:root{
  --navy:#102b4e; --navy2:#294a6d; --gold:#b98a45; --gold2:#d6b276;
  --red:#c53d42; --ink:#253244; --muted:#6f7884; --line:#e8e4dc;
  --soft:#f8f5ef; --white:#fff; --ok:#3d7656;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,92%);margin:auto}
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid #edf0f4;backdrop-filter:blur(12px)}
.nav{min-height:96px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{width:440px;max-height:110px;object-fit:contain;object-position:left center}
nav{display:flex;align-items:center;gap:20px;font-size:14px;font-weight:700}
nav a:hover{color:var(--gold)}
.menu{display:none;border:0;background:none;font-size:28px;color:var(--navy);cursor:pointer}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:11px;background:var(--navy);color:#fff;font-weight:800;border:2px solid var(--navy);transition:.2s}
.btn:hover{transform:translateY(-1px);background:var(--navy2)}
.btn-gold{background:var(--gold);border-color:var(--gold)}
.btn-gold:hover{background:#9e6e1d}
.btn-outline{background:transparent;color:var(--navy)}
.btn-outline:hover{color:#fff}
.hero{background:radial-gradient(circle at 80% 20%,rgba(185,138,69,.12),transparent 30%),linear-gradient(180deg,#fbfaf7,#fff);padding:72px 0 66px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center}
.kicker{font-size:12px;font-weight:900;letter-spacing:2px;color:var(--gold);text-transform:uppercase;margin-bottom:12px}
h1,h2,h3{margin-top:0}
h1{font-family:Georgia,serif;color:var(--navy);font-size:clamp(44px,6vw,74px);line-height:1.03;margin-bottom:22px}
h1 span{color:var(--gold)}
h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(34px,4vw,50px);line-height:1.1;margin-bottom:18px}
h3{color:var(--navy)}
.lead{font-size:18px;color:var(--muted);max-width:760px}
.actions{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0}
.trust{display:flex;gap:20px;flex-wrap:wrap;font-size:14px;font-weight:700;color:#405064}
.hero-panel{background:linear-gradient(145deg,var(--navy),var(--navy2));color:#fff;border-radius:28px;padding:38px;box-shadow:0 28px 70px rgba(7,31,70,.22)}
.hero-panel h3{color:#fff;font-size:28px}
.hero-panel p{color:#d9e1ed}
.world{font-size:78px}
.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.mini-stats div{padding:16px;border:1px solid rgba(255,255,255,.12);border-radius:15px;background:rgba(255,255,255,.06)}
.mini-stats strong{display:block;color:#fff}
.mini-stats span{font-size:12px;color:#c4d0e0}
.section{padding:86px 0}
.soft{background:var(--soft)}
.dark{background:var(--navy);color:#fff}
.dark h2,.dark h3{color:#fff}
.dark p{color:#cfdae8}
.center{text-align:center;max-width:820px;margin:0 auto 44px}
.center p{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 12px 35px rgba(19,36,63,.05)}
.card .icon{font-size:34px;margin-bottom:14px}
.card p{color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checks{list-style:none;padding:0;margin:24px 0}
.checks li{position:relative;padding-left:28px;margin:11px 0}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.dark .checks li:before{color:var(--gold2)}
.steps{display:grid;gap:14px}
.step{display:grid;grid-template-columns:54px 1fr;gap:16px;padding:20px;border:1px solid rgba(255,255,255,.12);border-radius:18px;background:rgba(255,255,255,.05)}
.num{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:var(--gold);font-weight:900}
.page-hero{padding:72px 0;background:linear-gradient(180deg,#f8fafc,#fff);border-bottom:1px solid var(--line)}
.page-hero p{color:var(--muted);max-width:780px}
.form-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 14px 40px rgba(18,36,60,.06)}
form{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:flex;flex-direction:column;gap:7px;font-size:13px;font-weight:800;color:#3c4655}
.full{grid-column:1/-1}
input,select,textarea{width:100%;border:1px solid #d9dfe7;border-radius:10px;padding:13px 14px;font:inherit;background:#fff;outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(185,133,43,.12)}
.note{font-size:12px;color:var(--muted);margin-top:8px}
.notice{padding:16px 18px;border-radius:14px;background:#f7f3e9;border:1px solid #ead8ac;color:#5f4d27;font-size:14px}
.faq{display:grid;gap:12px}
details{border:1px solid var(--line);border-radius:14px;background:#fff;padding:16px 18px}
summary{cursor:pointer;font-weight:800;color:var(--navy)}
details p{color:var(--muted)}
.contact-strip{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:48px 0}
.contact-strip h2{color:#fff}
.contact-strip p{color:#d5deeb}
.contact-items{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.contact-item{padding:20px;border:1px solid rgba(255,255,255,.12);border-radius:16px;background:rgba(255,255,255,.05)}
.badge{display:inline-block;padding:6px 10px;border-radius:999px;background:#eef3f8;color:var(--navy);font-size:12px;font-weight:800}
footer{background:#06172f;color:#c6d1df;padding:36px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:28px}
footer h4{color:#fff;margin:0 0 10px}
footer a{display:block;margin:6px 0}
.legal{margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.1);font-size:12px;color:#8ea0b7}
.small{font-size:13px;color:var(--muted)}
@media(max-width:920px){
  nav{display:none;position:absolute;left:0;right:0;top:96px;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 4%;border-bottom:1px solid var(--line)}
  nav.open{display:flex}.menu{display:block}
  .hero-grid,.split,.form-wrap{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr 1fr}.grid-4{grid-template-columns:1fr 1fr}
  .contact-items{grid-template-columns:1fr}
}
@media(max-width:640px){
  .logo{width:300px;max-height:90px}.hero{padding:58px 0}.section{padding:64px 0}
  .grid-3,.grid-4{grid-template-columns:1fr}.mini-stats{grid-template-columns:1fr}
  form{grid-template-columns:1fr}.full{grid-column:auto}
  .footer-grid{grid-template-columns:1fr}
}

/* Animated cover — softer, more visual homepage */
.cover-slider{position:relative;height:430px;max-width:500px;width:100%;justify-self:end;border-radius:24px;overflow:hidden;box-shadow:0 22px 55px rgba(16,43,78,.16);background:#e9e5dc}
.cover-slide{position:absolute;inset:0;background-size:cover;background-position:center;opacity:0;transform:scale(1.035);transition:opacity .9s ease,transform 5.5s ease}
.cover-slide.active{opacity:1;transform:scale(1)}
.cover-copy{position:absolute;left:28px;right:28px;bottom:34px;color:#fff}
.cover-copy span{display:inline-block;font-size:11px;letter-spacing:1.6px;text-transform:uppercase;font-weight:800;margin-bottom:8px;color:#f0d6a9}
.cover-copy h3{color:#fff;font-family:Georgia,serif;font-size:28px;line-height:1.15;margin:0;text-shadow:0 2px 14px rgba(0,0,0,.25)}
.slider-dots{position:absolute;right:24px;top:22px;display:flex;gap:7px;z-index:3}
.dot{width:8px;height:8px;border:0;border-radius:50%;padding:0;background:rgba(255,255,255,.48);cursor:pointer}
.dot.active{background:#fff;transform:scale(1.25)}
@media(max-width:920px){.cover-slider{justify-self:stretch;max-width:none;height:390px}}
@media(max-width:640px){.logo{width:310px;max-width:82vw;max-height:92px}.nav{min-height:84px}nav{top:84px}.cover-slider{height:330px}.cover-copy{left:22px;right:22px;bottom:26px}.cover-copy h3{font-size:24px}}