:root {
      --navy: #071A3D;
      --royal: #0052B8;
      --blue: #1261D1;
      --blue-dark: #003E8A;
      --sky: #EAF3FF;
      --teal: #007C89;
      --gold: #F2C94C;
      --ink: #172033;
      --muted: #596579;
      --line: #D8E1EE;
      --paper: #F6F8FB;
      --white: #FFFFFF;
      --shadow: 0 14px 34px rgba(7, 26, 61, .10);
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--ink);
      background: var(--white);
      line-height: 1.55;
    }

    body::before {
      content: "";
      position: fixed;
      inset: 0;
      pointer-events: none;
      background:
        linear-gradient(135deg, rgba(0, 82, 184, .05), transparent 34%),
        linear-gradient(315deg, rgba(0, 124, 137, .05), transparent 32%);
      z-index: -1;
    }

    a {
      color: inherit;
      text-decoration: none;
    }

    img {
      max-width: 100%;
      display: block;
    }

    .container {
      width: min(1180px, calc(100% - 40px));
      margin: 0 auto;
    }

    .site-header {
      position: sticky;
      top: 0;
      z-index: 30;
      background: var(--white);
      box-shadow: 0 2px 0 rgba(7, 26, 61, .08);
    }

    .brand-row {
      min-height: 154px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 28px;
      padding: 24px 0;
      background: var(--white);
    }

    .logo {
      display: inline-flex;
      align-items: center;
      min-width: 0;
    }

    .logo img {
      height: 148px;
      width: auto;
    }

    .logo-fallback {
      color: var(--navy);
      font-size: 28px;
      font-weight: 800;
    }

    .header-support {
      display: flex;
      align-items: center;
      gap: 16px;
      color: var(--navy);
      font-size: 14px;
      font-weight: 700;
      text-align: right;
    }

    .header-support span {
      border-left: 4px solid var(--gold);
      padding-left: 14px;
    }

    .nav-band {
      background: var(--royal);
      color: var(--white);
    }

    .nav-inner {
      min-height: 58px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 2px;
      flex-wrap: wrap;
    }

    .nav-links a {
      display: inline-flex;
      align-items: center;
      min-height: 58px;
      padding: 0 16px;
      color: var(--white);
      font-size: 14px;
      font-weight: 800;
    }

    .nav-links a:hover {
      background: rgba(255, 255, 255, .12);
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 48px;
      border: 2px solid transparent;
      border-radius: 4px;
      padding: 12px 20px;
      font-size: 15px;
      font-weight: 800;
      line-height: 1.2;
      transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
    }

    .btn:hover {
      transform: translateY(-1px);
    }

    .btn-primary {
      color: var(--white);
      background: var(--blue);
      box-shadow: 0 10px 22px rgba(0, 82, 184, .20);
    }

    .btn-primary:hover {
      background: var(--blue-dark);
    }

    .btn-secondary {
      color: var(--navy);
      background: var(--white);
      border-color: var(--line);
    }

    .btn-nav {
      color: var(--navy);
      background: var(--white);
      border-color: var(--white);
      box-shadow: none;
      white-space: nowrap;
    }

    .hero {
      position: relative;
      overflow: hidden;
      background:
        linear-gradient(105deg, var(--white) 0%, var(--white) 58%, var(--sky) 58%, var(--sky) 100%);
      border-bottom: 1px solid var(--line);
    }

    .hero::before {
      content: "";
      position: absolute;
      right: -140px;
      top: 0;
      width: 44vw;
      height: 100%;
      background: linear-gradient(135deg, rgba(0, 82, 184, .18), rgba(0, 124, 137, .08));
      clip-path: polygon(22% 0, 100% 0, 100% 100%, 0 100%);
    }

    .hero-layout {
      position: relative;
      display: grid;
      grid-template-columns: minmax(0, 1.05fr) minmax(360px, .95fr);
      align-items: center;
      gap: 56px;
      min-height: 650px;
      padding: 74px 0;
    }

