:root{--navy:#24254A;--navy-2:#1A1B36;--navy-3:#3B3D6E;--gold:#D9A12B;--gold-2:#F2C53D;--gold-d:#A8741A;--cream:#F7F3E8;--ink:#23244A;--muted:#5B5C7E;--line:#E6DFCC;--white:#fff}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}.serif{font-family:'Lora',Georgia,serif}.gold-t{background:linear-gradient(100deg,var(--gold-d),var(--gold) 55%,#B8801E);-webkit-background-clip:text;background-clip:text;color:transparent}.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 26px;border-radius:999px;font-weight:700;font-size:15px;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s;border:0;cursor:pointer}.btn:hover{transform:translateY(-1px)}.btn-gold{background:linear-gradient(90deg,var(--gold-2),#D08A26);color:var(--navy-2);box-shadow:0 8px 24px rgba(217,161,43,.28)}.btn-navy{background:var(--navy);color:#fff}.btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:#fff}.btn-line{border:1.5px solid var(--navy);color:var(--navy);background:transparent}.btn svg{width:18px;height:18px}header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:20px}.nav .logo img{height:50px;width:auto}.nav ul{display:flex;gap:26px;list-style:none;font-size:15px;font-weight:600}.nav ul a{text-decoration:none;color:var(--ink);opacity:.85}.nav ul a:hover{opacity:1;color:var(--gold-d)}.nav .cta{display:flex;gap:10px;align-items:center}.nav .btn{padding:11px 20px;font-size:14px}.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}.hero{background:linear-gradient(180deg,var(--cream),#FBF9F3);position:relative;overflow:hidden}.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;min-height:600px}.hero-txt{padding:80px 0 90px}.kicker{display:inline-block;font-size:13px;letter-spacing:3px;text-transform:uppercase;font-weight:700;color:var(--gold-d);border:1.5px solid rgba(168,116,26,.5);border-radius:999px;padding:7px 16px}.hero h1{font-family:'Lora',serif;font-size:clamp(38px,5vw,60px);line-height:1.08;margin:24px 0 20px;color:var(--ink)}.hero h1 em{font-style:italic}.hero p.lead{font-size:19px;color:var(--muted);max-width:560px}.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}.hero .actions .btn-line{color:var(--navy)}.hero-img{align-self:end;position:relative}.hero-img img{width:100%;max-width:440px;margin-left:auto;border-radius:24px 24px 0 0;object-fit:cover}.hero-badge{position:absolute;left:0;bottom:40px;background:#fff;border-radius:16px;padding:14px 18px;box-shadow:0 14px 40px rgba(35,36,74,.14);font-size:14px;max-width:230px}.hero-badge b{display:block;font-family:'Lora',serif;font-size:22px;color:var(--navy)}section{padding:92px 0}.sec-head{max-width:720px;margin-bottom:48px}.sec-head .kicker{margin-bottom:16px}.sec-head h2{font-family:'Lora',serif;font-size:clamp(30px,3.6vw,44px);line-height:1.12}.sec-head p{color:var(--muted);font-size:18px;margin-top:14px}.bar{width:80px;height:5px;border-radius:3px;background:linear-gradient(90deg,var(--gold-2),#C9862A);margin:18px 0 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;transition:box-shadow .2s,transform .2s}.card:hover{box-shadow:0 18px 44px rgba(35,36,74,.10);transform:translateY(-2px)}.card .ic{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#FFF3D2,#F6E2AE);color:var(--gold-d);margin-bottom:18px}.card .ic svg{width:26px;height:26px}.card h3{font-size:20px;margin-bottom:8px;color:var(--navy)}.card p{color:var(--muted);font-size:15.5px}.dark{background:radial-gradient(120% 90% at 100% 0%,var(--navy-3) 0%,var(--navy) 45%,var(--navy-2) 100%);color:#F4EFE3;position:relative;overflow:hidden}.dark .sec-head h2{color:#fff}.dark .sec-head p{color:#CFCBE6}.dark .kicker{color:var(--gold-2);border-color:rgba(242,197,61,.5)}.dark .card{background:rgba(255,255,255,.05);border-color:rgba(229,181,58,.28)}.dark .card h3{color:#fff}.dark .card p{color:#CFCBE6}.dark .card .ic{background:rgba(242,197,61,.12);color:var(--gold-2)}.ring{position:absolute;right:-200px;top:-200px;width:620px;height:620px;border-radius:50%;border:2px solid rgba(232,186,58,.16);pointer-events:none}.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:6px 0 26px}.stat{border:1px solid rgba(229,181,58,.35);border-radius:18px;padding:20px 22px;background:rgba(255,255,255,.05)}.stat small{display:block;text-transform:uppercase;letter-spacing:2px;font-weight:700;font-size:12px;color:#CFCBE6}.stat b{font-family:'Lora',serif;font-size:40px;color:var(--gold-2)}.stat b s{color:#9C99BC;font-size:26px;margin-right:8px}.