:root{--navy:#172A46;--ice:#F2F0EB;--gold:#B8904A;--ink:#1d2b3f;--line:#d9d6cf;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:var(--ice);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}a{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:68px}
.brand img{height:62px;width:auto}
nav{display:flex;gap:22px;align-items:center}
nav a{text-decoration:none;font-weight:600;font-size:15px;color:var(--navy)}
#menu{display:none;background:none;border:1px solid var(--navy);color:var(--navy);border-radius:8px;padding:8px 12px;font-size:15px}
.btn{display:inline-block;background:var(--navy);color:var(--ice)!important;padding:14px 26px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid var(--navy);cursor:pointer;font-size:16px;font-family:inherit}
.btn.alt{background:transparent;color:var(--navy)!important}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff!important}
.hero{background:var(--navy);color:var(--ice);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.3fr .7fr;gap:30px;align-items:end;padding-top:56px}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.15;margin:0 0 16px}
.hero p{font-size:19px;max-width:560px;opacity:.92}
.hero .acts{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 56px}
.hero .btn{background:var(--gold);border-color:var(--gold);color:#fff!important}
.hero .btn.alt{background:transparent;border-color:var(--ice);color:var(--ice)!important}
.hero img{max-height:460px;margin:0 auto 0;width:auto;border-radius:22px 22px 0 0}
section{padding:64px 0}
h2{font-size:clamp(26px,4vw,34px);color:var(--navy);margin:0 0 10px;line-height:1.2}
.sub{color:#4a566a;max-width:640px;margin:0 0 30px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{margin:0 0 6px;color:var(--navy);font-size:19px}.card p{margin:0;font-size:16px}
.card .n{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--ice);align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
.alt-bg{background:var(--white)}
.alt-bg .card{background:var(--ice)}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.faq p{margin:10px 0 0}
.cta{background:var(--navy);color:var(--ice);text-align:center}
.cta h2{color:var(--ice)}.cta .btn{background:var(--gold);border-color:var(--gold);color:#fff!important}
.pend{background:#fff6e0;border:1px dashed #c9a24b;border-radius:10px;padding:10px 14px;font-size:14px;color:#6b5420}
.notice{background:#e8eef7;border-left:5px solid var(--navy);padding:12px 16px;border-radius:6px;font-size:15px;margin:0 0 24px}
.page-h{background:var(--navy);color:var(--ice);padding:44px 0}.page-h h1{margin:0;font-size:clamp(28px,4.5vw,40px)}.page-h p{margin:8px 0 0;opacity:.9}
form label{display:block;font-weight:600;margin:14px 0 6px;color:var(--navy)}
form input,form select,form textarea{width:100%;padding:13px;border:1px solid #b9b5ac;border-radius:10px;font-size:16px;font-family:inherit;background:#fff}
ul.ok{padding-left:0;list-style:none}ul.ok li{padding-left:28px;position:relative;margin:8px 0}ul.ok li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}
footer{background:#0f1c30;color:#cfd4dc;padding:36px 0;font-size:14px}
footer a{color:#fff}footer .cols{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero img{max-height:300px}.grid{grid-template-columns:1fr}
#menu{display:block}nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px;border-bottom:1px solid var(--line)}nav.open{display:flex}section{padding:44px 0}}