    .scheme-label {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      color: var(--blue-dark);
      background: var(--sky);
      border-left: 5px solid var(--blue);
      padding: 9px 14px;
      font-size: 13px;
      font-weight: 900;
      text-transform: uppercase;
    }

    .hero h1 {
      max-width: 720px;
      margin: 24px 0 22px;
      color: var(--navy);
      font-size: clamp(42px, 5.4vw, 68px);
      line-height: 1.04;
      letter-spacing: 0;
    }

    .hero-subheading {
      max-width: 700px;
      margin: 0 0 30px;
      color: #33415C;
      font-size: 21px;
      line-height: 1.55;
    }

    .hero-actions {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      align-items: center;
    }

    .hero-note {
      margin-top: 24px;
      color: var(--muted);
      font-size: 14px;
      max-width: 610px;
    }

    .hero-media {
      position: relative;
      min-height: 500px;
    }

    .hero-media::before {
      content: "";
      position: absolute;
      inset: 28px -18px -18px 42px;
      background: var(--navy);
      clip-path: polygon(12% 0, 100% 0, 100% 90%, 0 100%, 0 12%);
    }

    .hero-media::after {
      content: "";
      position: absolute;
      right: -26px;
      top: -24px;
      width: 138px;
      height: 138px;
      background:
        linear-gradient(135deg, var(--gold) 0 50%, transparent 50%),
        linear-gradient(315deg, rgba(0, 124, 137, .95) 0 50%, transparent 50%);
      clip-path: polygon(0 0, 100% 0, 100% 100%, 18% 100%);
    }

    .hero-media img {
      position: relative;
      z-index: 1;
      width: 100%;
      height: 500px;
      object-fit: cover;
      clip-path: polygon(0 0, 100% 0, 100% 88%, 12% 100%, 0 76%);
      box-shadow: var(--shadow);
    }

    .image-caption {
      position: absolute;
      z-index: 2;
      left: 0;
      bottom: 24px;
      width: min(360px, calc(100% - 44px));
      background: var(--white);
      border-left: 6px solid var(--blue);
      padding: 18px 20px;
      box-shadow: var(--shadow);
    }

    .image-caption strong {
      display: block;
      color: var(--navy);
      font-size: 18px;
      margin-bottom: 4px;
    }

    .image-caption span {
      color: var(--muted);
      font-size: 14px;
    }

    .trust-strip {
      background: var(--navy);
      color: var(--white);
    }

    .trust-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1px;
      background: rgba(255, 255, 255, .16);
    }

    .trust-block {
      min-height: 112px;
      padding: 24px;
      background: var(--navy);
      border-top: 5px solid var(--gold);
    }

    .trust-block strong {
      display: block;
      margin-bottom: 8px;
      font-size: 18px;
      color: var(--white);
    }

    .trust-block span {
      color: rgba(255, 255, 255, .76);
      font-size: 14px;
    }

    section {
      padding: 88px 0;
      scroll-margin-top: 188px;
    }

    .section-header {
      max-width: 830px;
      margin-bottom: 40px;
    }

    .section-cta {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      align-items: center;
      margin-top: 34px;
    }

    .eyebrow {
      margin-bottom: 12px;
      color: var(--blue-dark);
      font-size: 13px;
      font-weight: 900;
      letter-spacing: .08em;
      text-transform: uppercase;
    }

    h2 {
      margin: 0 0 18px;
      color: var(--navy);
      font-size: clamp(31px, 4vw, 48px);
      line-height: 1.12;
      letter-spacing: 0;
    }

    h3 {
      margin: 0 0 10px;
      color: var(--navy);
      font-size: 22px;
      line-height: 1.22;
      letter-spacing: 0;
    }

    p {
      margin: 0;
    }

    .lead {
      color: var(--muted);
      font-size: 19px;
      line-height: 1.65;
    }

    .section-panel {
      background: var(--paper);
      border-top: 1px solid var(--line);
      border-bottom: 1px solid var(--line);
    }

    .stall-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .issue-card,
    .system-card,
    .audience-card,
    .guidance-card,
    .testimonial-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 6px;
      box-shadow: 0 10px 26px rgba(7, 26, 61, .06);
    }

