:root{--navy:#0f1a2e;--navy2:#1b2a45;--gold:#c9a45c;--gold2:#b48d45;--sand:#dcd0cb;--ink:#1f2633;--mut:#5b6474;--soft:#f4f5f7;--line:#e3e6eb;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.65 'DM Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy2)}
h1,h2,h3{font-family:'Playfair Display',Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 .6em;font-weight:600}
h1{font-size:clamp(2rem,4.6vw,3.3rem)}
h1 strong{color:var(--gold2);font-weight:700}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
/* header */
.top{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}
.brand{color:#fff;text-decoration:none;font-family:'Playfair Display',Georgia,serif;font-weight:700;letter-spacing:.06em;font-size:1.15rem;white-space:nowrap}
.brand span{font-family:'DM Sans',sans-serif;font-weight:400;letter-spacing:0;color:var(--sand);font-size:.9rem}
.top nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.top nav a{white-space:nowrap;color:#e8ebf0;text-decoration:none;font-size:.95rem;padding:8px 12px;border-radius:8px;display:block}
.top nav a:hover,.top nav a.on{color:#fff;background:rgba(255,255,255,.1)}
.navck,.burger{display:none}
/* buttons */
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.4em}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:999px;border:2px solid var(--navy);text-align:center;font-size:1rem;cursor:pointer;font-family:inherit;transition:.2s}
.btn:hover{background:var(--navy2);border-color:var(--navy2)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.gold:hover{background:#d8b56c}
.btn.line{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.line:hover{background:rgba(255,255,255,.1)}
.btn.line.dark{color:var(--navy);border-color:var(--navy)}
.btn.line.dark:hover{background:var(--soft)}
.btn.full{display:block;width:100%;margin-top:10px}
/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%);padding:64px 0 72px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.two.top{align-items:start}
.himg{border-radius:24px;box-shadow:0 20px 50px rgba(15,26,46,.18);aspect-ratio:1/1;object-fit:cover;width:100%}
.kick{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--gold2);margin-bottom:.8em}
.lead{font-size:1.15rem;color:var(--mut);max-width:640px}
.intro{color:var(--mut);max-width:720px;margin-bottom:2em}
.phero{background:var(--soft);padding:44px 0 52px;border-bottom:1px solid var(--line)}
.crumbs{font-size:.85rem;color:var(--mut)}
.crumbs a{color:var(--mut)}
/* sections */
.sec{padding:76px 0}
.sec.soft{background:var(--soft)}
.sec.white{background:#fff}
.center{align-items:center}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(15,26,46,.1);border-color:#cfd5de}
.card p{color:var(--mut);font-size:.97rem;flex:1}
.icw{width:52px;height:52px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:16px}
.ic{width:26px;height:26px}
.more{font-weight:700;color:var(--navy2);font-size:.95rem}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.checks svg{width:22px;height:22px;flex:none;color:#fff;background:var(--gold2);border-radius:50%;padding:4px;margin-top:2px}
.stats{display:grid;gap:16px}
.stats div{background:#fff;border-radius:var(--r);padding:22px 26px;border:1px solid var(--line);display:flex;align-items:center;gap:20px}
.stats b{font-family:'Playfair Display',Georgia,serif;font-size:2.4rem;color:var(--navy);min-width:100px}
.stats span{color:var(--mut)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps>div{background:var(--soft);border-radius:var(--r);padding:28px}
.steps b{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:1.2rem;margin-bottom:14px}
.steps p{color:var(--mut);margin:0}
.faq details{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;padding:18px 48px 18px 22px;font-weight:700;list-style:none;position:relative;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';position:absolute;right:22px;top:14px;font-size:1.5rem;color:var(--gold2)}
.faq details[open] summary::after{content:'–'}
.faq details p{padding:0 22px 18px;margin:0;color:var(--mut)}
.prose h2{font-size:1.6rem;margin-top:1.4em}
.prose h2:first-child{margin-top:0}
.box{background:var(--soft);border-radius:var(--r);padding:28px;border:1px solid var(--line);position:sticky;top:96px}
.fh{font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.08em;font-size:.82rem;margin-bottom:1em}
/* form */
.form label{display:block;font-weight:700;font-size:.92rem;color:var(--navy);margin-bottom:16px}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1px solid #cfd5de;border-radius:10px;font:inherit;font-weight:400;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0}
.small{font-size:.85rem;color:var(--mut)}
.big{font-size:1.6rem;font-weight:700;text-decoration:none;color:var(--navy)}
/* cta + footer */
.cta{background:var(--navy);color:#e8ebf0;padding:72px 0;text-align:center}
.cta h2{color:#fff}
.cta p{max-width:640px;margin:0 auto;color:var(--sand)}
.cta .btns{justify-content:center}
.foot{background:#0a1322;color:#b8c0cc;padding:56px 0 24px;font-size:.93rem}
.foot a{color:#dfe4ea;text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin-bottom:6px}
.cols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
.fbrand{font-family:'Playfair Display',Georgia,serif;color:#fff;font-size:1.3rem;margin-bottom:.5em}
.foot .fh{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;font-size:.8rem;color:#8a94a3;line-height:1.6}
.mbar{display:none}
/* responsive */
@media (max-width:1240px){.brand span{display:none}}
@media (max-width:1080px){
 .grid{grid-template-columns:repeat(2,1fr)}
 .top nav{position:absolute;left:0;right:0;top:100%;background:var(--navy);max-height:0;overflow:hidden;transition:max-height .3s}
 .top nav ul{flex-direction:column;padding:8px 20px 20px}
 .top nav a{padding:12px 8px;font-size:1.05rem;border-bottom:1px solid rgba(255,255,255,.08);border-radius:0}
 .burger{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:10px}
 .burger span{width:26px;height:2px;background:#fff;display:block;transition:.2s}
 .navck:checked~nav{max-height:520px}
 .navck:checked+.burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
 .navck:checked+.burger span:nth-child(2){opacity:0}
 .navck:checked+.burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}
@media (max-width:760px){
 body{font-size:16px;padding-bottom:64px}
 .bar{min-height:62px}
 .brand{font-size:1rem}
 .brand span{display:none}
 .two,.cols{grid-template-columns:1fr;gap:32px}
 .grid,.steps{grid-template-columns:1fr}
 .hero{padding:36px 0 48px}
 .hero .himg{max-height:260px;aspect-ratio:auto;order:2}
 .hero .two>div{order:1}
 .sec{padding:52px 0}
 .phero{padding:28px 0 36px}
 .btns .btn{flex:1 1 100%}
 .box{position:static}
 .stats b{font-size:2rem;min-width:80px}
 .mbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--gold);color:var(--navy);text-align:center;font-weight:700;padding:16px;text-decoration:none;font-size:1.05rem;box-shadow:0 -4px 14px rgba(0,0,0,.15)}
}