:root{--bg:#fff;--bg2:#F3F5F8;--ink:#0F2A43;--mut:#5B6B7A;--gold:#C8A15A;--line:#E1E6EC;--hdr:rgba(255,255,255,.94);--btn:#0F2A43;--btnt:#fff;--hero:#0F2A43;--herot:#fff;color-scheme:light}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0B1B2B;--bg2:#10253A;--ink:#EAF0F6;--mut:#A9B8C6;--line:#1F3850;--hdr:rgba(11,27,43,.94);--btn:#C8A15A;--btnt:#0B1B2B;--hero:#10253A;--herot:#fff;color-scheme:dark}}
:root[data-theme="dark"]{--bg:#0B1B2B;--bg2:#10253A;--ink:#EAF0F6;--mut:#A9B8C6;--line:#1F3850;--hdr:rgba(11,27,43,.94);--btn:#C8A15A;--btnt:#0B1B2B;--hero:#10253A;--herot:#fff;color-scheme:dark}
:root{box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
html{scroll-padding-top:env(safe-area-inset-top,0px)}
*,*::before,*::after{box-sizing:inherit}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.7 Montserrat,"Helvetica Neue",Arial,sans-serif}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);background:var(--hdr);z-index:30}
a{color:inherit}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--hdr);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand b{font-size:20px;letter-spacing:.2em;font-weight:600;display:block;line-height:1.1}
.brand small{display:block;font-size:8.5px;letter-spacing:.28em;color:var(--mut);font-weight:500}
nav{display:flex;gap:4px 22px;flex-wrap:wrap}
nav a{font-size:13px;font-weight:500;text-decoration:none;color:var(--mut);padding:6px 0;border-bottom:2px solid transparent}
nav a:hover,nav a.on{color:var(--ink);border-color:var(--gold)}
.btn{display:inline-block;background:var(--btn);color:var(--btnt);padding:14px 28px;border-radius:4px;font:600 13px Montserrat,Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;border:0;cursor:pointer}
.btn.ghost{background:transparent;color:inherit;border:1.5px solid currentColor}

.hero{background:var(--hero);color:var(--herot);padding:96px 0 104px}
.hero h1{font-size:clamp(30px,5.4vw,54px);line-height:1.15;margin:0 0 20px;font-weight:600;max-width:760px}
.hero p{font-size:18px;max-width:600px;opacity:.85;margin:0 0 34px}
.hero .btn{background:var(--gold);color:#0B1B2B}
.hero .btn.ghost{background:transparent;color:#fff;margin-left:10px}
.eyebrow{font-size:12px;letter-spacing:.3em;color:var(--gold);font-weight:600;text-transform:uppercase;margin:0 0 14px}
section.blk{padding:72px 0}
section.alt{background:var(--bg2)}
h2{font-size:clamp(24px,3.4vw,34px);margin:0 0 18px;font-weight:600;line-height:1.25}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:34px}
.card{background:var(--bg);border:1px solid var(--line);border-top:3px solid var(--gold);padding:28px 24px;border-radius:4px}
.alt .card{background:var(--bg)}
.card h3{margin:0 0 8px;font-size:18px}
.card p{margin:0;color:var(--mut);font-size:15px}
.num{color:var(--gold);font-weight:700;font-size:13px;letter-spacing:.2em}
.cta{text-align:center}.cta p{color:var(--mut);max-width:560px;margin:0 auto 28px}
.head{padding:64px 0 36px;border-bottom:1px solid var(--line);background:var(--bg2)}
.head h1{margin:0;font-size:clamp(28px,4.4vw,42px);font-weight:600}
.head p{margin:10px 0 0;color:var(--mut)}
.doc{padding:44px 0 80px;max-width:800px}
.doc h2{font-size:20px;margin:34px 0 8px}
.doc p,.doc li{color:var(--mut);font-size:15.5px}
.doc ul{padding-left:20px}
.doc strong{color:var(--ink)}
.note{border-left:3px solid var(--gold);background:var(--bg2);padding:14px 18px;font-size:14px;color:var(--mut);margin:0 0 26px}
.split{display:grid;gap:40px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));padding:56px 0 80px}
label{display:block;font-size:13px;font-weight:600;margin:0 0 6px}
input,select,textarea{width:100%;font:400 15px Montserrat,Arial,sans-serif;color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:4px;padding:12px 14px;margin-bottom:18px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
textarea{min-height:140px;resize:vertical}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--mut);margin-bottom:20px}
.chk input{width:auto;margin:4px 0 0}
.ok{display:none;margin-top:18px;padding:14px 18px;border:1px solid var(--gold);border-radius:4px;font-size:14px}
.info p{margin:0 0 4px;color:var(--mut)}.info strong{display:block;margin-top:20px;color:var(--ink)}
footer{background:var(--hero);color:#fff;padding:52px 0 30px;font-size:14px}
footer .cols{display:grid;gap:30px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
footer h4{margin:0 0 10px;font-size:12px;letter-spacing:.22em;color:var(--gold);text-transform:uppercase}
footer a{display:block;text-decoration:none;opacity:.85;padding:3px 0}footer a:hover{opacity:1}
footer p{margin:0 0 4px;opacity:.85}
.legal{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15);font-size:12px;opacity:.7}
@media(max-width:640px){.hero{padding:64px 0 72px}.hero .btn.ghost{margin:12px 0 0}nav{gap:2px 16px}}

.wa{position:fixed;right:18px;bottom:calc(18px + env(safe-area-inset-bottom,0px));width:56px;height:56px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.28);z-index:25;transition:transform .15s}
.wa:hover{transform:scale(1.07)}
.cb .wa{bottom:calc(var(--cbh,140px) + 18px + env(safe-area-inset-bottom,0px))}
.cookie{position:fixed;left:0;right:0;bottom:0;z-index:40;background:var(--hero);color:#fff;padding:16px 22px calc(16px + env(safe-area-inset-bottom,0px));display:flex;gap:14px 24px;align-items:center;justify-content:space-between;flex-wrap:wrap;font-size:14px;box-shadow:0 -6px 24px rgba(0,0,0,.2)}
.cookie[hidden]{display:none}
.cookie p{margin:0;flex:1 1 380px}.cookie a{color:var(--gold);display:inline;opacity:1}
.cookie div{display:flex;gap:10px}
.cookie .btn{padding:10px 20px;font-size:12px;background:var(--gold);color:#0B1B2B;border:1.5px solid var(--gold)}
.cookie .btn.ghost{background:transparent;color:#fff;border-color:#fff}
.quote p{font-size:16px;color:var(--ink);font-style:italic;margin:0 0 18px}
.quote b{display:block;font-size:14px}.quote small{color:var(--mut);font-size:13px}
.acts{display:flex;gap:12px;flex-wrap:wrap}.btn.wbtn{background:#25D366;color:#0B1B2B}