:root{
  --bg:#f6f1ea;
  --surface:#fffdf9;
  --ink:#0f1b2d;
  --muted:#5e6676;
  --gold:#b78a3f;
  --gold-dark:#946d2d;
  --line:#e5dbc9;
  --accent:#1e2e4a;
  --shadow:0 18px 40px rgba(15,27,45,.08);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:linear-gradient(180deg,#f8f4ee 0%,#f5efe6 100%);
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1160px,calc(100% - 32px));margin:0 auto}
.topbar{
  position:sticky;top:0;z-index:50;
  backdrop-filter:blur(14px);
  background:rgba(248,244,238,.88);
  border-bottom:1px solid rgba(183,138,63,.12);
}
.topbar .inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{font-family:Georgia,"Times New Roman",serif;font-weight:700;font-size:1.6rem;letter-spacing:-.02em}
.brand small{display:block;font-family:Inter,sans-serif;font-size:.78rem;font-weight:600;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:2px}
.nav-links{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  border-radius:14px;padding:13px 18px;font-weight:700;
  transition:.2s ease;line-height:1;border:1px solid transparent;
}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:linear-gradient(180deg,#c89d56 0%,#ad7d31 100%);color:#fff;box-shadow:0 14px 28px rgba(183,138,63,.24)}
.btn-gold:hover{background:linear-gradient(180deg,#cea45d 0%,#a9772d 100%)}
.btn-outline{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:#d2c3a7;background:#fffcf6}
.btn-dark{background:var(--ink);color:#fff}
.hero{padding:72px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:10px;padding:8px 14px;border-radius:999px;background:rgba(183,138,63,.12);color:var(--gold-dark);font-weight:800;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.3rem,4vw,4.2rem);line-height:1.05;letter-spacing:-.03em;margin:18px 0 16px}
.hero p.lead{font-size:1.1rem;color:var(--muted);max-width:62ch;margin:0 0 24px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.kpi{background:rgba(255,255,255,.75);border:1px solid rgba(183,138,63,.15);border-radius:18px;padding:18px;box-shadow:var(--shadow)}
.kpi strong{display:block;font-size:1.5rem;font-family:Georgia,serif;margin-bottom:4px}
.kpi span{font-size:.94rem;color:var(--muted)}
.panel{background:rgba(255,255,255,.84);border:1px solid rgba(183,138,63,.14);border-radius:28px;padding:28px;box-shadow:var(--shadow)}
.panel h3{margin:0 0 14px;font-size:1.2rem}
.checklist{display:grid;gap:12px;padding:0;margin:18px 0 0;list-style:none}
.checklist li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid rgba(183,138,63,.12);padding:14px 16px;border-radius:16px}
.checklist li .icon{width:28px;height:28px;border-radius:10px;display:grid;place-items:center;background:rgba(183,138,63,.15);font-size:14px;flex:0 0 28px}
.section{padding:36px 0}
.section-title{max-width:760px;margin-bottom:24px}
.section-title .overline{font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-dark);font-size:.8rem}
.section-title h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.8rem,3vw,3rem);line-height:1.12;letter-spacing:-.02em;margin:10px 0 10px}
.section-title p{color:var(--muted);margin:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.card h3{margin:0 0 10px;font-size:1.18rem}
.card p{margin:0;color:var(--muted)}
.card ul{margin:14px 0 0;padding-left:18px;color:var(--muted)}
.number-step{display:flex;gap:14px;align-items:flex-start}
.number-step .num{width:40px;height:40px;border-radius:14px;background:rgba(183,138,63,.15);color:var(--gold-dark);font-weight:800;display:grid;place-items:center;flex:0 0 40px}
.banner{margin:12px 0 0;background:linear-gradient(135deg,#18253b 0%,#0f1b2d 100%);color:#fff;border-radius:28px;padding:34px;border:1px solid rgba(255,255,255,.08);box-shadow:var(--shadow)}
.banner p{color:rgba(255,255,255,.8)}
.faqs{display:grid;gap:14px}
.faq{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:18px 20px;box-shadow:var(--shadow)}
.faq h3{margin:0 0 8px;font-size:1.05rem}
.faq p{margin:0;color:var(--muted)}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.related .card{padding:22px}
.related .card a{display:inline-flex;margin-top:16px;font-weight:800;color:var(--gold-dark)}
.footer{padding:48px 0 70px;color:#d9deea;background:#09111e;margin-top:48px}
.footer .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.footer .brand{color:#fff}
.footer p{margin:8px 0 0;color:#aab3c4}
.muted{color:var(--muted)}
.note{font-size:.92rem;color:var(--muted)}
.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.pill{padding:10px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:700;color:var(--accent)}
.hero-card-list{display:grid;gap:14px;margin-top:18px}
.hero-mini-card{padding:16px 18px;border-radius:18px;background:#fff;border:1px solid rgba(183,138,63,.16)}
.hero-mini-card strong{display:block;margin-bottom:4px}

@media (max-width:960px){
  .hero-grid,.grid-3,.grid-2,.related{grid-template-columns:1fr}
  .kpis{grid-template-columns:1fr}
  .hero{padding-top:48px}
}

@media (max-width:640px){
  .topbar .inner{align-items:flex-start;flex-direction:column}
  .btn{width:100%}
  .cta-row{flex-direction:column}
  .brand{font-size:1.35rem}
  .panel,.banner,.card{padding:20px}
}