:root{
  --bg:#F6F3EA; --paper:#FBF9F3; --ink:#12202E; --navy:#0E2438;
  --navy2:#16324C; --gold:#B4923C; --gold-2:#C9A24B; --gold-soft:#EFE2BE;
  --muted:#5A6A78; --line:#E3DCC9; --line-2:#D6CDB6; --ok:#2E7D5B;
  --maxw:1140px; --serif:Georgia,'Times New Roman','PT Serif',serif;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--bg);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;line-height:1.18;letter-spacing:-.01em;color:var(--navy)}
h2{font-size:clamp(1.7rem,3.3vw,2.5rem)}
h3{font-size:1.28rem}
.eyebrow{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.eyebrow.gold{color:var(--gold)}
.lead{color:var(--muted);font-size:clamp(1.05rem,1.6vw,1.2rem)}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:9px;justify-content:center;font-family:var(--sans);
  font-size:.98rem;font-weight:600;padding:13px 26px;border-radius:4px;cursor:pointer;border:1px solid transparent;transition:.2s}
.btn-gold{background:var(--gold);color:#20170a;border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-2);transform:translateY(-1px)}
.btn-ghost{background:transparent;border-color:var(--line-2);color:var(--navy)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.btn-lg{padding:16px 32px;font-size:1.02rem}
.btn-full{width:100%}
/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(246,243,234,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--serif);font-weight:700;font-size:1.08rem;color:var(--navy)}
.brand em{font-style:italic;color:var(--gold);font-weight:400}
.brand.light{color:#fff}.brand.light em{color:var(--gold-2)}
.brand-mark{width:38px;height:38px;border-radius:5px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1rem;letter-spacing:.02em}
.brand.light .brand-mark{background:var(--gold);color:var(--navy)}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{color:var(--navy);font-size:.95rem;font-weight:500}
.nav-links a:hover{color:var(--gold)}
.nav-links .btn{padding:10px 20px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:6px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
/* hero */
.hero{background:var(--navy);color:#EDE6D6;position:relative;overflow:hidden;padding:84px 0 88px}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(760px 420px at 82% -10%,rgba(180,146,60,.18),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero h1{color:#fff;font-size:clamp(2.2rem,4.6vw,3.5rem);margin:6px 0 20px}
.hero h1 em{font-style:italic;color:var(--gold-2)}
.hero-sub{color:#C6CFD9;font-size:clamp(1.05rem,1.7vw,1.22rem);max-width:560px;margin-bottom:30px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:32px}
.hero .eyebrow{color:var(--gold-2)}
.trust{display:grid;grid-template-columns:1fr 1fr;gap:12px 26px;max-width:540px}
.trust div{display:flex;gap:10px;font-size:.94rem;color:#BFC8D2}
.trust b{color:var(--gold-2);font-family:var(--serif)}
/* hero card */
.memo{background:linear-gradient(160deg,#123554,#0c1e30);border:1px solid rgba(201,162,75,.3);border-radius:8px;padding:28px;box-shadow:0 30px 60px -30px rgba(0,0,0,.6)}
.memo .k{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:14px;margin-bottom:18px}
.memo-row{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px dashed rgba(255,255,255,.1);font-size:.95rem;color:#D6DDE5}
.memo-row:last-child{border-bottom:0}
.memo-row b{color:#fff;font-family:var(--serif)}
/* sections */
.sec{padding:80px 0}
.sec.paper{background:var(--paper)}
.sec.navy{background:var(--navy);color:#E6DEEE}
.sec-head{max-width:720px;margin-bottom:46px}
.sec-head.center{margin:0 auto 46px;text-align:center}
.sec-head p{color:var(--muted);margin-top:14px;font-size:1.06rem}
.rule{width:54px;height:3px;background:var(--gold);margin-bottom:22px}
.sec-head.center .rule{margin-left:auto;margin-right:auto}
/* grids/cards */
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:26px;transition:.2s}
.card:hover{border-color:var(--gold);box-shadow:0 16px 40px -26px rgba(14,36,56,.4);transform:translateY(-3px)}
.card .num{font-family:var(--serif);font-size:1.4rem;color:var(--gold);font-weight:700}
.card h3{margin:10px 0 8px;font-size:1.16rem}
.card p{color:var(--muted);font-size:.96rem}
/* modules */
.mods{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.mod{display:flex;gap:14px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:6px}
