:root{--bg:#fff;--bg2:#F1F4F8;--ink:#0F2545;--muted:#485972;--navy:#0F2545;--navy2:#183B6B;--gold:#C4A468;--goldtxt:#86692D;--line:#DCE2EB;--card:#fff;
box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0A1729;--bg2:#0E2039;--ink:#EDF1F7;--muted:#A8B6CB;--line:#233A5C;--card:#0E2039;--goldtxt:#D6BB80}}
:root[data-theme="dark"]{--bg:#0A1729;--bg2:#0E2039;--ink:#EDF1F7;--muted:#A8B6CB;--line:#233A5C;--card:#0E2039;--goldtxt:#D6BB80}
html{scroll-padding-top:calc(76px + env(safe-area-inset-top,0px));scroll-behavior:smooth}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Montserrat",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.6;font-size:16px}
img{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.15;margin:0;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.4vw,2.2rem);font-weight:700}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:6px;font-weight:700;font-size:.95rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#0F2545}
.btn-gold:hover{background:#D3B77F}
.btn-line{border-color:rgba(255,255,255,.55);color:#fff}
.btn-line:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--gold)}
/* header */
header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:3px solid var(--gold);padding-top:env(safe-area-inset-top,0px)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;height:72px}
.bar img{height:54px;width:auto}
nav{display:none;gap:26px;font-weight:600;font-size:.9rem}
nav a{text-decoration:none;color:#0F2545}
nav a:hover{color:#86692D}
.bar .btn{padding:10px 18px;font-size:.85rem}
@media(min-width:820px){nav{display:flex}}
/* hero */
.hero{background:var(--navy);color:#fff;padding:72px 0 80px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;bottom:-190px;width:560px;height:560px;border:2px solid var(--gold);opacity:.28;transform:rotate(45deg)}
.hero .wrap{display:grid;gap:44px;position:relative;z-index:1}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.35fr 1fr;align-items:center}}
.hero h1{font-size:clamp(2.1rem,5.4vw,3.5rem);font-weight:800}
.hero p{font-size:1.1rem;max-width:34em;color:#D5DEEB;margin:22px 0 30px}
.cta{display:flex;flex-wrap:wrap;gap:12px}
.facts{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.facts li{border-left:4px solid var(--gold);background:rgba(255,255,255,.07);padding:16px 20px;border-radius:0 8px 8px 0}
.facts b{display:block;font-size:1.25rem;font-weight:700}
.facts span{font-size:.9rem;color:#C5D1E2}
/* sections */
section{padding:76px 0}
.alt{background:var(--bg2)}
.lead{color:var(--muted);max-width:40em;margin:14px 0 0}
.groups{display:grid;gap:18px;margin-top:38px}
@media(min-width:700px){.groups{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.groups{grid-template-columns:repeat(4,1fr)}}
.group{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:22px}
.group h3{font-size:1.05rem;margin-bottom:12px}
.group ul{margin:0;padding-left:18px;color:var(--muted)}
.group li{margin:5px 0}
.note{margin-top:26px;font-weight:600}
.steps{list-style:none;margin:40px 0 0;padding:0;display:grid;gap:20px;counter-reset:s}
@media(min-width:800px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{counter-increment:s;position:relative;padding-top:58px}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;display:grid;place-items:center;border:2px solid var(--gold)}
.steps h3{font-size:1.05rem;margin-bottom:6px}
.steps p{margin:0;color:var(--muted);font-size:.95rem}
.faq{margin-top:34px;max-width:780px}
details{border-bottom:1px solid var(--line);padding:4px 0}
summary{cursor:pointer;font-weight:600;padding:16px 30px 16px 0;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.5rem;color:var(--goldtxt);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{margin:0 0 18px;color:var(--muted)}
/* contact */
.contact{background:var(--navy);color:#fff;text-align:center}
.contact h2{color:#fff}
.contact .lead{color:#D5DEEB;margin-left:auto;margin-right:auto}
.contact .cta{justify-content:center;margin-top:30px}
.data{margin:34px auto 0;display:grid;gap:10px;max-width:420px;color:#D5DEEB;font-size:.95rem}
.data b{color:#fff}
footer{background:#0A1B36;color:#A8B6CB;padding:26px 0;font-size:.85rem;text-align:center}
.mbar{display:none}
.mbar .btn{width:100%}
@media(max-width:700px){
.mbar{display:grid;grid-template-columns:1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:30;background:#fff;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));box-shadow:0 -2px 14px rgba(0,0,0,.18)}
.mbar .btn{padding:12px 8px;font-size:.85rem}
footer{padding-bottom:calc(84px + env(safe-area-inset-bottom,0px))}
.bar .btn{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,summary::after{transition:none}}