:root{
  --navy:#061a2c; --navy2:#0c2b45; --gold:#f5b301; --gold2:#ffcb3d;
  --ink:#0d1b2a; --muted:#5b6b7b; --line:#e6ebf1; --bg:#f7f9fc; --white:#fff;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;border-radius:999px;padding:13px 22px;transition:transform .12s ease,box-shadow .12s ease;font-size:15px}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#1a1200;box-shadow:0 6px 18px rgba(245,179,1,.35)}
.btn-wa{background:#25d366;color:#04310f;box-shadow:0 6px 18px rgba(37,211,102,.32)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.4);color:#fff}
.btn-navy{background:var(--navy);color:#fff}

/* ---------- Header / Nav ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(6,26,44,.94);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px;gap:12px}
.brand{display:flex;align-items:center;gap:11px;color:#fff;font-weight:800;letter-spacing:.2px;flex:none}
.logo{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--gold),var(--gold2));display:flex;align-items:center;justify-content:center;color:#1a1200;font-weight:900;font-size:19px}
.brand small{display:block;font-weight:600;font-size:11px;color:#9fb3c7;letter-spacing:.5px}
.nav-links{display:flex;gap:20px;align-items:center}
.nav-links a{color:#cfe0f0;font-size:14px;font-weight:600;white-space:nowrap}
.nav-links a:hover{color:#fff}
.nav-links a.active{color:var(--gold2)}
.nav .btn{padding:9px 16px;font-size:13.5px}
.lang{border:1px solid rgba(255,255,255,.3);border-radius:8px;padding:5px 10px;font-size:12.5px!important;color:#fff!important;letter-spacing:.5px}
.lang:hover{border-color:var(--gold2);color:var(--gold2)!important}
#nav-toggle{display:none}
.nav-burger{display:none;color:#fff;font-size:26px;cursor:pointer;line-height:1;padding:4px 8px}
@media(max-width:920px){
  .nav-burger{display:block}
  .nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:18px 22px;gap:16px;border-bottom:1px solid rgba(255,255,255,.1)}
  #nav-toggle:checked ~ .nav-links{display:flex}
}

/* ---------- Heroes ---------- */
.hero{background:radial-gradient(1200px 500px at 80% -10%,rgba(245,179,1,.16),transparent 60%),linear-gradient(180deg,var(--navy),var(--navy2));color:#fff;padding:76px 0 84px}
.tagpill{display:inline-block;background:rgba(245,179,1,.14);color:var(--gold2);border:1px solid rgba(245,179,1,.35);padding:6px 14px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.3px;margin-bottom:20px}
.hero h1{font-size:44px;line-height:1.12;font-weight:800;max-width:16ch}
.hero h1 span{color:var(--gold2)}
.hero p.lead{margin-top:18px;font-size:18px;color:#cfe0f0;max-width:56ch}
.hero-cta{margin-top:30px;display:flex;flex-wrap:wrap;gap:14px}
.hero-note{margin-top:18px;font-size:13.5px;color:#9fb3c7}
@media(max-width:760px){.hero h1{font-size:33px}.hero{padding:54px 0 60px}}
.page-hero{background:radial-gradient(900px 380px at 85% -10%,rgba(245,179,1,.14),transparent 60%),linear-gradient(180deg,var(--navy),var(--navy2));color:#fff;padding:56px 0 60px}
.page-hero h1{font-size:36px;line-height:1.15;font-weight:800}
.page-hero p.lead{margin-top:14px;font-size:17px;color:#cfe0f0;max-width:60ch}
.crumb{font-size:13px;color:#9fb3c7;margin-bottom:14px;font-weight:600}
.crumb a:hover{color:#fff}
@media(max-width:760px){.page-hero h1{font-size:28px}}

