.hero-specialist {
  padding: 66px 0 42px;
}

.hero-specialist-box {
  background: radial-gradient(120% 120% at 0% 0%, #fff6e8 0%, #f2f9ff 48%, #ffffff 100%);
  border: 1px solid var(--sub);
  border-radius: 22px;
  padding: 34px;
  box-shadow: 0 10px 30px rgba(31,46,58,.08);
}

.hero-specialist h1 {
  font-size: clamp(30px, 5vw, 52px);
  line-height: 1.1;
  margin-bottom: 14px;
}

.hero-specialist p {
  color: var(--dim);
  font-size: 18px;
  max-width: 820px;
}

.hero-specialist-actions {
  margin-top: 22px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.benefits-section {
  padding: 18px 0 48px;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.benefit-card {
  background: #fff;
  border: 1.5px solid var(--sub);
  border-radius: 14px;
  padding: 20px;
}

.benefit-icon {
  font-size: 24px;
  margin-bottom: 10px;
}

.benefit-title {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 6px;
}

.benefit-text {
  color: var(--dim);
  font-size: 14px;
  line-height: 1.55;
}

.steps-section {
  padding: 10px 0 60px;
}

.steps-list {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.step-item {
  background: #fff;
  border: 1.5px solid var(--sub);
  border-radius: 12px;
  padding: 16px;
}

.step-num {
  width: 28px;
  height: 28px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--gd);
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 10px;
}

.step-title {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 6px;
}

.step-text {
  color: var(--dim);
  font-size: 13px;
}

.note-box {
  margin-top: 16px;
  background: linear-gradient(180deg, rgba(246,241,232,.96) 0%, rgba(244,248,251,.98) 100%);
  border: 1px solid rgba(126,111,81,.18);
  border-radius: 14px;
  padding: 16px;
  color: var(--mid);
  font-size: 14px;
}

@media (max-width: 980px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .steps-list { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .hero-specialist-box { padding: 22px; }
  .hero-specialist p { font-size: 15px; }
  .steps-list { grid-template-columns: 1fr; }
}

/* ── Income Calculator ── */
.income-section { padding: 10px 0 56px; }
.income-calc {
  background: #fff;
  border: 1.5px solid var(--sub);
  border-radius: 18px;
  padding: 30px 32px;
  box-shadow: 0 6px 24px rgba(31,46,58,.06);
}
.income-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-bottom: 28px; }
.income-input-group label { font-size: 14px; color: var(--dim); display: block; margin-bottom: 8px; }
.income-input-group .income-val { font-size: 22px; font-weight: 700; color: var(--dark); display: block; margin-bottom: 6px; }
input[type=range].income-slider { width: 100%; accent-color: var(--gold); height: 4px; }
.income-result { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.income-card { background: var(--gd); border-radius: 12px; padding: 16px 18px; text-align: center; }
.income-card-label { font-size: 12px; color: var(--dim); margin-bottom: 4px; }
.income-card-value { font-size: 26px; font-weight: 800; color: var(--dark); }
.income-card-sub { font-size: 12px; color: var(--mid); margin-top: 2px; }
.income-card.highlight { background: linear-gradient(135deg, #fffbe8, #f2f9ff); border: 1.5px solid rgba(181,148,62,.25); }
.income-note { margin-top: 14px; font-size: 13px; color: var(--dim); line-height: 1.5; }

/* ── FAQ ── */
.faq-section { padding: 10px 0 64px; }
.faq-list { display: flex; flex-direction: column; gap: 8px; margin-top: 18px; }
details.faq-item {
  background: #fff;
  border: 1.5px solid var(--sub);
  border-radius: 12px;
  overflow: hidden;
}
details.faq-item[open] { border-color: rgba(181,148,62,.35); }
details.faq-item summary {
  cursor: pointer;
  padding: 16px 20px;
  font-size: 16px;
  font-weight: 600;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  user-select: none;
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after { content: '+'; font-size: 22px; font-weight: 300; color: var(--gold); flex-shrink: 0; }
details.faq-item[open] summary::after { content: '\2212'; }
.faq-answer { padding: 0 20px 16px; color: var(--dim); font-size: 15px; line-height: 1.65; }

@media (max-width: 760px) {
  .income-inputs { grid-template-columns: 1fr; }
  .income-result { grid-template-columns: 1fr; }
  .income-calc { padding: 20px 16px; }
}