:root{
  --y:#f7d21a;         /* primary yellow */
  --y2:#ffd84a;        /* soft yellow */
  --g:#0f7a3a;         /* primary green */
  --g2:#0c5f2e;        /* dark green */
  --ink:#102015;
  --muted:#4b5563;
  --card:#ffffff;
  --bg:#f6f7f9;
  --shadow: 0 18px 55px rgba(0,0,0,.12);
  --shadow2: 0 12px 30px rgba(0,0,0,.10);
  --r: 26px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Inter,Arial,sans-serif;color:var(--ink);background:var(--bg)}

.container{max-width:1100px;margin:0 auto;padding:0 18px}

/* Top hero with sunburst */
.hero{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(900px 520px at 18% 28%, rgba(255,255,255,.45), rgba(255,255,255,0) 60%),
    linear-gradient(180deg, var(--y2), var(--y));
  padding:46px 0 18px;
}
.hero:before{
  content:"";
  position:absolute; inset:-220px -220px auto -220px;
  width:1200px;height:1200px;
  background: repeating-conic-gradient(from 0deg, rgba(255,255,255,.35) 0 10deg, rgba(255,255,255,0) 10deg 20deg);
  border-radius:999px;
  opacity:.6;
  transform:translate(120px, -120px);
}
.hero-grid{
  position:relative;
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:24px;
  align-items:center;
}
@media (max-width: 900px){
  .hero-grid{grid-template-columns:1fr;gap:18px}
}

.badge{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(255,255,255,.7);
  border:1px solid rgba(15,122,58,.15);
  padding:10px 14px;border-radius:999px;
  font-weight:800;font-size:13px;
}

.h1{
  margin:14px 0 10px;
  font-size:44px;line-height:1.05;
  letter-spacing:-.02em;
  font-weight:950;
}
@media (max-width: 900px){
  .h1{font-size:38px}
}
.h1 .accent{color:var(--g)}
.lead{margin:0;color:rgba(16,32,21,.86);font-size:17px;line-height:1.6;max-width:52ch}

.ctaRow{margin-top:18px;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:14px 18px;border-radius:16px;
  font-weight:900;text-decoration:none;
  border:0;cursor:pointer;
  box-shadow: var(--shadow2);
}
.btn.primary{
  background:linear-gradient(180deg,var(--g),var(--g2));
  color:#fff;
}
.btn.primary:hover{filter:brightness(.97)}
.btn.secondary{
  background:rgba(255,255,255,.78);
  color:var(--g2);
  border:1px solid rgba(15,122,58,.22);
}
.btn.secondary:hover{background:#fff}
.smallnote{font-size:12px;color:rgba(16,32,21,.7);margin-top:10px}

.heroCard{
  position:relative;
  border-radius:32px;
  box-shadow: var(--shadow);
  overflow:hidden;
  background:#fff;
  border:1px solid rgba(0,0,0,.06);
}
.heroCard .topbar{
  background:linear-gradient(180deg, rgba(15,122,58,.90), rgba(15,122,58,.78));
  padding:14px 16px;
  color:#fff;
  font-weight:950;
  font-size:16px;
  display:flex;justify-content:space-between;align-items:center;
}
.heroCard .topbar span{opacity:.9;font-weight:800}
.heroCard .inner{padding:16px}
.heroCard img{width:100%;height:auto;display:block;border-radius:24px}

