:root{--ink:#0A1A33;--ink2:#12294D;--steel:#2F4B7C;--gold:#C8A24B;--gold2:#E2C77F;--paper:#F7F5EF;--mist:#EEF1F6;--text:#1B2433;--muted:#5A6577;--line:#E1E5EC;--r:16px;--sh:0 18px 50px rgba(10,26,51,.12);--hf:'Fraunces',Georgia,serif;--bf:'Inter',system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.7 var(--bf);color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}a{color:var(--steel);text-underline-offset:3px}a:hover{color:var(--ink)}
h1,h2,h3,h4{font-family:var(--hf);color:var(--ink);line-height:1.15;margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(2.3rem,5vw,3.9rem);font-weight:800}h2{font-size:clamp(1.75rem,3.2vw,2.6rem);font-weight:800}h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}.wrap{width:min(1180px,92%);margin:0 auto}.sec{padding:92px 0}.alt{background:var(--paper)}.mist{background:var(--mist)}
.dark{background:linear-gradient(160deg,var(--ink) 0%,var(--ink2) 100%);color:#DCE4F2}.dark h2,.dark h3{color:#fff}.dark a{color:var(--gold2)}
.eyebrow{display:inline-block;font:700 .74rem/1 var(--bf);letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.lead{font-size:1.2rem;color:var(--muted);max-width:760px}.dark .lead{color:#B9C6DD}.center{text-align:center}.center .lead{margin-inline:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.top{background:var(--ink);color:#A9B8D3;font-size:.82rem;padding:8px 0}.top .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.top a{color:#fff;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:22px;min-height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}.brand b{font:800 1.28rem/1 var(--hf);letter-spacing:-.01em}.brand small{display:block;font:600 .62rem/1 var(--bf);letter-spacing:.24em;text-transform:uppercase;color:var(--gold);margin-top:5px}
.menu{display:flex;gap:22px;list-style:none;margin:0 0 0 auto;padding:0}.menu a{text-decoration:none;color:var(--text);font-weight:500;font-size:.94rem}.menu a:hover,.menu a.on{color:var(--steel);box-shadow:0 2px 0 var(--gold)}
.langbtn{font-size:.82rem;font-weight:600;border:1px solid var(--line);border-radius:99px;padding:7px 13px;text-decoration:none;color:var(--ink);white-space:nowrap}.langbtn:hover{border-color:var(--gold)}
.btn{display:inline-block;font-weight:600;text-decoration:none;border-radius:99px;padding:14px 28px;transition:.2s;border:2px solid transparent;cursor:pointer;font-size:1rem}
.btn-g{background:var(--gold);color:var(--ink)}.btn-g:hover{background:var(--gold2);color:var(--ink);transform:translateY(-2px)}
.btn-o{border-color:rgba(255,255,255,.4);color:#fff}.btn-o:hover{border-color:var(--gold2);color:var(--gold2)}.btn-d{background:var(--ink);color:#fff}.btn-d:hover{background:var(--steel);color:#fff}.btn-sm{padding:10px 20px;font-size:.9rem}
.burger{display:none;background:none;border:0;padding:8px;margin-left:auto}.burger span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0}
.hero{position:relative;overflow:hidden;padding:110px 0 150px}.hero h1{color:#fff;max-width:880px}.hero h1 em{font-style:italic;color:var(--gold2)}.hero .lead{margin-bottom:34px}
.hero .grid{display:grid;grid-template-columns:1.4fr .9fr;gap:56px;align-items:center}
.sky{position:absolute;left:0;right:0;bottom:0;height:130px;opacity:.9}
.glass{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:22px;padding:30px;backdrop-filter:blur(6px)}
.glass h3{color:#fff;margin-bottom:18px}.glass ol{list-style:none;counter-reset:s;margin:0;padding:0}.glass li{counter-increment:s;display:flex;gap:14px;margin-bottom:18px;color:#DCE4F2}.glass li:before{content:counter(s);flex:0 0 34px;height:34px;border-radius:50%;background:var(--gold);color:var(--ink);font:800 .95rem/34px var(--hf);text-align:center}.glass li b{display:block;color:#fff}
.strip{margin-top:-62px;position:relative;z-index:3}.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border-radius:20px;box-shadow:var(--sh);overflow:hidden}
.strip div{padding:26px 24px;border-right:1px solid var(--line)}.strip div:last-child{border:0}.strip b{display:block;font:700 1.02rem var(--hf);color:var(--ink);margin-bottom:4px}.strip span{font-size:.9rem;color:var(--muted);line-height:1.5;display:block}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}.cards.c2{grid-template-columns:repeat(2,1fr)}.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:var(--gold)}
