:root{--navy:#0A0F1E;--ink:#1B2233;--muted:#5B6474;--line:#E3E6EC;--paper:#FFFFFF;--soft:#F5F6F8;--gold:#C9A84C;--gold-ink:#8A6D1F}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--paper);padding:env(safe-area-inset-top,0) 0 env(safe-area-inset-bottom,0)}
a{color:var(--navy)}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9}
.top{position:sticky;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);z-index:5;backdrop-filter:blur(6px)}
.bar{display:flex;align-items:center;gap:20px;min-height:68px}.brand img{display:block;height:36px;width:auto}
nav{margin-left:auto;display:flex;align-items:center;gap:22px}nav a{text-decoration:none;color:var(--muted);font-weight:500;font-size:15px}nav a[aria-current=page],nav a:hover{color:var(--navy)}
nav a.cta{background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px}nav a.cta:hover{background:#1a2440;color:#fff}
.menu{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;font-size:15px}
.hero{background:var(--navy);color:#fff;padding:96px 0 88px}.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.08;letter-spacing:-.02em;margin:10px 0 18px;max-width:18ch}
.kicker{color:var(--gold);font-weight:600;margin:0}.lede{font-size:clamp(18px,1.6vw,21px);max-width:62ch;color:inherit;opacity:.92;margin:0 0 26px}
.row{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;border:0;border-radius:8px;padding:14px 22px;font-size:16px;cursor:pointer}.btn:hover{background:#d8b95e}
.btn.ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.55)}.btn.ghost:hover{box-shadow:inset 0 0 0 1.5px #fff}
.head{background:var(--soft);border-bottom:1px solid var(--line);padding:64px 0 44px}.head h1{font-size:clamp(30px,4vw,44px);letter-spacing:-.02em;margin:0 0 12px;color:var(--navy)}.head .lede{color:var(--muted);opacity:1}
.sec{padding:64px 22px}.sec h2{font-size:clamp(24px,2.6vw,32px);letter-spacing:-.01em;color:var(--navy);margin:0 0 10px}.sub{color:var(--muted);margin:0 0 28px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.card{display:block;border:1px solid var(--line);border-radius:12px;padding:22px;text-decoration:none;color:var(--ink);background:#fff}
a.card:hover{border-color:var(--gold)}.card h3{margin:0 0 8px;font-size:18px;color:var(--navy)}.card p{margin:0 0 10px;color:var(--muted);font-size:15.5px}.more{font-weight:600;color:var(--gold-ink);font-size:15px}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:start}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:14px}.steps li{border-left:3px solid var(--gold);padding:4px 0 4px 16px}.steps strong{display:block;color:var(--navy);font-size:18px}.steps span{color:var(--muted)}
.steps.big li{padding:10px 0 10px 18px}.link{font-weight:600;color:var(--gold-ink)}
.svc{border-top:1px solid var(--line);padding:30px 0;scroll-margin-top:90px}.svc:first-child{border-top:0;padding-top:0}.svc p{max-width:70ch;color:var(--ink)}.svc ul{margin:0;padding-left:20px;color:var(--muted)}
.band{background:var(--navy);color:#fff}.band-in{display:flex;gap:28px;align-items:center;justify-content:space-between;padding:52px 22px;flex-wrap:wrap}.band h2{margin:0 0 6px;font-size:26px}.band p{margin:0;opacity:.85;max-width:60ch}
.prose{max-width:780px}.prose h2{font-size:22px;margin:30px 0 8px}.prose p,.prose li{color:var(--ink)}.small{font-size:14px;color:var(--muted)}
.facts{margin:0}.facts div{display:grid;grid-template-columns:180px 1fr;gap:12px;padding:10px 0;border-top:1px solid var(--line)}.facts dt{font-weight:600;color:var(--navy)}.facts dd{margin:0}
.form{display:grid;gap:14px;max-width:560px}.form label{display:grid;gap:6px;font-weight:600;font-size:15px;color:var(--navy)}.opt{font-weight:400;color:var(--muted)}
.form input,.form select,.form textarea{font:inherit;font-weight:400;border:1px solid #CDD2DA;border-radius:8px;padding:11px 12px;color:var(--ink);background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.25)}
.form .check{display:flex;gap:10px;font-weight:400;color:var(--ink)}.form .check input{margin-top:5px}.status{min-height:1.4em;margin:0}.status.ok{color:#17703E}.status.err{color:#B3261E}
.info{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:24px}.info h2{font-size:20px;margin:0 0 8px}.info h3{font-size:16px;margin:18px 0 4px;color:var(--navy)}
.foot{background:#070B16;color:#C9CED8;padding:52px 0 30px;font-size:15px}.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}.foot h2{font-size:15px;color:#fff;margin:4px 0 10px}
.foot a{display:block;color:#C9CED8;text-decoration:none;margin:0 0 7px}.foot a:hover{color:#fff}.foot img{height:34px;width:auto;margin-bottom:10px}.foot .legal{border-top:1px solid #1c2336;margin-top:30px;padding-top:18px;font-size:13.5px;color:#8C93A3}
@media (max-width:900px){.cards{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.menu{display:block}nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 22px 18px;gap:6px}nav.open{display:flex}nav a{padding:8px 0}nav a.cta{text-align:center}
.cards{grid-template-columns:1fr}.hero{padding:64px 0 60px}.facts div{grid-template-columns:1fr;gap:2px}}
@media (prefers-reduced-motion:no-preference){a,.btn{transition:background .15s,color .15s,border-color .15s}}