:root{--bg:#fbfaf7;--ink:#1c1f26;--muted:#5a6273;--brand:#1f4f8b;--brand-2:#0d3868;--accent:#c8a96a;--line:#e7e3d8;--card:#ffffff;--shadow:0 6px 24px rgba(20,30,60,.08);--radius:14px;--maxw:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter','Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,'Helvetica Neue',Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;color:var(--brand-2);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.5vw,3rem);font-weight:700}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-top:1.8em}
h3{font-size:clamp(1.15rem,2vw,1.35rem);margin-top:1.4em}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.3em}
li{margin:.3em 0}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--brand);color:#fff!important;padding:14px 26px;border-radius:10px;font-weight:600;text-decoration:none!important;transition:.2s;border:none;cursor:pointer;font-size:1rem;text-align:center}
.btn:hover{background:var(--brand-2);transform:translateY(-1px);box-shadow:0 8px 20px rgba(15,40,90,.25)}
.btn-accent{background:var(--accent);color:#1c1f26!important}
.btn-accent:hover{background:#b69556}
/* HEADER */
.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:100}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.logo{display:flex;align-items:center;gap:10px;font-family:'Playfair Display',Georgia,serif;font-weight:700;font-size:1.2rem;color:var(--brand-2)}
.logo svg{flex-shrink:0}
.nav-links{display:flex;gap:22px;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);font-weight:500;font-size:.95rem}
.nav-links a:hover{color:var(--brand)}
.nav-right{display:flex;align-items:center;gap:14px}
.lang-switch{position:relative}
.lang-btn{background:transparent;border:1px solid var(--line);padding:8px 12px;border-radius:8px;cursor:pointer;font-size:.9rem;display:flex;align-items:center;gap:6px}
.lang-menu{position:absolute;right:0;top:calc(100% + 6px);background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);min-width:180px;max-height:340px;overflow-y:auto;display:none;z-index:200}
.lang-menu.open{display:block}
.lang-menu a{display:block;padding:9px 14px;color:var(--ink);font-size:.92rem;border-bottom:1px solid var(--line)}
.lang-menu a:last-child{border-bottom:none}
.lang-menu a:hover{background:var(--bg);text-decoration:none}
.burger{display:none;background:none;border:none;cursor:pointer;padding:6px}
.burger span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}
/* HERO */
.hero{position:relative;min-height:560px;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(13,56,104,.78),rgba(20,30,60,.55));z-index:1}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero-inner{position:relative;z-index:2;width:100%;padding:60px 0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{color:#fff;margin-bottom:.4em}
.hero-lead{font-size:1.15rem;opacity:.95;margin-bottom:1.5em;max-width:560px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.mini-disc{font-size:.78rem;opacity:.85;cursor:help;border-bottom:1px dashed rgba(255,255,255,.5);display:inline-block;position:relative}
.mini-disc:hover{opacity:1}
.mini-disc[data-tip]::after{content:attr(data-tip);position:absolute;left:0;top:calc(100% + 8px);background:#fff;color:#1c1f26;padding:10px 14px;border-radius:8px;box-shadow:0 8px 24px rgba(0,0,0,.25);font-size:.82rem;line-height:1.5;width:min(320px,82vw);opacity:0;visibility:hidden;transition:opacity .15s;pointer-events:none;z-index:50;border-left:3px solid #c8a96a}
.mini-disc[data-tip]:hover::after,.mini-disc[data-tip].open::after,.mini-disc[data-tip]:focus::after{opacity:1;visibility:visible}
.mini-disc{outline:none}
@media (max-width:560px){.mini-disc[data-tip]::after{left:auto;right:0}}
.widget-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.widget-card h3{margin-top:0;color:var(--brand-2);font-size:1.1rem}
/* SECTIONS */
section.block{padding:50px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.lead{font-size:1.1rem;color:var(--muted);max-width:760px;margin-bottom:1.5em}
.grid-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card a{font-weight:600}
table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff;border-radius:10px;overflow:hidden;box-shadow:0 2px 10px rgba(0,0,0,.04)}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}
th{background:var(--brand-2);color:#fff;font-weight:600}
tr:last-child td{border-bottom:none}
.callout{background:#fff7e6;border-left:4px solid var(--accent);padding:16px 20px;border-radius:8px;margin:20px 0}
.callout strong{color:var(--brand-2)}
.img-frame{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin:24px 0}
.two-col{display:grid;grid-template-columns:1.4fr 1fr;gap:36px;align-items:start}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:600;cursor:pointer;color:var(--brand-2)}
.faq details[open]{box-shadow:var(--shadow)}
.faq p{margin-top:10px;color:var(--muted)}
/* FOOTER */
.site-footer{background:#0d1424;color:#c7cbd6;padding:48px 0 24px;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
.site-footer h4{color:#fff;font-family:inherit;font-size:1rem;margin-bottom:14px;text-transform:uppercase;letter-spacing:.05em}
.site-footer a{color:#c7cbd6;display:block;padding:4px 0;font-size:.92rem}
.site-footer a:hover{color:#fff}
.disclaimer{background:rgba(255,255,255,.04);padding:16px 18px;border-radius:8px;font-size:.82rem;line-height:1.6;color:#9aa1b3;margin-top:20px}
.copyright{border-top:1px solid rgba(255,255,255,.08);padding-top:18px;font-size:.85rem;color:#7d8497;text-align:center}
/* RESPONSIVE */
@media (max-width:900px){
  .hero-grid,.two-col{grid-template-columns:1fr;gap:28px}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:14px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);gap:0}
  .nav-links.open{display:flex}
  .nav-links li{width:100%;border-bottom:1px solid var(--line)}
  .nav-links a{display:block;padding:12px 0}
  .burger{display:block}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px}
  .hero{min-height:auto}
  .hero-inner{padding:40px 0}
}
@media (max-width:560px){
  .footer-grid{grid-template-columns:1fr}
  section.block{padding:36px 0}
  .btn{display:block;width:100%}
  .hero-cta{flex-direction:column}
}