:root{
  --navy:#0f2a47; --navy-2:#173a60; --gold:#c9a24a; --gold-2:#e2c47a;
  --ink:#1c2533; --muted:#5b6778; --line:#e3e7ee; --bg:#ffffff; --soft:#f5f7fa;
  --ok:#1f8a4c; --warn:#b7791f; --bad:#c0392b;
  --radius:14px; --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy-2)}
img{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

/* Header */
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:19px;letter-spacing:-.2px}
.brand .mark{width:34px;height:34px;border-radius:9px;background:var(--navy);display:grid;place-items:center;color:var(--gold);font-weight:900;font-size:17px}
nav.main a{margin-left:22px;text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}
nav.main a:hover{color:var(--navy-2)}
nav.main a.cta{background:var(--gold);color:var(--navy);padding:9px 16px;border-radius:999px;font-weight:700}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 10px;font-size:18px}
@media (max-width:820px){
  nav.main{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 18px}
  nav.main.open{display:block}
  nav.main a{display:block;margin:12px 0}
  .menu-btn{display:block}
}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:84px 0 92px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,74,.25),transparent 70%)}
.hero .wrap{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-block;color:var(--gold-2);font-weight:700;font-size:14px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.hero h1{font-size:clamp(32px,4.6vw,50px);line-height:1.12;margin:0 0 18px;letter-spacing:-.8px}
.hero p.lead{font-size:19px;color:#d9e2ee;margin:0 0 28px;max-width:560px}
.btn{display:inline-block;padding:14px 24px;border-radius:999px;font-weight:700;text-decoration:none;font-size:16px;border:2px solid transparent;cursor:pointer}
.btn.gold{background:var(--gold);color:var(--navy)}
.btn.gold:hover{background:var(--gold-2)}
.btn.ghost{border-color:rgba(255,255,255,.55);color:#fff;margin-left:10px}
.btn.navy{background:var(--navy);color:#fff}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card h3{margin:0 0 6px;color:var(--navy);font-size:19px}
.hero-card .small{color:var(--muted);font-size:14px;margin:0 0 14px}
.trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;color:#c9d4e3;font-size:14px}
.trust b{display:block;color:#fff;font-size:22px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}.btn.ghost{margin:10px 0 0}}

/* Sections */
section{padding:80px 0}
section.soft{background:var(--soft)}
.section-head{max-width:720px;margin:0 0 40px}
.section-head h2{font-size:clamp(26px,3.2vw,36px);margin:0 0 10px;color:var(--navy);letter-spacing:-.5px}
.section-head p{color:var(--muted);margin:0;font-size:18px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.g3,.g2,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h3{margin:10px 0 8px;color:var(--navy);font-size:20px}
.card p{margin:0;color:var(--muted)}
.icon{width:46px;height:46px;border-radius:12px;background:#eef3f9;display:grid;place-items:center;font-size:22px}
.step .num{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800}
ul.check{list-style:none;padding:0;margin:14px 0 0}
ul.check li{padding-left:28px;position:relative;margin:8px 0;color:var(--ink)}
ul.check li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}

/* Banner */
.banner{background:var(--navy);color:#fff;border-radius:20px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.banner h2{margin:0 0 6px;font-size:28px}
.banner p{margin:0;color:#c9d4e3}

/* Regulatory box */
.reg{border-left:4px solid var(--gold);background:#fffaf0;padding:20px 24px;border-radius:10px;font-size:15px;color:#3b3b3b}
.reg strong{color:var(--navy)}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:12px}
details summary{cursor:pointer;font-weight:700;color:var(--navy)}
details p{color:var(--muted);margin:10px 0 0}

/* Contact */
.contact-line{display:flex;align-items:center;gap:12px;margin:10px 0;font-size:18px}
.contact-line a{text-decoration:none;font-weight:600}

/* Footer */
footer.site{background:#0a1d33;color:#a9b6c8;padding:46px 0 30px;font-size:14px}
footer.site a{color:#d8e1ec}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer.site h4{color:#fff;margin:0 0 10px;font-size:15px}
footer.site .legal{border-top:1px solid #1f3552;margin-top:30px;padding-top:18px;font-size:13px}
@media (max-width:760px){footer.site .cols{grid-template-columns:1fr}}

/* Calculator */
.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:start}
@media (max-width:960px){.calc{grid-template-columns:1fr}}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px 8px;margin:0 0 20px;background:#fff}
legend{font-weight:800;color:var(--navy);padding:0 8px}
.field{display:flex;justify-content:space-between;align-items:center;gap:14px;margin:0 0 12px}
.field label{font-size:15px;color:var(--ink);flex:1}
.field input{width:150px;padding:9px 12px;border:1px solid #cfd6e1;border-radius:9px;font-size:16px;text-align:right;font-family:inherit}
.field input:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.hint{font-size:13px;color:var(--muted);margin:-6px 0 12px}
.result{position:sticky;top:86px}
.verdict{border-radius:var(--radius);padding:22px;color:#fff;margin-bottom:18px}
.verdict small{display:block;opacity:.85;font-size:13px;text-transform:uppercase;letter-spacing:.08em}
.verdict b{font-size:26px;display:block;margin:4px 0}
.v-ok{background:var(--ok)} .v-mid{background:var(--warn)} .v-bad{background:var(--bad)}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}
.kpi span{display:block;font-size:13px;color:var(--muted)}
.kpi b{font-size:21px;color:var(--navy)}
table.ind{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:14.5px;margin-bottom:18px}
table.ind th,table.ind td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
table.ind th{background:var(--soft);color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.04em}
table.ind td.num{text-align:right;font-variant-numeric:tabular-nums}
.tag{display:inline-block;padding:2px 9px;border-radius:999px;font-size:12px;font-weight:700}
.t-ok{background:#e3f4ea;color:var(--ok)} .t-mid{background:#fdf1dc;color:var(--warn)} .t-bad{background:#fbe3e0;color:var(--bad)}
.disclaimer{font-size:13px;color:var(--muted)}

/* Legal pages */
.legal-page{max-width:820px;padding:60px 20px}
.legal-page h1{color:var(--navy)}
.legal-page h2{color:var(--navy);font-size:21px;margin-top:34px}
.pending{background:#fff3cd;padding:1px 6px;border-radius:4px}