:root{--navy:#1E2A44;--navy-strong:#141D31;--navy-soft:#2B3B5C;--gold:#C9A86A;--gold-light:#DEC28E;--bg:#FAFAF9;--surface:#fff;--surface-2:#F4F4F1;--border:#E7E7E2;--text:#1A1A1E;--text-2:#5C5C66;--text-3:#8E8E99;--r:12px;--sh:0 4px 14px rgba(20,29,49,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Instrument Sans',Inter,system-ui,sans-serif;line-height:1.15;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em}h1{font-size:clamp(1.9rem,4.2vw,2.9rem)}h2{font-size:clamp(1.45rem,3vw,2rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}a{color:var(--navy)}img{max-width:100%}.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:600;text-decoration:none;border:1.5px solid transparent;transition:.2s;cursor:pointer;font-size:1rem}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy-strong)}.btn-gold{background:var(--gold);color:var(--navy-strong)}.btn-gold:hover{background:var(--gold-light)}.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}.btn-lg{padding:16px 28px;font-size:1.05rem}
.topbar{background:var(--navy-strong);color:#fff;font-size:.86rem;padding:7px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.topbar a{color:var(--gold-light);text-decoration:none;font-weight:600}
.nav{position:sticky;top:0;z-index:50;background:rgba(250,250,249,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}.brand{display:flex;align-items:center;gap:10px;font-family:'Instrument Sans',sans-serif;font-weight:700;font-size:1.15rem;color:var(--navy);text-decoration:none}.brand .mark{width:34px;height:34px;border-radius:9px;background:var(--navy);display:grid;place-items:center}
.menu{display:flex;gap:4px;align-items:center;list-style:none;margin:0;padding:0}.menu a{padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--text);font-weight:500;font-size:.95rem}.menu a:hover{background:var(--surface-2)}.menu .call{background:var(--gold);color:var(--navy-strong);font-weight:700}
.burger{display:none;background:none;border:1px solid var(--border);border-radius:8px;padding:8px 10px;font-size:1.2rem}
@media(max-width:900px){.menu{display:none;position:absolute;top:68px;left:0;right:0;background:var(--surface);flex-direction:column;align-items:stretch;padding:10px 16px 16px;border-bottom:1px solid var(--border);box-shadow:var(--sh)}.menu.open{display:flex}.burger{display:block}}
.hero{background:linear-gradient(135deg,var(--navy-strong) 0%,var(--navy) 55%,var(--navy-soft) 100%);color:#fff;padding:clamp(48px,7vw,90px) 0}.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}.hero h1{color:#fff}.hero .sub{font-size:1.12rem;color:rgba(255,255,255,.85);max-width:560px}.hero .kicker{display:inline-block;background:rgba(201,168,106,.18);color:var(--gold-light);border:1px solid rgba(201,168,106,.4);padding:5px 12px;border-radius:999px;font-size:.82rem;font-weight:600;margin-bottom:16px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px;font-size:.9rem;color:rgba(255,255,255,.85)}.trust span::before{content:"✓";color:var(--gold);font-weight:700;margin-right:6px}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.card-form{background:#fff;color:var(--text);border-radius:16px;padding:24px;box-shadow:0 18px 50px rgba(0,0,0,.25)}.card-form h3{margin-bottom:4px}.card-form .small{font-size:.85rem;color:var(--text-2)}
form.lead{display:grid;gap:10px}form.lead input,form.lead select,form.lead textarea{width:100%;padding:12px 13px;border:1px solid var(--border);border-radius:9px;font:inherit;background:#fff}form.lead input:focus,form.lead select:focus,form.lead textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.sect{padding:clamp(48px,7vw,84px) 0}.sect-alt{background:var(--surface-2)}.sect-head{max-width:720px;margin-bottom:32px}.sect-head .eyebrow{color:var(--gold);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}
.grid{display:grid;gap:18px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.g3,.g4,.g2{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:22px;transition:.2s;display:flex;flex-direction:column}.card:hover{box-shadow:var(--sh);transform:translateY(-2px)}.card .ico{width:44px;height:44px;border-radius:10px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:14px;font-size:1.3rem}.card h3 a{text-decoration:none}.card p{color:var(--text-2);font-size:.95rem;flex:1}.card .more{font-weight:600;font-size:.92rem;text-decoration:none}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{text-align:center;padding:20px;background:var(--surface);border:1px solid var(--border);border-radius:var(--r)}.stat b{display:block;font-size:2rem;color:var(--navy);font-family:'Instrument Sans',sans-serif}.stat span{color:var(--text-2);font-size:.9rem}@media(max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}
.steps{counter-reset:s}.step{position:relative;padding-left:56px;margin-bottom:22px}.step::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy-strong);font-weight:700;display:grid;place-items:center;font-family:'Instrument Sans',sans-serif}
.faq details{background:var(--surface);border:1px solid var(--border);border-radius:10px;padding:14px 18px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}.faq details p{margin:10px 0 0;color:var(--text-2)}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chips a{background:var(--surface);border:1px solid var(--border);padding:8px 14px;border-radius:999px;text-decoration:none;font-size:.92rem;color:var(--navy);font-weight:500}.chips a:hover{border-color:var(--gold);background:#fff8ea}
.band{background:var(--navy);color:#fff;border-radius:18px;padding:36px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.band h2{color:#fff;margin:0}.band p{margin:6px 0 0;color:rgba(255,255,255,.85)}
.article{max-width:800px}.article h2{margin-top:2em}.article table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff}.article th,.article td{border:1px solid var(--border);padding:10px 12px;text-align:left;font-size:.95rem}.article th{background:var(--surface-2)}.article ul,.article ol{padding-left:22px}.article li{margin-bottom:6px}
.infobox{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:22px 0}.infobox div{background:var(--surface-2);border-left:4px solid var(--gold);padding:14px 16px;border-radius:8px;font-size:.95rem}.infobox b{display:block;color:var(--navy);margin-bottom:4px}@media(max-width:600px){.infobox{grid-template-columns:1fr}}
.crumbs{font-size:.85rem;color:var(--text-3);margin:18px 0}.crumbs a{color:var(--text-2);text-decoration:none}
.side{position:sticky;top:90px}.layout{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}@media(max-width:960px){.layout{grid-template-columns:1fr}.side{position:static}}
.foot{background:var(--navy-strong);color:rgba(255,255,255,.8);padding:56px 0 28px;font-size:.93rem}.foot h5{color:#fff;margin:0 0 12px;font-size:1rem}.foot a{color:rgba(255,255,255,.8);text-decoration:none;display:block;margin-bottom:6px}.foot a:hover{color:var(--gold-light)}.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:32px}@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}.foot .legal{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;font-size:.82rem;color:rgba(255,255,255,.55);display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}.foot .legal a{display:inline;margin:0 10px 0 0}
.callbar{position:fixed;bottom:0;left:0;right:0;z-index:60;display:none;background:var(--gold);padding:10px 16px;text-align:center}.callbar a{color:var(--navy-strong);font-weight:700;text-decoration:none;font-size:1.05rem}@media(max-width:700px){.callbar{display:block}body{padding-bottom:52px}}
.review{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:20px}.review .stars{color:var(--gold);letter-spacing:2px}.review p{font-size:.95rem;color:var(--text-2)}.review b{font-size:.88rem}