:root{--ink:#101827;--muted:#5b6472;--paper:#f7f5f0;--surface:#ffffff;--navy:#0b1d33;--navy2:#132c4b;--gold:#bf9553;--gold2:#e1c18c;--line:#dfe4ea;--success:#1c7c68;--shadow:0 20px 60px rgba(8,24,44,.12);--radius:22px;--max:1180px}
[data-theme="dark"]{--ink:#eef3f8;--muted:#aeb8c6;--paper:#071321;--surface:#0d2035;--navy:#06101d;--navy2:#173554;--line:#29425d;--shadow:0 20px 60px rgba(0,0,0,.35)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--paper);color:var(--ink);line-height:1.65}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,select,textarea{font:inherit}.container{width:min(var(--max),calc(100% - 36px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:999;background:#fff;padding:10px 14px;border-radius:8px}.topbar{background:var(--navy);color:#dbe7f5;font-size:.84rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}.topbar a:hover{color:#fff}.header{position:sticky;top:0;z-index:100;background:color-mix(in srgb,var(--surface) 94%,transparent);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:.02em}.brand-mark{width:46px;height:46px;border-radius:15px;background:linear-gradient(145deg,var(--gold2),var(--gold));display:grid;place-items:center;color:var(--navy);font-family:Georgia,serif;font-size:1.5rem;box-shadow:0 10px 28px rgba(191,149,83,.28)}.brand-text{line-height:1.05}.brand-text small{display:block;font-size:.63rem;letter-spacing:.18em;color:var(--muted);margin-top:5px}.navlinks{display:flex;align-items:center;gap:24px;font-size:.94rem;font-weight:650}.navlinks a{padding:10px 0;border-bottom:2px solid transparent}.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--gold);border-color:var(--gold)}.actions{display:flex;align-items:center;gap:10px}.icon-btn{border:1px solid var(--line);background:var(--surface);color:var(--ink);width:42px;height:42px;border-radius:50%;cursor:pointer}.menu-btn{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:999px;padding:13px 20px;font-weight:750;cursor:pointer;transition:.2s}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--gold);color:#101827;box-shadow:0 12px 30px rgba(191,149,83,.28)}.btn-dark{background:var(--navy);color:#fff}.btn-outline{border:1px solid var(--line);background:var(--surface);color:var(--ink)}.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy),#102b4a 58%,#173b60);color:#fff;padding:90px 0 84px}.hero:before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;right:-180px;top:-230px;border:1px solid rgba(255,255,255,.12);box-shadow:0 0 0 70px rgba(255,255,255,.025),0 0 0 140px rgba(255,255,255,.018)}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:60px}.eyebrow{display:inline-flex;align-items:center;gap:9px;text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.76rem;color:var(--gold2)}.eyebrow:before{content:"";width:34px;height:1px;background:currentColor}.hero h1,.page-hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;line-height:1.03;letter-spacing:-.035em;margin:18px 0 22px}.hero h1{font-size:clamp(3rem,6vw,5.65rem)}.hero p{font-size:1.12rem;color:#d6e0eb;max-width:670px}.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:42px}.trust-item{border-left:1px solid rgba(255,255,255,.25);padding-left:18px}.trust-item strong{display:block;font-size:1.12rem}.trust-item span{color:#afbdcc;font-size:.82rem}.hero-art{position:relative}.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:30px;padding:18px;box-shadow:0 30px 80px rgba(0,0,0,.28);backdrop-filter:blur(10px)}.floating{position:absolute;background:var(--surface);color:var(--ink);border-radius:18px;padding:14px 16px;box-shadow:var(--shadow);font-size:.84rem}.floating.one{left:-24px;bottom:45px}.floating.two{right:-14px;top:34px}.floating strong{display:block;color:var(--success)}.section{padding:86px 0}.section-sm{padding:58px 0}.section-alt{background:var(--surface)}.section-dark{background:var(--navy);color:#fff}.section-title{max-width:760px;margin-bottom:38px}.section-title.center{text-align:center;margin-left:auto;margin-right:auto}.section-title h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.2rem,4vw,3.7rem);line-height:1.1;letter-spacing:-.03em;margin:12px 0 14px}.section-title p{color:var(--muted);font-size:1.04rem}.section-dark .section-title p{color:#b7c4d3}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 12px 40px rgba(8,24,44,.04);transition:.25s}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.card-icon{width:54px;height:54px;border-radius:17px;display:grid;place-items:center;background:linear-gradient(145deg,#f6ead8,#e6c997);color:var(--navy);font-size:1.35rem;margin-bottom:20px}.card h3{font-size:1.25rem;margin:0 0 9px}.card p{color:var(--muted);margin:0 0 16px}.text-link{font-weight:800;color:var(--gold)}.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.image-panel{border-radius:30px;overflow:hidden;background:var(--navy2);box-shadow:var(--shadow)}.feature-list{display:grid;gap:16px;margin:28px 0}.feature{display:flex;gap:14px}.feature b{display:grid;place-items:center;flex:0 0 28px;height:28px;border-radius:50%;background:#e9f4ef;color:var(--success)}.feature p{margin:0;color:var(--muted)}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{padding:24px;border:1px solid rgba(255,255,255,.15);border-radius:20px}.stat strong{font-family:Georgia,serif;font-size:2.4rem;color:var(--gold2);display:block}.stat span{color:#bac7d5;font-size:.88rem}.