:root{
  --navy:#3d4a52; --navy2:#33424a; --gold:#6e7e88; --gold2:#8b97a0; --gold3:#c9a227;
  --bg:#f4f6f8; --ink:#1e2a33; --muted:#5f6b76; --line:#e2e8ee; --ok:#1e8e5a;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.menu-toggle{display:none;background:none;border:1.5px solid rgba(255,255,255,.35);color:#fff;border-radius:8px;padding:8px 12px;font-size:18px;cursor:pointer;line-height:1}
.menu-toggle:hover{border-color:#fff}
@media(max-width:860px){
  .menu-toggle{display:block}
  header.top .wrap{position:relative}
  .topnav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:10px 0 14px;box-shadow:0 12px 24px rgba(0,0,0,.3);z-index:100}
  .topnav.open{display:flex}
  .topnav a{margin:0;padding:11px 22px;font-size:15px;border-bottom:1px solid rgba(255,255,255,.07)}
  .topnav a:last-child{border-bottom:none}
  .brand{font-size:14px}
  .brand small{font-size:10px}
  .hero{padding:52px 0 64px}
  .hero h1{font-size:26px}
  .hero p.sub{font-size:15.5px}
  section{padding:44px 0}
  .sec-title{font-size:23px}
  .formbox{padding:26px 20px}
  .wa-float{right:12px;bottom:12px;padding:8px 12px 8px 16px;font-size:13px}
  .wa-float .wa-icon{width:32px;height:32px;flex:0 0 32px}
  .wa-float .wa-icon svg{width:18px;height:18px}
}
.brand{font-weight:700;letter-spacing:.2px;font-size:15px}
.brand small{display:block;font-weight:400;color:#c8cfdd;font-size:11px}
.topnav a{color:#dbe2ee;text-decoration:none;margin-left:20px;font-size:14px}
.topnav a:hover{color:#fff}
.hero{background:linear-gradient(rgba(44,52,58,.76),rgba(36,44,50,.85)),url('/hero-bg.jpg') center/cover no-repeat;color:#fff;padding:96px 0 104px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.18),transparent 70%)}
.hero-flex{display:flex;align-items:center;gap:48px}
.hero-text{flex:1;min-width:0}
.hero-photo{flex:0 0 300px}
.hero-photo img{width:100%;height:380px;object-fit:cover;object-position:center 18%;border-radius:18px;border:3px solid #6e7e88;box-shadow:0 12px 32px rgba(0,0,0,.4);display:block}
@media(max-width:860px){
  .hero-flex{flex-direction:column-reverse;gap:24px;text-align:center}
  .hero-photo{flex:0 0 auto;width:170px;margin:0 auto}
  .hero-photo img{width:170px;height:210px;object-position:center 15%}
  .hero-text{width:100%}
  .hero h1{font-size:25px;line-height:1.2}
}
.hero .kicker{color:#b8c2c9;font-weight:600;font-size:13px;text-transform:uppercase;letter-spacing:1.5px}
.hero h1{font-size:clamp(30px,4.8vw,48px);line-height:1.12;margin:14px 0 16px;font-weight:800;max-width:760px;text-shadow:0 2px 12px rgba(10,18,32,.45)}
.hero p.sub{color:#d5dcea;max-width:640px;font-size:17px;text-shadow:0 1px 8px rgba(10,18,32,.4)}
.btn{display:inline-block;border:none;cursor:pointer;text-decoration:none;font-weight:700;font-size:15px;border-radius:999px;padding:14px 26px;transition:.2s}
.btn-gold{background:#6e7e88;color:#fff}
.btn-gold:hover{background:#8b97a0}
.btn-outline{border:1.5px solid rgba(255,255,255,.5);color:#fff}
.btn-outline:hover{border-color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.hero .cta-row{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
section{padding:64px 0}
.sec-title{font-size:clamp(22px,3vw,30px);font-weight:800;margin-bottom:8px}
.sec-sub{color:var(--muted);margin-bottom:34px;max-width:640px}
.grid{display:grid;gap:20px}
.grid.cols3{grid-template-columns:repeat(3,1fr)}
.grid.cols2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.grid.cols3,.grid.cols2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 1px 2px rgba(22,36,61,.05)}
.card h3{font-size:18px;margin-bottom:8px}
.card p{color:var(--muted);font-size:14.5px}
.card .tag{display:inline-block;background:#eef0f1;color:#5a656e;font-size:11.5px;font-weight:700;padding:4px 10px;border-radius:999px;margin-bottom:12px;letter-spacing:.4px}
.card a.more{display:inline-block;margin-top:14px;color:var(--navy);font-weight:700;font-size:14px;text-decoration:none}
