:root{--navy:#0d1d38;--navy2:#142b4b;--gold:#c8a15a;--goldlight:#e2c88f;--ink:#17233a;--muted:#647084;--bg:#fff;--tint:#f4f6f9;--border:#e2e6ed}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--bg)}a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.skip{position:absolute;top:-60px;background:#fff;padding:12px;z-index:100}.skip:focus{top:0}.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:20;border-bottom:1px solid #ffffff22}.nav,.nav nav{display:flex;align-items:center;gap:26px}.nav{justify-content:space-between;min-height:84px}.nav nav a{text-decoration:none;font-size:.91rem}.nav nav a:hover{color:var(--goldlight)}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;letter-spacing:.09em;font-size:.87rem;line-height:1.3}.brand b{display:block;color:var(--goldlight)}.brand-mark{display:grid;place-items:center;width:45px;height:45px;border:1px solid var(--gold);color:var(--goldlight);font-family:Georgia,serif;font-size:1.25rem}.menu-toggle{display:none}.btn{display:inline-flex;justify-content:center;align-items:center;text-decoration:none;border:1px solid transparent;border-radius:4px;padding:13px 21px;font-weight:700;font-size:.92rem;cursor:pointer;transition:transform .2s,background .2s}.btn:hover:not(:disabled){transform:translateY(-2px)}.btn-gold{background:var(--gold);color:var(--navy)!important}.btn-gold:hover{background:var(--goldlight)}.btn-outline{border-color:#8d9bb0;color:#fff}.btn-outline-dark{border-color:var(--navy);background:transparent;color:var(--navy)}.btn:disabled{opacity:.5;cursor:not-allowed}.btn.small{padding:9px 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h2{font-size:2rem}.hero-panel p{font-size:.95rem}.panel-icon{font-size:2rem;color:var(--goldlight);margin-bottom:15px}.panel-line{padding:15px 0;border-top:1px solid #ffffff2b}.panel-line span{color:var(--goldlight);margin-right:15px;font-weight:800}.section{padding:90px 0}.section.tint{background:var(--tint)}.lead{color:var(--muted);max-width:760px;font-size:1.08rem}.cards,.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:35px}.service{border:1px solid var(--border);padding:30px;background:#fff;box-shadow:0 8px 25px #12254208}.service-icon{font-size:2rem;color:#9d7737}.service p,.steps p{color:var(--muted)}.service a{color:#886526;font-weight:700;text-decoration:none}.steps>div{padding:18px 12px}.steps b{color:#9c773b;font-size:2rem}.form-card{background:#fff;padding:32px;border:1px solid var(--border);border-radius:7px;box-shadow:0 15px 35px #0d1d3812}.form-card h3{margin-bottom:25px}.form-card 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