:root{--brand:#9b0708;--brand-d:#6f0506;--gold:#fad228;--gold-s:#fff6cc;--ink:#1d1b24;--muted:#5b5f6a;--paper:#f7f7f8;--line:#e6e6ea}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:var(--brand)}a:hover{color:var(--brand-d)}:focus-visible{outline:3px solid var(--brand);outline-offset:2px;border-radius:4px}
img{max-width:100%;height:auto}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.narrow{max-width:760px;padding-top:40px;padding-bottom:56px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:10}.skip:focus{left:8px}
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.top-in{display:flex;flex-wrap:wrap;align-items:center;gap:8px 20px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--brand);font-weight:800;font-size:20px;letter-spacing:.02em}
nav{order:3;width:100%;overflow-x:auto}nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
nav a{display:block;padding:8px 10px;text-decoration:none;color:var(--ink);border-radius:8px;white-space:nowrap;min-height:44px;line-height:28px}
nav a:hover,nav a[aria-current]{background:var(--gold-s);color:var(--brand-d)}
.tools{margin-left:auto;display:flex;align-items:center;gap:12px}.lang{font-weight:600;padding:10px 4px}
@media(min-width:960px){nav{order:0;width:auto}}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:999px;border:2px solid var(--brand);min-height:44px}
.btn:hover{background:var(--brand-d);color:#fff}.btn-alt{background:#fff;color:var(--brand)}.btn-alt:hover{background:var(--gold-s);color:var(--brand-d)}
.btn-sm{padding:8px 16px}.ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero{background:linear-gradient(180deg,var(--gold-s),#fff);padding:48px 0}
.hero-in{display:grid;gap:24px;align-items:center}@media(min-width:800px){.hero-in{grid-template-columns:1.2fr 1fr}}
.hero img{background:#fff;border-radius:24px;padding:16px;box-shadow:0 12px 32px rgba(16,24,40,.1)}
h1{font-size:clamp(30px,6vw,48px);line-height:1.15;margin:.2em 0 .4em}h2{font-size:26px;margin:1.6em 0 .5em}h3{margin:.2em 0}
.eyebrow{display:inline-block;background:var(--gold);color:var(--ink);font-weight:700;padding:4px 12px;border-radius:999px;margin:0}
.lead{font-size:20px;color:#33363f}.small{font-size:15px;color:var(--muted)}
.steps{list-style:none;padding:0;display:grid;gap:16px;counter-reset:s}@media(min-width:700px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{counter-increment:s;padding:20px;border:1px solid var(--line);border-radius:16px}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800}
.band{background:var(--paper);padding:40px 0;margin-top:40px}.grid3{display:grid;gap:16px}@media(min-width:800px){.grid3{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.card a{font-weight:700}
.checks{padding-left:0;list-style:none}.checks li{padding:6px 0 6px 32px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:6px;width:22px;height:22px;border-radius:50%;background:var(--gold);color:var(--brand-d);font-weight:800;text-align:center;line-height:22px;font-size:14px}
.fees{border-collapse:collapse;width:100%;max-width:480px}.fees caption{text-align:left;font-weight:700;padding-bottom:6px}
.fees th,.fees td{border-bottom:1px solid var(--line);padding:10px 8px;text-align:left}.fees td:last-child,.fees th:last-child{text-align:right}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
details{border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin:10px 0}summary{font-weight:700;cursor:pointer;min-height:28px}
.facts{display:grid;grid-template-columns:max-content 1fr;gap:8px 20px}.facts dt{font-weight:700}.facts dd{margin:0}
.ph{background:var(--gold-s);color:#6b4b00;border:1px dashed #b08900;padding:0 4px;border-radius:4px}
.note{background:var(--gold-s);border-left:4px solid var(--gold);padding:12px 16px;border-radius:8px}.links li{padding:4px 0}
.foot{background:var(--ink);color:#e9e9ee;padding:32px 0 16px;margin-top:40px}.foot a{color:#fff}
.foot-in{display:grid;gap:20px}@media(min-width:700px){.foot-in{grid-template-columns:2fr 1fr 1fr}}.foot ul{list-style:none;padding:0;margin:0}.foot li{padding:3px 0}
.foot .small{color:#c9c9d1}.foot .ph{color:#6b4b00}