:root{--navy:#0f2542;--navy2:#183a63;--blue:#1f6fd6;--blue2:#3f8ef0;--gold:#c9a227;--ink:#1c2733;--mut:#5a6b7d;--bg:#f6f8fb;--card:#ffffff;--line:#e3e9f1;--rad:14px}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Source Sans 3','Segoe UI',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3{font-family:'Merriweather',Georgia,serif;color:var(--navy);line-height:1.25}
a{color:var(--blue);text-decoration:none}
img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(15,37,66,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;max-width:1120px;margin:0 auto}
.brand{color:#fff;font-family:'Merriweather',serif;font-weight:700;font-size:1.15rem;letter-spacing:.2px}
.brand span{color:var(--gold)}
.brand small{display:block;font-family:'Source Sans 3',sans-serif;font-weight:400;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:#9fb3cc}
.navlinks{display:flex;gap:22px;align-items:center}
.navlinks a{color:#dbe6f4;font-size:.95rem}
.navlinks a:hover{color:#fff}
.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:12px 26px;border-radius:8px;font-weight:700;border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--blue2)}
.btn-gold{background:var(--gold);color:var(--navy)!important}
.btn-gold:hover{background:#dcb63a}
.menu-btn{display:none;background:none;border:none;color:#fff;font-size:1.6rem;cursor:pointer}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#1d4a80 100%);color:#eaf1fa;padding:72px 0 64px;text-align:center}
.hero h1{color:#fff;font-size:clamp(1.7rem,4.2vw,2.9rem);max-width:820px;margin:0 auto 18px}
.hero p{max-width:680px;margin:0 auto 26px;font-size:1.12rem;color:#c9d8ea}
.trustbar{display:flex;justify-content:center;gap:32px;flex-wrap:wrap;margin-top:34px;color:#9fb3cc;font-size:.9rem}
.trustbar b{color:#fff;display:block;font-size:1.3rem}
.badge{display:inline-block;background:rgba(201,162,39,.15);color:var(--gold);border:1px solid rgba(201,162,39,.4);padding:5px 14px;border-radius:99px;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
section{padding:58px 0}
.sec-h{text-align:center;max-width:720px;margin:0 auto 40px}
.sec-h h2{font-size:clamp(1.4rem,3vw,2rem);margin-bottom:10px}
.sec-h p{color:var(--mut)}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:26px;transition:box-shadow .2s,transform .2s}
a.card:hover{box-shadow:0 10px 26px rgba(15,37,66,.12);transform:translateY(-3px)}
.card .ic{font-size:1.9rem;margin-bottom:12px;display:block}
.card h3{font-size:1.08rem;margin-bottom:6px}
.card p{color:var(--mut);font-size:.94rem}
.steps{counter-reset:s}
.step{position:relative;padding-left:0}
.step .n{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:'Merriweather',serif;font-weight:700;font-size:1.2rem;margin-bottom:14px}
.checks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 26px;margin:18px 0}
.checks li{padding-left:28px;position:relative;color:var(--ink)}
.checks li:before{content:'\2713';position:absolute;left:0;color:var(--blue);font-weight:700}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:28px}
.faq summary:after{content:'+';position:absolute;right:2px;top:14px;color:var(--blue);font-size:1.2rem}
.faq details[open] summary:after{content:'\2212'}
.faq details p{padding:0 0 16px;color:var(--mut)}
.formcard{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:30px;box-shadow:0 14px 34px rgba(15,37,66,.10)}
.formcard h3{margin-bottom:4px}
.formcard .sub{color:var(--mut);font-size:.9rem;margin-bottom:18px}
.formcard label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin:12px 0 4px}
.formcard input,.formcard select,.formcard textarea{width:100%;padding:11px 12px;border:1px solid #c8d3e0;border-radius:8px;font:inherit;background:#fff}
.consent{display:flex;gap:10px;align-items:flex-start;margin:16px 0;font-size:.78rem;color:var(--mut);line-height:1.5}
.consent input{width:auto;margin-top:3px}
.cta-band{background:linear-gradient(135deg,var(--navy),#1d4a80);color:#fff;text-align:center;border-radius:var(--rad);padding:44px 30px}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#c9d8ea;margin-bottom:22px}
footer{background:var(--navy);color:#9fb3cc;padding:52px 0 30px;margin-top:40px;font-size:.9rem}
footer h4{color:#fff;font-size:.95rem;margin-bottom:12px}
footer a{color:#9fb3cc}
footer a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;margin-bottom:34px}
.fgrid ul{list-style:none}
.fgrid li{margin-bottom:8px}
.disc{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.74rem;line-height:1.6;color:#7e93ad}
.disc p{margin-bottom:10px}
.crumb{font-size:.85rem;color:var(--mut);padding:16px 0 0}
.notice{background:#eef4fc;border:1px solid #cfe0f5;border-radius:10px;padding:14px 18px;font-size:.85rem;color:#33517a;margin:18px 0}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.checks{grid-template-columns:1fr}}
@media(max-width:640px){.grid-3,.grid-4{grid-template-columns:1fr}.navlinks{display:none}.navlinks.open{display:flex;flex-direction:column;position:absolute;top:60px;left:0;right:0;background:var(--navy);padding:18px 24px;gap:14px}.menu-btn{display:block}.fgrid{grid-template-columns:1fr}}