*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: #0a0a0a;
  color: #f0f0f0;
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  padding: 4rem 2rem;
}

.hero {
  text-align: center;
}

.brand {
  font-size: clamp(4rem, 15vw, 10rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: #ffffff;
  line-height: 1;
}

.payoff {
  margin-top: 0.75rem;
  font-size: clamp(0.85rem, 2.5vw, 1.1rem);
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: #aaaaaa;
  font-weight: 400;
}

.divider {
  width: 40px;
  height: 1px;
  background: #444;
  margin: 3rem auto;
}

.columns {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  width: 100%;
  max-width: 860px;
  text-align: center;
  margin-bottom: 3rem;
}

.col h3 {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #ffffff;
  margin-bottom: 0.6rem;
}

.col p {
  font-size: 0.9rem;
  color: #aaaaaa;
  line-height: 1.7;
}

.divider-bottom {
  width: 40px;
  height: 1px;
  background: #444;
  margin: 0 auto 3rem;
}

.legal {
  font-size: 0.8rem;
  color: #aaaaaa;
  text-align: center;
  line-height: 1.9;
  letter-spacing: 0.02em;
}

.legal strong {
  color: #cccccc;
  font-weight: 500;
}