:root{--ink:#060f1f;--navy:#0a1f3c;--gold:#c9a84c;--gold2:#e3ce8f;--paper:#f6f4ee;--text:#132340;--muted:#51607b;--line:#e4e0d4}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Arial,sans-serif;color:var(--text);background:var(--paper);line-height:1.65}a{color:inherit}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.nav{background:var(--ink);color:#fff;position:sticky;top:0;z-index:10;border-bottom:1px solid #ffffff1c}.nav .wrap{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:1.35rem;font-weight:800;text-decoration:none}.brand span{color:var(--gold)}.nav-links{display:flex;gap:20px;align-items:center}.nav-links a{text-decoration:none;font-weight:700}.quote{background:var(--gold);color:var(--ink);padding:11px 18px;border-radius:9px}.hero{color:#fff;background:radial-gradient(circle at 80% 20%,#c9a84c24,transparent 36%),linear-gradient(145deg,var(--ink),#0e2a55);padding:92px 0 82px;overflow:hidden}.crumb{color:#a6b2c7;font-size:.85rem;margin-bottom:20px}.crumb a{color:var(--gold2)}.eyebrow{font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2);font-weight:700}.hero h1{font-size:clamp(2.4rem,6vw,4.6rem);line-height:1.04;max-width:16ch;margin:14px 0 22px}.hero p{font-size:1.18rem;color:#d5dbe5;max-width:720px}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-block;text-decoration:none;font-weight:800;padding:14px 22px;border-radius:10px;background:var(--gold);color:var(--ink)}.btn.alt{background:transparent;color:#fff;border:1px solid #ffffff55}.lane{background:var(--ink);color:var(--gold2);padding:13px 0;font-weight:700;letter-spacing:.08em;text-align:center}.section{padding:72px 0}.section.white{background:#fff}.section h2{font-size:clamp(1.8rem,4vw,2.7rem);line-height:1.15;margin-bottom:16px}.lead{font-size:1.1rem;color:var(--muted);max-width:760px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 8px 28px #0a1f3c0b}.card h3{margin-bottom:8px}.card p,.section li{color:var(--muted)}.card strong{color:var(--navy);font-size:1.1rem}.table-wrap{overflow-x:auto;margin-top:28px}.table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{text-align:left;padding:15px;border:1px solid var(--line)}.table th{background:var(--navy);color:#fff}.steps{display:grid;gap:14px;margin-top:28px;counter-reset:s}.steps li{list-style:none;background:#fff;border-left:4px solid var(--gold);padding:18px 20px;counter-increment:s}.steps li:before{content:counter(s) ". ";font-weight:800;color:var(--gold)}.links{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.links a{background:#fff;border:1px solid var(--line);padding:10px 14px;border-radius:8px;text-decoration:none;font-weight:700}.faq{max-width:820px}.faq details{background:#fff;border:1px solid var(--line);padding:18px 20px;margin-top:12px;border-radius:10px}.faq summary{font-weight:800;cursor:pointer}.footer{background:var(--ink);color:#a6b2c7;padding:42px 0}.footer a{color:var(--gold2)}@media(max-width:760px){.grid{grid-template-columns:1fr}.nav-links a:not(.quote){display:none}.hero{padding:70px 0}.section{padding:54px 0}}