:root {
  --navy: #0b132b;
  --navy-mid: #1c2541;
  --navy-soft: #3a506b;
  --gold: #c5a880;
  --gold-hover: #d4bc98;
  --gold-deep: #a88b5e;
  --white: #ffffff;
  --off-white: #f7f6f3;
  --slate: #4a5568;
  --slate-light: #718096;
  --line: #e6e2d8;
  --shadow: 0 18px 50px rgba(11, 19, 43, 0.08);
  --radius: 12px;
  --nav-h: 76px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; max-width: 100%; }
body {
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  color: var(--navy);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  overflow-x: hidden;
}
img { max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select { font-family: inherit; }

.wrap {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

.utility {
  background: var(--navy);
  color: #c9d2de;
  font-size: 12px;
  letter-spacing: 0.04em;
}
.utility .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 36px;
  gap: 16px;
}
.utility span { opacity: 0.85; }
.utility a.util-mail {
  color: var(--gold);
  white-space: nowrap;
  opacity: 0.95;
}
.utility a.util-mail:hover { color: var(--gold-hover); }
.foot-mail {
  margin: 0 0 18px;
  font-size: 14.5px;
}
.foot-mail a { color: var(--gold); }
.foot-mail a:hover { color: var(--gold-hover); }

header.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
  overflow: visible;
}
.nav-inner {
  display: flex;
  align-items: center;
  min-height: var(--nav-h);
  gap: 16px;
  min-width: 0;
  flex-wrap: nowrap;
}
.logo {
  font-weight: 700;
  letter-spacing: 0.02em;
  font-size: 16px;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
  flex: 0 1 auto;
}
.logo-text {
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.logo-mark {
  width: 28px; height: 28px;
  border: 1.5px solid var(--gold);
  display: grid; place-items: center;
  font-size: 11px;
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  flex: 1 1 auto;
  min-width: 0;
  gap: 18px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--slate);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--navy); }
.nav-links .nav-extra { display: none; }
.nav-right {
  display: flex;
  align-items: center;
  gap: 10px;
  flex: 0 0 auto;
  margin-left: auto;
}
.nav-more { position: relative; }
.nav-more-btn {
  background: transparent;
  border: 0;
  padding: 6px 2px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--slate);
  cursor: pointer;
  white-space: nowrap;
}
.nav-more-btn:hover,
.nav-more-btn[aria-expanded="true"] { color: var(--navy); }
.nav-more-menu {
  display: none;
  position: absolute;
  right: 0;
  top: calc(100% + 8px);
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  min-width: 200px;
  border-radius: 10px;
  overflow: hidden;
  z-index: 60;
}
.nav-more-menu.open { display: block; }
.nav-more-menu a {
  display: block;
  padding: 11px 14px;
  font-size: 13px;
  color: var(--navy);
  white-space: nowrap;
}
.nav-more-menu a:hover { background: var(--off-white); color: var(--gold-deep); }

.lang-wrap { position: relative; }
.lang-btn {
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 10px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 6px;
  min-width: 52px;
  justify-content: center;
  white-space: nowrap;
}
.lang-btn:hover, .lang-btn[aria-expanded="true"] { border-color: var(--gold); }
.lang-menu {
  display: none;
  position: absolute;
  right: 0; top: calc(100% + 8px);
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  min-width: 200px;
  border-radius: 10px;
  overflow: hidden;
  z-index: 60;
}
.lang-menu.open { display: block; }
.lang-menu button {
  width: 100%;
  text-align: left;
  background: none;
  border: 0;
  padding: 11px 14px;
  font-size: 13px;
  cursor: pointer;
  color: var(--navy);
}
.lang-menu button:hover, .lang-menu button[aria-current="true"] {
  background: var(--off-white);
  color: var(--gold-deep);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 8px;
  padding: 12px 22px;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.02em;
  border: 1px solid transparent;
  cursor: pointer;
  transition: 0.2s ease;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-hover); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 10px 16px; font-size: 13px; white-space: nowrap; }
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  min-width: 40px;
  height: 40px;
  padding: 0 10px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 12px;
  font-weight: 600;
}

