:root{--navy:#142D4E;--blue:#2563EB;--gold:#C5A46D;--bg:#F7F9FC;--ink:#172033;--mut:#5b6678;--r:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:16px/1.65 Inter,"Segoe UI",system-ui,-apple-system,Roboto,sans-serif;color:var(--ink);background:#fff}
img{max-width:100%;display:block}a{color:inherit}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:6px}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
header{position:fixed;inset:0 0 auto;z-index:50;transition:.3s}
header.s{background:rgba(255,255,255,.85);backdrop-filter:blur(14px);box-shadow:0 2px 20px rgba(20,45,78,.08)}
nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:700;color:#fff;line-height:1.2}
header.s .brand{color:var(--navy)}
.brand img{height:40px;width:auto;background:#fff;border-radius:10px;padding:3px 8px}
.brand small{display:block;font-weight:500;font-size:.72rem;opacity:.8}
.menu{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.menu a{display:block;padding:8px 14px;border-radius:99px;text-decoration:none;font-size:.93rem;font-weight:600;color:#fff;transition:.2s}
header.s .menu a{color:var(--navy)}
.menu a:hover,.menu a.on,header.s .menu a:hover,header.s .menu a.on{background:var(--gold);color:#142D4E}
.lang{border:2px solid var(--gold);background:transparent;color:#fff;border-radius:99px;padding:6px 14px;font-weight:700;cursor:pointer;font-size:.85rem;margin-left:6px}
header.s .lang{color:var(--navy)}
.lang:hover,header.s .lang:hover{background:var(--gold);color:var(--navy)}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer}
.burger span,.burger span:before,.burger span:after{display:block;width:24px;height:2px;background:#fff;position:relative;transition:.3s;margin:auto}
header.s .burger span,header.s .burger span:before,header.s .burger span:after{background:var(--navy)}
.burger span:before,.burger span:after{content:"";position:absolute;left:0}
.burger span:before{top:-8px}.burger span:after{top:8px}
.burger[aria-expanded=true] span{background:transparent!important}
.burger[aria-expanded=true] span:before{top:0;transform:rotate(45deg)}.burger[aria-expanded=true] span:after{top:0;transform:rotate(-45deg)}
.hero{min-height:100vh;display:flex;align-items:center;color:#fff;position:relative;overflow:hidden;background:radial-gradient(900px 500px at 85% 20%,rgba(37,99,235,.55),transparent 60%),radial-gradient(700px 400px at 10% 90%,rgba(197,164,109,.35),transparent 60%),linear-gradient(135deg,#0c1d36,var(--navy) 55%,#1c3f73)}
.hero:after{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Ccircle cx='2' cy='2' r='1.5' fill='%23fff' fill-opacity='.07'/%3E%3C/svg%3E")}
.hero .wrap{position:relative;z-index:1;padding-top:110px;padding-bottom:70px}
.tag{display:inline-block;padding:6px 16px;border:1px solid rgba(197,164,109,.6);color:var(--gold);border-radius:99px;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
h1{font-size:clamp(2.6rem,7vw,5rem);line-height:1.05;margin:20px 0 16px;letter-spacing:-.03em}
h1 em{font-style:normal;color:var(--gold)}
.hero p{max-width:620px;font-size:1.15rem;color:#d6e0f0;margin:0 0 32px}
.btns{display:flex;flex-wrap:wrap;gap:14px}
.btn{display:inline-block;padding:14px 28px;border-radius:99px;font-weight:700;text-decoration:none;transition:.25s}
.b1{background:var(--gold);color:#142D4E}.b1:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(197,164,109,.45)}
.b2{border:2px solid rgba(255,255,255,.5);color:#fff}.b2:hover{background:#fff;color:var(--navy)}
section{padding:96px 0}.alt{background:var(--bg)}
.eyebrow{color:var(--blue);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase}
h2{font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.15;margin:10px 0 14px;color:var(--navy);letter-spacing:-.02em}
.lead{max-width:680px;color:var(--mut);font-size:1.08rem;margin:0 0 44px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border-radius:var(--r);padding:30px;box-shadow:0 4px 24px rgba(20,45,78,.07);border:1px solid #e8edf5;transition:.3s}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 40px rgba(20,45,78,.14)}
.ic{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;margin-bottom:18px}
.ic svg{width:26px;height:26px}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.18rem}.card p{margin:0;color:var(--mut)}
.note{margin-top:28px;font-size:.88rem;color:var(--mut);border-left:3px solid var(--gold);padding-left:14px}
.tier{margin:48px 0 18px;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:#9a7a3f;font-weight:800}
.tier.first{margin-top:0}
.cm{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.p{text-align:center;padding:30px 20px}
.av{width:92px;height:92px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;font-size:1.9rem;font-weight:800;color:#fff;background:linear-gradient(135deg,var(--navy),var(--blue));box-shadow:0 0 0 4px #fff,0 0 0 6px var(--gold)}
.p h3{font-size:1rem;margin:0 0 6px;line-height:1.35}.p span{color:var(--blue);font-weight:700;font-size:.88rem}
.top .av{background:linear-gradient(135deg,#a8863f,var(--gold))}
.cta{background:linear-gradient(135deg,var(--navy),#1c3f73);color:#fff;text-align:center}
.cta h2{color:#fff}.cta p{max-width:600px;margin:0 auto 28px;color:#d6e0f0}
footer{background:#0c1d36;color:#b9c6dc;padding:56px 0 28px}
.fg{display:grid;gap:32px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
footer h4{color:#fff;margin:0 0 10px}footer a{color:var(--gold)}
.copy{border-top:1px solid #1d3558;margin-top:36px;padding-top:20px;font-size:.85rem}
.top-btn{position:fixed;right:20px;bottom:20px;width:46px;height:46px;border-radius:50%;border:0;background:var(--gold);color:var(--navy);font-size:1.3rem;cursor:pointer;opacity:0;pointer-events:none;transition:.3s;box-shadow:0 6px 18px rgba(0,0,0,.25)}
.top-btn.v{opacity:1;pointer-events:auto}
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s}.rv.in{opacity:1;transform:none}
@media(max-width:860px){
.burger{display:block}
.menu{position:fixed;inset:72px 0 auto;flex-direction:column;align-items:stretch;background:#fff;padding:12px 24px 24px;box-shadow:0 20px 30px rgba(0,0,0,.15);transform:translateY(-130%);transition:.35s}
.menu.o{transform:none}.menu a,header.s .menu a{color:var(--navy);padding:13px 14px}.lang,header.s .lang{color:var(--navy);margin:8px 0 0}
.brand small{display:none}section{padding:72px 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}.rv{opacity:1;transform:none}}