:root{--navy:#05193A;--navy2:#031026;--navy3:#0A2552;--gold:#B8892F;--goldl:#E6C677;--goldd:#8F6A1A;--paper:#F5F7FA;--line:#DDE3EC;--muted:#4A5873;--ink:#0B1730;--serif:'Newsreader',Georgia,'Times New Roman',serif;--sans:'Public Sans',system-ui,Arial,sans-serif;--gg:linear-gradient(135deg,#E6C677,#B8892F 55%,#8F6A1A)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}
img{max-width:100%;display:block}a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2.3rem,5vw,3.7rem)}h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin-bottom:16px}h3{font-size:1.4rem;margin-bottom:8px}
p{max-width:68ch}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;transition:box-shadow .25s}
header.sc{box-shadow:0 6px 22px rgba(5,25,58,.12)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:84px;gap:16px;transition:min-height .25s}
header.sc .bar{min-height:66px}
.brand img{height:56px;width:auto;transition:height .25s}header.sc .brand img{height:44px}
nav ul{display:flex;gap:28px;list-style:none;align-items:center}
nav a{text-decoration:none;font-size:.95rem;font-weight:500;padding:6px 0;border-bottom:2px solid transparent}
nav a:hover,nav a[aria-current]{border-color:var(--gold)}
nav a.cta{background:var(--navy);color:#fff;padding:10px 22px;border:0}
nav a.cta:hover{background:var(--navy3)}
.burger{display:none;background:none;border:1px solid var(--line);padding:9px 14px;font:inherit;font-size:.95rem;cursor:pointer;color:var(--navy)}
.hero{background:radial-gradient(ellipse at 80% 20%,#10336F 0,var(--navy) 55%,var(--navy2) 100%);color:#fff;position:relative;overflow:hidden;padding:96px 0 104px}
.hero:before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(90deg,transparent 0 119px,rgba(255,255,255,.045) 119px 120px)}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:var(--gg)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
.hero p{font-size:1.15rem;color:#CBD6EA;margin:24px 0 36px}
.hero-art{animation:in 1.1s .15s both cubic-bezier(.2,.7,.2,1)}
@keyframes in{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 28px;text-decoration:none;font-weight:600;font-size:.95rem;border:1px solid var(--gold);background:var(--gg);color:var(--navy2);cursor:pointer;font-family:inherit;transition:filter .2s,transform .2s}
.btn:hover{filter:brightness(1.1);transform:translateY(-2px)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn.dark{background:var(--navy);color:#fff;border-color:var(--navy)}
section{padding:88px 0}
.alt{background:#fff}
.intro{margin-bottom:46px}.intro p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);padding:30px 26px;text-decoration:none;display:block;transition:transform .25s,box-shadow .25s}
.card:hover{transform:translateY(-6px);box-shadow:0 16px 34px rgba(5,25,58,.12)}
.card img{width:68px;height:68px;margin-bottom:18px}
.card p{color:var(--muted);font-size:.96rem}
.card span{display:inline-block;margin-top:14px;font-weight:600;color:var(--goldd);font-size:.92rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split p{color:var(--muted)}.split p+p{margin-top:14px}
.ticks{list-style:none;margin-top:24px}
.ticks li{padding:11px 0 11px 34px;border-bottom:1px solid var(--line);position:relative}
.ticks li:before{content:"";position:absolute;left:4px;top:17px;width:7px;height:12px;border:solid var(--gold);border-width:0 3px 3px 0;transform:rotate(40deg)}
.navybox{background:linear-gradient(160deg,var(--navy3),var(--navy2));padding:34px;color:#fff;position:relative}
.navybox:before{content:"";position:absolute;inset:10px;border:1px solid rgba(230,198,119,.45);pointer-events:none}
.navybox img{width:100%}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s;position:relative}
.steps:before{content:"";position:absolute;left:5%;right:5%;top:25px;height:2px;background:var(--line)}
.step{position:relative;counter-increment:s}
.step:before{content:counter(s);width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--goldl);display:grid;place-items:center;font-family:var(--serif);font-size:1.4rem;margin-bottom:18px;position:relative;box-shadow:0 0 0 6px var(--paper)}
.alt .step:before{box-shadow:0 0 0 6px #fff}
.step p{color:var(--muted);font-size:.96rem}
.band{background:linear-gradient(120deg,var(--navy2),var(--navy3));color:#fff;padding:64px 0;position:relative}
.band:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--gg)}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.band p{color:#C3CFE6}