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.process .card{position:relative}.process .card:before{counter-increment:step;content:"0" counter(step);display:block;color:var(--gold);font-weight:900;font-size:.82rem;letter-spacing:.12em;margin-bottom:32px}.quote{font-family:Georgia,serif;font-size:1.45rem;line-height:1.45;margin:0 0 18px}.person{display:flex;align-items:center;gap:12px}.avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(145deg,var(--gold2),var(--gold));display:grid;place-items:center;color:#12243a;font-weight:900}.notice{padding:18px 20px;border-radius:16px;background:#fff6e8;border:1px solid #ead0a5;color:#654a20}.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:75px 0}.page-hero h1{font-size:clamp(2.8rem,5vw,4.8rem);max-width:850px}.page-hero p{max-width:740px;color:#c8d4e1;font-size:1.08rem}.breadcrumbs{font-size:.82rem;color:#aebdcd;margin-bottom:18px}.breadcrumbs a{color:var(--gold2)}.prose{max-width:820px}.prose h2,.prose h3{font-family:Georgia,serif;line-height:1.2}.prose h2{font-size:2rem;margin-top:42px}.prose h3{font-size:1.35rem;margin-top:28px}.prose p,.prose li{color:var(--muted)}.prose a{color:var(--gold);text-decoration:underline}.sidebar-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:42px}.side-card{background:var(--surface);border:1px solid var(--line);padding:22px;border-radius:20px;position:sticky;top:108px}.side-card h3{margin-top:0}.side-card nav{display:grid;gap:8px}.side-card nav a{padding:9px 12px;border-radius:10px}.side-card nav a:hover{background:var(--paper);color:var(--gold)}.calculator{background:var(--surface);border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:750;font-size:.9rem}.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);background:var(--paper);color:var(--ink);border-radius:13px;padding:12px 14px;outline:0}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(191,149,83,.13)}.result{display:none;margin-top:20px;border-radius:18px;padding:20px;background:var(--navy);color:#fff}.result.show{display:block}.result strong{font-size:1.8rem;color:var(--gold2)}.faq{display:grid;gap:12px}.faq-item{border:1px solid var(--line);border-radius:16px;background:var(--surface);overflow:hidden}.faq-q{width:100%;border:0;background:transparent;color:var(--ink);padding:18px 20px;text-align:left;font-weight:800;display:flex;justify-content:space-between;cursor:pointer}.faq-a{display:none;padding:0 20px 20px;color:var(--muted)}.faq-item.open .faq-a{display:block}.article-controls{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:24px}.article-controls input,.article-controls select{border:1px solid var(--line);background:var(--surface);color:var(--ink);padding:12px 14px;border-radius:12px}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.article-card{background:var(--surface);border:1px solid var(--line);border-radius:20px;overflow:hidden}.article-cover{height:160px;background:linear-gradient(135deg,var(--navy2),#244f78);position:relative}.article-cover:after{content:"";position:absolute;inset:22px;border:1px solid rgba(255,255,255,.28);border-radius:50% 10% 50% 10%;transform:rotate(-8deg)}.article-body{padding:22px}.tag{display:inline-flex;padding:5px 9px;border-radius:999px;background:#f2e8d7;color:#6d512b;font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.article-body h3{margin:12px 0 8px}.article-body p{color:var(--muted);font-size:.91rem}.cta{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#101827;border-radius:30px;padding:46px;display:flex;justify-content:space-between;align-items:center;gap:30px}.cta h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.2rem);margin:0 0 8px}.footer{background:#061321;color:#d4dfeb;padding:64px 0 24px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:34px}.footer h4{color:#fff;margin-top:0}.footer p,.footer a{color:#9fb0c2;font-size:.9rem}.footer nav{display:grid;gap:9px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:42px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;color:#91a3b5;font-size:.78rem}.badge{display:inline-flex;padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.18);font-size:.72rem;color:#bac8d6}.archive-box{min-height:310px;display:grid;place-items:center;text-align:center}.hidden{display:none!important}@media(max-width:1000px){.navlinks{position:fixed;inset:82px 0 auto;background:var(--surface);padding:22px 28px;display:none;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}.navlinks.open{display:flex}.menu-btn{display:block}.nav .btn-primary{display:none}.hero-grid,.split,.sidebar-layout{grid-template-columns:1fr}.hero-art{max-width:650px}.grid-3,.article-grid{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:680px){.topbar .container{display:block;text-align:center}.topbar span:last-child{display:none}.nav{height:72px}.navlinks{inset:72px 0 auto}.brand-text{font-size:.88rem}.hero{padding:64px 0}.hero h1{font-size:3.1rem}.hero-grid{gap:36px}.floating{display:none}.trust-row,.stats,.grid-3,.grid-2,.article-grid,.process,.form-grid{grid-template-columns:1fr}.section{padding:64px 0}.cta{padding:30px;display:block}.cta .btn{margin-top:18px}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}.actions .icon-btn:first-child{display:none}}