:root{--navy:#0B2545;--navy2:#081A36;--gold:#F5B400;--gold-d:#B8862B;--ink:#131B2B;--mute:#56617A;--line:#E3E8F0;--bg:#F7F9FC}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-text-size-adjust:100%}
a{color:var(--navy);text-underline-offset:3px}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header.site{position:sticky;top:0;z-index:20;background:rgba(11,37,69,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(245,180,0,.25)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand img{width:42px;height:42px;border-radius:50%;display:block}
.brand b{font-size:15px;letter-spacing:.14em;font-weight:700;line-height:1.1}
.brand small{display:block;font-size:10px;letter-spacing:.28em;color:var(--gold);font-weight:600;margin-top:2px}
nav.main{display:flex;align-items:center;gap:6px}
nav.main a.l{color:#cbd5e1;text-decoration:none;font-size:14px;padding:8px 10px;border-radius:8px;font-weight:500}
nav.main a.l:hover{color:#fff;background:rgba(255,255,255,.08)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:11px 20px;border-radius:10px;font-size:15px;border:0}
.btn:hover{background:#ffc61f}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.btn.ghost:hover{background:rgba(255,255,255,.08)}
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);color:#e6ecf5;padding:56px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(245,180,0,.13),rgba(245,180,0,0) 65%);pointer-events:none}
.hero .grid{display:grid;grid-template-columns:1.4fr .6fr;gap:40px;align-items:center;position:relative;z-index:1}
.eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:700;margin:0 0 14px}
h1{font-size:clamp(28px,5vw,44px);line-height:1.15;margin:0 0 16px;color:#fff;font-weight:800;letter-spacing:-.01em}
.hero p.lead{font-size:clamp(16px,2.2vw,19px);color:#cbd5e1;max-width:620px;margin:0 0 26px}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px}
.hero .badge{justify-self:center}
.hero .badge img{width:min(240px,60vw);height:auto;border-radius:50%;box-shadow:0 0 0 8px rgba(245,180,0,.08),0 24px 60px rgba(0,0,0,.35)}
section.s{padding:56px 0}
section.s.alt{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(22px,3.4vw,30px);line-height:1.25;margin:0 0 8px;color:var(--navy);font-weight:800;letter-spacing:-.005em}
h2::after{content:"";display:block;width:44px;height:3px;background:var(--gold);margin:12px 0 0;border-radius:2px}
.sub{color:var(--mute);margin:14px 0 28px;max-width:680px}
h3{font-size:17px;margin:0 0 6px;color:var(--navy);font-weight:700}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 1px 2px rgba(11,37,69,.04)}
.card p{margin:0;color:var(--mute);font-size:15px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;padding:0;margin:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 22px 22px 70px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:20px;top:20px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;display:flex;align-items:center;justify-content:center}
.steps li p{margin:0;color:var(--mute);font-size:15px}
.prose{max-width:760px}.prose p{margin:0 0 14px}
.prose ul{padding-left:20px;margin:0 0 14px}.prose li{margin:6px 0}
table.facts{width:100%;border-collapse:collapse;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
table.facts th,table.facts td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.facts th{background:var(--navy);color:#fff;font-weight:600;font-size:13px;letter-spacing:.04em}
table.facts tr:last-child td{border-bottom:0}
.faq dt{font-weight:700;color:var(--navy);margin-top:22px;font-size:17px}
.faq dd{margin:6px 0 0;color:#2b3550;max-width:760px}
.links{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px}
.links a{border:1px solid var(--line);background:#fff;padding:10px 16px;border-radius:999px;text-decoration:none;font-weight:600;font-size:14px;color:var(--navy)}
.links a:hover{border-color:var(--gold-d)}
.band{background:var(--navy);color:#e6ecf5;text-align:center;padding:52px 0}
.band h2{color:#fff}.band h2::after{margin-left:auto;margin-right:auto}
.band p{color:#cbd5e1;margin:14px auto 24px;max-width:560px}
footer.site{background:var(--navy2);color:#9fb0c9;padding:36px 0;font-size:14px}
footer.site .wrap{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:flex-start}
footer.site a{color:#cbd5e1;text-decoration:none;margin-right:16px}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site .fb{display:flex;align-items:center;gap:12px;color:#fff;font-weight:700;letter-spacing:.12em}
footer.site .fb img{width:36px;height:36px;border-radius:50%}
.crumbs{font-size:13px;color:#9fb0c9;margin:0 0 18px}.crumbs a{color:#cbd5e1}
@media(max-width:760px){.hero .grid{grid-template-columns:1fr}.hero .badge{order:-1;justify-self:start}.hero .badge img{width:96px}nav.main a.l{display:none}.hero{padding:36px 0 44px}section.s{padding:40px 0}}
@media(prefers-reduced-motion:no-preference){.btn{transition:background .15s}}