.page-head{background:radial-gradient(ellipse at 85% 0,#10336F 0,var(--navy) 60%,var(--navy2));color:#fff;padding:76px 0 68px;position:relative}
.page-head:after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:var(--gg)}
.page-head p{color:#CBD6EA;margin-top:14px;font-size:1.1rem}
.tabs{display:flex;gap:8px;flex-wrap:wrap;border-bottom:2px solid var(--line);margin-bottom:44px}
.tabs button{background:none;border:0;padding:14px 22px;font:inherit;font-weight:600;color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-2px}
.tabs button[aria-selected=true]{color:var(--navy);border-color:var(--gold)}
.tabs button:hover{color:var(--navy)}
.tp{display:grid;grid-template-columns:1fr 1.4fr;gap:56px;padding:12px 0 40px;animation:in .45s both}
.tp[hidden]{display:none}
.tp>div:first-child{background:#fff;border:1px solid var(--line);padding:34px;align-self:start}
.tp img{width:84px;height:84px;margin-bottom:16px}
.tp p{color:var(--muted)}
.tp h4{font-family:var(--serif);font-size:1.25rem;font-weight:500;margin-bottom:6px}
.tp .btn{margin-top:28px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.two p{color:var(--muted)}.two p+p{margin-top:16px}
.panel{background:var(--navy);color:#fff;padding:38px;border-left:4px solid var(--gold)}
.panel p{color:#CBD6EA}.panel h3{color:var(--goldl)}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.three>div{border-top:3px solid var(--gold);padding-top:18px}
.three p{color:var(--muted);font-size:.98rem}
.faq{max-width:820px}
details{border-bottom:1px solid var(--line);padding:4px 0}
summary{cursor:pointer;font-family:var(--serif);font-size:1.25rem;padding:16px 36px 16px 0;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:6px;top:10px;font-size:1.8rem;color:var(--gold);transition:transform .25s}
details[open] summary:after{transform:rotate(45deg)}
details p{color:var(--muted);padding:0 0 20px}
.contact{display:grid;grid-template-columns:1fr 1.2fr;gap:56px}
.info{display:grid;gap:16px;margin-top:26px}
.info div{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);padding:18px 22px}
.info b{display:block;color:var(--navy);font-family:var(--serif);font-size:1.15rem;font-weight:600}
.info span{color:var(--muted);font-size:.97rem}
.info button{margin-top:8px;background:none;border:1px solid var(--line);padding:5px 12px;font:inherit;font-size:.85rem;cursor:pointer;color:var(--navy)}
.info a{color:var(--goldd);font-weight:600}
form{background:#fff;border:1px solid var(--line);padding:36px;border-top:3px solid var(--gold)}
label{display:block;font-weight:600;font-size:.9rem;margin:0 0 6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #B4BFD2;font:inherit;background:#fff;margin-bottom:20px;color:var(--ink)}
textarea{min-height:130px;resize:vertical}
.map{margin-top:56px;border:1px solid var(--line)}
.map iframe{display:block;width:100%;height:400px;border:0}
footer{background:var(--navy2);color:#AFBBD3;padding:60px 0 28px;font-size:.93rem;border-top:4px solid var(--gold)}
footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1.2fr;gap:40px;margin-bottom:36px}
footer img{height:70px;width:auto;margin-bottom:14px}
footer b{color:#fff;display:block;margin-bottom:10px;font-family:var(--serif);font-size:1.15rem;font-weight:500}
footer a{text-decoration:none}footer a:hover{color:var(--goldl)}
footer .copy{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:.84rem}
.fab{position:fixed;right:20px;z-index:30;width:54px;height:54px;border-radius:50%;display:grid;place-items:center;box-shadow:0 6px 18px rgba(0,0,0,.3);border:0;cursor:pointer}
.wa{bottom:20px;background:#1FA855;color:#fff}.wa svg{width:30px;height:30px}
.up{bottom:86px;background:var(--navy);color:var(--goldl);font-size:1.3rem;opacity:0;pointer-events:none;transition:opacity .25s}
.up.on{opacity:1;pointer-events:auto}
@media(max-width:960px){.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.steps:before{display:none}}
@media(max-width:860px){
.burger{display:block}
nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:12px 24px 22px}
nav.open{display:block}nav ul{flex-direction:column;align-items:flex-start;gap:14px}
.brand img{height:46px}
.hero{padding:60px 0 70px}.hero .wrap,.split,.tp,.two,.three,.contact,footer .cols{grid-template-columns:1fr}
.hero-art{max-width:340px;margin:0 auto}
section{padding:60px 0}.split,.tp,.two,.contact{gap:34px}.tabs button{padding:12px 14px}}
@media(max-width:560px){.cards,.steps{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}