:root{--red:#981b2f;--red2:#6e0e1e;--ink:#121722;--muted:#657080;--soft:#f5f6f8;--line:#e5e8ed;--white:#fff;--green:#146c43;--shadow:0 24px 60px rgba(14,20,31,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Manrope,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}.container{width:min(1160px,calc(100% - 40px));margin:auto}.narrow{max-width:820px}.center{text-align:center}.top-alert{background:#22050b;color:#fff;text-align:center;padding:9px 16px;font-size:13px;font-weight:700;letter-spacing:.02em}.top-alert i{color:#ffbd54;margin-right:8px}.site-header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;backdrop-filter:blur(14px)}.nav{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;color:var(--ink)}.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(145deg,var(--red),var(--red2));color:#fff;display:grid;place-items:center;box-shadow:0 10px 22px rgba(152,27,47,.25)}.brand strong{display:block;font-size:18px;letter-spacing:-.04em}.brand small{display:block;color:var(--muted);font-size:11px}.nav-phone{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800}.nav-phone i{color:var(--red);font-size:19px}.nav-phone small{display:block;font-weight:600;color:var(--muted);font-size:10px;text-transform:uppercase;letter-spacing:.08em}.hero{padding:78px 0 64px;background:radial-gradient(circle at 80% 20%,rgba(152,27,47,.12),transparent 30%),linear-gradient(180deg,#fff,#faf7f8)}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:62px;align-items:center}.eyebrow,.section-kicker{font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--red)}.eyebrow i{margin-right:7px}.hero h1{font-size:clamp(42px,5vw,68px);line-height:1.04;letter-spacing:-.055em;margin:16px 0 22px}.hero h1 span{color:var(--red)}.lead{font-size:18px;color:#4f5968;max-width:720px}.hero-points{margin-top:30px;display:grid;gap:13px}.hero-points>div{display:flex;gap:14px;align-items:flex-start}.hero-points i{width:38px;height:38px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--red)}.hero-points b,.hero-points small{display:block}.hero-points small{color:var(--muted)}.lead-card{background:#fff;border:1px solid rgba(152,27,47,.15);border-radius:25px;padding:30px;box-shadow:var(--shadow);position:relative}.lead-card:before{content:"";position:absolute;inset:0 0 auto 0;height:5px;border-radius:25px 25px 0 0;background:linear-gradient(90deg,var(--red),#d64b62)}.card-badge{display:inline-flex;align-items:center;gap:7px;background:#eef8f3;color:var(--green);border-radius:999px;padding:7px 11px;font-size:11px;font-weight:800}.lead-card h2{font-size:28px;line-height:1.18;letter-spacing:-.035em;margin:18px 0 8px}.lead-card>p{color:var(--muted);margin-top:0}.lead-form{display:grid;gap:13px}.lead-form label{font-size:12px;font-weight:800;color:#394150}.lead-form label span{font-weight:500;color:var(--muted)}.lead-form input[type=text],.lead-form input[type=tel]{width:100%;height:52px;border:1px solid #d9dee6;border-radius:12px;padding:0 14px;font:600 14px Manrope;margin-top:6px;outline:none;transition:.2s}.lead-form input:focus{border-color:var(--red);box-shadow:0 0 0 4px rgba(152,27,47,.09)}.consent{display:flex!important;align-items:flex-start;gap:9px;line-height:1.4}.consent input{margin-top:3px;accent-color:var(--red)}.lead-form button,.primary-cta{border:0;background:linear-gradient(135deg,var(--red),var(--red2));color:#fff;height:56px;border-radius:13px;font:800 13px Manrope;letter-spacing:.04em;display:flex;align-items:center;justify-content:center;gap:12px;text-decoration:none;cursor:pointer;box-shadow:0 14px 28px rgba(152,27,47,.24);transition:.2s}.lead-form button:hover,.primary-cta:hover{transform:translateY(-2px);box-shadow:0 