.card a.more:hover{color:var(--gold)}
.steps .step{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}
.step .num{flex:0 0 40px;height:40px;border-radius:50%;background:#6e7e88;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.step h3{font-size:16.5px;margin-bottom:4px}
.step p{color:var(--muted);font-size:14.5px}
.about{background:#fff}
.about .wrap{display:grid;grid-template-columns:120px 1fr;gap:28px;align-items:center}
@media(max-width:640px){.about .wrap{grid-template-columns:1fr}}
.avatar{width:120px;height:120px;border-radius:50%;object-fit:cover;object-position:center 25%;border:3px solid #6e7e88}
.about h3{font-size:20px;margin-bottom:8px}
.about p{color:var(--muted);font-size:15px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px}
.faq summary{font-weight:700;cursor:pointer;font-size:15.5px;list-style:none;position:relative;padding-right:28px}
.faq summary::after{content:"+";position:absolute;right:0;top:-2px;font-size:20px;color:var(--gold)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:10px;color:var(--muted);font-size:14.5px}
.formbox{background:#3d4a52;border-radius:20px;padding:40px;color:#fff}
.formbox h3{font-size:clamp(20px,3vw,26px);margin-bottom:6px}
.formbox p{color:#c9d2e2;margin-bottom:24px;font-size:15px}
.formbox label{display:block;font-size:13.5px;font-weight:600;margin:14px 0 6px;color:#dbe2ee}
.formbox input,.formbox textarea{width:100%;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.08);border-radius:10px;padding:12px 14px;color:#fff;font-size:15px;font-family:inherit}
.formbox input::placeholder,.formbox textarea::placeholder{color:#8f9ab0}
.formbox input:focus,.formbox textarea:focus{outline:2px solid #6e7e88;border-color:transparent}
.formbox .btn{margin-top:20px;width:100%;text-align:center}
footer{background:#101a2c;color:#9aa5b8;padding:34px 0;font-size:13.5px}
footer a{color:#c8cfdd;text-decoration:none}
.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;background:#fff;color:var(--navy);border-radius:999px;display:flex;align-items:center;gap:10px;padding:10px 16px 10px 20px;box-shadow:0 6px 18px rgba(0,0,0,.3);text-decoration:none;font-weight:700;font-size:14.5px}
.wa-float .wa-icon{background:#25d366;border-radius:50%;width:38px;height:38px;display:flex;align-items:center;justify-content:center;flex:0 0 38px}
.wa-float .wa-icon svg{width:22px;height:22px;fill:#fff}
.wa-float:hover{box-shadow:0 8px 22px rgba(0,0,0,.4)}
.crumb{display:inline-block;margin-bottom:18px;color:#9aa5b8;font-size:13.5px;text-decoration:none}
.crumb:hover{color:var(--navy)}
.cred{color:#b8c2c9;font-weight:600;font-size:13.5px;margin-top:14px}
.notice{background:#eef4ff;border:1px solid #d5e2f8;color:#33507e;border-radius:12px;padding:14px 18px;font-size:13.5px;margin-top:26px}

.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:820px){.news-grid{grid-template-columns:1fr}}
.news-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;display:flex;flex-direction:column;text-decoration:none;color:var(--ink);transition:.2s}
.news-card:hover{box-shadow:0 4px 14px rgba(22,36,61,.1);transform:translateY(-2px)}
.news-card h3{font-size:17px;margin:10px 0 8px;color:var(--navy)}
.news-card p{color:var(--muted);font-size:14px;flex:1}
.news-date{display:inline-block;color:#5a656e;background:#eef0f1;font-size:11.5px;font-weight:700;padding:4px 10px;border-radius:999px;align-self:flex-start}
.news-more{margin-top:14px;color:var(--navy);font-weight:700;font-size:14px}
.article{max-width:760px}
.article h2{color:var(--navy);font-size:21px;margin:28px 0 10px}
.article p{margin:12px 0;color:#333c4e;font-size:15.5px}
.article ul{margin:12px 0 12px 20px;color:#333c4e;font-size:15.5px}
.article li{margin:6px 0}
.article a{color:var(--navy);font-weight:600}
.article .meta{color:var(--muted);font-size:13.5px;border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:18px}