:root{--ink:#27394d;--bg:#fff;--navy:#f3f9ff;--navy2:#e9f1fa;--gold:#0768c6;--gold2:#0768c6;--red:#df0e0e;--muted:#7b8ba3;--txt:#596a82;--line:#dfe9f5}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
h1,h2,h3,h4{font-family:"Playfair Display",Georgia,serif;line-height:1.15;color:var(--ink)}
a{color:var(--gold2);text-decoration:none}
p{color:var(--txt)}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.logo{font-family:"Playfair Display",serif;font-weight:700;font-size:1.3rem;color:var(--ink);letter-spacing:.5px;white-space:nowrap}
.logo span{color:var(--gold)}
.logo small{font-family:Inter;font-size:.65rem;color:var(--muted);font-weight:500;margin-left:4px}
.menu{display:flex;gap:22px;list-style:none;flex-wrap:wrap}
.menu a{color:var(--ink);font-size:.9rem;font-weight:500}
.menu a:hover,.menu a.on{color:var(--gold2)}
.btn{display:inline-block;padding:13px 26px;border-radius:6px;font-weight:600;font-size:.95rem;transition:.2s;white-space:nowrap}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(223,14,14,.28)}
.btn-ghost{border:1px solid var(--gold);color:var(--gold2)}
.btn-ghost:hover{background:rgba(7,104,198,.08)}
.hero{padding:100px 0 80px;position:relative;overflow:hidden;background:radial-gradient(900px 500px at 70% 20%,rgba(7,104,198,.12),transparent 60%),var(--bg)}
.hero .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center}
.eyebrow{display:inline-block;color:var(--gold);letter-spacing:3px;text-transform:uppercase;font-size:.72rem;font-weight:600;margin-bottom:18px}
.hero h1{font-size:clamp(2.2rem,5vw,3.5rem);margin-bottom:22px}
.hero h1 em{font-style:italic;color:var(--gold2)}
.hero p.lead{font-size:1.1rem;max-width:540px;margin-bottom:32px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.note{font-size:.85rem;color:var(--muted);margin-top:16px}
.tv{background:var(--navy);border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 30px 60px rgba(39,57,77,.15)}
.tv h3{color:var(--gold2);font-size:1.1rem;margin-bottom:14px}
.tv ul{list-style:none}
.tv li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);font-size:.93rem;color:var(--txt)}
.tv li:last-child{border:0}
.tv li b{color:var(--ink);font-weight:600;text-align:right}
.page-head{padding:70px 0 40px;border-bottom:1px solid var(--line);background:radial-gradient(700px 300px at 20% 0%,rgba(7,104,198,.1),transparent 70%)}
.page-head h1{font-size:clamp(2rem,4.5vw,3rem);margin:10px 0 14px}
.page-head h1 em{font-style:italic;color:var(--gold2)}
.page-head p.lead{font-size:1.1rem;max-width:720px}
.crumbs{font-size:.82rem;color:var(--muted)}
.crumbs a{color:var(--muted)}
section{padding:70px 0}
section.tight{padding:40px 0}
.sec-title{text-align:center;max-width:680px;margin:0 auto 46px}
.sec-title h2{font-size:clamp(1.7rem,3.5vw,2.4rem);margin-bottom:12px}
h2.sec{font-size:1.7rem;margin:44px 0 14px}
h3.sub{font-size:1.2rem;margin:28px 0 8px}
.prose p{margin-bottom:16px}
.prose ul,.prose ol{padding-left:22px;color:var(--txt);margin-bottom:16px}
.prose li{margin-bottom:8px}
.prose strong{color:var(--ink)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.card{background:var(--navy);border:1px solid var(--line);border-radius:12px;padding:26px}
.card .ic{width:44px;height:44px;border-radius:10px;background:rgba(7,104,198,.1);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.card h3{font-size:1.12rem;margin-bottom:8px}
.card p{font-size:.94rem}
.card a.more{display:inline-block;margin-top:12px;font-size:.9rem;font-weight:600}
.alt{background:var(--navy)}
.box{background:var(--navy);border:1px solid var(--line);border-radius:14px;padding:28px;margin:26px 0}
.box h2,.box h3{margin-bottom:12px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:30px;counter-reset:s}
.step{position:relative;padding-left:60px}