18px 34px rgba(152,27,47,.3)}.trust-line{margin-top:15px;padding-top:15px;border-top:1px solid var(--line);color:var(--muted);font-size:11px;text-align:center}.trust-line i{color:var(--green);margin-right:6px}.form-status{font-size:13px;font-weight:700}.form-status.success{color:var(--green)}.form-status.error{color:var(--red)}.hp{position:absolute!important;left:-9999px!important}.warning-strip{background:#fff1f2;border-top:1px solid #f5cbd1;border-bottom:1px solid #f5cbd1}.warning-inner{padding:19px 0;display:grid;grid-template-columns:auto 1fr auto;gap:16px;align-items:center;color:#50101b;font-size:14px}.warning-inner>i{font-size:24px;color:var(--red)}.warning-inner a{color:var(--red);font-weight:800}.section{padding:92px 0}.dark-section{background:#111722;color:#fff}.dark-section h2{font-size:clamp(34px,4vw,52px);line-height:1.13;letter-spacing:-.045em;margin:16px 0}.dark-section p{color:#b9c1cd;font-size:18px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:34px}.section-heading h2,.mistake-grid h2,.process-section h2,.final-cta h2{font-size:clamp(34px,4vw,50px);line-height:1.12;letter-spacing:-.045em;margin:10px 0}.text-link{color:var(--red);font-weight:800;text-decoration:none;white-space:nowrap}.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.risk-grid article{border:1px solid var(--line);border-radius:18px;padding:25px;background:#fff;transition:.2s}.risk-grid article:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(20,26,36,.08);border-color:#d6a2aa}.risk-grid i{font-size:24px;color:var(--red);margin-bottom:15px}.risk-grid h3{font-size:17px;margin:0 0 8px}.risk-grid p{color:var(--muted);font-size:14px;margin:0}.mistake-section{background:var(--soft)}.mistake-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center}.mistake-list{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:13px}.mistake-list li{background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:12px;display:flex;gap:12px;align-items:flex-start;font-weight:600}.mistake-list i{color:var(--red);margin-top:5px}.quote-box{background:#151c28;color:#fff;border-radius:26px;padding:38px;box-shadow:var(--shadow)}.quote-box>i{font-size:34px;color:#d64b62}.quote-box blockquote{font-size:29px;line-height:1.35;letter-spacing:-.03em;font-weight:700;margin:18px 0 28px}.primary-cta{padding:0 18px}.process-section{background:#fff}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}.process-grid>div{position:relative;border:1px solid var(--line);border-radius:20px;padding:29px}.process-grid span{position:absolute;right:20px;top:14px;color:#e5e8ed;font-weight:800;font-size:34px}.process-grid i{font-size:25px;color:var(--red);margin-bottom:24px}.process-grid h3{margin:0 0 8px}.process-grid p{color:var(--muted);margin:0}.final-cta{padding:78px 0;background:linear-gradient(135deg,#6c0d1c,#a91e36);color:#fff}.final-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}.final-cta p{color:#f2cbd1;font-size:17px}.section-kicker.light{color:#ffbdc8}.compact{background:#fff;color:var(--ink);padding:24px;border-radius:20px}.compact button{margin-top:2px}footer{background:#0c1119;color:#fff;padding:44px 0 22px}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer-grid p{color:#9da7b5;max-width:560px}.footer-grid>div:last-child{display:grid;align-content:center;gap:8px}.footer-grid a{color:#fff;text-decoration:none;font-weight:700}.footer-grid i{color:#d64b62;width:22px}.legal{border-top:1px solid #232a35;margin-top:28px;padding-top:18px;color:#788493;font-size:11px}.floating-call{position:fixed;right:18px;bottom:18px;background:#167c4d;color:#fff;text-decoration:none;height:52px;padding:0 18px;border-radius:999px;display:flex;gap:9px;align-items:center;font-weight:800;box-shadow:0 15px 30px rgba(0,0,0,.22);z-index:30}
