:root{
  --navy:#0b1640;
  --navy-light:#142057;
  --gold:#ffc933;
  --gold-light:#ffe69a;
  --text:#1a1a2e;
  --muted:#5b5f76;
  --bg:#ffffff;
  --bg-alt:#f6f7fb;
  --radius:14px;
}

*{box-sizing:border-box;}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);}
.container{max-width:1100px;margin:0 auto;padding:0 24px;}
section{padding:64px 0;}
section > .container > h2{font-size:30px;margin:8px 0 16px;color:var(--navy);}
section > .container > p{color:var(--muted);font-size:17px;line-height:1.6;max-width:720px;}
.eyebrow{display:inline-block;background:var(--bg-alt);color:var(--navy);font-weight:bold;font-size:13px;letter-spacing:.5px;text-transform:uppercase;padding:6px 14px;border-radius:20px;margin-bottom:10px;}
.eyebrow--dark{background:rgba(255,255,255,.12);color:#fff;}

/* announce bar */
.announce-bar{background:var(--gold);text-align:center;padding:10px 0;}
.announce-bar a{color:var(--navy);font-weight:bold;text-decoration:none;}

/* header */
.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid #eee;z-index:50;}
.header__inner{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);}
.brand__mark{height:44px;width:auto;}
.brand__mark-fallback{height:44px;width:44px;border-radius:10px;background:var(--navy);color:#fff;font-weight:bold;display:flex;align-items:center;justify-content:center;font-size:16px;}
.brand__name{font-weight:bold;font-size:18px;}

.allianz-logo{height:34px;width:auto;}
.allianz-logo--badge{height:30px;margin:6px 0;}
.allianz-logo--stats{height:46px;}
.allianz-logo--footer{height:32px;}
.badge{display:inline-flex;align-items:center;background:var(--bg-alt);color:var(--navy);font-weight:bold;font-size:13px;padding:6px 12px;border-radius:20px;}

.btn-primary{display:inline-block;background:var(--gold);color:var(--navy);font-weight:bold;text-decoration:none;padding:14px 28px;border-radius:10px;border:none;cursor:pointer;font-size:16px;text-align:center;}
.btn-primary--small{padding:10px 20px;font-size:14px;}
.btn-primary--block{display:block;width:100%;}

/* hero */
.hero{background:var(--navy);color:#fff;padding:56px 0;}
.hero__inner{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start;}
.hero__copy h1{font-size:38px;line-height:1.25;margin:14px 0;}
.hero__subtitle{color:#cfd3e8;font-size:18px;line-height:1.6;}
.hero__meta{display:flex;gap:18px;flex-wrap:wrap;margin-top:16px;color:#cfd3e8;font-size:14px;}

.hero__card{background:#fff;color:var(--text);border-radius:var(--radius);padding:32px;text-align:center;box-shadow:0 20px 50px rgba(0,0,0,.25);}
.avatar{width:64px;height:64px;border-radius:50%;overflow:hidden;margin:0 auto 14px;display:flex;align-items:center;justify-content:center;background:var(--bg-alt);}
.avatar img{width:100%;height:100%;object-fit:cover;}
.avatar__fallback{font-weight:bold;color:var(--navy);}
.hero__card h2{margin:0 0 4px;font-size:20px;}
.hero__card-meta{color:var(--muted);font-size:14px;margin-bottom:20px;}

.lead-form{text-align:left;}
.hidden-field{position:absolute;left:-9999px;}
.field{display:block;margin-bottom:14px;}
.field span{display:block;font-size:13px;font-weight:bold;margin-bottom:6px;}
.field input{width:100%;padding:12px;border:1px solid #ddd;border-radius:8px;font-size:15px;}
.form__note{font-size:12px;color:var(--muted);text-align:center;margin-top:12px;}

