:root{--navy:#0a1f44;--gold:#c6a664;--teal:#4ec6c1;--cream:#f7f4ee;--ink:#182131;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Montserrat,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.wrap{width:min(1160px,90%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(10,31,68,.1);backdrop-filter:blur(12px)}nav{min-height:112px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand img{width:310px;max-height:102px;object-fit:contain}.links{display:flex;align-items:center;gap:26px;font-size:.88rem;font-weight:600}.button{display:inline-flex;align-items:center;justify-content:center;padding:12px 20px;border:0;border-radius:3px;background:var(--gold);color:var(--navy);font:inherit;font-weight:700;transition:.2s}.button:hover{transform:translateY(-2px);filter:brightness(1.04)}
.hero{background:var(--navy);color:#fff;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;min-height:570px}.hero-copy{padding:92px 8vw 82px max(5vw,calc((100vw - 1160px)/2));display:flex;flex-direction:column;justify-content:center}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.18em;font-size:.75rem;font-weight:700}.hero h1{font-family:"Playfair Display",serif;font-size:clamp(2.6rem,5vw,4.7rem);line-height:1.05;margin:18px 0 24px;font-weight:600}.hero p{font-size:1.06rem;max-width:620px;color:#dbe1ea;margin:0 0 30px}.hero-photo{position:relative;min-height:430px}.hero-photo img{width:100%;height:100%;object-fit:cover}.hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,31,68,.35),transparent 45%)}
section{padding:86px 0}.section-head{max-width:760px;margin-bottom:40px}.section-head h2,.split h2,.cta h2{font-family:"Playfair Display",serif;color:var(--navy);font-size:clamp(2rem,3.5vw,3.2rem);line-height:1.15;margin:10px 0 14px}.section-head p,.split p{margin:0;color:#5c6675}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}.card{padding:30px;border:1px solid #e3e6ea;border-top:4px solid var(--gold);background:#fff;display:flex;flex-direction:column}.card h3{font-family:"Playfair Display",serif;color:var(--navy);font-size:1.42rem;line-height:1.25;margin:10px 0 12px}.card p{margin:0;color:#5c6675;line-height:1.72}.number{color:var(--gold);font-weight:700}.soft{background:var(--cream)}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}.steps{display:grid;gap:1px;background:#d9d5cc;border:1px solid #d9d5cc}.step{background:var(--cream);padding:25px;display:grid;grid-template-columns:42px 1fr;gap:15px}.step>div:only-child{grid-column:1/-1}.step span{color:var(--gold);font-weight:700}.step strong{color:var(--navy)}.reasons{background:var(--navy);color:#fff}.reasons .section-head h2{color:#fff}.reasons .section-head p{color:#dbe1ea}.checks{display:grid;grid-template-columns:1fr 1fr;gap:0 46px}.check{padding:18px 0;border-bottom:1px solid rgba(255,255,255,.16);display:flex;gap:14px}.check b{color:var(--teal)}
.faq-list{display:grid;gap:12px;max-width:880px}.faq{border:1px solid #e0d9cb;background:#fff;padding:22px 24px}.faq h3{font-family:"Playfair Display",serif;color:var(--navy);font-size:1.25rem;margin:0 0 7px}.faq p{margin:0;color:#5c6675}.cta{background:#fff}.cta-card{padding:58px 7%;background:var(--cream);border:1px solid #e0d9cb;display:grid;grid-template-columns:minmax(0,1fr) 230px;align-items:center;gap:48px}.cta-card>div:first-child{min-width:0}.cta-card h2{max-width:720px}.cta p{margin:0;color:#596372;max-width:680px}.cta-actions{display:grid;gap:12px;width:100%}.cta-actions .button{width:100%;text-align:center}.button-outline{border:1px solid var(--navy);background:transparent;color:var(--navy)}
footer{background:#07162f;color:#cad2de;padding:40px 0}.foot{display:flex;justify-content:space-between;gap:28px;align-items:center}.foot strong{color:#fff}.foot small{display:block}.foot a{color:var(--gold)}.foot .legal-links{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:9px}
@media(max-width:880px){.links a:not(.button){display:none}.hero-grid,.split{grid-template-columns:1fr}.hero-copy{padding:76px 6%}.hero-photo{height:370px}.cards,.checks{grid-template-columns:1fr}.split{gap:40px}.cta-card{grid-template-columns:1fr;align-items:start;gap:28px}.cta-actions{max-width:320px}.foot{flex-direction:column;align-items:flex-start}.brand img{width:260px;max-height:92px}}
@media(max-width:520px){nav{min-height:84px;gap:12px}.brand img{width:205px;max-height:76px}.links .button{padding:10px 13px}.hero h1{font-size:2.55rem}section{padding:64px 0}.cta-card{padding:42px 7%}}