:root{--navy:#0b1f33;--navy-2:#102c47;--navy-3:#173b5d;--gold:#c9a75e;--gold-2:#e3cc95;--cream:#f6f3ed;--white:#fff;--ink:#15212d;--muted:#66717c;--line:#dfe4e7;--soft:#eef3f5;--green:#2f7668;--shadow:0 16px 42px rgba(12,32,50,.12);--radius:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.68;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:18px;top:12px;background:#fff;color:#000;padding:10px 14px;z-index:200;border-radius:8px}.topbar{background:#071827;color:#d8e2e9;font-size:.82rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}.topbar a{color:#fff}.header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid 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ease}.btn-primary{background:var(--gold);color:#10202d}.btn-primary:hover{background:#d7b86f;transform:translateY(-1px)}.btn-secondary{border-color:#b5c0c8;color:var(--navy);background:#fff}.btn-secondary:hover{border-color:var(--gold);color:#8a6c2c}.btn-dark{background:var(--navy);color:#fff}.eyebrow,.kicker{display:inline-block;text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.75rem;color:#997a3d}.hero{background:linear-gradient(120deg,#071827 0%,#0d2942 62%,#173d5e 100%);color:#fff;overflow:hidden;position:relative}.hero:before{content:"";position:absolute;width:560px;height:560px;border:1px solid rgba(201,167,94,.16);border-radius:50%;right:-220px;top:-280px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center;padding:78px 0 72px}.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.55rem,5vw,4.8rem);line-height:1.03;font-weight:500;margin:14px 0 24px;max-width:850px}.hero h1 span{color:var(--gold-2)}.hero .lead{font-size:1.12rem;max-width:720px;color:#d7e0e7}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:29px}.trust-row{display:flex;flex-wrap:wrap;gap:20px;margin-top:30px;color:#c8d4dd;font-size:.9rem}.trust-row strong{color:#fff}.hero-photo{position:relative}.hero-photo .frame{border-radius:28px;overflow:hidden;border:1px solid rgba(255,255,255,.18);box-shadow:0 28px 70px rgba(0,0,0,.3);background:#fff}.hero-photo img{width:100%;aspect-ratio:4/3;object-fit:cover}.hero-photo .badge{position:absolute;left:-24px;bottom:26px;background:#fff;color:var(--navy);padding:16px 18px;border-radius:16px;box-shadow:var(--shadow);max-width:240px}.hero-photo .badge strong{display:block;font-family:Georgia,serif;font-size:1.1rem}.section{padding:86px 0}.section-soft{background:var(--cream)}.section-blue{background:var(--navy);color:#fff}.section-head{max-width:790px;margin-bottom:34px}.section-head h2,.content h1,.content h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-weight:500;line-height:1.12}.section-head h2{font-size:clamp(2rem,3.7vw,3.4rem);margin:8px 0 15px}.section-blue .section-head h2{color:#fff}.section-head p{font-size:1.05rem;color:var(--muted)}.section-blue .section-head p{color:#d7e1e9}.problem-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.problem-card{border:1px solid var(--line);border-radius:18px;padding:21px;background:#fff;min-height:132px;display:flex;flex-direction:column;justify-content:space-between;transition:.2s}.problem-card:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 12px 28px rgba(17,42,64,.08)}.problem-card .icon{font-size:1.45rem}.problem-card strong{font-size:.98rem;color:var(--navy)}.navigator{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);margin-top:34px}.navigator form{display:grid;grid-template-columns:1fr auto;gap:10px}.navigator input{width:100%;border:1px solid #cdd5da;border-radius:999px;padding:14px 18px;outline:none}.navigator input:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,167,94,.14)}.nav-result{display:none;margin-top:18px;border-top:1px solid var(--line);padding-top:18px}.nav-result.active{display:block}.result-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:11px}.result-links a{background:var(--soft);border-radius:999px;padding:9px 12px;font-weight:700;color:var(--navy);font-size:.9rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:27px}.card h3{font-family:Georgia,serif;color:var(--navy);font-size:1.35rem;margin:5px 0 10px}.card p{color:var(--muted)}.card a.text-link{font-weight:800;color:#8c6b2d}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:13px;margin-top:30px}.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.step 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p{margin:0;color:#d8e2e9}.breadcrumb{font-size:.82rem;color:#71808d;padding:22px 0 0}.breadcrumb a{color:#536674}.page-hero{padding:52px 0 48px;background:linear-gradient(180deg,#f5f2eb,#fff)}.page-hero .wrap{max-width:880px}.page-hero h1{font-family:Georgia,serif;font-weight:500;color:var(--navy);font-size:clamp(2.4rem,5vw,4.2rem);line-height:1.08;margin:10px 0 18px}.page-hero .lead{font-size:1.13rem;color:#52616d;max-width:800px}.content-wrap{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:54px;align-items:start;padding:48px 0 88px}.content h2{font-size:2rem;margin:46px 0 12px}.content h3{font-size:1.2rem;color:var(--navy);margin-top:28px}.content p,.content li{color:#3e4b56}.content ul{padding-left:22px}.content .highlight{border-left:4px solid var(--gold);background:#faf7f0;padding:17px 20px;border-radius:0 13px 13px 0;color:var(--navy);font-weight:650;margin:26px 0}.content .flow{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:22px 0}.content .flow 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rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.8rem;display:flex;justify-content:space-between;gap:20px}.mobile-bar{display:none}.legal-page{max-width:840px;margin:auto}.legal-page .notice{background:#fff3cd;border:1px solid #e5ca6d;border-radius:14px;padding:16px}.filter-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:25px}.filter-btn{border:1px solid var(--line);border-radius:999px;background:#fff;padding:9px 13px;cursor:pointer}.filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}.guide-list{display:grid;grid-template-columns:1fr 1fr;gap:14px}.guide-item{border:1px solid var(--line);border-radius:16px;padding:19px;background:#fff}.guide-item small{color:#94763a;font-weight:800;text-transform:uppercase;letter-spacing:.1em}.guide-item h3{font-family:Georgia,serif;color:var(--navy);margin:6px 0;font-size:1.24rem}.guide-item p{color:var(--muted);font-size:.9rem}.hidden{display:none!important}@media(max-width:980px){.topbar 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