/* HOW IT WORKS */
.section{padding:56px 0}
.sectionTitle{
  text-align:center;
  font-size:30px;line-height:1.15;
  font-weight:950;margin:0;
}
.sectionSub{
  text-align:center;
  max-width:70ch;margin:10px auto 0;
  color:var(--muted);line-height:1.6;
}
.panel{
  margin-top:22px;
  background:linear-gradient(180deg, #ffffff, #fbfbfb);
  border:1px solid rgba(0,0,0,.06);
  border-radius: var(--r);
  box-shadow: var(--shadow2);
  overflow:hidden;
}
.panelHead{
  background:linear-gradient(180deg, rgba(15,122,58,.95), rgba(15,122,58,.82));
  color:#fff;
  padding:14px 18px;
  font-weight:950;
  letter-spacing:.02em;
}
.panelBody{
  padding:18px;
  display:grid;
  grid-template-columns: 1.1fr .9fr;
  gap:18px;
}
@media (max-width: 900px){
  .panelBody{grid-template-columns:1fr}
}
.step{
  border-radius:22px;
  background:rgba(247,210,26,.10);
  border:1px solid rgba(15,122,58,.10);
  padding:16px;
  margin-bottom:12px;
}
.step:last-child{margin-bottom:0}
.stepTop{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.stepNum{
  width:34px;height:34px;border-radius:12px;
  background:linear-gradient(180deg,var(--y2),var(--y));
  display:grid;place-items:center;
  font-weight:950;color:var(--g2);
  box-shadow: 0 10px 22px rgba(0,0,0,.08);
}
.stepTitle{font-weight:950}
.stepText{margin:0;color:var(--muted);line-height:1.55;font-size:14px}
.checks{background:#fff;border-radius:22px;border:1px solid rgba(0,0,0,.06);padding:16px}
.checks h3{margin:0 0 10px;font-size:16px;font-weight:950}
.checks ul{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.checks li{display:flex;gap:10px;align-items:flex-start;color:var(--muted);line-height:1.5}
.tick{
  width:22px;height:22px;border-radius:8px;
  background:rgba(15,122,58,.10);
  border:1px solid rgba(15,122,58,.20);
  display:grid;place-items:center;
  color:var(--g2);
  font-weight:950;
}
.applyBox{
  margin-top:14px;
  background:linear-gradient(180deg,#fff,#f9fafb);
  border-radius:22px;
  padding:14px;
  border:1px solid rgba(0,0,0,.06);
}
.applyBox .btn{width:100%}

/* Chart block */
.chartBlock{
  margin-top:22px;
  border-radius: var(--r);
  overflow:hidden;
  border:1px solid rgba(0,0,0,.06);
  box-shadow: var(--shadow2);
  background:#fff;
}
.chartHead{
  display:flex;justify-content:space-between;align-items:center;gap:10px;
  padding:14px 18px;
  background:linear-gradient(180deg, rgba(247,210,26,.95), rgba(247,210,26,.78));
  font-weight:950;
}
.chartHead small{font-weight:800;color:rgba(16,32,21,.65)}
.chartBody{padding:18px}
.barRow{display:grid;gap:10px}
.bar{
  height:14px;border-radius:999px;background:#eef2f7;overflow:hidden;border:1px solid rgba(0,0,0,.06)
}
.bar > span{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg, var(--g), var(--g2))}
.barLabel{display:flex;justify-content:space-between;font-size:12px;color:rgba(16,32,21,.75);font-weight:800}

/* Reviews */
.reviews{
  background: linear-gradient(180deg, rgba(15,122,58,.07), rgba(15,122,58,0));
}
.reviewGrid{
  margin-top:18px;
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:14px;
}
@media (max-width: 900px){
  .reviewGrid{grid-template-columns:1fr}
}
.reviewCard{
  background:#fff;border-radius:22px;
  border:1px solid rgba(0,0,0,.06);
  box-shadow: var(--shadow2);
  overflow:hidden;
  display:grid;
  grid-template-columns: 120px 1fr;
  gap:14px;
  padding:14px;
}
.reviewCard img{
  width:120px;height:120px;border-radius:18px;object-fit:cover;border:1px solid rgba(0,0,0,.06)
}
.stars{color:#f59e0b;font-weight:950;letter-spacing:1px}
.reviewCard h4{margin:0;font-size:15px;font-weight:950}
.reviewCard p{margin:6px 0 0;color:var(--muted);font-size:13px;line-height:1.55}

/* Footer */
.footer{
  background:linear-gradient(180deg, rgba(15,122,58,.92), rgba(15,122,58,.82));
  color:#fff;
  padding:22px 0;
}
.footerRow{
  display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between
}
.footer a{color:#fff;text-decoration:none;opacity:.92}
.footer a:hover{opacity:1;text-decoration:underline}
.copy{opacity:.9;font-size:12px;margin-top:10px;text-align:center}