:root{
  --navy:#102033;
  --navy2:#1b2e45;
  --gold:#b8944f;
  --gold2:#d3b779;
  --ivory:#faf8f3;
  --white:#ffffff;
  --text:#17212f;
  --muted:#667283;
  --line:#e9e3d8;
  --green:#1d7b58;
  --max:1160px;
  --shadow:0 20px 60px rgba(16,32,51,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.65}
a{color:inherit}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:#dbe3ec;font-size:13px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.topbar a{color:#fff;text-decoration:none}
.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(233,227,216,.9)}
.nav{height:80px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none;color:var(--navy);font-weight:800}
.logo{width:50px;height:50px;border-radius:50%;border:1.5px solid var(--gold);display:grid;place-items:center;font-family:Georgia,serif;font-size:24px;letter-spacing:-2px;color:var(--navy);background:linear-gradient(145deg,#fff,#f7f2e7)}
.brand small{display:block;color:var(--muted);font-size:10px;letter-spacing:.14em;text-transform:uppercase;font-weight:700}
.navlinks{display:flex;align-items:center;gap:21px;font-size:14px;font-weight:700}
.navlinks a{text-decoration:none;color:#334155}
.navlinks a:hover{color:var(--gold)}
.navcta{background:var(--navy);color:#fff!important;padding:11px 16px;border-radius:10px}
.hero{padding:92px 0 80px;background:radial-gradient(circle at 83% 23%,rgba(184,148,79,.16),transparent 34%),linear-gradient(180deg,#fff,#fbfaf7)}
.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:62px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.17em;color:var(--gold);font-weight:800;font-size:12px;margin-bottom:14px}
h1,h2,h3{color:var(--navy);line-height:1.13;margin-top:0}
h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(48px,6.5vw,76px);letter-spacing:-.035em;margin-bottom:24px}
h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,4.4vw,50px);letter-spacing:-.025em;margin-bottom:16px}
h3{margin-bottom:10px}
.lead{font-size:19px;color:#556172;max-width:720px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 22px}
.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:11px;padding:13px 19px;font-weight:800;border:1px solid transparent}
.primary{background:var(--navy);color:#fff}
.secondary{background:#fff;border-color:#d9d2c5;color:var(--navy)}
.trust{display:flex;gap:16px;flex-wrap:wrap;color:#596576;font-size:13px}
.trust span:before{content:"✓";color:var(--green);font-weight:900;margin-right:7px}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:26px;padding:30px;box-shadow:var(--shadow)}
.hero-panel .mg{width:86px;height:86px;border-radius:50%;display:grid;place-items:center;border:1.5px solid var(--gold);font:700 40px Georgia,serif;color:var(--navy);margin-bottom:26px}
.hero-panel p{color:var(--muted)}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;border-top:1px solid var(--line);padding-top:22px;margin-top:24px}
.hero-stats strong,.hero-stats span{display:block}
.hero-stats strong{color:var(--navy)}
.hero-stats span{font-size:11px;color:var(--muted)}
.section{padding:84px 0}
.alt{background:var(--ivory)}
.section-head{max-width:760px;margin-bottom:34px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:0 8px 24px rgba(16,32,51,.04)}
.card p{color:var(--muted);margin-bottom:0}
.num{width:38px;height:38px;border-radius:50%;background:#f4eee1;color:#7b602b;display:grid;place-items:center;font-weight:900;margin-bottom:17px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{background:#fff;border-top:3px solid var(--gold);border-radius:0 0 14px 14px;padding:24px}
.step span{font-size:11px;color:var(--gold);font-weight:900;letter-spacing:.12em}
.step strong{display:block;color:var(--navy);margin:8px 0}
.step p{color:var(--muted);margin:0;font-size:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start}
.notice{border-left:4px solid var(--gold);background:#fbf8f1;padding:18px 20px;border-radius:10px;color:#4f5a69}
.paycard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.badge{display:inline-block;background:#f3ede0;border:1px solid #e3d5b8;color:#765a22;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:800}
.pagehero{padding:60px 0 44px;background:linear-gradient(180deg,#fbfaf7,#fff)}
.pagehero p{max-width:780px;color:var(--muted);font-size:18px}
.prose{max-width:860px}
.prose h2{font-size:30px;margin-top:34px}
.prose p,.prose li{color:#526071}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:24px}
.contact-card,.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.contact-row{padding:13px 0;border-bottom:1px solid #eee8de}
.contact-row:last-child{border-bottom:0}
.contact-row small{display:block;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.1em}
.contact-row a{text-decoration:none;color:var(--navy);font-weight:800}
label{display:block;font-size:13px;font-weight:800;margin:12px 0 6px}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #d9d2c5;border-radius:10px;font:inherit;background:#fff}
textarea{min-height:115px;resize:vertical}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.small{font-size:12px;color:var(--muted)}
.footer{background:var(--navy);color:#d8e0e9;padding:46px 0 26px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:38px}
.footer h4{color:#fff;margin-top:0}
.footer a{color:#d8e0e9;text-decoration:none}
.footer a:hover{color:var(--gold2)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12px;color:#9dacbc}
@media(max-width:900px){
  .nav{height:auto;min-height:80px;flex-wrap:wrap;padding:12px 0}
  .navlinks{display:flex;width:100%;gap:9px;overflow-x:auto;padding:2px 0 10px;scrollbar-width:thin}
  .navlinks>a{white-space:nowrap;font-size:12px}
  .navcta{padding:8px 11px}
  .hero-grid,.split,.contact-grid,.footer-grid{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .container{width:min(var(--max),calc(100% - 24px))}
  .steps,.formgrid,.hero-stats{grid-template-columns:1fr}
  .actions{flex-direction:column}
  .btn{width:100%}
  .topbar .container{flex-direction:column;gap:2px}
}

.lang-switch{display:flex;align-items:center;gap:5px;margin-left:4px}
.lang-switch a{font-size:12px;padding:5px 7px;border-radius:7px;border:1px solid #ddd6c9;color:#586477;text-decoration:none;line-height:1}
.lang-switch a:hover,.lang-switch a.active{background:#f4eee1;color:#765a22;border-color:#d8c39a}