:root{
  --navy:#0a2a6e;
  --navy-2:#0d3a94;
  --blue:#1467dd;
  --sky:#eaf2ff;
  --gold:#f5a51c;
  --gold-d:#d98a00;
  --ink:#14213d;
  --muted:#56637f;
  --line:#e2e8f3;
  --bg:#f6f8fc;
  --white:#fff;
  --r:16px;
  --shadow:0 1px 2px rgba(10,42,110,.06),0 8px 28px rgba(10,42,110,.08);
  --wrap:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Be Vietnam Pro",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:16.5px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.22;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.25em}
li{margin-bottom:.35em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
section{padding:72px 0}
.alt{background:var(--bg)}
.dark{background:var(--navy);color:#dbe6ff}
.dark h2,.dark h3{color:#fff}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-d);margin-bottom:.7em}
.dark .eyebrow{color:var(--gold)}
.lead{font-size:1.15rem;color:var(--muted)}
.dark .lead{color:#c3d3f5}
.sec-head{max-width:720px;margin-bottom:40px}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* header */
.topbar{background:var(--navy);color:#cfdcfa;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none!important}
.brand img{height:44px;width:auto}
.bt{display:flex;flex-direction:column;line-height:1.1}
.slogan{font-size:.7rem;font-weight:500;color:var(--muted);letter-spacing:.01em;margin-top:3px;white-space:nowrap}
.brand .name{white-space:nowrap;font-weight:800;font-size:1.32rem;letter-spacing:-.02em;color:var(--navy-2)}
.brand .name b{color:var(--gold)}
.brand .name span{font-weight:500;color:var(--blue)}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{color:var(--ink);font-weight:500;font-size:.95rem;padding:8px 12px;border-radius:8px;white-space:nowrap}
nav.main a:hover{background:var(--sky);text-decoration:none}
nav.main a.on{color:var(--blue);background:var(--sky)}
nav.main .btn{margin-left:8px}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:.98rem;padding:13px 24px;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none!important;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#3a2600;box-shadow:0 6px 18px rgba(245,165,28,.35)}
.btn-gold:hover{background:#ffb52e}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#0f56bd}
.btn-ghost{background:transparent;color:var(--navy);border-color:#b9c9ea}
.btn-ghost:hover{background:var(--sky)}
.dark .btn-ghost,.hero .btn-ghost,.cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.45)}
.dark .btn-ghost:hover,.hero .btn-ghost:hover,.cta-band .btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-sm{padding:9px 18px;font-size:.9rem}

/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#071d52 0%,#0d3a94 58%,#1467dd 100%);color:#dbe6ff;padding:84px 0 92px}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(600px 300px at 85% 10%,rgba(245,165,28,.22),transparent 70%),
  radial-gradient(500px 400px at 0% 100%,rgba(90,160,255,.25),transparent 70%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p.lead{color:#c9d8fb;max-width:560px}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero .note{margin-top:18px;font-size:.9rem;color:#a9bde8}
.factcard{background:#fff;color:var(--ink);border-radius:20px;padding:26px;box-shadow:0 20px 60px rgba(0,0,0,.28)}
.factcard h3{font-size:.85rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fact{background:var(--sky);border-radius:14px;padding:16px}
.fact strong{display:block;font-size:1.9rem;line-height:1.1;color:var(--navy);font-weight:800}
.fact strong small{font-size:.95rem;font-weight:700}
.fact span{font-size:.86rem;color:var(--muted);display:block;margin-top:4px;line-height:1.35}
.fact.gold{background:#fff4dc}
.factcard .foot{font-size:.82rem;color:var(--muted);margin:14px 0 0}

/* page hero (inner pages) */
.phero{background:linear-gradient(135deg,#071d52,#0d3a94);color:#c9d8fb;padding:56px 0 52px}
.phero h1{color:#fff;font-size:clamp(1.8rem,3.8vw,2.7rem);margin-bottom:.35em}
.phero p{max-width:720px;margin:0;font-size:1.08rem}
.crumbs{font-size:.86rem;margin-bottom:14px;color:#9fb6ea}
.crumbs a{color:#cfdcfa}