.hero {
  background: #0b132b;
  color: var(--white);
  padding: 80px 0 64px;
  position: relative;
  overflow: hidden;
}
.hero::before,
.page-hero::before,
footer::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("../img/hk-harbour.jpg") center 42% / cover no-repeat;
  filter: grayscale(1) contrast(1.08) brightness(0.62);
  opacity: 0.5;
  transform: scale(1.05);
  pointer-events: none;
}
.hero::after,
.page-hero::after,
footer::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(1100px 420px at 82% -8%, rgba(197,168,128,0.14), transparent 52%),
    linear-gradient(180deg, rgba(11,19,43,0.52) 0%, rgba(11,19,43,0.74) 48%, rgba(11,19,43,0.9) 100%);
  pointer-events: none;
}
.hero > *,
.page-hero > *,
footer > * {
  position: relative;
  z-index: 1;
}
.page-hero::before {
  background-image: url("../img/hk-peak.jpg");
  background-position: center 35%;
  opacity: 0.46;
}
footer::before {
  background-image: url("../img/hk-night.jpg");
  background-position: center 55%;
  opacity: 0.32;
}
footer::after {
  background: linear-gradient(180deg, rgba(11,19,43,0.86) 0%, rgba(11,19,43,0.94) 100%);
}
.eyebrow {
  color: var(--gold);
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 18px;
}
.hero-headline {
  display: flex;
  align-items: flex-start;
  gap: 28px;
}
.hero h1 {
  font-size: clamp(32px, 4.4vw, 52px);
  line-height: 1.15;
  font-weight: 700;
  max-width: none;
  flex: 1 1 auto;
  min-width: 0;
  letter-spacing: -0.025em;
}
.hero-video {
  flex: 0 0 280px;
  width: 280px;
  aspect-ratio: 16 / 9;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid var(--gold);
  background: #05070f;
  box-shadow: 0 16px 40px rgba(0,0,0,0.35);
  line-height: 0;
}
.hero-video video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.hero .lede {
  margin-top: 22px;
  max-width: 720px;
  color: #c5ccd8;
  font-size: 17.5px;
  line-height: 1.7;
}
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 36px; }
.hero-meta {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: rgba(197,168,128,0.18);
  margin-top: 64px;
  border: 1px solid rgba(197,168,128,0.22);
}
.hero-meta article {
  background: rgba(11,19,43,0.55);
  padding: 22px 24px;
}
.hero-meta strong {
  display: block;
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
}
.hero-meta p { color: #d5dbe4; font-size: 14px; }
.hero-signals {
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid rgba(197,168,128,0.22);
}
.hero-signals .eyebrow { margin-bottom: 10px; }
.hero-signals h2 {
  color: var(--white);
  font-size: clamp(22px, 2.4vw, 28px);
  max-width: none;
}
.signal-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  margin-top: 22px;
  background: rgba(197,168,128,0.18);
  border: 1px solid rgba(197,168,128,0.22);
}
.signal {
  background: rgba(11,19,43,0.55);
  padding: 18px 16px;
  color: #e8edf4;
  font-size: 13.5px;
  display: block;
}
.signal:hover { color: var(--gold); }

section { padding: 92px 0; }
.section-kicker {
  color: var(--gold-deep);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 12px;
}
h2 {
  font-size: clamp(26px, 3vw, 36px);
  letter-spacing: -0.02em;
  line-height: 1.25;
  margin-bottom: 18px;
}
.muted { color: var(--slate); max-width: 720px; }

.value { background: var(--off-white); }
.value-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: start;
}
.value-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px;
  box-shadow: var(--shadow);
}
.value-card h3 { font-size: 16px; margin-bottom: 10px; }
.value-card p { color: var(--slate); font-size: 14.5px; }
.value-list { margin-top: 22px; display: grid; gap: 14px; }
.value-item {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 12px;
  color: var(--slate);
  font-size: 14.5px;
}
.tick {
  width: 22px; height: 22px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  color: var(--gold-deep);
  display: grid; place-items: center;
  font-size: 11px;
  margin-top: 2px;
}

