:root{
    --bg:#070708;
    --bg-2:#0D0F10;
    --card:#10141A;
    --card-2:#141A20;
    --ink:#F2F4F3;
    --ink-dim:#9AA5B4;
    --ink-faint:#5B6472;
    --teal:#0F9B8E;
    --teal-bright:#21C7B5;
    --orange:#FF8000;
    --orange-dim:#7A4413;
    --indigo:#6366F1;
    --gold-bright:#F0BC30;
    --sage-bright:#7FBF8F;
    --border:#1E2130;
    --border-soft:#1A1F26;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;background:var(--bg);color:var(--ink);
    font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
    -webkit-font-smoothing:antialiased;overflow-x:hidden;
  }
  h1,h2,h3{font-family:'Space Grotesk',-apple-system,sans-serif;letter-spacing:-0.02em;margin:0;}
  .wrap{max-width:1120px;margin:0 auto;padding:0 28px;}
  a{color:inherit;text-decoration:none;}

  /* NAV */
  .nav{position:sticky;top:0;z-index:40;background:rgba(7,7,8,0.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);}
  .nav-inner{max-width:1120px;margin:0 auto;padding:16px 28px;display:flex;align-items:center;justify-content:space-between;}
  .nav-logo{display:flex;align-items:center;}
  .nav-logo img{height:26px;width:auto;display:block;}
  .nav-cta{background:var(--orange);color:#0A0A0A;font-weight:600;font-size:14px;padding:10px 20px;border-radius:8px;}

  /* HERO — credit line is the hero */
  .hero{position:relative;padding:80px 0 60px;overflow:hidden;text-align:center;}
  .hero::before{
    content:"";position:absolute;inset:0;
    background:
      radial-gradient(ellipse 1000px 600px at 50% -15%, rgba(255,128,0,0.16), transparent 60%),
      radial-gradient(ellipse 700px 400px at 85% 60%, rgba(15,155,142,0.10), transparent 60%);
    pointer-events:none;
  }
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    font-size:13px;font-weight:600;color:var(--orange);
    text-transform:uppercase;letter-spacing:0.08em;
    border:1px solid rgba(255,128,0,0.3);
    background:rgba(255,128,0,0.08);
    padding:7px 16px;border-radius:100px;
    margin-bottom:26px;position:relative;z-index:1;
  }
  .eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--orange);box-shadow:0 0 8px var(--orange);}
  .hero h1{
    font-size:54px;line-height:1.08;font-weight:600;
    margin:0 auto 18px;max-width:880px;position:relative;z-index:1;
  }
  .hero h1 .accent{color:var(--orange);}
  .hero-sub{
    font-size:18px;line-height:1.6;color:var(--ink-dim);
    max-width:620px;margin:0 auto 14px;position:relative;z-index:1;
  }

  /* CREDIT LINE HERO CARD */
  .credit-hero{
    max-width:760px;margin:40px auto 0;position:relative;z-index:1;
    background:linear-gradient(160deg, var(--card) 0%, var(--bg-2) 100%);
    border:1px solid rgba(255,128,0,0.25);
    border-radius:22px;padding:40px 44px;
    box-shadow:0 20px 60px rgba(255,128,0,0.06);
  }
  .credit-range{
    display:flex;align-items:center;justify-content:center;gap:18px;margin-bottom:8px;
  }
  .credit-num{font-family:'Space Grotesk';font-size:52px;font-weight:700;color:var(--ink);line-height:1;}
  .credit-num.lo{color:var(--ink-dim);font-size:32px;}
  .credit-arrow{font-size:28px;color:var(--ink-faint);}
  .credit-tag{
    display:inline-block;font-size:14px;font-weight:600;color:var(--orange);
    background:rgba(255,128,0,0.1);border:1px solid rgba(255,128,0,0.2);
    padding:6px 16px;border-radius:100px;margin-bottom:18px;
  }
  .credit-desc{font-size:16px;color:var(--ink-dim);line-height:1.6;max-width:520px;margin:0 auto 28px;}
  .credit-cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}
  .btn-primary{
    background:var(--orange);color:#0A0A0A;font-weight:600;font-size:15.5px;
    padding:15px 30px;border-radius:9px;display:inline-flex;align-items:center;gap:8px;
    box-shadow:0 8px 24px rgba(255,128,0,0.25);transition:transform 0.15s ease;
  }
  .btn-primary:hover{transform:translateY(-1px);}
  .btn-ghost-row{color:var(--ink-dim);font-size:14.5px;font-weight:500;padding:15px 6px;border-bottom:1px solid var(--border);}
  .credit-fineprint{font-size:12.5px;color:var(--ink-faint);margin-top:20px;}