/* grids & cards */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.card p:last-child,.card ul:last-child{margin-bottom:0}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:14px;font-weight:800;font-size:1.15rem}
.card.gold .ico{background:#fff1d3;color:var(--gold-d)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.compare .col{border-radius:var(--r);padding:28px}
.compare .old{background:#fff;border:1px dashed #c4cfe6}
.compare .new{background:var(--navy);color:#dbe6ff}
.compare .new h3{color:#fff}
.compare h3{font-size:1.05rem;text-transform:uppercase;letter-spacing:.06em}
.compare ul{list-style:none;padding:0;margin:0}
.compare li{padding-left:28px;position:relative;margin-bottom:.7em}
.compare .old li::before{content:"–";position:absolute;left:6px;color:#9aa8c7;font-weight:800}
.compare .new li::before{content:"✓";position:absolute;left:4px;color:var(--gold);font-weight:800}

/* timeline */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;position:relative;box-shadow:var(--shadow)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:20px;width:34px;height:34px;border-radius:50%;background:var(--gold);color:#3a2600;font-weight:800;display:grid;place-items:center;box-shadow:0 4px 10px rgba(245,165,28,.4)}
.step h3{margin-top:8px;font-size:1.05rem}
.step .when{font-size:.8rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.06em}
.step p{font-size:.95rem;color:var(--muted);margin:0}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:.93rem;font-weight:500;color:var(--navy)}
.alt .chip{background:#fff}
.dark .chip{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:#fff}

/* fee table */
.fee{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:stretch}
.price{background:#fff;color:var(--ink);border-radius:20px;padding:30px;box-shadow:0 18px 50px rgba(0,0,0,.25)}
.price .amt{font-size:2.6rem;font-weight:800;color:var(--navy);line-height:1}
.price .amt small{font-size:1rem;color:var(--muted);font-weight:500}
.price ul{list-style:none;padding:0;margin:18px 0 0}
.price li{padding:10px 0 10px 28px;border-top:1px solid var(--line);position:relative;margin:0;font-size:.97rem}
.price li::before{content:"✓";position:absolute;left:2px;color:var(--blue);font-weight:800}

/* list with ticks */
.ticks{list-style:none;padding:0}
.ticks li{position:relative;padding-left:30px}
.ticks li::before{content:"";position:absolute;left:0;top:.42em;width:18px;height:18px;border-radius:50%;background:var(--sky) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 6.8' fill='none' stroke='%231467dd' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.numlist{counter-reset:n;list-style:none;padding:0}
.numlist li{counter-increment:n;position:relative;padding:0 0 0 46px;margin-bottom:1.1em}
.numlist li::before{content:counter(n);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:10px;background:var(--navy);color:#fff;font-weight:700;display:grid;place-items:center;font-size:.95rem}
.numlist li strong{display:block;color:var(--navy)}

/* callout */
.callout{border-left:4px solid var(--gold);background:#fffaf0;border-radius:0 12px 12px 0;padding:18px 22px;margin:22px 0;font-size:.97rem}
.callout.blue{border-color:var(--blue);background:var(--sky)}
.callout p:last-child{margin:0}

/* roles */
.roles{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;list-style:none;padding:0}
.roles li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;margin:0;font-size:.93rem}
.roles li b{display:block;color:var(--navy)}

/* about */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.about .logo-card{background:#fff;border-radius:22px;padding:22px;box-shadow:var(--shadow);border:1px solid var(--line);text-align:center}
.logo-slogan{margin:10px 0 0;font-weight:600;color:var(--navy-2);letter-spacing:.01em;font-size:1.05rem}
.sign{margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}
.sign strong{display:block;color:var(--navy);font-size:1.05rem}
.sign span{color:var(--muted);font-size:.93rem}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:12px}
.faq summary{cursor:pointer;list-style:none;padding:18px 54px 18px 22px;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:500;color:var(--blue);transition:.2s}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 22px 20px;color:var(--muted)}
.faq .ans p:last-child{margin:0}