.matrix-head {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: end;
  margin-bottom: 40px;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.trust-card {
  border: 1px solid var(--line);
  background: var(--white);
  padding: 28px 26px 26px;
  min-height: 210px;
  cursor: pointer;
  transition: 0.22s ease;
}
.trust-card:hover, .trust-card.active {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}
.trust-num {
  font-size: 12px;
  color: var(--gold-deep);
  letter-spacing: 0.12em;
  font-weight: 600;
  margin-bottom: 14px;
}
.trust-card h3 { font-size: 18px; margin-bottom: 10px; }
.trust-card p { color: var(--slate); font-size: 14.5px; }
.trust-card.wide { grid-column: span 2; }
.detail-panel {
  margin-top: 22px;
  background: var(--navy);
  color: #dfe5ee;
  padding: 28px 32px;
  display: none;
}
.detail-panel.open { display: block; }
.detail-panel h4 { color: var(--gold); margin-bottom: 8px; font-size: 15px; }

.steps { background: var(--off-white); }
.step-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 40px;
}
.step {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px 28px;
}
.step-index {
  font-size: 42px;
  font-weight: 700;
  color: rgba(197,168,128,0.35);
  line-height: 1;
  margin-bottom: 16px;
}
.step h3 { font-size: 18px; margin-bottom: 10px; }
.step p { color: var(--slate); font-size: 14.5px; }

.quiz { background: linear-gradient(180deg, #fff 0%, #f7f6f3 100%); }
.quiz-shell {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
  align-items: start;
}
.quiz-card {
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 36px 34px;
  position: relative;
}
.progress {
  display: flex;
  gap: 8px;
  margin: 8px 0 26px;
}
.progress span {
  height: 3px;
  flex: 1;
  background: var(--line);
}
.progress span.on { background: var(--gold); }
.quiz-step { display: none; }
.quiz-step.active { display: block; }
.choice-grid { display: grid; gap: 10px; }
.choice {
  border: 1px solid var(--line);
  padding: 14px 16px;
  background: var(--white);
  text-align: left;
  cursor: pointer;
  font-size: 14.5px;
  color: var(--navy);
}
.choice:hover, .choice.selected { border-color: var(--gold); background: #fbf8f2; }
label.field {
  display: block;
  margin-bottom: 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
}
.hp {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.captcha-box {
  margin: 8px 0 18px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  background: var(--off-white);
}
.captcha-help {
  font-size: 14px;
  font-weight: 400;
  color: var(--slate);
  margin-bottom: 8px;
  line-height: 1.5;
}
.captcha-sum {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.02em;
  margin: 0 0 12px;
}
.captcha-box .field { margin-bottom: 0; }
.captcha-box input { max-width: 160px; }
input[type="text"], input[type="email"], input[type="tel"] {
  width: 100%;
  margin-top: 6px;
  border: 1px solid var(--line);
  padding: 12px 14px;
  font-size: 14.5px;
  outline: none;
}
input:focus { border-color: var(--gold); }
.quiz-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }
.aside-note {
  border-left: 2px solid var(--gold);
  padding-left: 18px;
  color: var(--slate);
  font-size: 14.5px;
}
.aside-note h3 { color: var(--navy); margin-bottom: 10px; font-size: 20px; }

footer {
  background: #0b132b;
  color: #c5ccd8;
  padding: 64px 0 28px;
  position: relative;
  overflow: hidden;
}
.legal {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(197,168,128,0.22);
  padding: 22px 24px;
  font-size: 13.5px;
  line-height: 1.7;
  margin-bottom: 36px;
}
.legal strong { color: var(--white); display: block; margin-bottom: 8px; font-size: 14px; }
.foot-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 36px;
}
footer h4 {
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
footer a { color: #d7dde6; }
footer a:hover { color: var(--gold); }
footer ul { list-style: none; display: grid; gap: 8px; font-size: 14px; }
.copy {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 18px;
  font-size: 12.5px;
  color: #8b96a8;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

dialog {
  border: 0;
  width: min(640px, calc(100% - 32px));
  padding: 0;
  border-radius: var(--radius);
}
dialog::backdrop { background: rgba(11,19,43,0.55); }
.modal { padding: 32px; }
.modal h3 { margin-bottom: 12px; }
.modal p { color: var(--slate); font-size: 14.5px; margin-bottom: 10px; }