    .issue-card {
      min-height: 210px;
      padding: 26px;
      position: relative;
      overflow: hidden;
    }

    .issue-card::before {
      content: "";
      position: absolute;
      left: 0;
      top: 0;
      width: 7px;
      height: 100%;
      background: var(--blue);
    }

    .issue-card span {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 38px;
      height: 38px;
      margin-bottom: 20px;
      color: var(--white);
      background: var(--navy);
      font-weight: 900;
    }

    .issue-card p,
    .system-card p,
    .audience-card p,
    .guidance-card p,
    .testimonial-card p {
      color: var(--muted);
      font-size: 16px;
    }

    .system-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 22px;
    }

    .system-card {
      display: grid;
      grid-template-columns: 72px minmax(0, 1fr);
      gap: 18px;
      min-height: 220px;
      padding: 26px;
    }

    .system-number {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 64px;
      height: 64px;
      color: var(--white);
      background: var(--royal);
      font-size: 26px;
      font-weight: 900;
      clip-path: polygon(0 0, 100% 0, 100% 82%, 82% 100%, 0 100%);
    }

    .audience-layout {
      display: grid;
      grid-template-columns: minmax(0, 1fr) 430px;
      gap: 42px;
      align-items: start;
    }

    .audience-card {
      padding: 30px;
      border-top: 6px solid var(--teal);
    }

    .audience-list {
      display: grid;
      gap: 12px;
      margin: 26px 0 0;
      padding: 0;
      list-style: none;
    }

    .audience-list li {
      display: flex;
      align-items: center;
      gap: 12px;
      padding: 13px 0;
      border-bottom: 1px solid var(--line);
      color: var(--navy);
      font-weight: 800;
    }

    .audience-list li::before {
      content: "";
      width: 12px;
      height: 12px;
      flex: 0 0 auto;
      background: var(--blue);
      clip-path: polygon(0 0, 100% 0, 100% 100%, 28% 100%, 0 72%);
    }

    .support-panel {
      position: relative;
      padding: 34px;
      color: var(--white);
      background: var(--navy);
      overflow: hidden;
      box-shadow: var(--shadow);
    }

    .support-panel::after {
      content: "";
      position: absolute;
      right: -58px;
      bottom: -66px;
      width: 220px;
      height: 220px;
      background: rgba(242, 201, 76, .90);
      clip-path: polygon(30% 0, 100% 0, 100% 100%, 0 100%, 0 30%);
    }

    .support-panel h3,
    .support-panel p {
      position: relative;
      z-index: 1;
      color: var(--white);
    }

    .support-panel p {
      color: rgba(255, 255, 255, .78);
      font-size: 17px;
      line-height: 1.65;
    }

    .serious-section {
      color: var(--white);
      background:
        linear-gradient(120deg, rgba(7, 26, 61, .95), rgba(0, 62, 138, .90)),
        url("https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=1600&q=80");
      background-size: cover;
      background-position: center;
    }

    .serious-section h2,
    .serious-section .eyebrow {
      color: var(--white);
    }

    .serious-section .lead {
      max-width: 820px;
      color: rgba(255, 255, 255, .82);
    }

    .serious-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 18px;
      margin-top: 38px;
    }

    .serious-item {
      min-height: 150px;
      padding: 24px;
      background: rgba(255, 255, 255, .10);
      border: 1px solid rgba(255, 255, 255, .20);
      border-radius: 6px;
    }

    .serious-item strong {
      display: block;
      color: var(--gold);
      font-size: 18px;
      margin-bottom: 8px;
    }

    .serious-item span {
      color: rgba(255, 255, 255, .78);
      font-size: 15px;
    }

    .guidance-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .guidance-card {
      padding: 28px;
      border-top: 6px solid var(--blue);
    }

    .testimonial-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .testimonial-card {
      display: flex;
      flex-direction: column;
      min-height: 280px;
      padding: 30px;
      border-top: 6px solid var(--teal);
    }

