* { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy: #0f2a4a;
  --navy2: #16395f;
  --gold: #f3c14b;
  --ink: #1b2733;
  --muted: #5b6b7a;
  --line: #e3e9ef;
  --bg: #f7f9fb;
  --white: #ffffff;
}
body {
  font-family: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
.site-head {
  background: linear-gradient(160deg, #061827 0%, var(--navy) 62%, #173c63 100%);
  color: #fff;
  border-bottom: 1px solid rgba(243, 193, 75, 0.22);
}
.site-head .wrap {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: block; width: 190px; line-height: 0; }
.brand img { display: block; width: 100%; height: auto; object-fit: contain; }
.nav { display: flex; gap: 18px; align-items: center; flex-wrap: wrap; justify-content: flex-end; }
.nav a {
  color: rgba(232, 239, 248, 0.86);
  font-size: 14px;
  font-weight: 800;
}
.nav a:hover { color: var(--gold); }
.nav .cta {
  color: var(--navy);
  background: var(--gold);
  padding: 9px 14px;
  border-radius: 8px;
}
.hero {
  background:
    linear-gradient(90deg, rgba(3, 19, 34, 0.98) 0%, rgba(5, 25, 43, 0.92) 58%, rgba(6, 22, 37, 0.4) 100%),
    url("/hero-banner.jpg") 72% center / cover no-repeat,
    var(--navy);
  color: #fff;
  padding: 70px 0 76px;
}
.crumbs {
  color: rgba(220, 230, 241, 0.78);
  font-size: 14px;
  margin-bottom: 22px;
}
.crumbs a { color: var(--gold); font-weight: 800; }
.eyebrow {
  color: var(--gold);
  font-weight: 900;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
h1, h2, h3 {
  color: var(--navy);
  line-height: 1.15;
}
.hero h1 {
  max-width: 760px;
  color: #fff;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(38px, 5vw, 64px);
  margin: 12px 0 18px;
}
.hero h1 span { color: var(--gold); }
.lead {
  max-width: 720px;
  color: rgba(232, 239, 248, 0.88);
  font-size: 19px;
}
.actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.btn {
  display: inline-block;
  padding: 14px 24px;
  border-radius: 8px;
  font-weight: 900;
  text-align: center;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-ghost { color: #fff; border: 1px solid rgba(243, 193, 75, 0.5); background: rgba(4, 19, 34, 0.38); }
section { padding: 62px 0; }
.section-head { max-width: 760px; margin-bottom: 28px; }
.section-head h2 { font-size: clamp(28px, 4vw, 40px); margin: 8px 0 12px; }
.section-head p, .muted { color: var(--muted); font-size: 17px; }
.two {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 26px;
  align-items: start;
}
.panel, .card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 26px;
}
.panel.dark {
  color: #dbe6f2;
  background: var(--navy);
  border-color: rgba(243, 193, 75, 0.24);
}
.panel.dark h2, .panel.dark h3 { color: #fff; }
.panel.dark p, .panel.dark li { color: #dbe6f2; }
.list { display: grid; gap: 12px; list-style: none; }
.list li { display: flex; gap: 10px; }
.list li::before {
  content: "✓";
  color: #1f9d55;
  font-weight: 900;
  flex-shrink: 0;
}
.dark .list li::before { color: var(--gold); }
.grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.card h3 { font-size: 20px; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: 15.5px; }
.content {
  display: grid;
  gap: 18px;
  max-width: 860px;
}
.content p {
  color: var(--ink);
  font-size: 17px;
}
.content p + p { margin-top: 2px; }
.content h3 {
  font-size: 22px;
  margin-top: 8px;
}
.checkgrid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 26px;
}
.mini {
  background: #fff;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  padding: 24px;
}
.mini h3 { font-size: 21px; margin-bottom: 10px; }
.mini p { color: var(--muted); font-size: 15.5px; }
.note {
  background: #fff7df;
  border: 1px solid rgba(243, 193, 75, 0.5);
  border-radius: 8px;
  padding: 20px;
  color: #5c4614;
  font-weight: 700;
}
.table {
  display: grid;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
}
.table-row {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 0;
  border-bottom: 1px solid var(--line);
}
.table-row:last-child { border-bottom: 0; }
.table-row strong,
.table-row span {
  padding: 16px 18px;
}
.table-row strong {
  color: var(--navy);
  background: #f0f5fa;
}
.table-row span { color: var(--muted); }
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px;
}
.step .num {
  color: var(--gold);
  font-size: 30px;
  font-weight: 900;
  line-height: 1;
}
.step h3 { font-size: 18px; margin: 10px 0 6px; }
.step p { color: var(--muted); font-size: 14.5px; }
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 20px;
}
.faq summary {
  cursor: pointer;
  color: var(--navy);
  font-weight: 900;
  padding: 18px 0;
}
.faq .ans { color: var(--muted); padding-bottom: 18px; }
.related {
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.related-links {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 18px;
}
.related-links a {
  color: var(--navy);
  background: #f0f5fa;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 9px 14px;
  font-weight: 800;
  font-size: 14px;
}
.final {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy2) 100%);
  color: #fff;
  border-radius: 8px;
  padding: 44px;
  text-align: center;
}
.final h2 { color: #fff; font-size: clamp(28px, 4vw, 40px); }
.final p { color: #cfdcec; max-width: 680px; margin: 12px auto 24px; font-size: 17px; }
footer {
  background: var(--navy);
  color: #9fb3c8;
  text-align: center;
  font-size: 13px;
  padding: 30px 0;
}
footer a { color: #c3d3e4; text-decoration: underline; }
@media (max-width: 860px) {
  .site-head .wrap { align-items: flex-start; flex-direction: column; padding-top: 18px; padding-bottom: 18px; }
  .nav { justify-content: flex-start; }
  .hero { padding: 54px 0 60px; }
  .two, .grid { grid-template-columns: 1fr; }
  .checkgrid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .wrap { padding: 0 16px; }
  .brand { width: 166px; }
  .nav { gap: 12px; }
  .nav a { font-size: 13px; }
  .nav .cta { width: 100%; text-align: center; }
  .hero {
    background:
      linear-gradient(180deg, rgba(3, 19, 34, 0.94), rgba(5, 25, 43, 0.96) 52%, rgba(4, 20, 35, 0.99)),
      url("/hero-banner.jpg") 68% top / auto 340px no-repeat,
      var(--navy);
    padding: 42px 0 48px;
  }
  .hero h1 { font-size: 38px; }
  .lead { font-size: 16px; }
  .actions { flex-direction: column; }
  .btn { width: 100%; }
  section { padding: 44px 0; }
  .steps { grid-template-columns: 1fr; }
  .table-row { grid-template-columns: 1fr; }
  .table-row strong, .table-row span { padding: 14px 16px; }
  .panel, .card, .step { padding: 22px; }
  .final { padding: 34px 20px; }
}