:root {
  --navy: #13213a;
  --navy-2: #1c2f50;
  --gold: #f2a623;
  --gold-dark: #d48c0f;
  --ink: #1d2433;
  --muted: #5b6577;
  --bg: #f6f7f9;
  --card: #ffffff;
  --line: #e3e6ec;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--gold-dark); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* Header */
header.site {
  background: var(--navy);
  position: sticky; top: 0; z-index: 10;
}
header.site .wrap {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 68px; gap: 16px; flex-wrap: wrap;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand svg { width: 34px; height: 34px; }
.brand .name { color: #fff; font-weight: 800; letter-spacing: .08em; font-size: 18px; line-height: 1; }
.brand .name small { display: block; color: var(--gold); font-weight: 600; letter-spacing: .32em; font-size: 10px; margin-top: 4px; }
nav.main { display: flex; gap: 18px; flex-wrap: wrap; }
nav.main a { color: #dfe5ef; text-decoration: none; font-size: 14px; font-weight: 500; }
nav.main a:hover { color: var(--gold); }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; padding: 72px 0 80px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; left: 50%; top: 0; bottom: 0; width: 6px;
  background: repeating-linear-gradient(to bottom, var(--gold) 0 26px, transparent 26px 50px);
  opacity: .18; transform: translateX(-50%);
}
.hero .wrap { position: relative; z-index: 1; }
.hero h1 { font-size: clamp(30px, 5vw, 48px); line-height: 1.15; margin: 0 0 16px; max-width: 720px; }
.hero h1 span { color: var(--gold); }
.hero p { font-size: 18px; color: #c9d2e1; max-width: 620px; margin: 0 0 28px; }
.btn {
  display: inline-block; background: var(--gold); color: var(--navy);
  font-weight: 700; text-decoration: none; padding: 13px 24px; border-radius: 8px;
  border: 0; cursor: pointer; font-size: 16px;
}
.btn:hover { background: var(--gold-dark); }
.btn.ghost { background: transparent; color: #fff; border: 2px solid #4a5d80; margin-left: 10px; }
.btn.ghost:hover { border-color: var(--gold); color: var(--gold); }

/* Sections */
section { padding: 64px 0; }
section h2 { font-size: 30px; margin: 0 0 8px; color: var(--navy); }
section .lead { color: var(--muted); margin: 0 0 32px; max-width: 680px; }
.grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 24px;
}
.card h3 { margin: 0 0 8px; color: var(--navy); font-size: 18px; }
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.card .ico {
  width: 40px; height: 40px; border-radius: 10px; background: #fff4e0; color: var(--gold-dark);
  display: grid; place-items: center; font-weight: 800; margin-bottom: 14px;
}
.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.steps { counter-reset: s; }
.steps .card h3::before {
  counter-increment: s; content: counter(s); display: inline-grid; place-items: center;
  width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: var(--gold);
  font-size: 14px; margin-right: 10px;
}

/* Contact / form */
.contact-grid { display: grid; gap: 28px; grid-template-columns: 1fr 1.3fr; }
@media (max-width: 820px) { .contact-grid { grid-template-columns: 1fr; } }
.info p { margin: 0 0 14px; }
.info strong { color: var(--navy); display: block; font-size: 13px; text-transform: uppercase; letter-spacing: .06em; }
form.optin { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 26px; }
form.optin label.f { display: block; font-weight: 600; font-size: 14px; margin: 0 0 6px; color: var(--navy); }
form.optin input[type=text], form.optin input[type=tel], form.optin input[type=email], form.optin select, form.optin textarea {
  width: 100%; padding: 11px 12px; border: 1px solid #cdd3dd; border-radius: 8px; font: inherit; margin-bottom: 16px; background: #fff;
}
form.optin textarea { min-height: 90px; resize: vertical; }
.row2 { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
@media (max-width: 520px) { .row2 { grid-template-columns: 1fr; } }
.consent {
  display: flex; gap: 10px; align-items: flex-start; background: #f8f9fb; border: 1px solid var(--line);
  border-radius: 8px; padding: 12px; margin-bottom: 16px; font-size: 13px; color: #3c4557;
}
.consent input { margin-top: 3px; width: 18px; height: 18px; flex: 0 0 auto; }
.fine { font-size: 12px; color: var(--muted); margin: 10px 0 0; }