    .testimonial-card blockquote {
      margin: 0 0 24px;
      color: var(--ink);
      font-size: 18px;
      line-height: 1.62;
    }

    .testimonial-card cite {
      margin-top: auto;
      color: var(--navy);
      font-style: normal;
      font-weight: 900;
    }

    .final-cta {
      background: var(--royal);
      color: var(--white);
      padding: 74px 0;
      position: relative;
      overflow: hidden;
    }

    .final-cta::after {
      content: "";
      position: absolute;
      right: -70px;
      top: -80px;
      width: 300px;
      height: 300px;
      background: rgba(242, 201, 76, .22);
      clip-path: polygon(0 0, 100% 0, 100% 100%, 24% 100%);
    }

    .cta-layout {
      position: relative;
      z-index: 1;
      display: grid;
      grid-template-columns: minmax(0, 1fr) auto;
      gap: 34px;
      align-items: center;
    }

    .final-cta h2 {
      color: var(--white);
    }

    .final-cta p {
      max-width: 760px;
      color: rgba(255, 255, 255, .84);
      font-size: 19px;
      line-height: 1.65;
    }

    .form-section {
      background: var(--paper);
    }

    .form-layout {
      display: grid;
      grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr);
      gap: 44px;
      align-items: start;
    }

    .form-intro {
      padding-top: 10px;
    }

    .application-note {
      margin-top: 28px;
      padding: 24px;
      background: var(--white);
      border-left: 6px solid var(--gold);
      box-shadow: 0 10px 22px rgba(7, 26, 61, .05);
    }

    .application-note strong {
      display: block;
      color: var(--navy);
      font-size: 18px;
      margin-bottom: 8px;
    }

    .application-note span {
      color: var(--muted);
      font-size: 15px;
    }

    .application-form {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 20px;
      padding: 34px;
      background: var(--white);
      border: 1px solid var(--line);
      border-top: 8px solid var(--blue);
      box-shadow: var(--shadow);
    }

    .field {
      display: grid;
      gap: 8px;
    }

    .field-full {
      grid-column: 1 / -1;
    }

    label {
      color: var(--navy);
      font-size: 14px;
      font-weight: 900;
    }

    input,
    select,
    textarea {
      width: 100%;
      min-height: 50px;
      border: 1px solid #BFCBDA;
      border-radius: 4px;
      padding: 13px 14px;
      color: var(--ink);
      background: var(--white);
      font: inherit;
    }

    textarea {
      min-height: 140px;
      resize: vertical;
    }

    input:focus,
    select:focus,
    textarea:focus {
      outline: 3px solid rgba(242, 201, 76, .55);
      border-color: var(--navy);
    }

    .form-actions {
      grid-column: 1 / -1;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
      padding-top: 8px;
      border-top: 1px solid var(--line);
    }

    .form-actions small {
      max-width: 420px;
      color: var(--muted);
      font-size: 13px;
      line-height: 1.45;
    }

    footer {
      padding: 36px 0;
      color: rgba(255, 255, 255, .78);
      background: var(--navy);
      font-size: 14px;
    }

    .footer-grid {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
    }

    .footer-grid strong {
      display: block;
      color: var(--white);
      margin-bottom: 4px;
    }

    @media (max-width: 1050px) {
      .brand-row,
      .nav-inner,
      .footer-grid {
        align-items: flex-start;
        flex-direction: column;
      }

      .header-support {
        text-align: left;
      }

      .nav-links a {
        min-height: 48px;
      }

      .hero-layout,
      .audience-layout,
      .form-layout,
      .cta-layout {
        grid-template-columns: 1fr;
      }

      .hero-layout {
        min-height: auto;
      }

      .hero-media {
        min-height: 420px;
      }

      .hero-media img {
        height: 420px;
      }

      .trust-grid,
      .stall-grid,
      .system-grid,
      .serious-grid,
      .guidance-grid,
      .testimonial-grid {
        grid-template-columns: repeat(2, 1fr);
      }
    }