/* advisor */
.advisor__inner{display:flex;gap:32px;align-items:center;}
.advisor__photo{width:180px;height:180px;border-radius:var(--radius);overflow:hidden;flex-shrink:0;background:var(--bg-alt);display:flex;align-items:center;justify-content:center;}
.advisor__photo img{width:100%;height:100%;object-fit:cover;}
.advisor__photo-fallback{font-size:42px;font-weight:bold;color:var(--navy);}
.advisor__copy h3{font-size:26px;margin:6px 0 2px;}
.advisor__role{color:var(--muted);margin:0 0 10px;}

/* stats */
.stats{background:var(--bg-alt);}
.stats__inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:24px;}
.stat{display:flex;flex-direction:column;}
.stat__num{font-size:28px;font-weight:bold;color:var(--navy);}
.stat__label{color:var(--muted);font-size:14px;}
.stats__allianz{display:flex;align-items:center;}

/* testimonials */
.testimonials__grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0;}
.testimonial{background:var(--bg-alt);border-radius:var(--radius);padding:24px;}
.testimonial__tag{display:inline-block;background:#fff;font-size:12px;font-weight:bold;color:var(--navy);padding:4px 10px;border-radius:14px;margin-bottom:12px;}
.testimonial p{color:var(--text);font-size:15px;line-height:1.55;}
.t-person{display:flex;align-items:center;gap:10px;margin-top:14px;}
.t-avatar{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:bold;font-size:13px;overflow:hidden;flex-shrink:0;}
.t-avatar img{width:100%;height:100%;object-fit:cover;}
.t-person div strong{display:block;font-size:14px;}
.t-person div span{font-size:13px;color:var(--muted);}
.testimonials__disclaimer{font-size:12px;color:var(--muted);margin:8px 0 20px;}

/* reality */
.reality{background:var(--navy);color:#fff;text-align:center;}
.reality h2{color:#fff;max-width:780px;margin:0 auto 18px;font-size:28px;}
.reality p{color:#cfd3e8;max-width:680px;margin:0 auto 24px;}

/* reasons */
.reasons__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0;}
.reason-card{background:var(--bg-alt);border-radius:var(--radius);padding:24px;}
.reason-card h3{margin-top:0;color:var(--navy);}

/* mechanism */
.mechanism{background:var(--bg-alt);}
.mechanism__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:24px 0;}
.step-card{background:#fff;border-radius:var(--radius);padding:22px;}
.step-num{color:var(--gold);font-weight:bold;font-size:22px;}
.step-card h3{margin:8px 0 6px;font-size:17px;}

/* learn / audience lists */
.learn__list,.audience__list{list-style:none;padding:0;margin:24px 0;display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.learn__list li{padding-left:26px;position:relative;}
.learn__list li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:bold;}
.audience__list li{background:var(--bg-alt);border-radius:10px;padding:14px 18px;}

/* faq */
.faq details{border-bottom:1px solid #eee;padding:14px 0;}
.faq summary{font-weight:bold;cursor:pointer;color:var(--navy);}
.faq p{margin-top:10px;}

/* final cta */
.cta{background:var(--bg-alt);text-align:center;}
.cta h2{max-width:680px;margin:0 auto 16px;}
.cta__meta{display:flex;justify-content:center;gap:18px;color:var(--muted);font-size:14px;margin-bottom:20px;flex-wrap:wrap;}
.gracias{padding:90px 0;}
.gracias h1{margin:14px 0;}

/* footer */
.site-footer{background:var(--navy);color:#fff;}
.footer__inner{display:flex;flex-direction:column;align-items:center;gap:12px;text-align:center;padding:32px 24px;}
.footer__legal{color:#9aa0c2;font-size:13px;margin:0;}

@media (max-width:900px){
  .hero__inner{grid-template-columns:1fr;}
  .advisor__inner{flex-direction:column;text-align:center;}
  .testimonials__grid{grid-template-columns:1fr;}
  .reasons__grid{grid-template-columns:1fr;}
  .mechanism__grid{grid-template-columns:1fr 1fr;}
  .learn__list,.audience__list{grid-template-columns:1fr;}
  .stats__inner{justify-content:center;text-align:center;}
}