:root{--navy:#081018;--navy2:#0d1b2a;--gold:#d8b56c;--gold2:#e6c98f;--ink:#10161f;--txt:#283038;--line:#e4e2d9;--bg:#faf8f3;--card:#ffffff}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:"Segoe UI",ui-sans-serif,system-ui,-apple-system,sans-serif;color:var(--txt);background:var(--bg);line-height:1.75}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.hd{background:var(--navy);color:#fff;border-bottom:3px solid var(--gold)}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;min-height:66px;gap:16px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;font-weight:900;font-size:22px;letter-spacing:.5px}
.brand .m{width:38px;height:38px;border-radius:8px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:900}
.brand small{font-weight:500;font-size:12.5px;color:#aeb9c8}
.hd nav{display:flex;gap:2px;flex-wrap:wrap}
.hd nav a{padding:9px 13px;font-size:14px;color:#c3ccd9;border-radius:7px}
.hd nav a:hover,.hd nav a.cur{color:#fff;background:rgba(216,181,108,.16)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;padding:86px 0 96px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-40px;bottom:-120px;width:520px;height:300px;background:repeating-linear-gradient(90deg,var(--gold) 0 2px,transparent 2px 26px);opacity:.16}
.hero .wrap{position:relative;z-index:2}
.hero .eyebrow{color:var(--gold);font-weight:600;letter-spacing:3px;font-size:13px;text-transform:uppercase;margin-bottom:16px}
.hero h1{font-size:42px;line-height:1.25;margin-bottom:18px;font-weight:700}
.hero h1 .g{color:var(--gold2)}
.hero p{max-width:640px;color:#c7d0dd;font-size:17px;margin-bottom:30px}
.btn{display:inline-block;background:linear-gradient(90deg,var(--gold),var(--gold2));color:var(--navy);font-weight:800;padding:14px 28px;border-radius:8px;font-size:16px}
.btn.o{background:transparent;border:1px solid rgba(216,181,108,.6);color:var(--gold2);margin-left:12px}
.hero .meta{margin-top:40px;display:flex;gap:30px;flex-wrap:wrap}
.hero .meta b{color:#fff;font-size:24px;font-weight:800}
.hero .meta span{display:block;font-size:12.5px;color:#8e99a9}
section{padding:66px 0}
h2{font-size:30px;font-weight:800;color:var(--navy);margin-bottom:12px}
.sub{color:#5a6572;max-width:700px;margin-bottom:36px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:4px 12px 12px 4px;padding:22px}
.card h3{font-size:17px;color:var(--navy);margin-bottom:8px}
.card p{font-size:14px;color:#5a6572}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}
.tbl th{background:var(--navy);color:var(--gold2);font-weight:700;text-align:left;padding:12px 16px;font-size:14px}
.tbl td{padding:12px 16px;border-top:1px solid var(--line);font-size:14.5px}
.tbl tr:nth-child(even) td{background:#fbfaf6}
ol.steps{list-style:none}
ol.steps li{position:relative;padding:0 0 22px 46px;font-size:15px}
ol.steps li:before{content:attr(data-n);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center;font-size:14px}
ol.steps li:not(:last-child):after{content:"";position:absolute;left:15px;top:34px;bottom:2px;width:2px;background:var(--line)}
.faq{border:1px solid var(--line);border-radius:10px;background:#fff;padding:20px 22px;margin-bottom:14px}
.faq h3{font-size:16px;color:var(--navy);margin-bottom:5px}
.faq p{color:#5a6572;font-size:14px}
.warn{background:#fff5e0;border:1px solid #e7cf9a;border-radius:10px;padding:18px 22px;color:#6b5416;font-size:14px;margin-top:26px}
.ft{background:var(--navy);color:#9aa6b7;padding:38px 0;font-size:13px}
.ft .frow{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;margin-bottom:14px}
.ft a{color:#d9e0ea}
.ft .copy{font-size:12px;color:#6f7c8f;line-height:1.65}
@media(max-width:820px){.hd .wrap{flex-direction:column;padding:14px 16px;align-items:flex-start}.hero h1{font-size:31px}.hero{padding:60px 0 70px}.split{grid-template-columns:1fr}.btn.o{margin-left:0;margin-top:10px;display:inline-block}}
@media(max-width:430px){.wrap{padding:0 16px}}