:root{--navy:#0f2a44;--navy2:#173b5e;--amber:#f2a541;--amber2:#e08e1b;--ink:#1d2733;--muted:#5b6876;--bg:#ffffff;--alt:#f5f2ec;--line:#e4ddd0;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.2;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,4.5vw,3.2rem)}h2{font-size:clamp(1.6rem,3vw,2.3rem)}h3{font-size:1.2rem}
a{color:var(--navy2)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.notice{background:var(--navy);color:#dfe7ef;font-size:.82rem;text-align:center;padding:8px 16px}.notice a{color:var(--amber)}
.site-header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:Fraunces,serif;font-size:1.4rem;color:var(--navy)}.brand b{color:var(--amber2)}
.brand.light{color:#fff}
.links{display:flex;gap:26px;align-items:center}.links a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}.links a:hover{color:var(--amber2)}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}
.btn{display:inline-block;background:var(--amber);color:var(--navy)!important;font-weight:700;text-decoration:none;padding:13px 26px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;transition:.2s}
.btn:hover{background:var(--amber2);transform:translateY(-1px)}
.btn-small{padding:9px 18px;font-size:.9rem}.btn-block{width:100%}
.btn-ghost{background:transparent;border:2px solid var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff!important}
.btn-light{background:#fff}
.hero{background:linear-gradient(160deg,#fbf7f0 0%,#eef3f8 100%);padding:70px 0 80px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--amber2);margin:0 0 12px}
.lead{font-size:1.12rem;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:22px 0}.ticks li{padding-left:30px;position:relative;margin:8px 0;font-weight:500}
.ticks li:before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--navy);color:var(--amber);font-size:.75rem;display:grid;place-items:center}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 10px 30px rgba(15,42,68,.07)}
.form h2{font-size:1.5rem}.muted{color:var(--muted)}
.form label{display:block;font-size:.85rem;font-weight:600;margin:12px 0 0;color:var(--navy)}
.form input:not([type=checkbox]),.form select{width:100%;margin-top:5px;padding:11px 12px;border:1px solid #cfd6de;border-radius:9px;font:inherit;font-size:.95rem;background:#fff}
.form input:focus,.form select:focus{outline:2px solid var(--amber);border-color:transparent}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form .check{display:flex;gap:8px;font-weight:400;font-size:.8rem;color:var(--muted);margin:16px 0}
.hp{position:absolute;left:-9999px}
.section{padding:84px 0}.alt{background:var(--alt)}
.center{text-align:center}.sub{max-width:640px;margin:0 auto 40px;color:var(--muted)}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:0}
.steps li{background:#fff;border-radius:var(--r);padding:26px;border:1px solid var(--line);position:relative}
.steps span{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--navy);color:var(--amber);font-weight:700;margin-bottom:14px}
.steps p,.timeline p,.svc p{color:var(--muted);margin:0}
.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:40px 0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.timeline>div{padding:28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.timeline b{font-family:Fraunces,serif;font-size:2rem;color:var(--amber2)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:36px}
.icon{width:52px;height:52px;border-radius:14px;background:#fdf0dc;color:var(--amber2);display:grid;place-items:center;font-size:1.5rem;font-weight:700;margin-bottom:16px}
.about{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:start}
.rights{background:var(--navy);color:#dbe5ee;border:0}.rights h3{color:#fff}.rights .muted{color:#b5c4d2}
.rights ul{padding-left:18px}.rights li{margin:8px 0}.tiny{font-size:.78rem;color:#9fb1c2}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:12px 0}
summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none}summary::-webkit-details-marker{display:none}
summary:after{content:"+";float:right;color:var(--amber2);font-size:1.3rem;line-height:1}details[open] summary:after{content:"–"}
details p{color:var(--muted);margin:12px 0 0}
.cta-band{background:var(--navy);padding:70px 0}.cta-inner{text-align:center;color:#cfdbe6}.cta-inner h2{color:#fff}
.site-footer{background:#0a1d30;color:#a9b8c6;padding:56px 0 24px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.site-footer h4{color:#fff;margin:0 0 12px}
.site-footer a{color:#cfdbe6;display:block;text-decoration:none;margin:6px 0}.site-footer a:hover{color:var(--amber)}
.disclaimer{border-top:1px solid #1f3650;margin-top:36px;padding-top:24px;font-size:.8rem}.copy{margin-top:12px}
.page{padding:60px 0 80px}.page h2{margin-top:1.6em;font-size:1.4rem}
@media(max-width:900px){
 .hero-grid,.about{grid-template-columns:1fr}.steps,.timeline,.cards{grid-template-columns:1fr 1fr}
 .menu-btn{display:block}.links{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;border-bottom:1px solid var(--line);gap:16px}
 .menu-open .links{display:flex}
}
@media(max-width:600px){.steps,.timeline,.cards,.foot-grid,.row2{grid-template-columns:1fr}.section{padding:60px 0}.hero{padding:44px 0 56px}.card{padding:22px}}