:root{
    --navy:#14284b; --navy-2:#1d3763; --gold:#c8a35a; --gold-d:#a8853f;
    --ink:#1f2937; --muted:#5b6474; --bg:#ffffff; --soft:#f4f6fa; --line:#e3e7ef;
    --radius:14px; --max:1100px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
  a{color:var(--navy-2)}
  .wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

  /* Header */
  header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:68px}
  .brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;letter-spacing:.2px}
  .logo{width:40px;height:40px;border-radius:10px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800;font-size:16px}
  .brand small{display:block;font-weight:500;color:var(--muted);font-size:12px;line-height:1.1}
  .nav ul{display:flex;gap:26px;list-style:none}
  .nav ul a{text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}
  .nav ul a:hover{color:var(--gold-d)}
  @media (max-width:760px){.nav ul{display:none}}

  /* Hero */
  .hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:96px 0 104px;position:relative;overflow:hidden}
  .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(200,163,90,.12)}
  .eyebrow{display:inline-block;color:var(--gold);font-weight:600;letter-spacing:1.5px;text-transform:uppercase;font-size:13px;margin-bottom:16px}
  .hero h1{font-size:clamp(30px,4.6vw,50px);line-height:1.15;max-width:760px;margin-bottom:20px}
  .hero p{font-size:clamp(17px,2vw,20px);color:#d6deec;max-width:640px;margin-bottom:34px}
  .btns{display:flex;flex-wrap:wrap;gap:14px;position:relative;z-index:1}
  .btn{display:inline-block;padding:14px 26px;border-radius:10px;font-weight:600;text-decoration:none;transition:.2s}
  .btn-gold{background:var(--gold);color:var(--navy)}
  .btn-gold:hover{background:#d6b46d}
  .btn-ghost{border:1.5px solid rgba(255,255,255,.5);color:#fff}
  .btn-ghost:hover{background:rgba(255,255,255,.1)}

  /* Sections */
  section{padding:84px 0}
  .soft{background:var(--soft)}
  .head{max-width:680px;margin-bottom:46px}
  .head h2{font-size:clamp(26px,3.2vw,36px);color:var(--navy);line-height:1.2;margin-bottom:12px}
  .head p{color:var(--muted)}

  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  @media (max-width:900px){.grid3{grid-template-columns:1fr}}
  .card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;transition:.2s}
  .card:hover{box-shadow:0 14px 34px rgba(20,40,75,.09);transform:translateY(-3px)}
  .icon{width:52px;height:52px;border-radius:12px;background:rgba(200,163,90,.15);display:grid;place-items:center;margin-bottom:18px}
  .icon svg{width:26px;height:26px;stroke:var(--gold-d);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
  .card h3{color:var(--navy);font-size:21px;margin-bottom:10px}
  .card p{color:var(--muted);font-size:16px;margin-bottom:14px}
  .card ul{list-style:none}
  .card li{padding-left:22px;position:relative;font-size:15px;margin-bottom:6px}
  .card li::before{content:"";position:absolute;left:0;top:10px;width:10px;height:2px;background:var(--gold)}

  .split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
  @media (max-width:900px){.split{grid-template-columns:1fr;gap:34px}}
  .points{display:grid;gap:18px}
  .point{display:flex;gap:16px;align-items:flex-start}
  .num{flex:0 0 38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:700;font-size:15px}
  .point h4{color:var(--navy);font-size:17px;margin-bottom:2px}
  .point p{color:var(--muted);font-size:15px}

  /* Contact */
  .contact{background:var(--navy);color:#fff}
  .contact .head h2{color:#fff}
  .contact .head p{color:#c9d3e4}
  .cgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  @media (max-width:900px){.cgrid{grid-template-columns:1fr}}
  .citem{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:26px;text-decoration:none;color:#fff;display:block;transition:.2s}
  a.citem:hover{background:rgba(255,255,255,.11)}
  .citem span{display:block;color:var(--gold);font-size:13px;font-weight:600;letter-spacing:1px;text-transform:uppercase;margin-bottom:6px}
  .citem strong{font-size:19px;word-break:break-word}

  /* Legal */
  .legal{padding:56px 0 80px;min-height:60vh}
  .back{display:inline-block;margin-bottom:22px;text-decoration:none;font-weight:600;color:var(--gold-d);font-size:15px}
  .back:hover{color:var(--navy)}
  .legal h2.sub{font-size:22px;margin-top:8px}
  .legal h1{color:var(--navy);font-size:clamp(28px,3.4vw,36px);margin-bottom:22px;line-height:1.2}
  .legal h3{color:var(--navy);font-size:18px;margin:22px 0 6px}
  .legal p,.legal li{font-size:15px;color:var(--ink)}
  .legal ul{padding-left:20px}
  .legal .box > *{max-width:820px}

  footer{background:#0e1d38;color:#aab6cc;font-size:14px;padding:26px 0}
  .foot{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center}
  footer a{color:#dfe6f2;text-decoration:none;margin-left:18px}
  footer a:hover{color:var(--gold)}