:root{
  --navy:#0b1f33; --navy2:#123452; --gold:#c7a45b; --ink:#182433;
  --muted:#637083; --line:#e7ebf0; --soft:#f5f7fa; --white:#fff;
  --radius:18px; --shadow:0 16px 45px rgba(11,31,51,.10);
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Manrope,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:inherit;text-decoration:none}.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:#dce6ef;font-size:13px}.topbar .container{display:flex;justify-content:space-between;padding:8px 0}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:800;letter-spacing:.08em;color:var(--navy);font-size:22px}.brand span{display:block;font-size:9px;letter-spacing:.24em;color:var(--gold);margin-top:-3px}
.navlinks{display:flex;gap:24px;align-items:center;font-size:14px;font-weight:600}.navlinks a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;padding:12px 19px;font-weight:700;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--navy);color:white}.btn-primary:hover{background:var(--navy2)}.btn-gold{background:var(--gold);color:var(--navy)}.btn-outline{border-color:#ccd5df;background:white}
.menu{display:none;border:0;background:none;font-size:25px}
.hero{background:linear-gradient(120deg,#f5f8fb 0%,#fff 52%,#edf3f7 100%);padding:92px 0 84px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}
.eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#8b6d32;font-weight:800}
h1{font-size:clamp(42px,5.3vw,68px);line-height:1.08;letter-spacing:-.045em;margin:15px 0 22px;color:var(--navy)}
h2{font-size:clamp(30px,3.5vw,44px);line-height:1.15;letter-spacing:-.03em;color:var(--navy);margin:0 0 18px}
h3{color:var(--navy);margin:0 0 8px;font-size:20px}p{margin:0 0 16px}.lead{font-size:19px;color:#536174;max-width:690px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-card{background:var(--navy);color:white;padding:32px;border-radius:24px;box-shadow:var(--shadow);position:relative}.hero-card:after{content:"";position:absolute;width:150px;height:150px;border:1px solid rgba(199,164,91,.45);border-radius:50%;right:-55px;top:-55px}.hero-card h3{color:white;font-size:25px}.hero-card p{color:#cbd7e2}.mini-list{list-style:none;padding:0;margin:22px 0 0}.mini-list li{padding:11px 0;border-top:1px solid rgba(255,255,255,.14);font-size:14px}
.section{padding:82px 0}.soft{background:var(--soft)}.center{text-align:center}.section-intro{max-width:700px;margin:0 auto 40px}.section-intro p{color:var(--muted)}
.trust{padding:22px 0;border-bottom:1px solid var(--line);border-top:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.trust-item{font-weight:700;color:var(--navy);text-align:center}.trust-item small{display:block;color:var(--muted);font-weight:500}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:var(--radius);padding:27px;background:white;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#d4dce5}.icon{width:42px;height:42px;border-radius:11px;background:#eef3f7;display:grid;place-items:center;color:var(--gold);font-weight:900;margin-bottom:18px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.checklist{list-style:none;padding:0}.checklist li{padding:12px 0 12px 30px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step{position:relative;padding:28px;border-top:3px solid var(--gold);background:white}.num{font-size:12px;letter-spacing:.14em;color:var(--gold);font-weight:800}
.cta{background:var(--navy);color:white;border-radius:24px;padding:50px}.cta h2{color:white}.cta p{color:#cbd7e2}.cta .actions{margin-top:20px}
.form{display:grid;grid-template-columns:1fr 1fr;gap:15px}.form input,.form select,.form textarea{width:100%;padding:14px;border:1px solid #d8e0e8;border-radius:9px;font:inherit}.form textarea{min-height:130px;grid-column:1/-1}.full{grid-column:1/-1}
.page-hero{background:var(--soft);padding:72px 0}.page-hero p{max-width:750px;color:var(--muted);font-size:18px}
.faq details{border-top:1px solid var(--line);padding:18px 0}.faq summary{font-weight:750;color:var(--navy);cursor:pointer}
footer{background:#081827;color:#bdc9d5;padding:58px 0 25px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:35px}.footer-brand{color:white;font-size:22px;font-weight:800}.footer-title{color:white;font-weight:700;margin-bottom:12px}.footer-links{display:grid;gap:8px;font-size:14px}.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:18px;font-size:12px}
.notice{font-size:12px;color:#738091;margin-top:18px}
.mobilebar{display:none}
@media(max-width:850px){
 .topbar{display:none}.navlinks{display:none}.menu{display:block}.nav{height:66px}.hero{padding:62px 0}.hero-grid,.split{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr 1fr}.trust-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.mobilebar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:50;background:white;border-top:1px solid var(--line);padding:8px;gap:8px}.mobilebar a{flex:1;text-align:center;padding:9px;background:var(--navy);color:white;border-radius:8px;font-size:13px;font-weight:700}.mobilebar a:first-child{background:white;color:var(--navy);border:1px solid var(--line)}
}
@media(max-width:560px){.cards,.steps,.footer-grid,.form{grid-template-columns:1fr}.form textarea,.full{grid-column:auto}h1{font-size:42px}.section{padding:62px 0}.cta{padding:32px 24px}}