:root{--navy:#0f2a4a;--navy-2:#16385f;--amber:#f2a93b;--ink:#1c2430;--muted:#5b6675;--line:#e3e7ee;--bg:#ffffff;--soft:#f5f7fa;--radius:14px;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy-2)}img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:20px;letter-spacing:-.2px}
.brand img{width:36px;height:36px}.brand span small{font-weight:600;color:var(--muted);font-size:14px;margin-left:4px}
nav.main{display:flex;gap:22px;flex-wrap:wrap}nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}nav.main a:hover,nav.main a[aria-current]{color:var(--navy-2);text-decoration:underline;text-underline-offset:6px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-weight:700;color:var(--navy)}
@media(max-width:760px){.menu-btn{display:block}nav.main{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:12px 20px;gap:12px}nav.main.open{display:flex}}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:88px 0 80px}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.1;margin:0 0 18px;letter-spacing:-.8px;max-width:780px}
.hero p{font-size:clamp(17px,2vw,20px);color:#dbe5f1;max-width:680px;margin:0 0 30px}
.btn{display:inline-block;padding:14px 22px;border-radius:12px;font-weight:700;text-decoration:none}
.btn.primary{background:var(--amber);color:#1b1300}.btn.ghost{border:1.5px solid rgba(255,255,255,.55);color:#fff;margin-left:10px}
section{padding:72px 0}section.soft{background:var(--soft)}
h2{font-size:clamp(26px,3.4vw,36px);margin:0 0 12px;color:var(--navy);letter-spacing:-.4px}
.lead{color:var(--muted);max-width:720px;margin:0 0 36px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h3{margin:10px 0 8px;color:var(--navy);font-size:20px}.card p{margin:0;color:var(--muted)}
.icon{width:44px;height:44px;border-radius:12px;background:#fff4e0;display:grid;place-items:center;font-size:22px}
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps div{counter-increment:s;padding:22px;border-left:3px solid var(--amber);background:#fff;border-radius:0 var(--radius) var(--radius) 0}
.steps div::before{content:counter(s,decimal-leading-zero);font-weight:800;color:var(--amber);display:block;margin-bottom:6px}
.steps h3{margin:0 0 6px;font-size:18px;color:var(--navy)}.steps p{margin:0;color:var(--muted)}
.facts{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.facts div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}.facts b{display:block;color:var(--navy);font-size:14px;text-transform:uppercase;letter-spacing:.6px}
.page-head{background:var(--soft);border-bottom:1px solid var(--line);padding:56px 0 36px}.page-head h1{margin:0 0 6px;color:var(--navy);font-size:clamp(30px,4vw,42px)}.page-head p{margin:0;color:var(--muted)}
.prose{max-width:800px;padding:48px 20px 72px}.prose h2{font-size:24px;margin:38px 0 10px}.prose h3{font-size:19px;color:var(--navy);margin:24px 0 6px}.prose li{margin:6px 0}
.prose table{border-collapse:collapse;width:100%;margin:12px 0}.prose th,.prose td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}.prose th{background:var(--soft)}
.contact-box{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin:24px 0}
footer.site{background:#0b1f37;color:#c9d5e3;padding:56px 0 28px;font-size:15px}
footer.site .cols{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{color:#fff;margin:0 0 12px;font-size:15px;text-transform:uppercase;letter-spacing:.8px}
footer.site a{color:#c9d5e3;text-decoration:none}footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:7px 0}
footer.site address{font-style:normal;line-height:1.75}
.legal-line{border-top:1px solid #20395a;margin-top:36px;padding-top:20px;display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;color:#8fa3bb;font-size:14px}
.eyebrow{text-transform:uppercase;letter-spacing:1.2px;font-size:13px;font-weight:700;color:var(--amber);margin:0 0 12px}.eyebrow.dark{color:#b9781a}
.band{padding:0;background:#0b1f37;color:#fff}.band-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.band-row div{padding:22px 16px;border-left:1px solid #20395a}.band-row div:first-child{border-left:0}.band-row b{display:block;font-size:20px}.band-row span{color:#9fb3ca;font-size:14px}
@media(max-width:760px){.band-row{grid-template-columns:1fr 1fr}.band-row div{border-left:0;border-top:1px solid #20395a}}
.grid.two{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}.card.big{padding:32px}.card.big p{margin-bottom:14px}
.ticks{list-style:none;padding:0;margin:0 0 18px}.ticks li{padding-left:26px;position:relative;margin:7px 0;color:var(--ink)}.ticks li::before{content:"\2713";position:absolute;left:0;color:#1f8a4c;font-weight:800}
.btn.dark{background:var(--navy);color:#fff}
.founder{display:grid;grid-template-columns:320px 1fr;gap:44px;align-items:center}.founder img{width:100%;height:auto;border-radius:18px;box-shadow:0 12px 30px rgba(15,42,74,.18);aspect-ratio:1/1;object-fit:cover}.founder.no-img{grid-template-columns:1fr}.founder p{color:var(--muted)}
@media(max-width:760px){.founder{grid-template-columns:1fr}.founder img{max-width:260px}}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 0 12px}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}.faq details p{color:var(--muted);margin:10px 0 0}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;text-align:center}.cta h2{color:#fff}.cta p{color:#dbe5f1;margin:0 0 22px}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);box-shadow:0 10px 30px rgba(15,42,74,.18);border-radius:14px;padding:16px 18px;display:none;z-index:50;font-size:15px}
.cookie.show{display:block}.cookie p{margin:0 0 12px}.cookie button{border:0;border-radius:10px;padding:10px 16px;font-weight:700;cursor:pointer;margin-right:8px}
.cookie .ok{background:var(--navy);color:#fff}.cookie .no{background:var(--soft);color:var(--ink)}