.step::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--gold);color:#fff;font-weight:700;display:grid;place-items:center;font-family:"Playfair Display",serif;font-size:1.2rem}
.step h3{font-size:1.08rem;margin-bottom:6px}
.step p{font-size:.94rem}
ol.guide{list-style:none;counter-reset:g;padding:0}
ol.guide li{position:relative;padding:18px 0 18px 64px;border-bottom:1px solid var(--line);color:var(--txt)}
ol.guide li::before{counter-increment:g;content:counter(g);position:absolute;left:0;top:16px;width:42px;height:42px;border-radius:50%;background:var(--gold);color:#fff;font-weight:700;display:grid;place-items:center;font-family:"Playfair Display",serif}
ol.guide li strong{color:var(--ink);display:block;margin-bottom:4px}
.plans{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}
.plan{text-align:center;background:var(--navy);border:1px solid var(--line);border-radius:12px;padding:26px 16px}
.plan.hot{border-color:var(--red);background:linear-gradient(180deg,rgba(223,14,14,.06),var(--navy))}
.plan .d{color:var(--muted);font-size:.82rem;text-transform:uppercase;letter-spacing:1.5px}
.plan .p{font-family:"Playfair Display",serif;font-size:2.1rem;color:var(--ink);margin:8px 0 2px}
.plan .m{color:var(--gold2);font-size:.86rem}
.plan .s{color:var(--muted);font-size:.8rem;margin-top:8px}
.chips{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.chips span,.chips a{border:1px solid var(--line);border-radius:999px;padding:9px 18px;color:var(--ink);font-size:.9rem;background:#fff}
.chips a:hover{border-color:var(--gold)}
.faq details{background:var(--navy);border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:18px 22px}
.faq summary{cursor:pointer;font-weight:600;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--red)}
.faq details[open] summary::after{content:"–"}
.faq p{margin-top:12px;font-size:.95rem}
table.tbl{width:100%;border-collapse:collapse;background:var(--navy);border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.94rem;margin:20px 0}
.tbl th,.tbl td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);color:var(--txt)}
.tbl th{color:var(--gold2);font-family:"Playfair Display",serif;font-size:1rem}
.tbl td:first-child{color:var(--ink);font-weight:500}
.ticks{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px;color:var(--txt)}
.ticks li::before{content:"✓ ";color:var(--gold)}
.final{text-align:center;background:radial-gradient(700px 300px at 50% 100%,rgba(223,14,14,.07),transparent 70%),var(--navy);border-top:1px solid var(--line)}
.final h2{font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:14px}
.final p{margin-bottom:28px}
.post{max-width:780px;margin:0 auto}
.post .meta{color:var(--muted);font-size:.85rem;margin-bottom:24px}
.post h2{font-size:1.5rem;margin:36px 0 12px}
.post h3{font-size:1.2rem;margin:26px 0 8px}
.post p,.post li{font-size:1.02rem}
.post ul,.post ol{padding-left:22px;margin-bottom:16px;color:var(--txt)}
.post p{margin-bottom:16px}
.plist article{background:var(--navy);border:1px solid var(--line);border-radius:12px;padding:26px;margin-bottom:18px}
.plist h3{font-size:1.25rem;margin-bottom:8px}
.plist .meta{color:var(--muted);font-size:.82rem;margin-bottom:10px}
footer{border-top:1px solid var(--line);padding:50px 0 28px;background:#f6faff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;margin-bottom:34px}
footer h4{font-family:Inter;color:var(--ink);font-size:.92rem;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:7px}
footer li a{color:var(--txt);font-size:.88rem}
footer li a:hover{color:var(--gold2)}
footer .about{color:var(--txt);font-size:.88rem;max-width:360px}
.copy{color:#7b8ba3;font-size:.78rem;text-align:center;border-top:1px solid var(--line);padding-top:20px}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.menu{display:none}.hero{padding:60px 0}.ticks{grid-template-columns:1fr}}