.mod .dot{width:10px;height:10px;border-radius:50%;background:var(--gold);margin-top:7px;flex:0 0 auto}
.mod b{font-family:var(--serif);display:block;margin-bottom:3px;color:var(--navy)}
.mod span{color:var(--muted);font-size:.9rem}
/* pricing */
.pricing{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
.plan{background:#fff;border:1px solid var(--line);border-radius:8px;padding:32px 28px;display:flex;flex-direction:column;position:relative}
.plan.feat{border:1.5px solid var(--gold);box-shadow:0 30px 60px -34px rgba(180,146,60,.5)}
.plan-badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--gold);color:#20170a;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 15px;border-radius:3px;white-space:nowrap}
.plan-name{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.plan-title{font-family:var(--serif);font-size:1.4rem;color:var(--navy);margin-bottom:10px}
.plan-price{font-family:var(--serif);font-size:2rem;font-weight:700;color:var(--navy)}
.plan-price small{display:block;font-size:.82rem;font-weight:400;color:var(--muted);font-family:var(--sans);margin-top:3px}
.plan-desc{color:var(--muted);font-size:.94rem;margin:14px 0 18px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.plan ul{list-style:none;display:grid;gap:11px;margin-bottom:22px;flex:1}
.plan li{display:flex;gap:10px;font-size:.93rem}
.plan li::before{content:"✓";color:var(--gold);font-weight:700;flex:0 0 auto}
.plan .for{font-size:.85rem;color:var(--muted);margin:-6px 0 18px}
/* audience */
.aud{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.aud-item{padding:20px 22px;background:#fff;border:1px solid var(--line);border-radius:6px}
.aud-item b{font-family:var(--serif);font-size:1.05rem;color:var(--navy);display:block;margin-bottom:4px}
.aud-item span{color:var(--muted);font-size:.9rem}
/* timeline */
.tl{max-width:820px;margin:0 auto;display:grid;gap:4px}
.tl-step{display:grid;grid-template-columns:56px 1fr;gap:20px;padding:6px 0}
.tl-num{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-weight:700;color:var(--navy);background:var(--gold-soft);border:1px solid var(--gold);position:relative;z-index:2}
.tl-step:not(:last-child) .tl-num::after{content:"";position:absolute;left:50%;top:46px;transform:translateX(-50%);width:2px;height:calc(100% + 4px);background:var(--line-2)}
.tl-body{padding:4px 0 22px}
.tl-body b{font-family:var(--serif);font-size:1.1rem;color:var(--navy);display:block;margin-bottom:3px}
.tl-body span{color:var(--muted);font-size:.95rem}
/* advantages on navy */
.adv{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.adv-item{padding:26px;background:rgba(255,255,255,.04);border:1px solid rgba(201,162,75,.25);border-radius:6px}
.adv-item b{font-family:var(--serif);font-size:1.14rem;color:#fff;display:block;margin-bottom:7px}
.adv-item p{color:#C6CFD9;font-size:.95rem}
.sec.navy h2,.sec.navy .sec-head p{color:#fff}
.sec.navy .sec-head p{color:#C6CFD9}
/* blog teaser + hub */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:6px;padding:24px;transition:.2s}
.post:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 16px 40px -26px rgba(14,36,56,.4)}
.post .cat{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.post h3{font-size:1.1rem;margin-bottom:8px}.post h3 a:hover{color:var(--gold)}
.post p{color:var(--muted);font-size:.92rem;flex:1}
.post .more{color:var(--gold);font-weight:600;font-size:.9rem;margin-top:14px}
/* faq */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden}
.faq-item.open{border-color:var(--gold)}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;color:var(--navy);font-family:var(--serif);font-size:1.06rem;font-weight:700;padding:20px 22px;display:flex;justify-content:space-between;gap:16px}
.faq-q .pl{color:var(--gold);font-size:1.3rem;flex:0 0 auto}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s}
.faq-a p{padding:0 22px 22px;color:var(--muted)}
/* cta card */
.cta-card{display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:8px;padding:32px 36px;margin:34px 0}
.cta-card h3{color:#fff;margin-bottom:6px}
.cta-card p{color:#C6CFD9;font-size:.96rem;max-width:560px}
/* form */
.form-sec{background:var(--paper)}
.form-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:42px;box-shadow:0 30px 70px -40px rgba(14,36,56,.35)}