@media(max-width:900px){.hero-grid,.mistake-grid,.final-grid{grid-template-columns:1fr}.hero{padding-top:52px}.risk-grid,.process-grid{grid-template-columns:1fr 1fr}.section-heading{align-items:flex-start;flex-direction:column}.lead-card{max-width:620px}.final-grid{gap:28px}}
@media(max-width:640px){.container{width:min(100% - 28px,1160px)}.top-alert{font-size:11px}.nav{height:68px}.brand strong{font-size:15px}.brand small{display:none}.nav-phone span{display:none}.hero h1{font-size:40px}.lead{font-size:16px}.lead-card{padding:22px;border-radius:19px}.risk-grid,.process-grid{grid-template-columns:1fr}.section{padding:68px 0}.warning-inner{grid-template-columns:auto 1fr}.warning-inner a{grid-column:2}.footer-grid{display:grid}.floating-call span{display:none}.floating-call{width:52px;padding:0;justify-content:center}.quote-box{padding:26px}.quote-box blockquote{font-size:24px}}

.logo-brand img{width:210px;height:auto;display:block}.main-nav{display:flex;align-items:center;gap:22px}.main-nav>a,.nav-drop>button{font:700 13px Manrope;color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer}.nav-drop{position:relative}.nav-menu{position:absolute;top:30px;left:-20px;width:290px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:10px;box-shadow:var(--shadow);display:none;z-index:50}.nav-drop:hover .nav-menu,.nav-drop:focus-within .nav-menu{display:grid}.nav-menu a{padding:11px 12px;border-radius:10px;color:var(--ink);text-decoration:none;font-size:13px;font-weight:700}.nav-menu a:hover{background:var(--soft);color:var(--red)}.menu-toggle{display:none;border:0;background:none;font-size:22px}.inner-hero{padding:78px 0;background:radial-gradient(circle at 85% 10%,#f7dfe3 0,transparent 30%),linear-gradient(180deg,#fff,#f8f9fb)}.inner-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}.inner-hero h1{font-size:clamp(42px,5vw,68px);line-height:1.03;letter-spacing:-.055em;margin:18px 0}.inline-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.inline-actions .primary-cta,.ghost-cta{height:54px;padding:0 20px;border-radius:13px}.ghost-cta{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--ink);font-weight:800;border:1px solid var(--line);background:#fff}.mini-warning{background:#171e2a;color:#fff;padding:34px;border-radius:24px;box-shadow:var(--shadow)}.mini-warning>i{font-size:34px;color:#ff6b7f}.mini-warning h2{font-size:28px;line-height:1.15;margin:18px 0 10px}.mini-warning p{color:#bcc5d1}.analogy-band{padding:70px 0;background:#111722;color:#fff}.analogy-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.analogy-grid>div{padding:28px;border:1px solid #2c3441;border-radius:20px}.analogy-grid i{font-size:28px;color:#e65a70}.analogy-grid h3{font-size:23px;line-height:1.25}.analogy-grid p{color:#b9c1cd}.red-flags{background:var(--soft)}.flag-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:34px}.flag-grid>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;font-weight:700}.flag-grid i{color:var(--red);margin-right:10px}.topic-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.topic-grid>a{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:16px;padding:22px;border:1px solid var(--line);border-radius:18px;text-decoration:none;color:var(--ink);transition:.2s}.topic-grid>a:hover{transform:translateY(-3px);box-shadow:0 15px 32px rgba(20,26,36,.08);border-color:#d6a2aa}.topic-grid>a>i:first-child{font-size:25px;color:var(--red);width:34px}.topic-grid strong{display:block;font-size:17px}.topic-grid small{display:block;color:var(--muted);margin-top:5px;line-height:1.5}.footer-logo{width:210px;filter:brightness(0) invert(1);opacity:.9;margin-bottom:12px}
