:root{--navy:#0B1B34;--navy2:#13294b;--gold:#D4AA50;--ink:#1a2433;--mut:#5b6678;--bg:#fff;--alt:#f4f6f9;--line:#e2e6ec}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}a{color:var(--navy2)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;background:var(--gold);color:var(--navy);padding:8px 12px;z-index:99}.skip:focus{left:8px;top:8px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}h1{font-size:clamp(2rem,6vw,3.4rem)}h2{font-size:clamp(1.5rem,4vw,2.1rem)}h3{font-size:1.15rem}
.hdr{background:var(--navy);position:sticky;top:0;z-index:10;border-bottom:1px solid #1d3256}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:68px}
.brand img{display:block;height:48px;width:auto}
.burger{background:none;border:1px solid #3a5280;color:#fff;padding:8px 14px;border-radius:6px;font:inherit;font-size:.95rem}
#nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:12px 20px 20px;flex-direction:column;gap:4px;border-bottom:1px solid #1d3256}
#nav.open{display:flex}#nav a{color:#fff;text-decoration:none;padding:10px 0}#nav a[aria-current]{color:var(--gold)}
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-weight:600;text-decoration:none;border:2px solid var(--gold);cursor:pointer;font:inherit;font-weight:600}
.btn.gold{background:var(--gold);color:var(--navy)}.btn.gold:hover{background:#e2bd6b}.btn.ghost{color:#fff;background:transparent}.btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.sm{padding:9px 16px;margin-top:8px;text-align:center}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.hero{background:var(--navy);color:#fff;padding:72px 0 80px;border-bottom:4px solid var(--gold)}.hero h1{color:#fff;max-width:16em}
.lead{font-size:1.15rem;max-width:40em;color:#cfd8e6}.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.sec{padding:64px 0}.alt{background:var(--alt)}.band{background:var(--navy);color:#fff;padding:52px 0}.band h2{color:#fff}
.grid2{display:grid;gap:36px}.grid3{display:grid;gap:28px}.grid4{display:grid;gap:18px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);padding:22px;border-radius:6px}.card p{margin:0;color:var(--mut)}
.row{border-left:4px solid var(--gold);padding:4px 0 4px 20px;margin-bottom:34px}
.panel{background:var(--navy);color:#fff;padding:28px;border-radius:8px}.panel h2,.panel h3{color:#fff}.panel.light{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:0 6px 24px rgba(11,27,52,.08)}.panel.light h2{color:var(--navy)}
.steps{padding-left:1.2em}.steps li{margin-bottom:12px}
.ticks{list-style:none;padding:0}.ticks li{padding-left:26px;position:relative;margin-bottom:12px}.ticks li:before{content:"";position:absolute;left:0;top:.6em;width:12px;height:3px;background:var(--gold)}
.more{font-weight:600}.note,.mut{color:var(--mut)}.sm{font-size:.9rem}.note{border-left:3px solid var(--gold);padding-left:12px;margin-top:20px}
.g2{display:grid;gap:14px}.f label{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px}
.f input,.f select,.f textarea{width:100%;padding:12px;border:1px solid #b9c2d0;border-radius:6px;font:inherit;background:#fff;color:var(--ink)}
.f .err{border-color:#b3261e}.f small{color:#b3261e;display:block;min-height:0}
.hp{position:absolute;left:-9999px;height:0;width:0;opacity:0}
.status{margin:14px 0 0;font-weight:600}.status.ok{color:#1b6b3a}.status.bad{color:#b3261e}
.ftr{background:var(--navy);color:#cfd8e6;padding:48px 0 0;margin-top:0}.ftr strong{color:#fff;display:block;margin-bottom:8px}.ftr a{color:#cfd8e6;display:block;text-decoration:none;padding:3px 0}.ftr a:hover{color:var(--gold)}.ftr p{margin:.3em 0}
.legal{border-top:1px solid #1d3256;margin-top:32px;padding:18px 20px;font-size:.88rem}
.wafab{position:fixed;right:16px;bottom:16px;background:#25D366;color:#fff;font-weight:700;padding:12px 18px;border-radius:999px;text-decoration:none;box-shadow:0 4px 14px rgba(0,0,0,.25);z-index:20}
@media(min-width:760px){.burger{display:none}#nav{display:flex!important;position:static;flex-direction:row;align-items:center;gap:20px;padding:0;border:0;background:none}#nav a{padding:0;font-size:.95rem}#nav .btn.sm{margin:0;color:var(--navy)!important}
.grid2{grid-template-columns:1fr 1fr}.grid3{grid-template-columns:1.4fr 1fr 1.2fr}.grid4{grid-template-columns:repeat(2,1fr)}.g2{grid-template-columns:1fr 1fr}.g2 .f:has(textarea){grid-column:1/-1}.hero{padding:104px 0 112px}}
@media(min-width:1000px){.grid4{grid-template-columns:repeat(4,1fr)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}