    @media (max-width: 720px) {
      .container {
        width: min(100% - 28px, 1180px);
      }

      .logo img {
        height: 112px;
      }

      .brand-row {
        min-height: 150px;
        padding: 18px 0;
      }

      .header-support {
        display: none;
      }

      .nav-links {
        width: 100%;
        display: grid;
        grid-template-columns: 1fr;
      }

      .nav-links a {
        min-height: 42px;
        padding: 8px 0;
        border-bottom: 1px solid rgba(255, 255, 255, .16);
      }

      .btn,
      .btn-nav {
        width: 100%;
      }

      .hero {
        background: var(--white);
      }

      .hero-layout {
        padding: 48px 0 58px;
        gap: 34px;
      }

      .hero h1 {
        font-size: 42px;
      }

      .hero-subheading {
        font-size: 18px;
      }

      .hero-actions {
        flex-direction: column;
        align-items: stretch;
      }

      .hero-media,
      .hero-media img {
        min-height: 330px;
        height: 330px;
      }

      .image-caption {
        position: relative;
        bottom: auto;
        width: 100%;
        margin-top: -6px;
      }

      section {
        padding: 62px 0;
        scroll-margin-top: 410px;
      }

      .trust-grid,
      .stall-grid,
      .system-grid,
      .serious-grid,
      .guidance-grid,
      .testimonial-grid,
      .application-form {
        grid-template-columns: 1fr;
      }

      .system-card {
        grid-template-columns: 56px minmax(0, 1fr);
      }

      .system-number {
        width: 52px;
        height: 52px;
        font-size: 22px;
      }

      .application-form {
        padding: 24px;
      }

      .form-actions {
        flex-direction: column;
        align-items: stretch;
      }
    }
  

    /* Premium growth programme additions */
    .hero-points {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 12px;
      max-width: 640px;
      margin-top: 28px;
    }

    .hero-points span {
      display: flex;
      align-items: center;
      min-height: 58px;
      padding: 14px 16px;
      color: var(--navy);
      background: var(--white);
      border: 1px solid var(--line);
      border-left: 5px solid var(--gold);
      font-size: 15px;
      font-weight: 900;
      box-shadow: 0 8px 18px rgba(7, 26, 61, .05);
    }

    .loss-statements {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 18px;
      margin: 0 0 34px;
    }

    .loss-statement {
      padding: 22px 24px;
      color: var(--navy);
      background: var(--white);
      border-left: 6px solid var(--gold);
      box-shadow: 0 10px 24px rgba(7, 26, 61, .06);
      font-size: 18px;
      font-weight: 900;
      line-height: 1.35;
    }

    .credibility-section {
      position: relative;
      background:
        linear-gradient(180deg, #FFFFFF 0%, #F7F9FC 100%);
      border-bottom: 1px solid var(--line);
    }

    .credibility-header {
      max-width: 910px;
      margin-bottom: 42px;
    }

    .credibility-header .lead {
      max-width: 830px;
    }

    .credibility-header .lead + .lead {
      margin-top: 10px;
    }

    .credibility-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
    }

    .credibility-card {
      display: flex;
      flex-direction: column;
      min-height: 430px;
      padding: 34px;
      background: rgba(255, 255, 255, .92);
      border: 1px solid rgba(216, 225, 238, .95);
      border-radius: 8px;
      box-shadow: 0 18px 38px rgba(7, 26, 61, .08);
    }

    .initials-badge {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 62px;
      height: 62px;
      margin-bottom: 22px;
      color: var(--white);
      background:
        linear-gradient(135deg, var(--navy), var(--royal));
      border: 4px solid var(--sky);
      border-radius: 999px;
      font-size: 19px;
      font-weight: 900;
      letter-spacing: .03em;
    }

    .credibility-card h3 {
      margin-bottom: 4px;
      font-size: 22px;
    }

    .client-role {
      color: var(--blue-dark);
      font-size: 14px;
      font-weight: 900;
    }

    .client-context {
      margin-top: 6px;
      color: var(--muted);
      font-size: 14px;
      font-weight: 700;
    }