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}ul.check{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:8px}ul.check li{display:flex;gap:12px;font-size:16px}ul.check li:before{content:'';flex:0 0 10px;height:10px;border-radius:50%;margin-top:9px;background:linear-gradient(135deg,var(--gold-2),#D08A26)}.dark ul.check li{color:#E6E3F5}.note{font-size:13.5px;color:#9C99BC;margin-top:16px;font-style:italic}.tl{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:10px}.tl .step{border-top:3px solid var(--gold);padding-top:18px}.tl .step b{font-family:'Lora',serif;font-size:28px;color:var(--navy);display:block}.tl .step p{color:var(--muted);font-size:15px;margin-top:6px}.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden}.tbl th,.tbl td{padding:18px 22px;text-align:left;border-bottom:1px solid var(--line);font-size:15.5px;vertical-align:top}.tbl th{background:var(--cream);font-size:13px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-d)}.tbl td b{color:var(--navy)}.tbl tr:last-child td{border-bottom:0}.about{background:var(--cream)}.about img{border-radius:24px;box-shadow:0 20px 50px rgba(35,36,74,.15)}.cta-band{background:linear-gradient(90deg,var(--gold-2),#D08A26);padding:56px 0}.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.cta-band h2{font-family:'Lora',serif;font-size:clamp(26px,3vw,36px);color:var(--navy-2);max-width:640px;line-height:1.15}.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.contact-grid a{text-decoration:none}footer{background:var(--navy-2);color:#CFCBE6;padding:56px 0 30px;font-size:14.5px}footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}footer .flogo{display:flex;align-items:center;gap:12px;color:#fff;font-family:'Lora',serif;font-size:24px;font-weight:700}footer .flogo img{height:44px}footer .flogo small{display:block;font-family:'Inter';font-size:11px;letter-spacing:5px;color:var(--gold-2);text-transform:uppercase;font-weight:700}footer h4{color:#fff;font-size:15px;margin-bottom:12px}footer ul{list-style:none;display:flex;flex-direction:column;gap:8px}footer a{text-decoration:none;color:#CFCBE6}footer a:hover{color:var(--gold-2)}footer .copy{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;width:60px;height:60px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 28px rgba(37,211,102,.45);transition:transform .15s}.wa-float:hover{transform:scale(1.06)}.wa-float svg{width:32px;height:32px}.ca-hero{background:radial-gradient(120% 90% at 100% 0%,var(--navy-3) 0%,var(--navy) 45%,var(--navy-2) 100%);color:#fff;padding:84px 0 120px;position:relative;overflow:hidden}.ca-hero h1{font-family:'Lora',serif;font-size:clamp(34px,4.4vw,52px);line-height:1.1;margin:20px 0 14px}.ca-hero p{color:#CFCBE6;font-size:18px;max-width:640px}.ca-hero .kicker{color:var(--gold-2);border-color:rgba(242,197,61,.5)}.ca-cards{margin-top:-70px;position:relative;z-index:2;padding-bottom:80px}.ca-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:34px;box-shadow:0 24px 60px rgba(35,36,74,.12);display:flex;flex-direction:column}.ca-card .ic{width:60px;height:60px;border-radius:16px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#FFF3D2,#F6E2AE);color:var(--gold-d);margin-bottom:20px}.ca-card .ic svg{width:30px;height:30px}.ca-card h2{font-size:24px;color:var(--navy);margin-bottom:8px}.ca-card p{color:var(--muted);margin-bottom:16px}.ca-card ul.check{margin:4px 0 24px}.ca-card .btn{margin-top:auto;align-self:flex-start}.tag{display:inline-block;align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:5px 12px;border-radius:999px;background:#EEF0FF;color:var(--navy-3);margin-bottom:14px}.tag.soon{background:#FFF3D2;color:var(--gold-d)}.help{background:var(--cream);border-radius:20px;padding:28px 30px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-top:22px}.help b{font-size:18px;color:var(--navy)}@media (max-width:960px){.nav ul{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line)}.nav ul.open{display:flex}.burger{display:block}.nav .cta .btn-line{display:none}.hero .wrap,.split{grid-template-columns:1fr}.hero-txt{padding:56px 0 10px}.hero-img img{max-width:360px;margin:0 