/* form */
.formbox{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.formbox h3{font-size:1.3rem}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.9rem;margin:0 0 6px;color:var(--navy)}
label .req{color:#d33}
input,select,textarea{width:100%;font:inherit;font-size:.98rem;padding:12px 14px;border:1.5px solid #cfd9ee;border-radius:12px;background:#fff;color:var(--ink);transition:border .15s,box-shadow .15s}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(20,103,221,.15)}
.field{margin-bottom:16px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--muted)}
.check input{width:auto;margin-top:4px}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.msg{display:none;margin-top:16px;padding:14px 18px;border-radius:12px;font-size:.95rem}
.msg.ok{display:block;background:#e7f7ee;color:#0b6b3a}
.msg.err{display:block;background:#fdecec;color:#a11b1b}

/* contact */
.contact-list{list-style:none;padding:0}
.contact-list li{display:flex;gap:14px;margin-bottom:18px}
.contact-list .ci{flex:0 0 42px;height:42px;border-radius:12px;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-size:1.1rem}
.contact-list b{display:block;color:var(--navy)}

/* cta band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#c9d8fb;text-align:center;padding:64px 0}
.cta-band h2{color:#fff}
.cta-band .row{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:22px}

/* footer */
footer.site{background:#071a45;color:#a9bbe3;font-size:.93rem;padding:56px 0 24px}
footer.site h4{color:#fff;font-size:.95rem;margin-bottom:14px}
footer.site a{color:#a9bbe3}
footer.site a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr .8fr 1.2fr;gap:40px}
.fgrid ul{list-style:none;padding:0;margin:0}
.fgrid li{margin-bottom:8px}
.flogo{display:inline-flex;align-items:center;gap:10px;background:#fff;border-radius:14px;padding:8px 14px;margin-bottom:14px}
.flogo img{height:38px;width:auto}
.flogo .bt{line-height:1.1}
.flogo .slogan{font-size:.62rem;margin-top:2px}
.flogo .name{font-weight:800;font-size:1.15rem;color:var(--navy-2)}
.flogo .name b{color:var(--gold)}
.flogo .name span{font-weight:500;color:var(--blue)}
.fbot{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:.85rem}

/* floating call */
.callfab{position:fixed;right:16px;bottom:16px;z-index:60;display:flex;flex-direction:column;gap:10px}
.callfab a{display:flex;align-items:center;gap:8px;background:var(--gold);color:#3a2600;font-weight:700;padding:12px 18px;border-radius:999px;box-shadow:0 10px 28px rgba(0,0,0,.25);text-decoration:none}

/* table */
.tbl{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.tbl th,.tbl td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{background:var(--sky);color:var(--navy);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em}
.tbl tr:last-child td{border-bottom:0}

@media(max-width:980px){
  .hero .wrap,.about,.fee,.compare{grid-template-columns:1fr}
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:32px}
  .fgrid{grid-template-columns:1fr 1fr}
  .roles{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:1040px){
  .burger{display:block}
  nav.main{position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 16px 18px;display:none;box-shadow:0 18px 30px rgba(10,42,110,.1)}
  nav.main.open{display:flex}
  nav.main a{padding:12px}
  nav.main .btn{margin:8px 0 0}
  header.site .wrap{position:relative}
}
@media(max-width:620px){
  body{font-size:16px}
  section{padding:52px 0}
  .g2,.g3,.g4,.steps,.frow,.fgrid,.roles{grid-template-columns:1fr}
  .hero{padding:56px 0 64px}
  .topbar .wrap{justify-content:center;text-align:center}
  .brand .name{font-size:1.15rem}
  .slogan{font-size:.62rem}
  .formbox{padding:22px}
  .callfab a span.t{display:none}
  .callfab a{padding:14px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}