@media(max-width:1050px){.main-nav{display:none}.menu-toggle{display:block}.nav-phone{margin-left:auto}.inner-grid{grid-template-columns:1fr}.topic-grid{grid-template-columns:1fr}}@media(max-width:640px){.logo-brand img{width:165px}.analogy-grid,.flag-grid{grid-template-columns:1fr}.inner-hero{padding:55px 0}.inner-hero h1{font-size:42px}.nav-phone{display:none}}.main-nav>a{position:relative}.main-nav>a:hover,.nav-drop>button:hover{color:var(--red)}
@media(max-width:1050px){.main-nav.mobile-open{display:flex;position:absolute;left:20px;right:20px;top:72px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:4px}.main-nav.mobile-open>a,.main-nav.mobile-open .nav-drop>button{display:flex;width:100%;padding:12px;text-align:left;justify-content:space-between}.main-nav.mobile-open .nav-menu{position:static;width:100%;box-shadow:none;border:0;background:var(--soft);margin-top:4px}.main-nav.mobile-open .nav-drop.open .nav-menu{display:grid}.main-nav.mobile-open .nav-drop:not(.open) .nav-menu{display:none}}

.footer-contact{display:flex;flex-direction:column;gap:.55rem}.footer-contact a,.footer-contact span{display:flex;align-items:flex-start;gap:.6rem;color:inherit;text-decoration:none;line-height:1.45}.footer-contact i{width:18px;margin-top:.15rem}.contact-grid a{color:inherit;font-weight:700;text-decoration:none}.contact-grid a:hover{text-decoration:underline}

.danger-section{padding:34px 0;background:#fff4f4}.danger-panel{display:grid;grid-template-columns:90px 1fr;gap:24px;background:#fff;border:1px solid #efb7b7;border-left:7px solid #b4232f;border-radius:22px;padding:32px;box-shadow:0 18px 50px rgba(113,20,29,.12)}.danger-icon{width:72px;height:72px;border-radius:18px;background:#b4232f;color:#fff;display:grid;place-items:center;font-size:30px}.danger-panel h2{font-size:clamp(28px,4vw,46px);margin:8px 0 12px;color:#65121c}.risk-chips{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0}.risk-chips span{background:#fff0f0;border:1px solid #efc2c2;color:#7b1824;border-radius:999px;padding:10px 14px;font-weight:800}@media(max-width:700px){.danger-panel{grid-template-columns:1fr;padding:24px}.danger-icon{width:58px;height:58px}}

.page-hero{padding:74px 0 58px;background:linear-gradient(135deg,#3b0c13,#8f1727);color:#fff}.page-hero h1{font-size:clamp(34px,5vw,60px);line-height:1.08;margin:14px 0}.page-hero p{font-size:19px;max-width:820px;opacity:.92}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:34px;align-items:start}.article-card{background:#fff;border:1px solid #eadfe1;border-radius:22px;padding:36px}.content-block{padding:4px 0 26px;border-bottom:1px solid #eee}.content-block:last-child{border-bottom:0}.content-block h2{font-size:30px;color:#4f1018;margin:18px 0 10px}.content-block p{font-size:17px;line-height:1.8;color:#3b3335}.warning-box{background:#fff4f4;border:1px solid #efb8b8!important;border-left:6px solid #b4232f!important;border-radius:16px;padding:22px!important;margin:24px 0}.related-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}.related-links h2{width:100%;font-size:24px}.related-links a{padding:9px 13px;border:1px solid #dacacc;border-radius:999px;color:#7a1724;font-weight:800}.sticky{position:sticky;top:105px}@media(max-width:960px){.content-layout{grid-template-columns:1fr}.sticky{position:static}.article-card{padding:24px}}

.faq-list{display:grid;gap:12px;margin-top:16px}.faq-list details{border:1px solid #e5e7eb;border-radius:14px;padding:14px 16px;background:#fff}.faq-list summary{font-weight:800;cursor:pointer;color:#18202b}.faq-list details p{margin:10px 0 0;color:#4b5563;line-height:1.7}