:root{
  --navy:#0B2341;
  --navy2:#173A63;
  --gold:#C8A14D;
  --gold2:#E0BF73;
  --ink:#1f2933;
  --muted:#66717d;
  --cream:#F7F3EA;
  --white:#fff;
  --line:#dfe4ea;
  --shadow:0 24px 70px rgba(11,35,65,.14);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(calc(100% - 36px),var(--max));margin-inline:auto}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:9999}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:88px;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:58px;height:58px;object-fit:contain}
.brand-text{font-family:Georgia,"Times New Roman",serif;font-weight:700;color:var(--navy);font-size:1.13rem;line-height:1.08}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;padding:9px 12px;border-radius:9px;font-weight:700}
.nav-list{display:flex;align-items:center;gap:22px;list-style:none;margin:0;padding:0}
.nav-list a{text-decoration:none;color:var(--navy);font-weight:700}
.nav-list a:hover,.nav-list a[aria-current="page"]{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;border-radius:10px;text-decoration:none;font-weight:800;border:0;cursor:pointer;transition:.2s ease}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--gold);color:#122033;transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#102033}
.btn-gold:hover{background:var(--gold2);transform:translateY(-1px)}
.btn-outline{border:2px solid var(--gold);color:var(--navy);background:#fff}
.btn-outline:hover{background:var(--cream)}
.hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#06172b 0%,#0b2341 56%,#174b75 100%);color:#fff}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 86% 24%,rgba(200,161,77,.32),transparent 27%)}
.hero-inner{position:relative;z-index:1;min-height:690px;display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center;padding:90px 0}
.kicker{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.8rem;color:var(--gold2)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.15;margin-top:0;color:var(--navy)}
.hero h1{color:#fff;font-size:clamp(3rem,6vw,5.6rem);margin:.18em 0}
.hero p{font-size:1.2rem;color:#dce7f1;max-width:760px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.hero-card{background:rgba(255,255,255,.96);border-radius:28px;padding:30px;box-shadow:var(--shadow)}
.hero-card img{max-width:400px;margin:auto}
.trust-strip{background:#fff;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding:22px 0}
.trust-item{font-weight:800;color:var(--navy);text-align:center}
section{padding:84px 0}
.section-head{max-width:780px;margin-bottom:40px}
.section-head h2{font-size:clamp(2.1rem,4vw,3.5rem);margin-bottom:14px}
.section-head p{color:var(--muted);font-size:1.08rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 10px 34px rgba(11,35,65,.07)}
.card h3{font-size:1.45rem}
.icon{font-size:1.8rem;color:var(--gold);margin-bottom:12px}
.alt{background:var(--cream)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.panel{background:var(--navy);color:#fff;border-radius:24px;padding:44px;box-shadow:var(--shadow)}
.panel h2,.panel h3{color:#fff}
.panel p{color:#dce6ef}
.checks{list-style:none;padding:0;display:grid;gap:12px}
.checks li:before{content:"✓";color:var(--gold);font-weight:900;margin-right:10px}
.page-hero{background:linear-gradient(120deg,#06172b,#0b2341 62%,#17466d);color:#fff;padding:84px 0}
.page-hero h1{color:#fff;font-size:clamp(2.7rem,5vw,4.8rem);margin-bottom:14px}
.page-hero p{max-width:780px;color:#dce6ef;font-size:1.16rem}
.process{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;background:#fff;border:1px solid var(--line);padding:30px;border-radius:var(--radius)}
.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--gold);color:#142033;font-weight:900;margin-bottom:16px}
.notice{border-left:4px solid var(--gold);background:var(--cream);padding:18px 20px}
.form-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:42px}
form{display:grid;gap:16px}
label{font-weight:800;color:var(--navy)}
input,textarea,select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:9px;font:inherit;background:#fff}
input:focus,textarea:focus,select:focus{outline:3px solid rgba(200,161,77,.22);border-color:var(--gold)}
.small{font-size:.9rem;color:var(--muted)}
.cta{background:linear-gradient(120deg,var(--navy),#174b75);color:#fff}
.cta h2{color:#fff}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta p{color:#dce6ef;max-width:730px}
.site-footer{background:#06172b;color:#cbd6e1;padding:54px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:40px}
.site-footer h3{color:#fff}
.site-footer a{color:#ead18f}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:22px;font-size:.9rem}
.inline-actions{display:flex;flex-wrap:wrap;gap:14px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:18px 20px;background:#fff;margin-bottom:14px}
.faq summary{font-weight:800;color:var(--navy);cursor:pointer}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;background:#fff}
th,td{padding:14px;border-bottom:1px solid var(--line);text-align:left}
th{color:var(--navy)}
@media(max-width:920px){
  .hero-inner,.split,.form-grid{grid-template-columns:1fr}
  .grid3,.process{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .cta-inner{flex-direction:column;align-items:flex-start}
  .nav-toggle{display:block}
  .nav-list{display:none;position:absolute;left:0;right:0;top:88px;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line)}
  .nav-list.open{display:flex}
  .nav-list a{display:block;padding:14px 20px}
  .header-cta{display:none}
}
@media(max-width:560px){
  .brand-text{display:none}
  section{padding:64px 0}
  .hero-inner{padding:70px 0}
  .hero h1{font-size:2.9rem}
  .trust-grid{grid-template-columns:1fr}
}