    .credibility-card blockquote {
      margin: 28px 0 26px;
      color: var(--ink);
      font-size: 18px;
      line-height: 1.68;
    }

    .outcome-tag {
      align-self: flex-start;
      margin-top: auto;
      padding: 9px 12px;
      color: var(--navy);
      background: var(--sky);
      border-left: 4px solid var(--gold);
      border-radius: 4px;
      font-size: 13px;
      font-weight: 900;
    }

    .credibility-note {
      max-width: 980px;
      margin-top: 34px;
      padding: 24px 28px;
      color: #33415C;
      background: var(--white);
      border-left: 6px solid var(--blue);
      box-shadow: 0 10px 24px rgba(7, 26, 61, .05);
      font-size: 15px;
      line-height: 1.65;
    }

    .process-grid {
      grid-template-columns: repeat(4, 1fr);
    }

    .process-grid .serious-item {
      min-height: 230px;
    }

    .process-grid .serious-item span {
      display: block;
      font-size: 15px;
      line-height: 1.6;
    }

    .included-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 18px;
    }

    .included-card {
      display: grid;
      grid-template-columns: 40px minmax(0, 1fr);
      gap: 16px;
      padding: 24px;
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 6px;
      box-shadow: 0 10px 26px rgba(7, 26, 61, .06);
    }

    .included-card::before {
      content: "";
      width: 36px;
      height: 36px;
      margin-top: 2px;
      background: var(--royal);
      clip-path: polygon(0 0, 100% 0, 100% 76%, 76% 100%, 0 100%);
    }

    .included-card h3 {
      font-size: 19px;
    }

    .included-card p {
      color: var(--muted);
      font-size: 15px;
    }

    .guarantee-panel {
      padding: 38px;
      color: var(--white);
      background: var(--navy);
      border-left: 8px solid var(--gold);
      box-shadow: var(--shadow);
    }

    .guarantee-panel h3 {
      color: var(--white);
      font-size: 30px;
    }

    .guarantee-panel p {
      color: rgba(255, 255, 255, .82);
      font-size: 17px;
      line-height: 1.7;
    }

    .qualification-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 22px;
    }

    .who-layout {
      grid-template-columns: 360px minmax(0, 1fr);
    }

    .qualification-card {
      padding: 30px;
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 6px;
      box-shadow: 0 10px 26px rgba(7, 26, 61, .06);
    }

    .qualification-card.good {
      border-top: 6px solid var(--teal);
    }

    .qualification-card.poor {
      border-top: 6px solid var(--gold);
    }

    .qualification-card .audience-list {
      margin-top: 16px;
    }

    .value-panel {
      max-width: 850px;
    }

    .value-list {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 18px;
      margin-top: 34px;
    }

    .value-item {
      padding: 24px;
      color: var(--white);
      background: rgba(255, 255, 255, .10);
      border: 1px solid rgba(255, 255, 255, .20);
      border-radius: 6px;
    }

    .value-item strong {
      display: block;
      color: var(--gold);
      font-size: 18px;
      margin-bottom: 8px;
    }

    .value-item span {
      color: rgba(255, 255, 255, .80);
      font-size: 15px;
      line-height: 1.6;
    }

    .scarcity-note {
      margin-top: 18px;
      color: rgba(255, 255, 255, .86);
      font-size: 14px;
      font-weight: 800;
    }

    @media (max-width: 1050px) {
      .process-grid,
      .who-layout,
      .credibility-grid,
      .loss-statements,
      .value-list {
        grid-template-columns: repeat(2, 1fr);
      }

      .who-layout {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 720px) {
      .hero-points,
      .loss-statements,
      .process-grid,
      .credibility-grid,
      .included-grid,
      .qualification-grid,
      .value-list {
        grid-template-columns: 1fr;
      }

      .credibility-card {
        min-height: auto;
        padding: 28px;
      }

      .included-card {
        grid-template-columns: 34px minmax(0, 1fr);
        padding: 22px;
      }

      .guarantee-panel {
        padding: 28px;
      }
    }