.form-intro h2{margin:6px 0 14px}
.form-intro p{color:var(--muted);margin-bottom:22px}
.ticks{list-style:none;display:grid;gap:11px;margin-bottom:22px}
.ticks li{display:flex;gap:10px;color:var(--muted);font-size:.95rem}
.ticks li::before{content:"✓";color:var(--gold);font-weight:700}
.note-box{padding:16px 18px;background:var(--paper);border:1px solid var(--line);border-radius:6px;font-size:.9rem;color:var(--muted)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
label{display:block;font-size:.85rem;color:var(--navy);margin-bottom:6px;font-weight:600}
input,select,textarea{width:100%;font-family:var(--sans);font-size:.97rem;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:5px;padding:12px 14px;transition:.15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(180,146,60,.15)}
textarea{resize:vertical;min-height:88px}
.consent{display:flex;gap:10px;align-items:flex-start;margin:4px 0 18px;font-size:.83rem;color:var(--muted);font-weight:400}
.consent input{width:18px;height:18px;flex:0 0 auto;margin-top:2px;accent-color:var(--gold)}
.consent a{color:var(--gold);text-decoration:underline}
.err{border-color:#c0453b!important;box-shadow:0 0 0 3px rgba(192,69,59,.14)!important}
.form-note{font-size:.78rem;color:var(--muted);margin-top:12px;text-align:center}
.form-ok{display:none;text-align:center;padding:40px 16px}
.form-ok b{font-family:var(--serif);font-size:1.3rem;color:var(--navy);display:block;margin-bottom:8px}
.form-ok p{color:var(--muted)}
/* footer */
.site-foot{background:var(--navy);color:#B9C2CC;padding:56px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;margin-bottom:32px}
.foot-brand p{color:#96A2AD;font-size:.9rem;margin-top:14px;max-width:380px}
.foot-col h4{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-2);margin-bottom:14px}
.foot-col ul{list-style:none;display:grid;gap:9px}
.foot-col a{color:#B9C2CC;font-size:.92rem}.foot-col a:hover{color:#fff}
.foot-disc{font-size:.8rem;color:#8A96A1;border-top:1px solid rgba(255,255,255,.1);padding-top:20px;margin-bottom:18px;line-height:1.55}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#8A96A1}
/* article */
.art-head{background:var(--navy);color:#fff;padding:56px 0 46px}
.crumbs{font-size:.85rem;color:#9FB0BE;margin-bottom:18px}
.crumbs a:hover{color:var(--gold-2)}.crumbs span{color:var(--gold-2)}
.art-head h1{color:#fff;font-size:clamp(1.9rem,3.8vw,2.7rem);max-width:900px}
.art-meta{color:#9FB0BE;font-size:.9rem;margin-top:16px}
.art-body{max-width:760px;margin:0 auto;padding:52px 24px}
.art-body .lead{font-size:1.22rem;color:var(--ink);margin-bottom:30px;font-family:var(--serif);line-height:1.5}
.art-body h2{font-size:1.6rem;margin:36px 0 14px}
.art-body p{margin:14px 0;color:#26333f}
.art-body ul,.art-body ol{margin:14px 0 14px 22px;color:#26333f}
.art-body li{margin:7px 0}
.art-body strong{color:var(--navy)}
.art-inline-cta{background:var(--gold-soft);border:1px solid var(--gold);border-radius:8px;padding:24px 26px;margin:32px 0;text-align:center}
.art-inline-cta b{font-family:var(--serif);font-size:1.2rem;color:var(--navy);display:block;margin-bottom:6px}
.art-inline-cta p{color:#5a4e30;margin:0 0 16px}
.art-faq{margin-top:44px}
.art-faq h2{font-size:1.5rem}
.related{background:var(--paper);border-top:1px solid var(--line);padding:48px 0}
.related h2{font-size:1.4rem;text-align:center;margin-bottom:26px}
.art-disc{max-width:760px;margin:0 auto;padding:0 24px 20px;font-size:.8rem;color:var(--muted);line-height:1.5}
/* responsive */
@media(max-width:940px){
  .hero .wrap{grid-template-columns:1fr;gap:40px}.memo{order:-1}
  .g3,.mods,.pricing,.aud,.posts{grid-template-columns:1fr 1fr}
  .adv,.form-wrap{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .nav-links{position:fixed;top:70px;left:0;right:0;flex-direction:column;gap:0;background:var(--paper);border-bottom:1px solid var(--line);padding:0 24px;max-height:0;overflow:hidden;transition:max-height .3s}
  .nav-links.open{max-height:400px;padding:14px 24px 20px}
  .nav-links a{padding:12px 0;width:100%;border-bottom:1px solid var(--line)}
  .burger{display:block}
  .g3,.mods,.pricing,.aud,.posts,.trust,.row{grid-template-columns:1fr}
  .sec{padding:56px 0}.cta-card{padding:26px}.form-wrap{padding:24px}.foot-grid{grid-template-columns:1fr}
}