:root{--navy:#0c1b2a;--navy2:#12283c;--gold:#c9a45c;--gold2:#b08d45;--cream:#f7f4ee;--ink:#1f2937;--mut:#5b6675;--line:#e5e0d5}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;font-size:16.5px}
h1,h2,h3,.disp{font-family:'Fraunces',Georgia,serif;font-weight:600;line-height:1.15;color:var(--navy)}
img{max-width:100%}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
/* header */
header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(4,10,18,.35)}
.nav{display:flex;align-items:center;gap:28px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:52px;width:52px}
.brand span{font-family:'Fraunces',serif;color:#fff;font-size:1.3rem;letter-spacing:.04em}
.brand b{color:var(--gold);font-weight:600}
.nav nav{margin-left:auto;display:flex;gap:26px;align-items:center}
.nav nav a{color:#cfd8e3;text-decoration:none;font-size:.95rem;font-weight:500}
.nav nav a:hover,.nav nav a.on{color:var(--gold)}
.callbtn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy)!important;font-weight:700;padding:10px 20px;border-radius:999px;text-decoration:none;white-space:nowrap;font-size:.95rem}
.callbtn:hover{background:var(--gold2)}
.menu-t{display:none;margin-left:auto;background:none;border:1px solid #33465c;color:#fff;border-radius:8px;padding:8px 12px;font-size:1.1rem}
@media(max-width:880px){
  .menu-t{display:block}
  .nav nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy2);flex-direction:column;padding:18px 22px;gap:16px;align-items:flex-start;border-top:1px solid #22374d}
  .nav nav.open{display:flex}
}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#16324b 70%,#1d3f5e 100%);color:#e8edf3;padding:96px 0 110px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(201,164,92,.18),transparent 65%)}
.hero .wrap{position:relative;z-index:1;max-width:820px;text-align:center}
.kick{color:var(--gold);font-weight:700;letter-spacing:.22em;text-transform:uppercase;font-size:.8rem}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.4rem);margin:18px 0}
.hero p{font-size:1.12rem;color:#c3cedb;max-width:640px;margin:0 auto 34px}
.cta{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:15px 34px;border-radius:999px;text-decoration:none;font-size:1.05rem;box-shadow:0 8px 24px rgba(201,164,92,.35)}
.cta:hover{background:var(--gold2)}
.cta.ghost{background:transparent;color:#e8edf3;border:1.5px solid #44586e;box-shadow:none;margin-left:12px}
.cta.ghost:hover{border-color:var(--gold);color:var(--gold)}
/* stats */
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.stat{background:#fff;text-align:center;padding:34px 18px;border-left:1px solid var(--line)}.stat:first-child{border-left:0}@media(max-width:880px){.stat{border-left:0;border-top:1px solid var(--line)}.stat:first-child{border-top:0}}
.stat b{display:block;font-family:'Fraunces',serif;font-size:2.2rem;color:var(--navy)}
.stat span{color:var(--mut);font-size:.95rem}
/* sections */
section.pad{padding:84px 0}
.sec-k{color:var(--gold2);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:.78rem}
section.pad h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin:12px 0 16px}
.lead{color:var(--mut);max-width:660px;font-size:1.05rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:26px;margin-top:44px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 28px}
.card .ic{width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:18px}
.card h3{font-size:1.2rem;margin-bottom:8px}
.card p{color:var(--mut);font-size:.98rem}
/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:26px;margin-top:44px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:56px 26px 28px}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;top:18px;left:24px;font-family:'Fraunces',serif;font-size:1.6rem;color:var(--gold);font-weight:600}
.step h3{font-size:1.08rem;margin-bottom:6px}
.step p{color:var(--mut);font-size:.95rem}
/* band */
.band{background:var(--navy);color:#dfe7f0;text-align:center;padding:76px 0}
.band h2{color:#fff;font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:14px}
.band p{color:#b9c6d4;max-width:560px;margin:0 auto 30px}
/* form */
.split{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:start}
@media(max-width:880px){.split{grid-template-columns:minmax(0,1fr)}}
.cinfo h2{font-size:2rem}
.cline{display:flex;gap:14px;align-items:center;margin-top:22px}
.cline .ic{width:44px;height:44px;border-radius:11px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;flex:none}
.cline a{font-weight:600;color:var(--navy);text-decoration:none}
.cline small{display:block;color:var(--mut)}
form.lead-f{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:0 14px 40px rgba(15,30,48,.08)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.f-row{grid-template-columns:minmax(0,1fr)}}
form.lead-f label{display:block;font-weight:600;font-size:.88rem;color:var(--navy);margin:16px 0 6px}
form.lead-f input,form.lead-f textarea{width:100%;padding:12px 14px;border:1.5px solid #d8d2c4;border-radius:10px;font:inherit;background:#fdfcf9}
form.lead-f input:focus,form.lead-f textarea:focus{outline:none;border-color:var(--gold)}
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.8rem;color:var(--mut)}
.consent input{width:auto;margin-top:3px}
form.lead-f button{margin-top:24px;width:100%;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:15px;font-weight:700;font-size:1.02rem;cursor:pointer}
form.lead-f button:hover{background:#16324b}
.ok-msg{display:none;background:#eef8f0;border:1px solid #bfe3c6;color:#1d6b2f;padding:16px;border-radius:12px;font-weight:600;margin-bottom:12px}
.err-msg{display:none;background:#fdf0ef;border:1px solid #eec3bf;color:#9c3428;padding:16px;border-radius:12px;font-weight:600;margin-bottom:12px}
/* faq */
.faq{max-width:780px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin-top:14px}
.faq summary{font-weight:600;color:var(--navy);cursor:pointer;font-size:1.04rem}
.faq details p{color:var(--mut);margin-top:12px;font-size:.98rem}
/* legal */
.legal{max-width:780px}
.legal h2{font-size:1.25rem;margin:30px 0 8px}
.legal p{color:var(--mut);margin-bottom:12px}
.legal .upd{color:var(--mut);font-size:.9rem;margin-bottom:26px}
/* footer */
footer{background:var(--navy);color:#aebbc9;padding:64px 0 30px;margin-top:0}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:44px}
@media(max-width:760px){.fgrid{grid-template-columns:minmax(0,1fr)}}
footer .brand img{height:44px;width:44px}
footer p{font-size:.93rem;margin-top:14px;max-width:380px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:14px;letter-spacing:.06em;text-transform:uppercase}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:#aebbc9;text-decoration:none;font-size:.95rem}
footer a:hover{color:var(--gold)}
.fbot{border-top:1px solid #22374d;margin-top:44px;padding-top:22px;font-size:.85rem;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}