:root{
  --navy:#1a2744;--navy-light:#2d3f6b;--navy-dark:#0f1a30;
  --gold:#c8a84b;--gold-light:#e8cc7a;
  --gray-100:#f5f6f8;--gray-200:#e8eaee;--gray-400:#9aa0b0;--gray-600:#5a6278;--gray-800:#2c3144;
  --white:#fff;--wa:#25d366;
  --radius:8px;--radius-lg:14px;
  --shadow:0 2px 12px rgba(26,39,68,.10);--shadow-lg:0 6px 32px rgba(26,39,68,.14);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:72px}
body{font-family:'Segoe UI',system-ui,-apple-system,Roboto,sans-serif;background:var(--gray-100);color:var(--gray-800);line-height:1.65}
a{color:inherit}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
header{position:sticky;top:0;z-index:50;background:var(--navy);box-shadow:var(--shadow)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--white);font-weight:700;font-size:1.2rem;letter-spacing:.2px}
.logo-mark{display:none}
.logo{font-size:1.35rem;letter-spacing:.3px}
.logo>span:last-child{padding-bottom:3px;border-bottom:2px solid var(--gold);line-height:1.2}
.logo span b{color:var(--gold)}
.nav ul{display:flex;list-style:none;gap:22px}
.nav ul a{color:#d7dcea;text-decoration:none;font-size:.95rem}
.nav ul a:hover{color:var(--gold-light)}
.lang{border:1px solid rgba(255,255,255,.3);border-radius:20px;padding:4px 12px;color:var(--white);text-decoration:none;font-size:.85rem;white-space:nowrap}
.lang:hover{border-color:var(--gold)}
@media (max-width:820px){.nav ul{display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:var(--radius);font-weight:600;text-decoration:none;font-size:1rem;transition:transform .12s,box-shadow .12s}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-lg)}
.btn-wa{background:var(--wa);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.5);color:#fff}
.btn svg{width:20px;height:20px;flex-shrink:0}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy-light));color:var(--white);padding:72px 0 64px}
.hero .eyebrow{color:var(--gold-light);font-weight:600;font-size:.9rem;letter-spacing:.5px;text-transform:uppercase}
.hero h1{font-size:clamp(1.8rem,4.5vw,2.8rem);line-height:1.2;margin:10px 0 16px;max-width:780px}
.hero p.lead{font-size:1.1rem;color:#d7dcea;max-width:640px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 32px}
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;font-size:.92rem;color:#d7dcea}
.trust span{display:flex;align-items:center;gap:7px}
.trust b{color:var(--gold-light)}

/* Sections */
section{padding:64px 0}
section.alt{background:var(--white)}
.sec-head{max-width:680px;margin-bottom:34px}
.sec-head h2{font-size:clamp(1.5rem,3vw,2rem);color:var(--navy);line-height:1.25}
.sec-head h2::after{content:"";display:block;width:48px;height:3px;background:var(--gold);margin-top:12px;border-radius:2px}
.sec-head p{margin-top:12px;color:var(--gray-600)}

.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:22px;box-shadow:var(--shadow)}
section.alt .card{background:var(--gray-100);box-shadow:none}
.card h3{color:var(--navy);font-size:1.05rem;margin-bottom:6px}
.card p,.card li{color:var(--gray-600);font-size:.95rem}
.card ul{padding-left:18px}

/* Steps */
.steps{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));counter-reset:s}
.step{position:relative;padding-top:58px}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:18px;left:22px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:700}
.tips{margin-top:22px;background:#fffaf0;border:1px solid #f0e2b8;border-radius:var(--radius-lg);padding:18px 22px}
.tips h3{color:var(--navy);font-size:1rem;margin-bottom:6px}
.tips ul{padding-left:18px;color:var(--gray-600);font-size:.95rem}

/* Two columns */
.two{display:grid;gap:34px;grid-template-columns:1fr 1fr;align-items:start}
@media (max-width:820px){.two{grid-template-columns:1fr}}
.highlight{background:var(--navy);color:#d7dcea;border-radius:var(--radius-lg);padding:26px}
.highlight h3{color:var(--gold-light);margin-bottom:10px}
.highlight li{margin:6px 0 6px 18px}

/* About */
.about{display:grid;grid-template-columns:200px 1fr;gap:34px;align-items:start}
@media (max-width:700px){.about{grid-template-columns:1fr}}
.photo{width:200px;height:200px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:3rem;font-weight:700;border:4px solid var(--gold);overflow:hidden}
.photo img{width:100%;height:100%;object-fit:cover}
.about p{margin-bottom:12px}
.creds{list-style:none;margin-top:14px}
.creds li{padding:6px 0 6px 28px;position:relative}
.creds li::before{content:"✓";position:absolute;left:4px;color:var(--gold);font-weight:700}

/* FAQ */
details{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);margin-bottom:10px}
section.alt details{background:var(--gray-100)}
summary{cursor:pointer;padding:16px 20px;font-weight:600;color:var(--navy);list-style:none;position:relative;padding-right:44px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:20px;top:12px;font-size:1.4rem;color:var(--gold)}
details[open] summary::after{content:"–"}
details div{padding:0 20px 18px;color:var(--gray-600)}

/* Contact */
.contact-box{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.contact-box .card a{font-weight:600;color:var(--navy);text-decoration:none;font-size:1.05rem}
.areas{margin-top:22px;color:var(--gray-600);font-size:.95rem}

/* Footer */
footer{background:var(--navy-dark);color:var(--gray-400);padding:34px 0;font-size:.9rem}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px}
footer a{color:#d7dcea;text-decoration:none;margin-right:16px}
footer a:hover{color:var(--gold-light)}

/* Floating WhatsApp */
.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;width:58px;height:58px;border-radius:50%;background:var(--wa);display:grid;place-items:center;box-shadow:var(--shadow-lg)}
.wa-float svg{width:30px;height:30px;fill:#fff}

/* Legal pages */
.legal{max-width:780px;margin:0 auto;padding:48px 20px 64px}
.legal h1{color:var(--navy);margin-bottom:20px}
.legal h2{color:var(--navy);font-size:1.15rem;margin:28px 0 8px}
.legal p,.legal li{margin-bottom:8px}
.legal ul{padding-left:20px}