.hero--onboarding {
  position: relative;
  overflow: hidden;
  padding-top: 110px;
  padding-bottom: 70px;
}

.hero--onboarding::before {
  content: "";
  position: absolute;
  inset: -140px -120px auto -120px;
  height: 520px;
  background: radial-gradient(circle at 45% 20%, rgba(201,162,77,0.20) 0%, rgba(201,162,77,0.06) 38%, rgba(0,0,0,0) 70%);
  pointer-events: none;
}

.hero-kicker {
  display: inline-block;
  border: 1px solid var(--border-subtle);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 12px;
  color: var(--text-muted);
  margin-bottom: 14px;
  background: rgba(255,255,255,0.02);
}

.section-tight { padding-top: 54px; }

.section-band {
  background: rgba(255,255,255,0.02);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.section-title { margin-bottom: 14px; }
.section-desc { margin-bottom: 44px; }

.cards-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }

@media (max-width: 980px) {
  .cards-2, .cards-3 { grid-template-columns: 1fr; }
}

.card--lift {
  border-radius: 14px;
  padding: 30px;
  background: linear-gradient(180deg, rgba(255,255,255,0.03) 0%, rgba(255,255,255,0.02) 100%);
  box-shadow: 0 14px 50px rgba(0,0,0,0.35);
}

.card--flat {
  border-radius: 14px;
  padding: 26px;
  background: rgba(255,255,255,0.02);
}

.stepno {
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.10em;
  margin-bottom: 8px;
}

.accent {
  color: var(--gold);
}

.cta-panel {
  margin-top: 28px;
  border: 1px solid rgba(201,162,77,0.25);
  background: linear-gradient(180deg, rgba(201,162,77,0.10) 0%, rgba(255,255,255,0.02) 100%);
  border-radius: 16px;
  padding: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.cta-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 4px;
}

.cta-sub {
  font-size: 13px;
  color: var(--text-muted);
}

.cta-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}