*,*::before,*::after{box-sizing:border-box}
html:focus-within{scroll-behavior:smooth}
body{margin:0;font-family:Georgia,serif;line-height:1.6;color:#333;background:#fafafa}
a{color:inherit}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:#ffd700;color:#1a365d;padding:1rem 1.25rem;border-radius:10px;font-weight:700;text-decoration:none;box-shadow:0 4px 10px rgba(0,0,0,.08);transition:transform .2s,box-shadow .2s,background .2s}
.btn:hover{background:#ffed4e;transform:translateY(-2px);box-shadow:0 8px 18px rgba(0,0,0,.12)}
.btn.secondary{background:#fff;color:#1a365d;border:2px solid #1a365d}
header{background:linear-gradient(135deg,#1a365d 0%,#2d5a87 100%);color:#fff;box-shadow:0 2px 10px rgba(0,0,0,.1)}
.header-wrap{padding:1rem 0}
.header-content{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.logo{font-size:1.8rem;font-weight:700;letter-spacing:.3px}
.contact-info{text-align:right}
.phone{font-size:1.15rem;font-weight:700;color:#ffd700;text-decoration:none}
.phone:hover{color:#ffed4e}
nav{background:#2d5a87;border-bottom:3px solid #ffd700}
.nav-links{list-style:none;display:flex;justify-content:center;flex-wrap:wrap;gap:1rem 1.5rem;padding:.85rem 0;margin:0}
.nav-links a{color:#fff;text-decoration:none;font-weight:500;padding:.4rem .8rem;border-radius:6px}
.nav-links a:hover,.nav-links a:focus{background:#1a365d;outline:none}
.hero{background:linear-gradient(rgba(26,54,93,.85),rgba(26,54,93,.85)),url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 600"><rect fill="%23f0f4f7" width="1200" height="600"/><path fill="%23e2e8f0" d="M0 400c200-50 400-50 600 0s400 50 600 0V600H0V400z"/></svg>');color:#fff;text-align:center;padding:4rem 0;background-size:cover;background-position:center}
.hero h1{font-size:2.4rem;margin:0 0 .75rem}
.hero p{font-size:1.1rem;max-width:840px;margin:0 auto 1rem}
.hero .cta-row{display:flex;justify-content:center;flex-wrap:wrap;gap:.75rem}
main{padding:3rem 0}
.section{margin-bottom:3rem}
.section h2{color:#1a365d;font-size:2rem;text-align:center;border-bottom:3px solid #ffd700;padding-bottom:.6rem;margin:0 0 1.5rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem}
.card{background:#fff;padding:1.25rem;border-radius:10px;box-shadow:0 4px 8px rgba(0,0,0,.06);border-left:4px solid #ffd700}
.card h3{color:#1a365d;margin-top:0}
.muted{color:#666;font-size:.95rem}
.process{background:#fff;padding:1.25rem;border-radius:10px;box-shadow:0 4px 8px rgba(0,0,0,.06)}
.step{display:flex;gap:1rem;align-items:flex-start;margin-bottom:1rem}
.num{background:#ffd700;color:#1a365d;width:2.5rem;height:2.5rem;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0}
.alert{background:#fff3cd;border:1px solid #ffeaa7;border-left:4px solid #ffd700;border-radius:8px;padding:1rem;margin:1rem 0}
.alert-info{background:#d1ecf1;border-color:#b6d7ff;border-left-color:#007bff}
details.faq{background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:1rem 1.1rem}
details.faq+details.faq{margin-top:.75rem}
details.faq summary{cursor:pointer;font-weight:700;color:#1a365d}
.contact-form{background:#fff;padding:1.5rem;border-radius:10px;box-shadow:0 4px 8px rgba(0,0,0,.06);max-width:640px;margin:0 auto}
.form-group{margin-bottom:1rem}
.form-group label{display:block;margin-bottom:.4rem;font-weight:700;color:#1a365d}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:.8rem;border:2px solid #e2e8f0;border-radius:8px;font-size:1rem}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{outline:none;border-color:#ffd700;box-shadow:0 0 0 3px rgba(255,215,0,.2)}
.submit-btn{background:#1a365d;color:#fff;padding:1rem 1.1rem;border:none;border-radius:8px;font-size:1.05rem;font-weight:700;width:100%;cursor:pointer}
.submit-btn:hover{background:#2d5a87}
footer{background:#1a365d;color:#fff;margin-top:3rem}
.footer-body{padding:2rem 0}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.25rem;align-items:flex-start}
.footer-section h3{color:#ffd700;margin-top:0}
.footer-section ul{list-style:none;margin:0;padding:0}
.footer-section li{margin:.4rem 0}
footer a{text-decoration:none;color:#cbd5e0}
footer a:hover{color:#ffd700}
@media (max-width:768px){
  .header-content{flex-direction:column;text-align:center}
  .contact-info{text-align:center}
  .hero h1{font-size:2rem}
  .grid{grid-template-columns:1fr}
}