  /* SECTION */
  section{padding:80px 0;}
  .section-head{max-width:680px;margin:0 auto 48px;text-align:center;}
  .kicker{font-size:13px;font-weight:600;color:var(--teal-bright);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:14px;}
  .section-head h2{font-size:32px;font-weight:600;line-height:1.2;margin-bottom:14px;}
  .section-head p{font-size:16.5px;color:var(--ink-dim);line-height:1.6;}

  /* THREE-STEP MECHANISM */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  .step{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:28px 24px;}
  .step-num{font-family:'Space Grotesk';font-size:14px;font-weight:600;color:var(--orange);margin-bottom:16px;letter-spacing:0.04em;}
  .step h3{font-size:17px;font-weight:600;margin-bottom:9px;}
  .step p{font-size:14px;color:var(--ink-dim);line-height:1.55;margin:0;}

  /* SUB-SEGMENT SELECTOR */
  .segments{background:var(--bg-2);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
  .segment-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
  .segment-card{
    background:var(--card);border:1px solid var(--border);border-radius:18px;
    padding:32px 28px;display:flex;flex-direction:column;
    transition:border-color 0.2s ease, transform 0.2s ease;
  }
  .segment-card:hover{transform:translateY(-3px);}
  .seg-boutique:hover{border-color:rgba(127,191,143,0.4);}
  .seg-resort:hover{border-color:rgba(33,199,181,0.4);}
  .seg-allinclusive:hover{border-color:rgba(240,188,48,0.4);}
  .segment-icon{font-size:32px;margin-bottom:18px;}
  .segment-card h3{font-size:20px;font-weight:600;margin-bottom:10px;}
  .segment-card p{font-size:14.5px;color:var(--ink-dim);line-height:1.55;margin:0 0 24px;flex-grow:1;}
  .segment-link{
    font-size:14px;font-weight:600;display:inline-flex;align-items:center;gap:6px;
    padding-top:16px;border-top:1px solid var(--border-soft);
  }
  .seg-boutique .segment-link{color:var(--sage-bright);}
  .seg-resort .segment-link{color:var(--teal-bright);}
  .seg-allinclusive .segment-link{color:var(--gold-bright);}

  /* WHY TRADE CREDIT BAND */
  .why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border);border-radius:14px;overflow:hidden;}
  .why-cell{background:var(--card);padding:30px 26px;}
  .why-num{font-family:'Space Grotesk';font-size:34px;font-weight:600;color:var(--orange);margin-bottom:10px;line-height:1;}
  .why-cap{font-size:14px;color:var(--ink-dim);line-height:1.5;}

  /* FINAL CTA */
  .final-cta{text-align:center;padding:96px 0;background:radial-gradient(ellipse 800px 400px at 50% 0%, rgba(255,128,0,0.12), transparent 70%);border-top:1px solid var(--border);}
  .final-cta h2{font-size:36px;font-weight:600;margin-bottom:16px;max-width:640px;margin-left:auto;margin-right:auto;line-height:1.22;}
  .final-cta p{font-size:17px;color:var(--ink-dim);margin-bottom:36px;}

  footer{padding:36px 0;border-top:1px solid var(--border);}
  .foot-row{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:12px;}
  .foot-row p{font-size:13px;color:var(--ink-faint);margin:0;}
  .foot-left{display:flex;flex-direction:column;align-items:flex-start;gap:3px;}
  .foot-copyright{font-weight:500;}
  .foot-tagline{font-size:12px;color:var(--ink-faint);}

  @media(max-width:880px){
    .hero h1{font-size:36px;}
    .credit-hero{padding:30px 24px;}
    .credit-num{font-size:38px;}
    .credit-num.lo{font-size:24px;}
    .steps{grid-template-columns:1fr;}
    .segment-grid{grid-template-columns:1fr;}
    .why-grid{grid-template-columns:1fr;}
  }