:root{--navy:#0f1f3d;--navy2:#1b2f57;--yellow:#f6c343;--cream:#faf7f0;--ink:#1f2937;--muted:#5b6475;--line:#e6e0d2}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Poppins,system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.6;font-size:16px}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(1140px,100% - 32px);margin:0 auto}
.center{text-align:center}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.01em}
h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:18px}
h3{font-size:19px;margin-bottom:8px}
.kicker{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#b8860b;margin-bottom:10px}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;padding:13px 26px;border-radius:999px;border:2px solid var(--navy);transition:.2s}
.btn:hover{background:var(--navy2)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.light{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}

.top{position:sticky;top:0;z-index:10;background:rgba(250,247,240,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:9px;text-decoration:none;font-weight:700;font-size:20px;color:var(--navy)}
.brand b{color:#c99a1e;font-weight:700;margin-left:2px}
.nav nav{display:flex;align-items:center;gap:26px;font-size:15px}
.nav nav a{text-decoration:none;color:var(--navy)}
.nav nav a:hover{color:#b8860b}
.btn-sm{background:var(--navy);color:#fff!important;padding:7px 18px;border-radius:999px}
@media(max-width:700px){.nav nav a:not(.btn-sm){display:none}}

.hero{position:relative;min-height:min(78vh,680px);display:flex;align-items:center;overflow:hidden}
.hero picture,.hero picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% center}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(250,247,240,.97) 0%,rgba(250,247,240,.9) 35%,rgba(250,247,240,.25) 62%,rgba(250,247,240,0) 80%)}
.hero-txt{position:relative;z-index:1;padding:70px 0}
.hero h1{font-size:clamp(36px,5.6vw,64px);font-weight:700;margin-bottom:20px}
.hero h1 span{background:linear-gradient(transparent 62%,var(--yellow) 62%)}
.lead{max-width:520px;font-size:17px;color:var(--muted);margin-bottom:28px}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
@media(max-width:700px){
  .hero{min-height:auto;flex-direction:column;align-items:stretch}
  .hero picture{position:relative;display:block;height:260px}
  .hero::after{display:none}
  .hero-txt{padding:30px 0 40px}
}

.facts{background:var(--navy);color:#fff}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.facts .grid4{padding:26px 0}
.facts b{display:block;font-size:22px;color:var(--yellow)}
.facts span{font-size:14px;opacity:.85}
@media(max-width:860px){.grid4{grid-template-columns:repeat(2,1fr)}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding:90px 0}
.split img{border-radius:20px;box-shadow:0 20px 50px rgba(15,31,61,.15)}
.split p{color:var(--muted);margin-bottom:14px}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:30px;padding:60px 0}}

.method{background:#fff;padding:90px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cards{margin-top:34px}
.cards article{background:var(--cream);border:1px solid var(--line);border-radius:18px;padding:26px 22px}
.cards i{font-style:normal;font-weight:700;color:#c99a1e;font-size:14px;display:block;margin-bottom:10px}
.cards p{font-size:15px;color:var(--muted)}
@media(max-width:560px){.cards{grid-template-columns:1fr}}

.guides{padding:90px 0}
.guide{display:grid;grid-template-columns:420px 1fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;margin-top:30px}
.guide img{border-radius:16px}
.guide p{color:var(--muted);margin-bottom:20px}
.tag{display:inline-block;font-size:13px;font-weight:600;color:var(--navy)!important;background:#fdf1cf;border-radius:999px;padding:4px 12px;margin-bottom:12px!important}
.guide h3{font-size:28px}
.more{color:var(--muted);margin-top:26px}
@media(max-width:860px){.guide{grid-template-columns:1fr;padding:18px;gap:20px}}

.contact{background:var(--navy);color:#fff;padding:80px 0;text-align:center}
.contact h2{color:#fff}
.contact p{opacity:.85;margin-bottom:24px}

.foot{padding:40px 0;font-size:14px;color:var(--muted)}
.foot .wrap{display:flex;flex-direction:column;gap:8px}
.foot .brand{font-size:17px;margin-bottom:6px}
.foot .small{font-size:12px}

.legal{padding:60px 0 80px;max-width:760px}
.legal h1{font-size:34px;margin-bottom:8px}
.legal h2{font-size:21px;margin:28px 0 8px}
.legal p,.legal li{color:var(--muted);margin-bottom:10px}
.legal ul{padding-left:20px}