:root{
  --navy:#0D1B3D;
  --navy-2:#14264e;
  --champagne:#DCC7B5;
  --gold:#C99A43;
  --ivory:#F7F3EF;
  --cream:#FFFDFC;
  --ink:#14203a;
  --muted:#5e687a;
  --line:#eadfd5;
  --white:#ffffff;
  --shadow:0 18px 50px rgba(13,27,61,.12);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.9rem;padding:8px 0;text-align:center}
header{position:sticky;top:0;z-index:50;background:rgba(255,253,252,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.brand img{width:170px;height:64px;object-fit:contain}
.navlinks{display:flex;align-items:center;gap:28px;font-weight:700;font-size:.95rem}
.navlinks a:hover,.navlinks a.active{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--navy);color:white;padding:15px 23px;border-radius:10px;font-weight:800;border:1px solid var(--navy);transition:.25s}
.btn:hover{transform:translateY(-2px);background:var(--navy-2)}
.btn.light{background:white;color:var(--navy);border-color:var(--line)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.menu-btn{display:none;border:0;background:none;font-size:1.6rem;color:var(--navy)}
.hero{background:linear-gradient(100deg,var(--ivory) 0%,#fff 53%,#fff 100%);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;min-height:620px;align-items:stretch}
.hero-copy{padding:85px 48px 70px 0;display:flex;flex-direction:column;justify-content:center}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;color:var(--gold);font-weight:900;font-size:.78rem}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.08;margin-top:0}
h1{font-size:clamp(3rem,6vw,5.5rem);margin-bottom:22px}
h2{font-size:clamp(2.1rem,4vw,3.8rem);margin-bottom:18px}
h3{font-size:1.45rem}
.gold-text{color:var(--gold)}
.lead{font-size:1.18rem;color:var(--muted);max-width:650px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}
.micro{display:flex;gap:16px;flex-wrap:wrap;color:var(--navy);font-size:.92rem;font-weight:700}
.hero-media{position:relative;min-height:620px}
.hero-media img{width:100%;height:100%;object-fit:cover}
.hero-card{position:absolute;left:-65px;top:50%;transform:translateY(-50%);background:rgba(255,255,255,.96);padding:28px;border-radius:18px;box-shadow:var(--shadow);width:210px;text-align:center;border:1px solid var(--line)}
.hero-card .icon{font-size:2.5rem;color:var(--gold)}
.trust-strip{background:white;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:36px 28px;text-align:center;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:0}
.trust-icon{font-size:2rem;color:var(--gold);margin-bottom:10px}
.section{padding:92px 0}
.section.alt{background:var(--ivory)}
.section.dark{background:var(--navy);color:white}
.section.dark h2,.section.dark h3{color:white}
.section-head{text-align:center;max-width:780px;margin:0 auto 52px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:0 10px 30px rgba(13,27,61,.06)}
.card .card-icon{font-size:2.2rem;color:var(--gold)}
.card p{color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;position:relative}
.step{text-align:center;padding:10px}
.step-num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900;margin:0 auto 14px}
.step-icon{width:76px;height:76px;border-radius:50%;background:var(--ivory);display:grid;place-items:center;margin:0 auto 18px;font-size:2rem;color:var(--gold);border:1px solid var(--line)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow);height:520px;width:100%;object-fit:cover}
.checklist{display:grid;gap:14px;margin:28px 0}
.check{display:flex;gap:12px;align-items:flex-start}
.check b{color:var(--navy)}
.cta-band{background:linear-gradient(135deg,var(--navy),#1a315e);color:white;padding:60px 0}
.cta-flex{display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta-band h2{color:white;margin-bottom:8px}
.faq{max-width:900px;margin:auto}
.faq-item{background:white;border:1px solid var(--line);border-radius:14px;margin-bottom:14px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:white;border:0;padding:20px 24px;font-size:1rem;font-weight:800;color:var(--navy);display:flex;justify-content:space-between;cursor:pointer}
.faq-a{display:none;padding:0 24px 22px;color:var(--muted)}
.faq-item.open .faq-a{display:block}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{font-weight:800;font-size:.9rem;color:var(--navy)}
input,select,textarea{width:100%;padding:14px 15px;border:1px solid #d8d0c9;border-radius:10px;background:white;font:inherit;margin-top:7px}
textarea{min-height:150px;resize:vertical}
.full{grid-column:1/-1}
.notice{padding:14px 16px;background:#fff7e8;border:1px solid #edd8ae;border-radius:10px;color:#705421;font-size:.9rem}
.portal-box{max-width:760px;margin:auto;text-align:center;background:white;padding:58px;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--line)}
footer{background:var(--ivory);border-top:1px solid var(--line)}
.footer-grid{display:grid;grid-template-columns:1.25fr .8fr 1fr 1.1fr;gap:40px;padding:58px 0}
.footer-logo{width:170px;margin-bottom:16px}
.footer-list{display:grid;gap:8px;color:var(--muted)}
.socials{display:flex;gap:12px;margin-top:18px}
.social{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-weight:900}
.legal{background:var(--navy);color:white;padding:18px 0;font-size:.87rem}
.legal-flex{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.page-hero{padding:86px 0;background:linear-gradient(135deg,var(--ivory),white);text-align:center}
.page-hero p{max-width:700px;margin:auto;color:var(--muted)}
.badge{display:inline-block;background:#fff5e4;color:#8a5f16;border:1px solid #edd8ae;padding:7px 12px;border-radius:999px;font-weight:800;font-size:.8rem}
@media(max-width:950px){
  .navlinks{position:fixed;left:0;right:0;top:88px;background:white;display:none;flex-direction:column;padding:28px;border-bottom:1px solid var(--line)}
  .navlinks.open{display:flex}
  .menu-btn{display:block}
  .nav>.btn{display:none}
  .hero-grid,.split{grid-template-columns:1fr}
  .hero-copy{padding:70px 0 45px}
  .hero-media{min-height:470px}
  .hero-card{left:22px;bottom:22px;top:auto;transform:none}
  .trust-grid{grid-template-columns:1fr 1fr}
  .trust-item:nth-child(2){border-right:0}
  .grid-3{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .container{width:min(100% - 28px,1180px)}
  .topbar{font-size:.78rem}
  .brand img{width:140px}
  .hero-media{min-height:390px}
  .hero-card{width:180px;padding:20px}
  .trust-grid,.steps,.footer-grid,.form-grid{grid-template-columns:1fr}
  .trust-item{border-right:0;border-bottom:1px solid var(--line)}
  .cta-flex{align-items:flex-start;flex-direction:column}
  .section{padding:68px 0}
  .full{grid-column:auto}
}