:root{--navy:#0d2240;--navy2:#132f55;--gold:#c9a45c;--gold2:#b48d42;--ink:#1c2533;--mut:#5d6878;--bg:#faf8f4;--line:#e6e1d6;--serif:'Cormorant Garamond',Georgia,serif;--sans:Inter,system-ui,-apple-system,Segoe UI,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--navy2)}img{max-width:100%;display:block}.w{max-width:1180px;margin:0 auto;padding:0 24px}.narrow{max-width:820px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;color:var(--navy);margin:.2em 0 .45em}h2{font-size:clamp(2rem,3.6vw,2.8rem)}h3{font-size:1.45rem}h4{margin:.2em 0;font-size:1rem}
em{font-style:italic;color:var(--gold)}.c{text-align:center}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.74rem;font-weight:600;color:var(--gold2);margin:0}
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:var(--serif);font-size:1.5rem;font-weight:600}.brand b{color:var(--gold2);font-weight:600}.mark{width:38px;height:38px}
nav{display:flex;align-items:center;gap:26px}nav a{text-decoration:none;color:var(--ink);font-size:.92rem;font-weight:500}nav a:hover{color:var(--gold2)}.menu{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}
.btn{display:inline-block;width:100%;background:var(--navy);color:#fff!important;border:0;border-radius:6px;padding:15px 22px;font:600 1rem var(--sans);letter-spacing:.02em;cursor:pointer;text-align:center;text-decoration:none;transition:.2s}.btn:hover{background:var(--navy2);transform:translateY(-1px)}.btn.sm{width:auto;padding:10px 18px;font-size:.88rem}.btn.gold{background:var(--gold);color:var(--navy)!important;width:auto;padding:16px 34px}.btn.gold:hover{background:#d8b56f}
.hero{position:relative;background-image:linear-gradient(100deg,rgba(9,24,46,.93) 0%,rgba(9,24,46,.78) 45%,rgba(9,24,46,.35)),var(--bg);background-position:center,var(--pos);background-size:cover;color:#fff;padding:84px 0 96px}
.hgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}.hero h1{color:#fff;font-size:clamp(2.5rem,5vw,4rem)}.hero .lead{font-size:1.12rem;color:#dfe5ee;max-width:560px}
.checks{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px 24px;margin:26px 0}.checks li:before{content:"✓";color:var(--gold);font-weight:700;margin-right:8px}
.pill{display:inline-block;border:1px solid rgba(201,164,92,.6);color:#f1e6cf;border-radius:40px;padding:6px 16px;font-size:.85rem}
.qform{background:#fff;color:var(--ink);border-radius:14px;padding:34px;box-shadow:0 30px 60px -20px rgba(0,0,0,.45);border-top:4px solid var(--gold)}.qform h2{font-size:1.9rem;margin:.15em 0 0}.sub{color:var(--mut);margin:0 0 10px;font-size:.92rem}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}label{display:block;font-weight:600;font-size:.8rem;color:var(--navy);margin-top:12px;letter-spacing:.02em}
input,select,textarea{width:100%;margin-top:5px;padding:12px 14px;border:1px solid #d7dbe2;border-radius:7px;font:400 .95rem var(--sans);background:#fbfbfc;transition:.15s}input:focus,select:focus,textarea:focus{outline:0;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,164,92,.2);background:#fff}
.consent{display:flex;gap:10px;font-weight:400;font-size:.72rem;line-height:1.45;color:var(--mut);letter-spacing:0}.consent input{width:16px;height:16px;margin-top:2px;flex:none;accent-color:var(--navy)}.qform .btn{margin-top:16px}.secure{font-size:.75rem;color:var(--mut);text-align:center;margin:10px 0 0}
.sec{padding:96px 0}.alt{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:40px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;text-decoration:none;color:var(--ink);transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:0 24px 40px -22px rgba(13,34,64,.4)}.ci{height:170px;overflow:hidden}.ci img{width:100%;height:100%;object-fit:cover}.cb{padding:22px;position:relative}.cb p{color:var(--mut);font-size:.9rem}.cb b{color:var(--gold2);font-size:.9rem}
.ico{position:absolute;top:-24px;right:20px;width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center}.ico svg{width:22px;height:22px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:44px}.steps>div{background:#fff;padding:34px;border-radius:12px;border:1px solid var(--line)}.steps span{font-family:var(--serif);font-size:2.6rem;color:var(--gold);font-weight:600}.steps p{color:var(--mut)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.ph img{border-radius:14px;box-shadow:0 30px 50px -30px rgba(0,0,0,.5);aspect-ratio:4/3;object-fit:cover}
.why{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:22px}.why>div{border-left:2px solid var(--gold);padding-left:16px}.why p{color:var(--mut);margin:.2em 0;font-size:.93rem}
.ticks{list-style:none;padding:0}.ticks li{padding:10px 0 10px 30px;border-bottom:1px solid var(--line);position:relative}.ticks li:before{content:"";position:absolute;left:4px;top:18px;width:10px;height:10px;border-radius:50%;background:var(--gold)}
.faq{margin-top:30px}.q{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px}.q button{width:100%;text-align:left;background:none;border:0;padding:20px 22px;font:600 1.02rem var(--sans);color:var(--navy);display:flex;justify-content:space-between;cursor:pointer}.q i{font-style:normal;color:var(--gold2);font-size:1.3rem;transition:.2s}.q p{display:none;padding:0 22px 20px;margin:0;color:var(--mut)}.q.open p{display:block}.q.open i{transform:rotate(45deg)}
.cta{background:var(--navy);color:#fff;text-align:center;padding:80px 0}.cta h2{color:#fff}.cta p{color:#c9d2df;margin-bottom:28px}
.phero{background:var(--navy);padding:64px 0}.phero h1{color:#fff;font-size:3rem}.prose h2{font-size:1.7rem;margin-top:1.4em}.prose p{color:#3b4555}
footer{background:#081629;color:#aab5c5;padding:70px 0 0;font-size:.9rem}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:40px}footer h4{color:#fff;font-family:var(--serif);font-size:1.2rem;margin-bottom:12px}footer a{color:#aab5c5;display:block;text-decoration:none;margin:4px 0}footer a:hover{color:var(--gold)}.brand.light{color:#fff}.disc{font-size:.84rem;line-height:1.6}.disc a{display:inline;text-decoration:underline}.legal{border-top:1px solid #1d2c44;margin-top:50px;padding:22px 24px;font-size:.8rem;color:#7d8aa0}
.sticky{display:none}
@media(max-width:980px){.hgrid,.split{grid-template-columns:1fr;gap:40px}.cards{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:720px){nav{display:none}.menu{display:block}.nav-open nav{display:flex;flex-direction:column;position:absolute;top:74px;left:0;right:0;background:#fff;padding:20px;gap:16px;border-bottom:1px solid var(--line)}.hero{padding:48px 0 60px}.qform{padding:24px}.row,.cards,.steps,.why,.fgrid{grid-template-columns:1fr}.sec{padding:64px 0}body{padding-bottom:72px}.sticky{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;background:var(--gold);color:var(--navy);text-align:center;font-weight:700;padding:15px;border-radius:10px;text-decoration:none;box-shadow:0 10px 30px rgba(0,0,0,.3)}}