:root{--navy:#16233d;--gold:#c7a24b;--bg:#f7f5f0;--muted:#5d6878;--line:#e7e1d6;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;color:#243042;background:#fff;line-height:1.7}
a{text-decoration:none;color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.topbar{background:var(--navy);color:#8fa0bb;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;padding:8px 24px;flex-wrap:wrap;gap:8px}
.nav{position:sticky;top:0;z-index:99;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 8px rgba(0,0,0,.06)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;gap:16px}
.brand{font-weight:800;font-size:18px;color:var(--navy);line-height:1.2}
.brand small{display:block;font-size:11px;font-weight:600;color:var(--gold);letter-spacing:.1em;text-transform:uppercase}
.menu{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.menu a{font-size:14px;color:var(--muted);font-weight:500;transition:color .15s}
.menu a:hover{color:var(--navy)}
.btn{background:var(--gold);color:var(--navy)!important;padding:10px 18px;border-radius:8px;font-weight:700;font-size:14px}
.btn:hover{opacity:.9}
.hero{background:linear-gradient(135deg,#16233d 0%,#243a63 100%);color:#fff;padding:72px 0 56px}
.eyebrow{display:inline-block;background:rgba(199,162,75,.15);color:#f4d58e;border:1px solid rgba(199,162,75,.4);padding:5px 12px;border-radius:999px;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px}
.hero h1{font-size:clamp(32px,5vw,56px);line-height:1.08;margin-bottom:16px;max-width:820px}
.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:32px;align-items:start}
.hero p.sub{color:#b0c4de;font-size:18px;max-width:600px;margin-bottom:28px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:28px}
.btn-hero{background:var(--gold);color:var(--navy);padding:14px 24px;border-radius:10px;font-weight:700;font-size:16px;display:inline-block}
.btn-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.4);color:#fff;padding:14px 24px;border-radius:10px;font-weight:600;font-size:16px;display:inline-block}
.btn-ghost:hover{border-color:#fff}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);border-radius:16px;padding:24px;backdrop-filter:blur(6px)}
.hero-card h3{color:#fff;font-size:18px;margin-bottom:14px}
.hero-card ul{list-style:none;padding:0}
.hero-card li{padding:9px 0;border-top:1px solid rgba(255,255,255,.1);font-size:14px;color:#b0c4de;display:flex;gap:8px}
.hero-card li::before{content:"→";color:var(--gold);flex-shrink:0}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.pills a{padding:8px 14px;border:1px solid rgba(255,255,255,.25);border-radius:999px;color:#dbe4f3;font-size:13px;font-weight:500;transition:all .15s}
.pills a:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.5)}
.trust{background:var(--bg);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding:0}
.trust-item{padding:20px 24px;border-right:1px solid var(--line);text-align:center}
.trust-item:last-child{border-right:none}
.trust-item strong{display:block;color:var(--navy);font-size:17px;margin-bottom:3px}
.trust-item span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
.section{padding:64px 0}
.section.bg{background:var(--bg)}
.kicker{color:var(--gold);font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.section h2{font-size:clamp(26px,3.5vw,38px);line-height:1.15;color:var(--navy);margin-bottom:12px}
.lead{color:var(--muted);font-size:17px;max-width:680px;margin-bottom:32px;line-height:1.7}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;transition:box-shadow .15s,border-color .15s}
.card:hover{box-shadow:0 4px 20px rgba(0,0,0,.07);border-color:#c9a84c55}
.card .icon{font-size:26px;margin-bottom:12px}
.card h3{font-size:17px;color:var(--navy);margin-bottom:8px}
.card p{font-size:14px;color:var(--muted);line-height:1.6}
.card ul{padding-left:16px;margin-top:10px;color:var(--muted);font-size:14px}
.card li{margin:6px 0}
.card a{color:var(--navy);font-weight:600}
.card a:hover{color:var(--gold)}
.faq-list details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px}
.faq-list summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:16px;list-style:none;display:flex;justify-content:space-between}
.faq-list summary::after{content:"+";color:var(--gold);font-size:20px;font-weight:400}
.faq-list details[open] summary::after{content:"−"}
.faq-list p{margin-top:12px;color:var(--muted);font-size:15px;line-height:1.7}
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:32px;align-items:start}
.info-row{padding:10px 0;border-bottom:1px solid var(--line);font-size:15px;color:var(--muted)}
.info-row a{color:var(--gold);font-weight:600}
.field{margin-bottom:14px}
.field label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid #d0d8e4;border-radius:8px;font:inherit;font-size:15px;color:#243042;background:#fafbfc;transition:border-color .15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background:#fff}
.field textarea{min-height:130px;resize:vertical}
.submit{width:100%;background:var(--navy);color:#fff;border:none;padding:14px;border-radius:10px;font-size:16px;font-weight:700;cursor:pointer;transition:background .15s}
.submit:hover{background:#243a63}
.search-queries { background:var(--bg); border:1px solid var(--line); border-radius:16px; padding:24px; }
.search-queries h3 { font-size:16px; color:var(--navy); margin-bottom:16px; }
.sq-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(220px,1fr)); gap:10px; }
.sq-item { background:#fff; border:1px solid var(--line); border-radius:8px; padding:10px 14px; font-size:13px; color:var(--muted); }
.note{font-size:12px;color:var(--muted);margin-top:8px;text-align:center}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:20px}
.breadcrumb a{color:var(--gold);font-weight:600}
.breadcrumb a:hover{text-decoration:underline}
.article-hero{background:linear-gradient(135deg,#16233d,#243a63);color:#fff;padding:56px 0 44px}
.article-hero h1{font-size:clamp(28px,4vw,46px);line-height:1.1;max-width:800px;margin-bottom:14px}
.article-hero .sub{color:#b0c4de;font-size:17px;max-width:640px}
.article-body{padding:48px 0}
.article-body .grid-2{align-items:start}
.callout{background:#eef7fb;border:1px solid #bee3f0;color:#0b4f62;padding:18px 20px;border-radius:12px;font-size:15px;margin-top:24px;line-height:1.7}
.cta-banner{background:linear-gradient(135deg,#16233d,#1f3460);border-radius:20px;padding:36px;color:#fff;border:1px solid rgba(255,255,255,.08)}
.cta-banner h2{color:#fff;margin-bottom:10px}
.cta-banner p{color:#b0c4de;margin-bottom:22px;font-size:16px}
.footer{background:var(--navy);color:#8fa0bb;padding:36px 0}
.footer-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:24px;align-items:start}
.footer strong{color:#fff}
.footer a{color:#f4d58e}
.mini{font-size:13px;color:#8fa0bb;line-height:1.8}
@media(max-width:900px){.hero-grid,.grid-4,.contact-grid,.footer-grid{grid-template-columns:1fr}.menu{display:none}.trust .wrap{grid-template-columns:1fr 1fr}.trust-item{border-right:none;border-bottom:1px solid var(--line)}}
@media(max-width:600px){.grid-2{grid-template-columns:1fr}.trust .wrap{grid-template-columns:1fr}.hero{padding:48px 0 36px}}