/* Legal pages */
.legal { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 36px; margin: 40px auto; max-width: 820px; }
.legal h1 { color: var(--navy); margin-top: 0; }
.legal h2 { color: var(--navy); font-size: 20px; margin-top: 28px; }
.legal .updated { color: var(--muted); font-size: 14px; }

/* Footer */
footer.site { background: var(--navy); color: #aeb8c9; padding: 36px 0; font-size: 14px; }
footer.site .wrap { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
footer.site a { color: #dfe5ef; text-decoration: none; margin-right: 16px; }
footer.site a:hover { color: var(--gold); }

/* Blog */
.post-grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.post-card {
  display: block; background: var(--card); border: 1px solid var(--line); border-radius: 12px;
  padding: 22px; text-decoration: none; color: var(--ink); transition: border-color .15s, transform .15s;
}
.post-card:hover { border-color: var(--gold); transform: translateY(-2px); }
.post-card .tag { display: inline-block; background: #fff4e0; color: var(--gold-dark); font-size: 12px; font-weight: 700; padding: 3px 10px; border-radius: 99px; text-transform: uppercase; letter-spacing: .04em; }
.post-card h3 { margin: 12px 0 8px; color: var(--navy); font-size: 18px; line-height: 1.35; }
.post-card p { margin: 0 0 12px; color: var(--muted); font-size: 15px; }
.post-card .meta { color: #8a93a3; font-size: 13px; }
.blog-hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 56px 0; }
.blog-hero h1 { margin: 0 0 10px; font-size: clamp(28px, 4.5vw, 40px); }
.blog-hero p { margin: 0; color: #c9d2e1; max-width: 680px; font-size: 17px; }
article.post { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 40px; margin: 40px auto; max-width: 780px; }
@media (max-width: 600px) { article.post { padding: 24px 18px; margin: 20px auto; } }
article.post h1 { color: var(--navy); font-size: clamp(26px, 4vw, 36px); line-height: 1.2; margin: 6px 0 10px; }
article.post h2 { color: var(--navy); font-size: 22px; margin: 32px 0 10px; }
article.post h3 { color: var(--navy); font-size: 18px; margin: 24px 0 8px; }
article.post p, article.post li { font-size: 17px; }
article.post li { margin-bottom: 6px; }
article.post .meta { color: var(--muted); font-size: 14px; margin: 0 0 24px; }
article.post .crumbs { font-size: 14px; margin: 0; }
article.post .crumbs a { text-decoration: none; }
article.post .note { background: #f8f9fb; border-left: 4px solid var(--gold); padding: 14px 18px; border-radius: 6px; font-size: 15px; color: #3c4557; }
article.post table { border-collapse: collapse; width: 100%; margin: 16px 0; font-size: 15px; }
article.post th, article.post td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
article.post th { background: #f3f5f8; color: var(--navy); }
.cta-box { background: var(--navy); color: #dfe5ef; border-radius: 12px; padding: 28px; margin-top: 36px; }
.cta-box h3 { color: #fff !important; margin: 0 0 8px !important; font-size: 21px !important; }
.cta-box p { color: #c9d2e1; font-size: 16px !important; }
.btn.ghost-dark { background: transparent; color: #fff; border: 2px solid #4a5d80; margin-left: 10px; }
.btn.ghost-dark:hover { border-color: var(--gold); color: var(--gold); }
.related { max-width: 780px; margin: 0 auto 56px; }
.related h2 { color: var(--navy); font-size: 22px; }