:root {
  --black: #000;
  --white: #fff;
  --accent: #e4002b;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Helvetica Neue', 'Inter', Helvetica, Arial, sans-serif;
  background: var(--white);
  color: var(--black);
  -webkit-font-smoothing: antialiased;
  padding-bottom: 120px;
}
.wrap { max-width: 1240px; margin: 0 auto; padding: 0 32px; }
.rule { height: 1px; background: var(--black); }
.mt32 { margin-top: 32px; }
.mt40 { margin-top: 40px; }
.mt64 { margin-top: 64px; }
.mt80 { margin-top: 80px; }
.mt96 { margin-top: 96px; }
.mt120 { margin-top: 120px; }

.eyebrow {
  font-size: 11px; font-weight: 400; color: var(--black);
  letter-spacing: 0.18em; text-transform: uppercase;
}

/* TOPBAR */
.topbar { border-bottom: 1px solid var(--black); }
.topbar-inner {
  display: flex; align-items: baseline; justify-content: space-between;
  padding-top: 20px; padding-bottom: 20px;
}
.brand {
  font-size: 15px; font-weight: 900; letter-spacing: -0.02em; text-transform: uppercase;
}

/* HERO */
.hero-eyebrow { padding-top: 24px; padding-bottom: 8px; }
.hero-title {
  font-size: clamp(56px, 11vw, 176px);
  font-weight: 900; line-height: 0.92; letter-spacing: -0.045em;
  margin: 0; text-transform: uppercase;
}
.hero-grid {
  display: grid; gap: 40px;
  grid-template-columns: minmax(0, 2fr) minmax(0, 1fr);
  padding-top: 24px;
}
.hero-lede { font-size: 18px; line-height: 1.45; font-weight: 300; margin: 0; max-width: 720px; }
.hero-tags {
  font-size: 12px; font-weight: 400; letter-spacing: 0.06em;
  text-transform: uppercase; line-height: 1.7;
}

/* STATS */
.stats { display: grid; grid-template-columns: 1fr 1fr; }
.stat-left { padding: 24px 32px 24px 0; border-right: 1px solid var(--black); }
.stat-right { padding: 24px 0 24px 32px; }
.stat-value {
  font-size: clamp(80px, 14vw, 200px);
  font-weight: 900; line-height: 0.9; letter-spacing: -0.06em; margin-top: 12px;
}
.stat-sub { font-size: 0.35em; font-weight: 300; }
.stat-label {
  font-size: 13px; font-weight: 700; letter-spacing: 0.3em;
  margin-top: 8px; text-transform: uppercase;
}

/* TWO COL layouts */
.two-col { display: grid; gap: 40px; grid-template-columns: minmax(0,1fr) minmax(0,2fr); }

/* HIGHLIGHTS */
.hl-row {
  display: grid; grid-template-columns: 80px 1fr;
  padding: 20px 0; align-items: baseline;
}
.hl-num { font-size: 14px; font-weight: 700; letter-spacing: 0.1em; }
.hl-txt { font-size: 22px; font-weight: 500; letter-spacing: -0.015em; }

/* PAYMENTS */
.pay {
  font-size: clamp(28px, 3.5vw, 44px); font-weight: 500;
  letter-spacing: -0.02em; line-height: 1.15;
}

/* PROS / CONS */
.pc-row {
  display: grid; grid-template-columns: minmax(0,1fr) minmax(0,3fr);
  padding: 20px 0; align-items: baseline;
}
.pc-title {
  font-size: clamp(36px, 5vw, 64px); font-weight: 900;
  letter-spacing: -0.035em; margin: 0; text-transform: uppercase;
}
.pc-list { margin: 0; padding: 0; list-style: none; }
.pc-list li { font-size: 20px; font-weight: 400; line-height: 1.5; letter-spacing: -0.01em; }

/* STEPS */
.steps-title {
  font-size: clamp(40px, 6vw, 88px); font-weight: 900;
  letter-spacing: -0.04em; margin: 16px 0 40px;
  text-transform: uppercase; line-height: 0.95;
}
.step-row {
  display: grid; grid-template-columns: minmax(140px, 200px) minmax(0, 1fr);
  padding: 32px 0; align-items: baseline; gap: 32px;
}
.step-num {
  font-size: clamp(96px, 14vw, 180px); font-weight: 900;
  line-height: 0.85; letter-spacing: -0.06em;
}
.step-title { font-size: clamp(24px, 3vw, 40px); font-weight: 700; letter-spacing: -0.02em; margin: 0; }
.step-text { font-size: 17px; font-weight: 300; line-height: 1.5; margin: 12px 0 0; max-width: 640px; }

/* CTA */
.cta-wrap { margin-top: 56px; }
.cta {
  display: inline-block; background: var(--accent); color: var(--white);
  text-decoration: none; padding: 32px 88px;
  font-size: clamp(28px, 3.5vw, 44px); font-weight: 900;
  letter-spacing: 0.08em; text-transform: uppercase;
  border-radius: 0; border: none;
}

/* FOOTER */
.footer { margin-top: 120px; border-top: 1px solid var(--black); }
.footer-inner {
  padding-top: 24px; padding-bottom: 24px;
  font-size: 11px; font-weight: 400; letter-spacing: 0.06em; text-transform: uppercase;
}

@media (max-width: 780px) {
  .hero-grid, .two-col, .stats { grid-template-columns: 1fr; }
  .stat-left { border-right: none; border-bottom: 1px solid var(--black); padding: 24px 0; }
  .stat-right { padding: 24px 0; }
  .pc-row { grid-template-columns: 1fr; gap: 16px; }
  .step-row { grid-template-columns: 1fr; gap: 8px; }
  .cta { padding: 24px 40px; }
}