* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: "Segoe UI", system-ui, sans-serif; background: #fffbeb; color: #422006; line-height: 1.72; }
a { color: #b45309; }
img { max-width: 100%; height: auto; display: block; border-radius: 12px; }

.tof-bar {
  background: linear-gradient(135deg, #78350f, #b45309);
  color: #fef3c7;
  position: sticky; top: 0; z-index: 50;
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 10px; padding: 14px 22px;
}
.tof-logo { font-weight: 800; font-size: 18px; }
.tof-nav { display: flex; flex-wrap: wrap; gap: 12px; font-size: 14px; }
.tof-nav a { color: #fde68a; text-decoration: none; font-weight: 600; }
.tof-nav a:hover { color: #fff; }
.tof-btn {
  display: inline-block; background: #fbbf24; color: #422006 !important;
  padding: 10px 18px; border-radius: 8px; font-weight: 800; text-decoration: none;
  border: none; cursor: pointer; font-size: 14px;
}

.tof-wrap { max-width: 920px; margin: 0 auto; padding: 28px 22px 64px; }
.tof-hero { margin-bottom: 28px; }
.tof-hero h1 { margin: 0 0 12px; font-size: clamp(26px, 4vw, 36px); color: #78350f; }
.tof-lead { color: #78716c; font-size: 18px; margin: 0 0 16px; }
.tof-hero-img { margin: 20px 0; border: 1px solid #fde68a; overflow: hidden; border-radius: 14px; }

.tof-card { background: #fff; border: 1px solid #fde68a; border-radius: 14px; padding: 24px; margin-bottom: 20px; }
.tof-card h2 { margin: 0 0 12px; font-size: 22px; color: #92400e; }

.tof-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin: 20px 0; text-align: center; }
.tof-metrics b { display: block; font-size: 26px; color: #b45309; }
.tof-metrics span { font-size: 13px; color: #78716c; }
@media (max-width: 600px) { .tof-metrics { grid-template-columns: 1fr; } }

.tof-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 14px; }
.tof-tab { padding: 8px 14px; border: 1px solid #fbbf24; background: #fff; border-radius: 999px; cursor: pointer; font-weight: 600; color: #92400e; }
.tof-tab.is-on { background: #b45309; color: #fff; border-color: #b45309; }
.tof-panel { display: none; }
.tof-panel.is-on { display: block; color: #57534e; }

.tof-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-top: 16px; }
@media (max-width: 640px) { .tof-grid { grid-template-columns: 1fr; } }
.tof-grid div { background: #fffbeb; padding: 14px; border-radius: 10px; border: 1px solid #fde68a; }

.tof-faq details { background: #fff; border: 1px solid #fde68a; border-radius: 10px; padding: 12px 16px; margin-bottom: 10px; }
.tof-faq summary { cursor: pointer; font-weight: 600; color: #78350f; }

.tof-contact { background: #fef3c7; border-radius: 12px; padding: 18px; }
.tof-foot { text-align: center; padding: 22px; font-size: 13px; color: #a8a29e; }

@media (prefers-reduced-motion: reduce) { *, *::before { transition: none !important; } html { scroll-behavior: auto; } }