.toast {
  position: fixed;
  right: 24px;
  bottom: 24px;
  background: var(--navy);
  color: var(--white);
  padding: 16px 20px;
  border-left: 3px solid var(--gold);
  box-shadow: var(--shadow);
  max-width: 360px;
  transform: translateY(120%);
  opacity: 0;
  transition: 0.28s ease;
  z-index: 80;
  font-size: 14px;
}
.toast.show {
  transform: none;
  opacity: 1;
}
.submit-ok {
  padding: 28px 24px;
  border: 1px solid var(--gold);
  background: var(--off-white);
}
.submit-ok-title {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  letter-spacing: 0.02em;
}
.submit-ok p { color: var(--slate); font-size: 15px; line-height: 1.6; }
.updated { color: #c5ccd8; font-size: 13px; margin-top: 14px; }
.hero .updated { opacity: 0.85; }
.benefits { background: var(--off-white); }
.struct-extra { display: none; }
.struct-extra.is-open { display: block; }
.struct-toggle-wrap { margin: 22px 0 8px; }
.guide-tease { padding: 0 0 72px; }
.guide-box {
  border: 1px solid var(--line);
  padding: 36px 32px;
  background: var(--off-white);
}
@media (max-width: 980px) {
  .signal-row { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .signal-row { grid-template-columns: 1fr; }
}

@media (max-width: 1200px) {
  .nav-links { gap: 14px; font-size: 13px; }
  .logo-text { max-width: 200px; }
  .nav-inner { gap: 12px; }
}
@media (max-width: 980px) {
  header.nav { position: sticky; }
  .nav-more { display: none; }
  .nav-links {
    display: none;
    white-space: normal;
  }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    left: 0; right: 0; top: 100%;
    background: #fff;
    padding: 16px 24px 22px;
    border-bottom: 1px solid var(--line);
    gap: 4px;
    z-index: 55;
  }
  .nav-links.open a {
    padding: 10px 0;
    border-bottom: 1px solid var(--line);
  }
  .nav-links.open a:last-child { border-bottom: 0; }
  .nav-links .nav-extra { display: block; }
  .menu-toggle { display: grid; place-items: center; }
  .logo-text { max-width: min(220px, 46vw); }
  .value-grid, .quiz-shell, .step-row, .foot-grid, .hero-meta { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-card.wide { grid-column: span 1; }
  .hero { padding: 56px 0 48px; }
  .hero-headline { gap: 20px; }
  .hero-video { flex: 0 0 220px; width: 220px; }
}
@media (max-width: 768px) {
  .wrap { width: min(1180px, calc(100% - 32px)); }
  .btn-sm { padding: 8px 12px; font-size: 12px; }
  .lang-btn { padding: 8px 8px; min-width: 44px; min-height: 40px; }
  .logo { font-size: 15px; }
  .logo-text { max-width: min(168px, 38vw); }
  .utility .wrap { min-height: 32px; font-size: 11px; }
  header.nav .btn-gold { display: none; }
  .hero-headline { flex-direction: column; gap: 18px; }
  .hero-video { width: min(280px, 100%); flex-basis: auto; }
  .eyebrow { letter-spacing: 0.1em; }
  .hero h1 { font-size: clamp(26px, 7vw, 36px); }
  .hero .lede { font-size: 16px; }
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; text-align: center; }
  section { padding: 56px 0; }
  .quiz-card { padding: 24px 18px; }
  .compare-table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
}
@media (max-width: 480px) {
  .wrap { width: calc(100% - 24px); }
  .logo-text { max-width: 118px; }
  .btn-sm { padding: 8px 10px; font-size: 11.5px; }
  .utility span:last-child { display: none; }
  .utility a.util-mail { font-size: 11px; white-space: normal; }
}

