*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth}
:root{--navy:#0F2747;--ind:#160A70;--ink:#14102E;--bg:#F6F7FB;--amb:#F2A33A;--mut:#566079;--line:#DDE1EC}
body{font:17px/1.65 "DM Sans",system-ui,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.15;color:var(--navy)}
h1{font-size:clamp(2.4rem,6vw,4.2rem);font-weight:600}h2{font-size:clamp(1.7rem,4vw,2.5rem);margin-bottom:.6rem}h3{font-size:1.3rem;margin-bottom:.4rem}
a{color:var(--ind)}.w{max-width:1120px;margin:auto;padding:0 22px}
header{position:sticky;top:0;z-index:9;background:#fff;border-bottom:1px solid var(--line)}
header .w{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
header img{height:54px;display:block}nav{display:flex;gap:6px 20px;flex-wrap:wrap;margin-left:auto;align-items:center}
nav a{text-decoration:none;color:var(--navy);font-weight:500;padding:6px 0;border-bottom:2px solid transparent}nav a:hover,nav a.on{border-color:var(--amb)}
.btn{display:inline-block;background:var(--amb);color:var(--ink)!important;font-weight:700;padding:12px 24px;border-radius:8px;text-decoration:none;border:2px solid var(--amb);cursor:pointer;font:inherit;font-weight:700}
.btn:hover{background:#fff}.btn.alt{background:transparent;color:#fff!important;border-color:#fff}.btn.alt:hover{background:#ffffff22}nav .btn{padding:8px 16px;border-bottom:2px solid var(--amb)}
:focus-visible{outline:3px solid var(--amb);outline-offset:2px}
.hero{background:linear-gradient(120deg,rgba(15,39,71,.96),rgba(22,10,112,.9)),url(images/hero.jpg) center/cover;color:#fff;padding:72px 0}
.hero .w{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}.hero h1{color:#fff;margin-bottom:18px}.hero p{max-width:540px;color:#d6dcf2;margin-bottom:26px}.hero .b{display:flex;gap:12px;flex-wrap:wrap}
.ph{background:linear-gradient(120deg,rgba(15,39,71,.95),rgba(22,10,112,.88)),var(--pic,none) center/cover;color:#fff;padding:56px 0}.ph h1{color:#fff;font-size:clamp(2rem,5vw,3.2rem)}.ph p{color:#d6dcf2;max-width:620px;margin-top:10px}
.strip{background:var(--navy);color:#fff;text-align:center;padding:14px 22px;font-weight:500}
section{padding:64px 0}section.g{background:var(--bg)}.lead{color:var(--mut);max-width:620px;margin-bottom:30px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px}.g .card{background:#fff}
.card .ic{width:46px;height:46px;display:grid;place-items:center;background:var(--ind);color:#fff;clip-path:polygon(50% 0,100% 25%,100% 75%,50% 100%,0 75%,0 25%);font-size:1.2rem;margin-bottom:14px}
.card ul{padding-left:20px;color:var(--mut);margin:10px 0}.card .p{font:600 1.7rem Fraunces,serif;color:var(--ind);margin:6px 0}.card.f{border:2px solid var(--amb)}
.steps{counter-reset:s}.steps .card::before{counter-increment:s;content:counter(s);font:600 2rem Fraunces,serif;color:var(--amb)}
table{width:100%;border-collapse:collapse;margin-bottom:34px}td,th{padding:12px 10px;border-bottom:1px solid var(--line);text-align:left}td:last-child{text-align:right;font-weight:700;color:var(--ind);white-space:nowrap}th{font:600 1.3rem Fraunces,serif;color:var(--navy)}
.note{font-size:.9rem;color:var(--mut);background:var(--bg);border-left:4px solid var(--amb);padding:14px 18px}
details{border-bottom:1px solid var(--line);padding:16px 0}summary{font-weight:700;cursor:pointer;color:var(--navy)}details p{color:var(--mut);margin-top:8px}
.cta{background:var(--ind);color:#fff;text-align:center}.cta h2{color:#fff}.cta p{color:#d6dcf2;margin:0 auto 24px;max-width:520px}
form{display:grid;gap:14px}label{font-weight:500;display:grid;gap:4px}input,select,textarea{font:inherit;padding:12px;border:1px solid #b9c0d4;border-radius:8px;width:100%}
.two{display:grid;grid-template-columns:1fr 1.3fr;gap:36px}.two .card a{font-weight:700}
footer{background:var(--ink);color:#c9cde0;padding:40px 0 24px;font-size:.95rem}footer a{color:#fff;margin-right:16px}footer .w{display:grid;gap:12px}
@media(max-width:800px){.hero .w,.two{grid-template-columns:1fr}.hero svg{max-width:260px;margin:auto}nav{margin-left:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}