:root{
  --navy:#0F2A43;
  --gold:#D4AF37;
  --bg:#F7F7F5;
  --text:#1E1E1E;
  --muted:#E6E6E6;
  --card:#ffffff;
  --shadow: 0 10px 30px rgba(0,0,0,.08);
  --radius: 18px;
  --max: 1100px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial;color:var(--text);background:var(--bg);line-height:1.6}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
header{position:sticky;top:0;z-index:20;background:rgba(247,247,245,.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--muted)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy)}
.brand img{width:40px;height:40px;border-radius:12px;border:1px solid var(--muted);background:#fff}
.brand span{font-size:18px;letter-spacing:.2px}
.menu{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.menu a{font-weight:700}
.menu .pill{padding:10px 14px;border:1px solid var(--navy);border-radius:999px}
.menu .pill.primary{background:var(--navy);color:#fff}
.menu .pill.primary:hover{opacity:.92;text-decoration:none}
.menu .pill:hover{text-decoration:none;background:rgba(15,42,67,.06)}
.hero{padding:48px 0 10px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:22px;align-items:stretch}
.card{background:var(--card);border:1px solid var(--muted);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{padding:26px}
.kicker{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--navy)}
h1{color:var(--navy);font-size:44px;line-height:1.12;margin:12px 0 12px}
h2{color:var(--navy);font-size:28px;line-height:1.25;margin:0 0 10px}
h3{color:var(--navy);font-size:18px;margin:0 0 6px}
.lede{font-size:17px;margin:0 0 18px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 16px;border-radius:999px;font-weight:800;border:1px solid var(--navy);text-decoration:none}
.btn.primary{background:var(--navy);color:#fff}
.btn.primary:hover{text-decoration:none;opacity:.92}
.btn.secondary{background:transparent;color:var(--navy)}
.btn.secondary:hover{text-decoration:none;background:rgba(15,42,67,.06)}
.note{margin-top:14px;border-radius:14px;border:1px solid rgba(212,175,55,.45);background:rgba(212,175,55,.12);padding:12px 14px;font-weight:650}
.note strong{color:var(--navy)}
.hero-media{overflow:hidden;border-radius:var(--radius);min-height:260px;background:linear-gradient(135deg, rgba(15,42,67,.92), rgba(15,42,67,.55));display:flex;align-items:flex-end;justify-content:flex-start;padding:18px;position:relative}
.hero-media::after{content:"";position:absolute;inset:-40%;background:radial-gradient(circle at 25% 20%, rgba(212,175,55,.35), transparent 55%),radial-gradient(circle at 70% 70%, rgba(212,175,55,.22), transparent 60%);transform:rotate(-10deg)}
.hero-media .badge{position:relative;z-index:2;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);color:#fff;border-radius:14px;padding:12px 14px;width:100%}
.section{padding:28px 0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.tile{padding:16px;border-radius:16px;border:1px solid var(--muted);background:#fff}
.tile p{margin:0}
.icon{width:48px;height:48px;border-radius:14px;border:1px solid var(--muted);background:#fff;display:flex;align-items:center;justify-content:center;overflow:hidden;margin-bottom:10px}
.icon img{width:100%;height:100%;object-fit:contain}
ul,ol{margin:8px 0 0;padding-left:18px}
.faq details{border-top:1px solid var(--muted);padding:10px 0}
.faq details:first-child{border-top:none}
.faq summary{cursor:pointer;font-weight:900;color:var(--navy)}
footer{border-top:1px solid var(--muted);padding:26px 0;color:#444}
.small{font-size:13px;color:#555}
.breadcrumbs{font-size:13px;margin-top:18px}
.breadcrumbs a{font-weight:700}
.form{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field{display:flex;flex-direction:column;gap:6px}
label{font-weight:800;color:var(--navy);font-size:13px}
input,select,textarea{border:1px solid var(--muted);border-radius:12px;padding:12px 12px;font:inherit;background:#fff}
textarea{min-height:120px;resize:vertical}
.form .full{grid-column:1 / -1}
.helper{font-size:13px;color:#555;margin-top:6px}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr}
  h1{font-size:36px}
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .form{grid-template-columns:1fr}
}