dv-scenario li.plus:before{content:"+";position:absolute;left:0;color:var(--dv-green);font-weight:900}
.dv-scenario li.minus:before{content:"–";position:absolute;left:0;color:var(--dv-red);font-weight:900}
.dv-scenario li.warn:before{content:"!";position:absolute;left:2px;color:#ffd35a;font-weight:900}

.dv-risk-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:34px}
.dv-risk-card{background:#fff;border:1px solid var(--dv-line);border-radius:18px;padding:26px;box-shadow:0 14px 40px rgba(15,35,64,.06)}
.dv-risk-card h3{margin:10px 0 12px;color:var(--dv-navy);font-size:19px}
.dv-risk-card p{font-size:16px;line-height:1.76;margin:0;color:var(--dv-text)}
.dv-chip{display:inline-flex;margin-top:18px;padding:7px 12px;border-radius:999px;background:#ffe6e8;color:#e35c64;font-size:12px;font-weight:800}
.dv-chip.green{background:#ddf8e7;color:#1e9c50}
.dv-alert{display:grid;grid-template-columns:38px 1fr;gap:18px;background:#fde4e4;border-left:4px solid #ef4444;border-radius:0 14px 14px 0;padding:22px 26px;margin-top:30px;color:var(--dv-navy)}
.dv-alert p{margin:0;font-size:16px;line-height:1.74;color:var(--dv-text)}

.dv-list{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px}
.dv-list li{position:relative;padding-left:30px;font-size:17px;line-height:1.68;color:var(--dv-text)}
.dv-list li:before{content:"✓";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:rgba(201,168,76,.13);color:var(--dv-gold);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900}

.dv-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}
.dv-related-card{background:#fff;border:1px solid var(--dv-line);border-radius:18px;padding:24px;box-shadow:0 12px 34px rgba(15,35,64,.06)}
.dv-related-card h3{margin:0 0 10px;color:var(--dv-navy);font-size:19px}
.dv-related-card p{font-size:15px;line-height:1.68;margin:0 0 16px;color:var(--dv-text)}
.dv-related-card a{color:var(--dv-gold);font-weight:900}

.dv-faq{display:grid;gap:12px;margin-top:28px}
.dv-faq-item{background:#fff;border:1px solid var(--dv-line);border-radius:16px;overflow:hidden;box-shadow:0 10px 28px rgba(15,35,64,.05)}
.dv-faq-q{width:100%;background:transparent;border:0;padding:19px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px;text-align:left;font-family:'Outfit',sans-serif;font-size:17px;font-weight:800;color:var(--dv-navy);cursor:pointer}
.dv-faq-q span:last-child{font-size:22px;color:var(--dv-gold)}
.dv-faq-a{display:none;padding:0 22px 20px;color:var(--dv-text);font-size:16px;line-height:1.78}
.dv-faq-item.active .dv-faq-a{display:block}

.dv-contact{background:var(--dv-cream-2);padding:84px 0}
.dv-contact-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:28px;align-items:stretch}
.dv-contact-left{background:var(--dv-navy);border:1px solid var(--dv-gold-line);border-radius:24px;padding:38px;color:#fff;box-shadow:var(--dv-shadow)}
.dv-contact-left h2{font-family:'Playfair Display',serif;font-size:clamp(29px,3vw,44px);line-height:1.12;margin:0 0 18px;color:#fff}
.dv-contact-left h2 em{color:var(--dv-gold);font-style:normal}
.dv-contact-left p{font-size:17px;line-height:1.82;color:rgba(255,255,255,.84);margin:0 0 24px}
.dv-contact-list{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.dv-contact-list li{position:relative;padding-left:28px;color:rgba(255,255,255,.88);font-size:16px}
.dv-contact-list li:before{content:"✓";position:absolute;left:0;color:var(--dv-gold);font-weight:900}
.dv-form-box{background:#fff;border:1px solid var(--dv-line);border-radius:24px;padding:34px;box-shadow:var(--dv-shadow)}
.dv-form-box h3{margin:0 0 10px;color:var(--dv-navy);font-size:23px}
.dv-form-box p{font-size:16px;line-height:1.72;margin:0 0 22px;color:var(--dv-text)}

.dv-sticky{position:fixed;left:0;right:0;bottom:0;z-index:900;background:var(--dv-navy);border-top:2px solid var(--dv-gold);padding:10px 18px;display:flex;align-items:center;justify-content:center;gap:22px;box-shadow:0 -8px 32px rgba(0,0,0,.26);transform:translateY(100%);transition:.28s ease}
.dv-sticky.on{transform:translateY(0)}
.dv-sticky span{color:rgba(255,255,255,.86);font-size:15px}.dv-sticky strong{color:#fff}.dv-sticky .dv-btn{min-height:42px;padding:10px 22px}.dv-sticky-close{position:absolute;right:18px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:rgba(255,255,255,.45);font-size:24px;cursor:pointer}

@media(max-width:1100px){.dv-hero-grid,.dv-two-col,.dv-contact-grid{grid-template-columns:1fr}.dv-hero-card{max-width:560px}.dv-guide-grid,.dv-scenario-grid,.dv-related-grid{grid-template-columns:repeat(2,1fr)}.dv-risk-grid{grid-template-columns:1fr}.dv-warning-inner{grid-template-columns:44px 1fr}.dv-warning-inner .dv-btn{grid-column:2}}
@media(max-width:760px){.dv-wrap{padding:0 24px}.dv-section{padding:62px 0}.dv-hero{padding-top:52px}.dv-title{font-size:40px}.dv-lead,.dv-reading p{font-size:16px;line-height:1.84}.dv-hero-grid{gap:34px}.dv-hero-list li{font-size:15.5px}.dv-hero-actions{display:grid}.dv-trustbar{grid-template-columns:1fr}.dv-trustbar span{border-right:0;border-bottom:1px solid rgba(255,255,255,.07);padding:16px 24px}.dv-warning-inner{grid-template-columns:1fr;padding:24px}.dv-warning-inner .dv-btn{grid-column:auto}.dv-table{min-width:0}.dv-table thead{display:none}.dv-table,.dv-table tbody,.dv-table tr,.dv-table td{display:block;width:100%}.dv-table tr{border-bottom:1px solid var(--dv-line);padding:10px 0}.dv-table td{border-bottom:0;padding:10px 16px}.dv-table td:before{content:attr(data-label);display:block;font-size:11px;font-weight:900;color:var(--dv-gold);letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}.dv-flow-row{grid-template-columns:40px 1fr}.dv-flow-value{grid-column:2;text-align:left;margin-top:6px}.dv-card,.dv-intro-box,.dv-form-box,.dv-contact-left{padding:24px}.dv-sticky{display:none}}