:root{--navy:#0b1b3a;--navy2:#13264f;--ink:#1c2740;--muted:#5b6678;--gold:#b8892f;--gold2:#e2bd6b;--bg:#faf8f4;--card:#fff;--line:#e8e2d4;--ok:#1f7a4d}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Fraunces,Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);font-weight:700}h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:600;margin-top:0}h3{font-size:1.2rem;font-weight:600}
a{color:var(--navy2);text-decoration-color:var(--gold2);text-underline-offset:3px}a:hover{color:var(--gold)}
p{margin:0 0 1em}.wrap{max-width:1120px;margin:0 auto;padding:0 22px}.narrow{max-width:820px}
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{font-family:Fraunces,Georgia,serif;font-weight:700;font-size:1.35rem;color:var(--navy);text-decoration:none}.logo b{color:var(--gold)}
nav.main{display:flex;gap:26px;align-items:center;font-size:.95rem;font-weight:500}nav.main a{color:var(--ink);text-decoration:none}nav.main a:hover{color:var(--gold)}
details.dd{position:relative}details.dd summary{cursor:pointer;list-style:none;font-weight:500}details.dd summary::-webkit-details-marker{display:none}details.dd summary:after{content:" \25BE";color:var(--gold)}
.dd .menu{position:absolute;top:34px;left:-20px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(11,27,58,.14);padding:12px;display:grid;grid-template-columns:1fr 1fr;gap:2px;width:520px}
.dd .menu a{padding:8px 12px;border-radius:8px;font-size:.92rem}.dd .menu a:hover{background:var(--bg)}
.btn{display:inline-block;padding:13px 24px;border-radius:999px;font-weight:600;text-decoration:none;font-size:1rem;transition:.2s}
.btn.gold{background:var(--gold);color:#fff}.btn.gold:hover{background:#9c7324;color:#fff}.btn.line{border:1.5px solid rgba(255,255,255,.55);color:#fff}.btn.line:hover{background:rgba(255,255,255,.12);color:#fff}
.btn.sm{padding:9px 18px;font-size:.9rem}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#e7ecf7;padding:64px 0 72px}
.hero h1{color:#fff}.hero p.lead{font-size:1.15rem;max-width:760px;color:#cdd7ee}.crumbs{font-size:.85rem;color:#9fb0d3;margin-bottom:18px}.crumbs a{color:#cdd7ee}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.answer{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:14px;padding:22px 26px;margin:-38px auto 0;position:relative;box-shadow:0 14px 34px rgba(11,27,58,.08)}
.answer h2{font-size:1.05rem;font-family:Inter,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);margin-bottom:.4em}.answer p{margin:0;font-size:1.05rem}
section.blk{padding:56px 0}.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{margin-bottom:.4em}ul.ticks{list-style:none;padding:0;margin:0 0 1em}ul.ticks li{padding-left:30px;position:relative;margin-bottom:.55em}ul.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--ok);font-weight:700}
ol.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}ol.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px 18px 66px;position:relative}
ol.steps li:before{content:counter(s);position:absolute;left:18px;top:16px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}ol.steps li b{display:block;color:var(--navy)}
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px}details.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}details.faq p{margin:.7em 0 0}
.band{background:var(--navy);color:#dbe3f5;border-radius:20px;padding:40px;text-align:center}.band h2{color:#fff}.band .btn{margin:6px}
.meta{font-size:.85rem;color:var(--muted)}.note{background:#fff7e3;border:1px solid #f0dca4;border-radius:12px;padding:14px 18px;font-size:.92rem}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chips a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:.92rem;text-decoration:none}.chips a:hover{border-color:var(--gold)}
footer.foot{background:#08142b;color:#a9b6d3;padding:56px 0 30px;margin-top:40px;font-size:.93rem}footer.foot h4{color:#fff;font-family:Inter,sans-serif;margin:0 0 12px;font-size:.95rem}
footer.foot a{color:#a9b6d3;text-decoration:none;display:block;padding:3px 0}footer.foot a:hover{color:var(--gold2)}.fg{display:grid;gap:28px;grid-template-columns:2fr 1.2fr 1.2fr 1.2fr}
.copy{border-top:1px solid #1c2b4d;margin-top:30px;padding-top:18px;font-size:.82rem}
.wa{position:fixed;right:18px;bottom:18px;z-index:60;background:#25d366;color:#fff;padding:13px 20px;border-radius:999px;font-weight:600;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}.wa:hover{color:#fff;background:#1fb858}
@media(max-width:860px){nav.main>a.hide,.dd .menu{display:none}.dd[open] .menu{display:grid;grid-template-columns:1fr;position:fixed;left:14px;right:14px;top:74px;width:auto}.fg{grid-template-columns:1fr 1fr}.hero{padding:44px 0 56px}.band{padding:28px 20px}}
@media(max-width:520px){.fg{grid-template-columns:1fr}body{font-size:16px}}