:root{--navy:#0E2A47;--navy2:#123B5C;--gold:#FFD75E;--green:#2E9E6B;--orange:#F03C00;--bg:#F5F8FC;--card:#fff;--line:#E4E8F0;--text:#1F2937;--muted:#64748B;--radius:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",system-ui,-apple-system,sans-serif;font-size:16.5px;line-height:1.7;color:var(--text);background:var(--bg)}
img{max-width:100%;display:block}
a{color:#0B5FAB}
.container{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:var(--navy);color:#fff;padding:18px 0}
header .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.logo{font-family:Georgia,serif;font-size:22px;font-weight:800}
.logo span{color:var(--gold)}
.btn{display:inline-block;padding:13px 26px;border-radius:9px;font-weight:700;font-size:15px;cursor:pointer;border:none;text-decoration:none}
.btn-gold{background:var(--gold);color:#7A4B00}
.btn-navy{background:var(--navy);color:#fff}
.hero{background:var(--navy2);color:#fff;padding:56px 0}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{font-size:40px;line-height:1.15;font-family:Georgia,serif}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{color:#B9CDE0;margin-top:14px;font-size:17.5px}
.hero .btn{margin-top:22px}
.hero img{border-radius:16px;box-shadow:0 20px 50px rgba(0,0,0,.35)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:-34px;position:relative;z-index:2}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-align:center;box-shadow:0 6px 18px rgba(15,23,42,.06)}
.stat b{display:block;font-size:24px;color:var(--navy);font-family:Georgia,serif}
.stat span{color:var(--muted);font-size:13.5px;font-weight:600}
main{padding:46px 0}
section{margin-bottom:52px}
h2{font-family:Georgia,serif;font-size:30px;color:var(--navy);margin-bottom:14px;line-height:1.25}
h3{font-size:20px;color:var(--navy);margin:26px 0 10px}
p{margin-bottom:13px}
.kicker{color:var(--orange);font-weight:800;font-size:13px;letter-spacing:.09em;text-transform:uppercase;margin-bottom:6px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 4px 14px rgba(15,23,42,.05)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}
.grid2 .card h3{margin-top:0}
table{width:100%;border-collapse:collapse;margin:18px 0;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 4px 14px rgba(15,23,42,.05)}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:15px}
th{background:var(--navy);color:#fff;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em}
tr:last-child td{border-bottom:none}
td:first-child{font-weight:700;color:var(--navy)}
.calc{background:linear-gradient(160deg,var(--navy2),var(--navy));color:#fff;border-radius:18px;padding:34px;margin:26px 0}
.calc h3{color:var(--gold);margin-top:0}
.calc label{display:block;font-weight:700;font-size:14px;margin:16px 0 6px;color:#B9CDE0}
.calc input[type=range]{width:100%;accent-color:var(--gold)}
.calc .row{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
.calc .res{flex:1;min-width:180px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:18px}
.calc .res b{display:block;font-size:28px;color:var(--gold);font-family:Georgia,serif}
.calc .res span{color:#B9CDE0;font-size:13.5px;font-weight:600}
.amount h3{margin-top:0}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin-bottom:12px}
.faq-item h3{font-size:16.5px;margin:0 0 8px}
.faq-item p{color:var(--muted);margin:0;font-size:15px}
.note{background:#FFF6E8;border-left:4px solid var(--gold);border-radius:10px;padding:16px 20px;font-size:15px;color:#7A5B1E;margin:20px 0}
ul.clean{margin:12px 0 12px 22px}
ul.clean li{margin-bottom:9px}
footer{background:var(--navy);color:#9DB4CA;padding:34px 0;text-align:center;font-size:13.5px;margin-top:30px}
footer b{color:#fff}
@media(max-width:900px){.hero .container{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,1fr)}h2{font-size:25px}.hero h1{font-size:31px}.grid2{grid-template-columns:1fr}}
/* Hero sub & list (v2 additions) */
.hero-sub{color:var(--gold);font-weight:700;font-size:14px;letter-spacing:.08em;text-transform:uppercase;margin-top:6px}
.hero-list{margin:18px 0 4px;list-style:none;padding:0}
.hero-list li{position:relative;padding:7px 0 7px 32px;color:#D7E4F2;font-size:15.5px}
.hero-list li::before{content:"";position:absolute;left:0;top:13px;width:18px;height:18px;border-radius:50%;background:var(--gold)}
.hero-list li::after{content:"";position:absolute;left:5px;top:17px;width:7px;height:4px;border-left:2px solid #7A4B00;border-bottom:2px solid #7A4B00;transform:rotate(-45deg)}