:root {
  --fy-ink: #0a0a0a;
  --fy-ink-soft: #1c1c1c;
  --fy-paper: #ffffff;
  --fy-gray: #f4f4f4;
  --fy-gray-2: #e4e4e4;
  --fy-border: #d8d8d8;
  --fy-muted: #6b6b6b;
  --fy-gold: #c9a227;
  --fy-gold-d: #a8871c;
  --fy-gold-t: #faf3dd;
  --fy-sans: 'Inter', system-ui, sans-serif;
  --radius: 10px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--fy-sans); color: var(--fy-ink); background: var(--fy-paper); line-height: 1.6; font-size: 17px; }
a { color: var(--fy-gold-d); text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }

.fy-adbar { background: var(--fy-ink); color: #cfcfcf; text-align: center; font-size: 11.5px; letter-spacing: .05em; padding: 7px 16px; text-transform: uppercase; }

.fy-top { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,.96); backdrop-filter: blur(6px); border-bottom: 1px solid var(--fy-border); }
.fy-top-inner { max-width: 1080px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; gap: 16px; }
.fy-logo { font-weight: 900; font-size: 1.3rem; color: var(--fy-ink); letter-spacing: -.02em; }
.fy-logo span { color: var(--fy-gold-d); }
.fy-nav { display: flex; gap: 20px; flex-wrap: wrap; }
.fy-nav a { color: var(--fy-muted); font-weight: 600; font-size: .92rem; }
.fy-nav a:hover { color: var(--fy-ink); }
.fy-btn-nav { display: inline-block; }

.fy-wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px 72px; }

.fy-hero { padding: 56px 0 36px; max-width: 760px; margin: 0 auto; }
.fy-kicker { display: inline-block; font-size: .72rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 800; color: var(--fy-gold-d); background: var(--fy-gold-t); padding: 6px 12px; border-radius: 20px; margin-bottom: 18px; }
.fy-hero h1 { font-size: clamp(1.9rem, 4.2vw, 3rem); font-weight: 900; line-height: 1.12; letter-spacing: -.01em; margin: 0 0 20px; }
.fy-lead { font-size: 1.12rem; margin: 0 0 14px; color: var(--fy-ink-soft); }
.fy-money-bridge { font-size: 1.05rem; font-weight: 600; margin: 0 0 26px; color: var(--fy-ink); border-left: 3px solid var(--fy-gold); padding-left: 16px; }

.fy-btn-solid, .fy-btn-ghost { display: inline-block; border: none; cursor: pointer; font-family: var(--fy-sans); font-weight: 700; font-size: .96rem; padding: 13px 24px; border-radius: var(--radius); text-decoration: none; }
.fy-btn-solid { background: var(--fy-ink); color: #fff; }
.fy-btn-solid:hover { background: var(--fy-gold-d); }
.fy-btn-ghost { background: transparent; color: var(--fy-ink); border: 1px solid var(--fy-border); }

.fy-section { margin: 52px 0; }
.fy-section h2 { font-size: 1.6rem; font-weight: 900; margin: 0 0 18px; scroll-margin-top: 88px; letter-spacing: -.01em; }
.fy-section > p.fy-intro { color: var(--fy-muted); max-width: 62ch; margin: 0 0 24px; }

.fy-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.fy-step { background: var(--fy-gray); border-radius: var(--radius); padding: 22px 18px; border: 1px solid var(--fy-border); }
.fy-step-num { font-size: 1.6rem; font-weight: 900; color: var(--fy-gold-d); margin-bottom: 8px; }
.fy-step h3 { font-size: 1rem; margin: 0 0 6px; }
.fy-step p { font-size: .9rem; color: var(--fy-muted); margin: 0; }

.fy-req-list { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.fy-req-list li { display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; background: var(--fy-gray); border-radius: var(--radius); font-size: .96rem; }
.fy-req-list li::before { content: "✓"; color: var(--fy-gold-d); font-weight: 900; flex-shrink: 0; }

