:root{--navy:#12355B;--navy-dark:#071D33;--gold:#C89B3C;--gold-light:#E7C978;--paper:#FAF8F3;--soft:#F7F8FA;--ink:#1F2937;--muted:#5F6B7A;--line:#DDE4EE;--shadow:0 22px 60px rgba(7,29,51,.16);--radius:24px}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;color:var(--ink);line-height:1.65}img{max-width:100%;height:auto;display:block}a{color:var(--navy);text-decoration:none}.container{width:min(1180px,92%);margin:auto}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:1rem;top:1rem;background:var(--navy);color:white;padding:.75rem 1rem;z-index:999}.header{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);z-index:50}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1.2rem;padding:.9rem 0}.logo img{width:240px}.nav{display:flex;align-items:center;gap:1rem;font-weight:850;font-size:.92rem}.menu{display:none;border:0;background:var(--navy);color:white;border-radius:10px;padding:.65rem .9rem;font-weight:900}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:.9rem 1.16rem;font-weight:950;border:2px solid transparent;text-decoration:none;cursor:pointer}.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#10243D;box-shadow:0 10px 24px rgba(200,155,60,.30)}.btn-secondary{background:transparent;color:white;border-color:rgba(255,255,255,.55)}.btn-outline{background:white;color:var(--navy);border-color:var(--navy)}h1,h2,h3{font-family:Merriweather,Georgia,serif;line-height:1.13;margin:0 0 1rem;color:var(--navy)}h1{font-size:clamp(2.55rem,5.4vw,5.25rem);letter-spacing:-.05em}.hero{background:linear-gradient(115deg,rgba(7,29,51,.98),rgba(18,53,91,.91)),radial-gradient(circle at 82% 8%,rgba(200,155,60,.30),transparent 25%);color:white;overflow:hidden}.hero h1{color:white}.hero p{font-size:1.18rem;color:#E8EEF7;max-width:760px}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:3rem;align-items:center;padding:5.4rem 0}.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.5rem}.hero-photo{position:relative}.hero-photo:before{content:'';position:absolute;inset:24px -24px -24px 24px;border:1px solid rgba(200,155,60,.45);border-radius:34px}.hero-photo img{position:relative;border-radius:34px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.2);object-fit:cover;aspect-ratio:4/4.6}.credential-card{position:absolute;left:-28px;bottom:28px;background:white;color:var(--ink);border-radius:20px;padding:1rem;box-shadow:var(--shadow);max-width:285px;border:1px solid var(--line)}.section{padding:5rem 0}.section-soft{background:var(--soft)}.section-paper{background:var(--paper)}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.4rem}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:3rem}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:0 10px 28px rgba(18,53,91,.07)}.card.feature{border-top:5px solid var(--gold)}.kicker{color:var(--gold);font-weight:950;letter-spacing:.14em;text-transform:uppercase;font-size:.82rem}.lead{font-size:1.14rem;color:var(--muted);max-width:860px}.icon{width:48px;height:48px;border-radius:15px;background:linear-gradient(135deg,#FFF6DE,#ECD08F);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:.8rem}.situation{display:grid;grid-template-columns:.85fr 1.15fr;gap:2rem;align-items:center;background:white;border:1px solid var(--line);border-radius:32px;padding:2rem;box-shadow:var(--shadow)}.option-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.8rem}.option{padding:1rem;border:1px solid var(--line);border-radius:16px;background:var(--soft);font-weight:900;color:var(--navy)}.checklist{list-style:none;margin:1rem 0 0;padding:0}.checklist li{position:relative;margin:.7rem 0;padding-left:1.75rem}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:950}.bio-band{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:white}.bio-band h2{color:white}.bio-band .lead{color:#E8EEF7}.bio-grid{display:grid;grid-template-columns:.42fr .58fr;gap:2rem;align-items:center}.bio-grid img{border-radius:28px;box-shadow:var(--shadow)}.cta{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:white;border-radius:32px;padding:2.3rem;display:grid;grid-template-columns:1.35fr .65fr;gap:1rem;align-items:center;box-shadow:var(--shadow)}.cta h2{color:white}.article{max-width:930px}.article h1{color:var(--navy)}.price{font-size:1.85rem;font-family:Merriweather,Georgia,serif;color:var(--navy);font-weight:900;margin:.5rem 0}.form{display:grid;gap:.85rem;background:white;border:1px solid var(--line);border-radius:28px;padding:1.5rem;box-shadow:var(--shadow)}label{font-weight:900;color:var(--navy)}input,select,textarea{font:inherit;width:100%;padding:.9rem;border:1px solid var(--line);border-radius:12px}textarea{min-height:135px}.notice{font-size:.88rem;color:var(--muted)}.footer{background:var(--navy-dark);color:#DDE8F4;padding:3.2rem 0 1.4rem}.footer a{color:white}.footer h3{color:white}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:2rem}.footer-logo img{width:230px;filter:brightness(0) invert(1)}.footer-bottom{border-top:1px solid rgba(255,255,255,.16);margin-top:2rem;padding-top:1rem;font-size:.85rem;color:#B9C7D8}@media(max-width:980px){.menu{display:inline-flex}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:white;border-bottom:1px solid var(--line);padding:1rem;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.hero-grid,.grid-2,.grid-3,.grid-4,.split,.situation,.cta,.bio-grid,.footer-grid{grid-template-columns:1fr}.hero-grid{padding:4rem 0}.credential-card{position:static;margin-top:1rem}.logo img{width:205px}.option-grid{grid-template-columns:1fr}}