:root{--navy:#07162d;--navy2:#10284a;--gold:#d7a84a;--white:#fff;--bg:#f4f6f9;--text:#18202b}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--white)}
a{text-decoration:none;color:inherit}.top{background:var(--navy);color:white;padding:13px 5%;display:flex;justify-content:space-between;align-items:center;gap:20px}
.brand{font-size:25px;font-weight:900;letter-spacing:.3px}.brand span{color:var(--gold)}
.toplinks{display:flex;gap:18px;font-weight:700}.hero{background:linear-gradient(120deg,#07162d,#15365e);color:white;padding:72px 6%}
.hero-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.2fr .8fr;gap:45px;align-items:center}
.eyebrow{color:#f0c66c;font-weight:800;text-transform:uppercase;letter-spacing:1.2px}.hero h1{font-size:52px;line-height:1.03;margin:12px 0 18px;max-width:760px}
.hero p{font-size:20px;line-height:1.55;color:#e5eaf0}.checks{display:grid;gap:10px;margin:24px 0}.checks div:before{content:"✓";color:#f0c66c;font-weight:bold;margin-right:10px}
.card{background:white;color:var(--text);border-radius:18px;padding:27px;box-shadow:0 20px 55px #0005}.card h2{margin-top:0}
input,select,textarea{width:100%;padding:13px;margin:7px 0;border:1px solid #d5dae1;border-radius:9px;font-size:15px}
.btn{display:inline-block;background:var(--gold);color:#07162d;padding:14px 21px;border-radius:9px;font-weight:900;border:0;cursor:pointer}
.btn2{display:inline-block;border:2px solid var(--gold);color:white;padding:12px 20px;border-radius:9px;font-weight:800;margin-left:8px}
section{padding:60px 6%}.wrap{max-width:1180px;margin:auto}.center{text-align:center}.lead{font-size:19px;color:#56606d;line-height:1.65}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.box{background:var(--bg);padding:25px;border-radius:14px}.box h3{margin-top:0;color:var(--navy)}
.links{display:flex;flex-wrap:wrap;gap:10px}.links a{background:#edf1f6;padding:10px 13px;border-radius:8px;font-weight:700;color:#17304e}
.dark{background:var(--navy);color:white}.dark .lead{color:#dce3eb}.steps{counter-reset:s}.step:before{counter-increment:s;content:counter(s);display:block;width:38px;height:38px;line-height:38px;text-align:center;background:var(--gold);border-radius:50%;font-weight:900;margin-bottom:12px}
footer{background:#041021;color:#cdd6e2;padding:35px 6%}.foot{max-width:1180px;margin:auto;display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}
.sticky{display:none}
@media(max-width:800px){.hero-inner,.grid{grid-template-columns:1fr}.hero h1{font-size:38px}.toplinks{display:none}.hero{padding:48px 5%}.sticky{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:9}.sticky a{width:50%;text-align:center;padding:15px;background:var(--navy);color:white;font-weight:900}.sticky a:last-child{background:var(--gold);color:#07162d}body{padding-bottom:50px}}

/* V4 Conversion upgrade */
.trustbar{background:#fff;border-bottom:1px solid #e6eaf0;padding:10px 6%}
.trustbar .wrap{display:flex;justify-content:center;gap:28px;flex-wrap:wrap;font-weight:800;color:#17304e;font-size:14px}
.badge{display:inline-flex;align-items:center;gap:8px;background:#eef3f8;padding:8px 12px;border-radius:999px;font-weight:800}
.cta-panel{background:#f7f8fb;border:1px solid #e5e9ef;border-radius:16px;padding:24px;margin-top:26px}
.cta-panel h3{margin-top:0}
.compare{background:linear-gradient(135deg,#0b1d38,#183d69);color:white;border-radius:18px;padding:30px}
.compare p{color:#e4ebf3;line-height:1.65}
.faq{display:grid;gap:12px}
.faq details{background:#f5f7fa;border-radius:12px;padding:16px 18px}
.faq summary{cursor:pointer;font-weight:900;color:#0b203d}
.notice{font-size:13px;color:#68717d;line-height:1.5}
.hero .micro{font-size:14px;color:#c9d6e4;margin-top:14px}
.pricecheck{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kpi{background:white;border:1px solid #e5e9ef;border-radius:14px;padding:20px;text-align:center}
.kpi b{display:block;font-size:25px;color:#0a1e39}
@media(max-width:800px){.pricecheck{grid-template-columns:1fr}.trustbar .wrap{gap:10px;justify-content:flex-start}}

/* V5 PREMIUM */
:root{--ink:#071426;--gold2:#f0c76a;--soft:#f7f8fb}
body{font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;letter-spacing:-.01em}
.top{position:sticky;top:0;z-index:20;background:rgba(7,20,38,.97);backdrop-filter:blur(12px);box-shadow:0 4px 20px #0002}
.brand{font-size:24px}.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 82% 20%,#29527d 0,#102d50 27%,#07162d 67%)}
.hero:after{content:"";position:absolute;width:520px;height:520px;border:1px solid #ffffff12;border-radius:50%;right:-130px;top:-180px;box-shadow:0 0 0 70px #ffffff08,0 0 0 140px #ffffff05}
.hero-inner{position:relative;z-index:2}.hero h1{font-weight:950;letter-spacing:-2px}.hero p{max-width:720px}
.card{border:1px solid #ffffff55;box-shadow:0 30px 80px #0006}.btn{transition:.2s;box-shadow:0 8px 25px #0002}.btn:hover{transform:translateY(-2px)}
.box{border:1px solid #e7ebf0;background:linear-gradient(180deg,#fff,#f7f9fb);box-shadow:0 8px 25px #07162d0b}
.premium-strip{background:#0b203c;color:#fff;padding:28px 6%}.premium-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.premium-stat{border-left:2px solid var(--gold);padding-left:15px}.premium-stat b{display:block;font-size:19px}.premium-stat span{font-size:13px;color:#c8d3df}
.region-hero{background:linear-gradient(135deg,#eef3f8,#fff);border:1px solid #e1e7ed;border-radius:18px;padding:30px;margin-bottom:28px}
.region-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.region-grid a{background:#fff;border:1px solid #e1e7ed;border-radius:10px;padding:14px;font-weight:800;color:#123354;box-shadow:0 5px 15px #07162d08}
.proof{display:grid;grid-template-columns:1fr 1fr;gap:20px}.proof>div{padding:28px;border-radius:18px}.proof .darkproof{background:#0a1d36;color:white}.proof .lightproof{background:#f1f4f8}
@media(max-width:900px){.premium-strip .wrap,.region-grid{grid-template-columns:repeat(2,1fr)}.proof{grid-template-columns:1fr}}
@media(max-width:550px){.premium-strip .wrap,.region-grid{grid-template-columns:1fr}.hero h1{font-size:35px}}