.fy-pay-box { background: var(--fy-ink); color: #f2f2f2; border-radius: var(--radius); padding: 28px 26px; margin: 40px 0; }
.fy-pay-box h3 { color: var(--fy-gold); margin: 0 0 10px; font-size: 1.15rem; }
.fy-pay-box p { margin: 0 0 8px; color: #d6d6d6; font-size: .96rem; }
.fy-pay-box .fy-pay-num { font-size: 2rem; font-weight: 900; color: #fff; }
.fy-pay-box .fy-pay-src { font-size: .78rem; color: #999; margin-top: 12px; }

.fy-faq details { border-bottom: 1px solid var(--fy-border); padding: 16px 0; }
.fy-faq summary { cursor: pointer; font-weight: 700; font-size: 1rem; }
.fy-faq p { color: var(--fy-muted); margin: 10px 0 0; }

.fy-form-section { background: var(--fy-gray); border-radius: 16px; padding: 36px 30px; scroll-margin-top: 88px; }
.fy-form-section h2 { margin-top: 0; }
.fy-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fy-form-grid .fy-full { grid-column: 1 / -1; }
.fy-field { display: flex; flex-direction: column; gap: 6px; }
.fy-field label { font-size: .85rem; font-weight: 700; color: var(--fy-ink-soft); }
.fy-field input, .fy-field select { padding: 12px 14px; border: 1px solid var(--fy-border); border-radius: 8px; font-family: var(--fy-sans); font-size: .96rem; background: #fff; }
.fy-field input:focus, .fy-field select:focus { outline: none; border-color: var(--fy-gold-d); }
.fy-errmsg { color: #b3261e; font-size: .82rem; display: none; }
.fy-checkbox-row { display: flex; gap: 10px; align-items: flex-start; margin-top: 6px; }
.fy-checkbox-row input { margin-top: 3px; }
.fy-checkbox-row label { font-size: .85rem; color: var(--fy-muted); }
.fy-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.fy-banner { display: none; margin: 0 0 18px; padding: 12px 16px; border-radius: 8px; font-size: .92rem; }

.fy-foot { background: var(--fy-ink); color: #b8b8b8; padding: 48px 20px 26px; margin-top: 60px; }
.fy-foot-grid { max-width: 1080px; margin: 0 auto 26px; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; }
.fy-foot a { display: block; color: #9a9a9a; margin: 6px 0; font-size: .9rem; }
.fy-foot h5 { margin: 0 0 10px; color: var(--fy-gold); font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; }
.fy-logo-foot { color: #fff; }
.fy-foot-lead { font-size: .88rem; color: #8a8a8a; max-width: 34ch; }
.fy-foot-note, .fy-foot-copy { max-width: 1080px; margin: 8px auto 0; font-size: .76rem; color: #707070; }

.fy-cookie { position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 80; background: var(--fy-ink); color: #eee; padding: 18px 20px; display: flex; gap: 16px; align-items: center; justify-content: space-between; flex-wrap: wrap; border-radius: 12px; }
.fy-cookie[hidden] { display: none !important; }
.fy-cookie a { color: var(--fy-gold); }
.fy-cookie-actions { display: flex; gap: 10px; }
.fy-cookie .fy-btn-ghost { color: #eee; border-color: #444; }

.fy-modal { position: fixed; inset: 0; background: rgba(0,0,0,.65); z-index: 90; display: flex; align-items: center; justify-content: center; padding: 20px; }
.fy-modal[hidden] { display: none !important; }
.fy-modal-box { background: #fff; border-radius: 12px; padding: 30px; max-width: 460px; width: 100%; }
.fy-modal-row { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; margin-bottom: 16px; font-size: .88rem; }
.fy-modal-actions { display: flex; gap: 10px; margin-top: 10px; }

@media (max-width: 860px) {
  .fy-steps { grid-template-columns: 1fr 1fr; }
  .fy-form-grid { grid-template-columns: 1fr; }
  .fy-foot-grid { grid-template-columns: 1fr; }
  .fy-nav { display: none; }
}