auto}.hero-badge{left:4px;bottom:20px}.grid3,.contact-grid{grid-template-columns:1fr 1fr}.tl{grid-template-columns:1fr 1fr}footer .cols{grid-template-columns:1fr}}@media (max-width:620px){section{padding:64px 0}.wrap{padding:0 16px}.grid3,.grid2,.contact-grid,.tl,.stats{grid-template-columns:1fr}.nav .cta .btn-gold span{display:none}.nav .logo img{height:42px}.hero-img img{max-height:440px;object-fit:cover;object-position:top}.tbl th,.tbl td{padding:14px 12px;font-size:14px}.ca-card{padding:26px}}.about-card{background:radial-gradient(120% 90% at 100% 0%,var(--navy-3) 0%,var(--navy) 50%,var(--navy-2) 100%);border-radius:24px;padding:44px;color:#fff;box-shadow:0 20px 50px rgba(35,36,74,.18)}.ac-row{border-top:1px solid rgba(229,181,58,.3);padding:18px 0}.ac-row b{display:block;font-family:'Lora',serif;font-size:24px;color:var(--gold-2)}.ac-row span{color:#CFCBE6}.nav ul{gap:22px;font-size:14.5px}.nav ul a.on{color:var(--gold-d);opacity:1}.m-only{display:none}.wa-float{color:#fff}.page-hero{background:radial-gradient(120% 90% at 100% 0%,var(--navy-3) 0%,var(--navy) 45%,var(--navy-2) 100%);color:#fff;padding:80px 0 84px;position:relative;overflow:hidden}.page-hero h1{font-family:'Lora',serif;font-size:clamp(34px,4.4vw,54px);line-height:1.1;margin:18px 0 14px;max-width:820px}.page-hero p{color:#CFCBE6;font-size:19px;max-width:700px}.page-hero .kicker{color:var(--gold-2);border-color:rgba(242,197,61,.5)}.crumb{font-size:13px;color:#9C99BC;margin-bottom:6px}.crumb a{color:#CFCBE6;text-decoration:none}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.seg{display:flex;flex-direction:column;text-decoration:none}.seg .more{margin-top:auto;padding-top:14px;font-weight:700;font-size:14px;color:var(--gold-d);display:inline-flex;gap:6px;align-items:center}.seg .more svg{width:16px;height:16px}.seg-block{display:grid;grid-template-columns:1fr 1.3fr;gap:48px;padding:56px 0;border-top:1px solid var(--line);align-items:start;scroll-margin-top:90px}.seg-block:first-child{border-top:0;padding-top:0}.seg-block .ic{width:58px;height:58px;border-radius:16px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#FFF3D2,#F6E2AE);color:var(--gold-d);margin-bottom:16px}.seg-block .ic svg{width:28px;height:28px}.seg-block h2{font-family:'Lora',serif;font-size:clamp(26px,3vw,36px);line-height:1.15;color:var(--navy)}.seg-block p.sub{color:var(--muted);font-size:17px;margin-top:12px}.seg-block ul.check li{color:var(--ink)}.pill{display:inline-block;background:var(--cream);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;color:var(--navy);margin:0 6px 8px 0}.prose p{color:var(--muted);font-size:17px;margin-bottom:16px}.prose h3{font-size:22px;color:var(--navy);margin:28px 0 10px}.faq{max-width:860px}.faq-item{border-bottom:1px solid var(--line)}.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:22px 40px 22px 0;font:600 18px 'Inter',sans-serif;color:var(--navy);position:relative}.faq-q:after{content:'+';position:absolute;right:6px;top:18px;font-size:26px;color:var(--gold-d);transition:transform .2s}.faq-item.open .faq-q:after{transform:rotate(45deg)}.faq-a{display:none;padding:0 0 22px;color:var(--muted);font-size:16.5px}.faq-item.open .faq-a{display:block}.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.steps .card{position:relative;padding-top:56px}.steps .card:before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;top:22px;left:30px;font-family:'Lora',serif;font-weight:700;font-size:26px;color:var(--gold)}.values{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.hl{background:var(--cream);border-left:4px solid var(--gold);border-radius:0 16px 16px 0;padding:20px 24px;color:var(--ink);margin:24px 0}@media (max-width:1180px){.nav ul{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line);box-shadow:0 20px 30px rgba(35,36,74,.08)}.nav ul.open{display:flex}.burger{display:block}.m-only{display:block}}@media (max-width:960px){.grid4,.steps,.values{grid-template-columns:1fr 1fr}.seg-block{grid-template-columns:1fr;gap:20px}}@media (max-width:620px){.grid4,.steps,.values{grid-template-columns:1fr}.page-hero{padding:56px 0 60px}}footer .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}@media (max-width:960px){footer .cols{grid-template-columns:1fr 1fr}}@media (max-width:620px){footer .cols{grid-template-columns:1fr}}