/* Blog + FAQ */
.card-link {
  display: inline-block;
  margin-top: 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gold-deep);
  letter-spacing: 0.04em;
}
.card-link:hover { color: var(--navy); }
.faq { background: var(--off-white); }
.faq-list { margin-top: 28px; display: grid; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 18px 22px;
}
.faq-item h3 { font-size: 16px; margin-bottom: 8px; }
.faq-item p { color: var(--slate); font-size: 14.5px; }
.page-hero {
  background: #0b132b;
  color: #fff;
  padding: 72px 0 56px;
  position: relative;
  overflow: hidden;
}
.page-hero h1 {
  font-size: clamp(28px, 3.4vw, 42px);
  letter-spacing: -0.02em;
  max-width: 860px;
  line-height: 1.2;
}
.crumbs { font-size: 13px; color: #c5ccd8; margin-bottom: 16px; }
.crumbs a { color: var(--gold); }
.article-wrap {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 48px;
  padding: 64px 0 92px;
  align-items: start;
}
.prose { max-width: 760px; }
.prose h2 { margin-top: 36px; font-size: 24px; }
.prose h3 { margin-top: 22px; font-size: 18px; }
.prose p, .prose li { color: var(--slate); font-size: 15.5px; margin-bottom: 14px; }
.prose ul, .prose ol { margin: 0 0 18px 22px; }
.prose a { color: var(--gold-deep); text-decoration: underline; }
.disclaimer-box {
  border-left: 3px solid var(--gold);
  background: var(--off-white);
  padding: 18px 20px;
  margin: 28px 0;
  font-size: 14px;
  color: var(--slate);
}
.side-card {
  border: 1px solid var(--line);
  padding: 22px;
  position: sticky;
  top: 96px;
}
.side-card h3 { font-size: 15px; margin-bottom: 10px; }
.side-card p, .side-card a { font-size: 13.5px; color: var(--slate); }
.side-card a { display: block; margin-top: 8px; color: var(--gold-deep); text-decoration: none; }
.side-card a:hover { color: var(--navy); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 36px;
}
.blog-card {
  border: 1px solid var(--line);
  padding: 26px;
  background: #fff;
}
.blog-card h2 { font-size: 20px; margin-bottom: 10px; }
.blog-card p { color: var(--slate); font-size: 14.5px; }
.related { display: grid; gap: 8px; margin-top: 12px; }
@media (max-width: 980px) {
  .article-wrap, .blog-grid { grid-template-columns: 1fr; }
  .side-card { position: static; }
}

/* Why-setup + comparison layouts */
.why-setup { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 36px;
}
.why-card {
  border: 1px solid var(--line);
  padding: 22px 20px;
  background: var(--off-white);
}
.why-card .why-num {
  font-size: 11px;
  letter-spacing: 0.14em;
  font-weight: 600;
  color: var(--gold-deep);
  margin-bottom: 10px;
}
.why-card h3 { font-size: 16px; margin-bottom: 8px; }
.why-card p { color: var(--slate); font-size: 14px; }
.struct-subhead {
  margin: 56px 0 28px;
}
.struct-subhead h3 {
  font-size: clamp(22px, 2.4vw, 28px);
  letter-spacing: -0.02em;
  margin-bottom: 10px;
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  margin: 18px 0 28px;
  font-size: 14.5px;
}
.compare-table th,
.compare-table td {
  border: 1px solid var(--line);
  padding: 12px 14px;
  text-align: left;
  vertical-align: top;
}
.compare-table th {
  background: var(--navy);
  color: var(--gold);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.03em;
}
.compare-table tr:nth-child(even) td { background: var(--off-white); }
.note-box {
  border: 1px solid var(--line);
  padding: 16px 18px;
  margin: 16px 0 24px;
  font-size: 14px;
  color: var(--slate);
  background: #fff;
}
@media (max-width: 980px) {
  .why-grid { grid-template-columns: 1fr; }
}