:root{--navy:#061d49;--navy2:#0b2b5f;--gold:#d5a63a;--sand:#f3eee4;--ink:#172033;--muted:#667085;--line:#e6e2da;--white:#fff;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Aptos,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.58}a{color:inherit}img{display:block;max-width:100%;height:auto}.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}header{position:sticky;top:0;z-index:20;background:rgba(6,29,73,.97);border-bottom:1px solid rgba(255,255,255,.12)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{width:255px;max-width:56vw}.nav-links{display:flex;align-items:center;gap:18px}.nav-links a{color:#fff;text-decoration:none;font-weight:700}.nav-links .cta{color:var(--navy);background:var(--gold);padding:11px 18px;border-radius:999px}.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:76px 0 66px}.hero-grid,.split,.quote-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:52px;align-items:center}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.82rem}.hero h1,h2,h3{line-height:1.12;margin:0 0 18px}.hero h1{font-size:clamp(2.65rem,5vw,5rem);letter-spacing:-.045em}.hero p{font-size:1.14rem;color:#e6ebf4;max-width:720px}.button{display:inline-block;margin-top:18px;text-decoration:none;background:var(--gold);color:var(--navy);font-weight:800;padding:14px 22px;border-radius:999px}.button.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.5);margin-left:10px}.hero-card{background:#fff;color:var(--ink);border-radius:22px;padding:30px;box-shadow:0 28px 70px rgba(0,0,0,.25)}.hero-card h2{color:var(--navy);font-size:1.55rem}.hero-card ul{margin:0;padding-left:20px}.trust{background:var(--sand);border-bottom:1px solid var(--line);padding:22px 0}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.trust strong{display:block;color:var(--navy)}.trust span{color:var(--muted);font-size:.93rem}section{padding:82px 0}.intro{max-width:820px;margin-bottom:38px}.intro h2,h2{font-size:clamp(2rem,3.4vw,3.35rem);letter-spacing:-.035em;color:var(--navy)}.intro p,.muted{color:var(--muted);font-size:1.05rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:18px;padding:25px;background:#fff}.card h3{color:var(--navy);font-size:1.2rem}.card p{color:var(--muted);margin-bottom:0}.dark{background:var(--navy);color:#fff}.dark h2,.dark h3{color:#fff}.dark p{color:#dce4ef}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{border:1px solid var(--line);border-radius:18px;padding:24px}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;margin-bottom:17px}.checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;padding:0;list-style:none}.checklist li{padding:14px 16px;border-radius:12px;background:var(--sand);color:var(--navy);font-weight:650}.notice{border-left:5px solid var(--gold);background:#fbf8f0;padding:20px 22px;border-radius:0 14px 14px 0}.faq{max-width:900px}details{border-top:1px solid var(--line);padding:20px 0}details:last-child{border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:750;color:var(--navy);font-size:1.04rem}details p{color:var(--muted);max-width:790px}.quote{background:var(--sand)}form{background:#fff;border:1px solid var(--line);padding:28px;border-radius:20px;box-shadow:0 16px 45px rgba(6,29,73,.08)}label{display:block;font-weight:700;font-size:.9rem;margin:13px 0 6px}input,textarea,select{width:100%;border:1px solid #cfcbc3;border-radius:10px;padding:12px 13px;font:inherit;background:#fff}textarea{min-height:112px;resize:vertical}button{border:0;cursor:pointer;width:100%;margin-top:16px;background:var(--gold);color:var(--navy);font-weight:800;padding:14px;border-radius:999px;font:inherit}.privacy-check{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-weight:400;font-size:.86rem;color:var(--muted)}.privacy-check input{width:auto;margin-top:4px}.form-note{font-size:.82rem;color:var(--muted)}footer{background:#041634;color:#c9d2e1;padding:36px 0}.foot{display:flex;justify-content:space-between;gap:24px;align-items:center}.foot a{color:#fff}.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:1000;display:none;max-width:920px;margin:auto;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:18px;box-shadow:0 20px 60px rgba(6,29,73,.22);padding:20px}.cookie-banner.is-visible{display:block}.cookie-inner{display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center}.cookie-banner h2{font-size:1.15rem;letter-spacing:0;margin:0 0 6px}.cookie-banner p{margin:0;color:var(--muted);font-size:.9rem}.cookie-actions{display:flex;gap:10px}.cookie-actions button{width:auto;margin:0;padding:10px 16px}.cookie-actions .reject{background:#fff;border:1px solid #b8c0cc}.cookie-settings{background:none;border:0;color:#fff;text-decoration:underline;padding:0;margin:0;width:auto}.small{font-size:.9rem}.source-links a{font-weight:700;color:var(--navy)}@media(max-width:900px){.hero-grid,.split,.quote-grid{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr 1fr}}@media(max-width:640px){.wrap{width:min(calc(100% - 28px),var(--max))}.nav{min-height:68px}.nav-links>a:not(.cta){display:none}.nav-links .cta{padding:9px 13px}.hero{padding:54px 0}.button.secondary{margin-left:0;display:table}.trust-grid,.cards,.steps,.checklist{grid-template-columns:1fr}section{padding:62px 0}.foot{display:block}.cookie-inner{grid-template-columns:1fr}.cookie-actions{display:grid;grid-template-columns:1fr 1fr}.cookie-actions button{width:100%}}