/* ---------- Sections ---------- */
section{padding:64px 0}
.kicker{color:var(--gold);font-weight:800;font-size:13px;letter-spacing:1.5px;text-transform:uppercase}
h2{font-size:30px;font-weight:800;margin:8px 0 6px;letter-spacing:-.4px}
.sub{color:var(--muted);font-size:16.5px;max-width:62ch}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:34px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}
@media(max-width:760px){.grid,.grid-3{grid-template-columns:1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px;transition:box-shadow .15s ease,transform .15s ease}
.card:hover{box-shadow:0 14px 34px rgba(13,27,42,.08);transform:translateY(-2px)}
.ico{width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold2);display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:19px;font-weight:750;margin-bottom:6px}
.card p{color:var(--muted);font-size:15px}
.card .more{display:inline-block;margin-top:14px;color:var(--navy);font-weight:700;font-size:14.5px}
.card .more:hover{color:var(--gold)}
.steps{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:34px}
@media(max-width:760px){.step-grid{grid-template-columns:1fr}}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--gold);color:#1a1200;font-weight:900;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h4{font-size:16.5px;font-weight:750;margin-bottom:4px}
.step p{color:var(--muted);font-size:14.5px}
.why-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
@media(max-width:760px){.why-list{grid-template-columns:1fr}}
.why{display:flex;gap:12px;align-items:flex-start;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:18px}
.check{color:#1a8f4a;font-size:20px;line-height:1;margin-top:2px}
.why b{display:block;font-size:15.5px}
.why span{color:var(--muted);font-size:14px}
.list{margin:18px 0 0 0;list-style:none}
.list li{padding:10px 0 10px 34px;position:relative;color:#37485a;font-size:15.5px;border-bottom:1px dashed var(--line)}
.list li:last-child{border-bottom:0}
.list li::before{content:"✔";position:absolute;left:4px;color:#1a8f4a;font-weight:700}
.note-box{margin-top:26px;background:#fff7e0;border:1px solid #f2e2ad;border-radius:14px;padding:18px 20px;font-size:14.5px;color:#6b5200}
.faq{margin-top:30px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;font-size:15.5px;list-style:none;position:relative;padding-right:26px}
.faq summary::after{content:"+";position:absolute;right:2px;top:0;color:var(--gold);font-size:20px;font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:10px;color:var(--muted);font-size:14.5px}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(180deg,var(--navy),var(--navy2));color:#fff}
.cta-band h2{color:#fff}
.cta-band .sub{color:#cfe0f0}
.cta-actions{margin-top:26px;display:flex;flex-wrap:wrap;gap:14px}

/* ---------- Contact ---------- */
.cbox{display:grid;grid-template-columns:1.1fr .9fr;gap:26px;margin-top:32px;align-items:stretch}
@media(max-width:760px){.cbox{grid-template-columns:1fr}}
.cpanel{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:26px}
.cpanel-light{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px}
.crow{display:flex;align-items:center;gap:13px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.09)}
.cpanel-light .crow{border-bottom:1px solid var(--line)}
.crow:last-child{border-bottom:0}
.crow .ci{width:42px;height:42px;border-radius:11px;background:rgba(245,179,1,.16);color:var(--gold2);display:flex;align-items:center;justify-content:center;font-size:19px;flex:none}
.cpanel-light .crow .ci{background:var(--navy)}
.crow small{display:block;color:#9fb3c7;font-size:12.5px;font-weight:600;letter-spacing:.4px}
.cpanel-light .crow small{color:var(--muted)}
.crow b{font-size:16px}
.cta-panel{display:flex;flex-direction:column;justify-content:center;gap:14px;text-align:center}
.cta-panel .btn{justify-content:center;width:100%;padding:15px}
.cta-panel p{color:#9fb3c7;font-size:13.5px}
.map{margin-top:34px;border-radius:16px;overflow:hidden;border:1px solid var(--line);line-height:0}
.map iframe{width:100%;height:360px;border:0}

/* ---------- Footer ---------- */
footer{background:#04121f;color:#8ea3b8;padding:42px 0 46px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1.2fr .9fr .9fr;gap:26px}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}}
footer .brand{margin-bottom:8px}
footer h5{color:#cfe0f0;font-size:14px;margin-bottom:10px;letter-spacing:.4px}
footer li{list-style:none;margin-bottom:7px}
footer a:hover{color:#fff}
.disclaimer{margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);font-size:12.5px;color:#66788b;line-height:1.7}