.card .ic{width:50px;height:50px;border-radius:14px;background:var(--ink);display:grid;place-items:center;margin-bottom:18px}.card .ic svg{width:26px;height:26px;stroke:var(--gold2);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.card p{color:var(--muted);font-size:.97rem;margin:0}.card ul{margin:10px 0 0;padding-left:18px;color:var(--muted);font-size:.95rem}
.tl{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:48px;counter-reset:t}.tl>div{position:relative;padding-top:56px}.tl>div:before{counter-increment:t;content:counter(t);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--gold);color:var(--ink);font:800 1.1rem/42px var(--hf);text-align:center}
.tl>div:after{content:"";position:absolute;top:21px;left:52px;right:-12px;height:1px;background:rgba(255,255,255,.25)}.tl>div:last-child:after{display:none}.tl h3{font-size:1.1rem}.tl p{font-size:.93rem;color:#B9C6DD}
.light .tl h3{color:var(--ink)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.quote{font:italic 600 clamp(1.4rem,2.6vw,2rem)/1.4 var(--hf);color:var(--ink);border-left:4px solid var(--gold);padding-left:26px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 0}.chips a{border:1px solid var(--line);background:#fff;border-radius:99px;padding:8px 16px;font-size:.88rem;text-decoration:none;color:var(--ink);font-weight:500}.chips a:hover{border-color:var(--gold);background:var(--paper)}
.fgroup{margin-top:56px}.fgroup>h2{font-size:1.7rem;border-bottom:2px solid var(--gold);display:inline-block;padding-bottom:6px;margin-bottom:6px}
.fgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:22px}.fi{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}.fi h3{font-size:1.02rem;margin-bottom:6px}.fi p{font-size:.92rem;color:var(--muted);margin:0 0 8px}.fi small{display:block;font-size:.82rem;color:var(--steel);font-weight:600}
.notice{background:#FFF8E6;border:1px solid #EBD79B;border-left:5px solid var(--gold);border-radius:12px;padding:20px 24px;margin:30px 0;font-size:.97rem}
.pagehero{padding:80px 0 70px}.pagehero h1{color:#fff;font-size:clamp(2rem,4vw,3.1rem)}.crumbs{font-size:.85rem;color:#8FA2C4;margin-bottom:16px}.crumbs a{color:#B9C6DD}
.prose{max-width:820px}.prose h2{font-size:1.6rem;margin-top:1.8em}.prose h3{margin-top:1.4em}.prose ul,.prose ol{padding-left:22px}.prose li{margin-bottom:.4em}
table.t{width:100%;border-collapse:collapse;font-size:.95rem;margin:20px 0}table.t th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-weight:600}table.t td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.faq details{border:1px solid var(--line);border-radius:14px;padding:18px 24px;margin-bottom:12px;background:#fff}.faq summary{cursor:pointer;font:700 1.08rem var(--hf);color:var(--ink)}.faq details[open]{border-color:var(--gold)}.faq details p{margin:12px 0 0;color:var(--muted)}
.cta{text-align:center;padding:96px 0}.cta h2{max-width:760px;margin-inline:auto}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:28px}.contact .card p{margin-bottom:6px}
footer.site{background:var(--ink);color:#A9B8D3;padding:70px 0 28px;font-size:.93rem}footer.site a{color:#DCE4F2;text-decoration:none}footer.site a:hover{color:var(--gold2)}
.fg{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}footer h4{font:700 .78rem var(--bf);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}footer ul{list-style:none;margin:0;padding:0}footer li{margin-bottom:9px}
.fam{margin-top:12px;font-size:.88rem}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:24px;font-size:.82rem;color:#8FA2C4}.legal p{margin-bottom:.8em}
.scam{background:rgba(200,162,75,.12);border:1px solid rgba(200,162,75,.4);border-radius:10px;padding:14px 18px;color:#E9DDB9}.scam strong{color:var(--gold2)}
@media(max-width:980px){.hero .grid,.split,.contact{grid-template-columns:1fr}.cards,.cards.c4,.fgrid{grid-template-columns:1fr 1fr}.tl{grid-template-columns:1fr 1fr}.tl>div:after{display:none}.strip .wrap{grid-template-columns:1fr 1fr}.fg{grid-template-columns:1fr 1fr}.menu{display:none}.menu.open{display:flex;flex-direction:column;position:absolute;top:78px;left:0;right:0;background:#fff;padding:20px 4%;border-bottom:1px solid var(--line);gap:14px}.burger{display:block}.hdr{display:none}}
@media(max-width:620px){.cards,.cards.c2,.cards.c4,.fgrid,.tl,.fg,.strip .wrap{grid-template-columns:1fr}.sec{padding:64px 0}.hero{padding:70px 0 130px}.strip div{border-right:0;border-bottom:1px solid var(--line)}.top .wrap{justify-content:center;text-align:center}}