:root{
  --bg:#f4f6f8; --paper:#ffffff; --ink:#152536; --muted:#667381;
  --blue:#0b3261; --blue2:#295f95; --gold:#d5a431; --sand:#f2ead6; --line:#dde5eb; --safe:#2f7557;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
a{text-decoration:none;color:inherit}
.frame{width:min(1140px,calc(100% - 36px));margin:auto}
.info-bar{background:var(--blue);color:#e8f0f8;font-size:.82rem;padding:8px 0}
.info-bar .frame{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-weight:900;letter-spacing:.06em}.brand strong{color:var(--gold)}
.menu{display:flex;gap:22px;color:#596978;font-size:.92rem}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 17px;border-radius:12px;font-weight:800}
.btn.primary{background:var(--gold);color:#2a220e}.btn.ghost{background:#fff;border:1px solid #cad4de;color:var(--blue)}
.hero{padding:66px 0 48px}
.hero-grid{display:grid;grid-template-columns:.94fr 1.06fr;gap:34px;align-items:center}
.eyebrow{display:inline-block;padding:7px 11px;border-radius:999px;background:var(--sand);color:#946918;font-size:.75rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
h1{font-family:Georgia,serif;font-size:clamp(2.8rem,6vw,5rem);line-height:1.02;letter-spacing:-.04em;margin:18px 0}
.lead{font-size:1.08rem;color:var(--muted)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.visual{background:#fff;border:1px solid var(--line);border-radius:26px;overflow:hidden;box-shadow:0 22px 50px rgba(17,34,52,.09)}
.visual img{display:block;width:100%}.visual figcaption{padding:12px 15px;color:var(--muted);font-size:.84rem}
.ticker{background:#fff;border-block:1px solid var(--line)}
.ticker-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;padding:18px 0;text-align:center}
.ticker-grid strong{display:block;color:var(--blue2);font-size:1.04rem}
.section{padding:62px 0}.section.white{background:#fff;border-block:1px solid var(--line)}
.section-head{max-width:760px;margin:0 auto 30px;text-align:center}.section-head h2{font-family:Georgia,serif;font-size:2.42rem;margin:0 0 8px}
.muted{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card,.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px}.white .card{background:#fbfcfd}
.label{font-size:.72rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase;color:var(--blue2)}
.grid-split{display:grid;grid-template-columns:1.05fr .95fr;gap:22px}
.notice{background:#eef7f2;border:1px solid #d1e7db;border-radius:14px;padding:15px;color:#23553f}
.bullets{display:grid;grid-template-columns:1fr 1fr;gap:12px}.bullet{background:#eef4fa;border:1px solid #dae6ef;border-radius:14px;padding:16px}
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.step{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:16px;padding:19px}.step span{display:block;color:#946918;font-weight:900;margin-bottom:7px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px}details{border-top:1px solid var(--line);padding:14px 0}summary{cursor:pointer;font-weight:800}
.contact-row{padding:11px 0;border-bottom:1px solid var(--line)}.contact-row:last-child{border-bottom:0}
footer{padding:30px 0 94px;border-top:1px solid var(--line);color:#778390;font-size:.86rem}.footer-flex{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.cookie{display:none;position:fixed;left:16px;right:16px;bottom:16px;z-index:45;max-width:920px;margin:auto;background:#11263c;color:#fff;border-radius:16px;padding:16px;align-items:center;justify-content:space-between;gap:14px;box-shadow:0 18px 55px rgba(0,0,0,.25)}.cookie.show{display:flex}.cookie p{margin:0;color:#dce7ef;font-size:.9rem}.cookie button{padding:10px 14px;border-radius:9px;font-weight:800;cursor:pointer}.accept{background:#e3b64a;color:#30220d;border:0}.reject{background:transparent;color:#fff;border:1px solid #708394}
@media(max-width:900px){.hero-grid,.grid-split,.two-col{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.flow,.ticker-grid{grid-template-columns:1fr 1fr}.menu{display:none}.bullets{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.cards,.flow,.ticker-grid,.bullets{grid-template-columns:1fr}.cookie{flex-direction:column;align-items:flex-start}}