:root{
  --gold:#C4A46F; --gold-dark:#A8894F; --gold-soft:#F6F0E4;
  --ink:#1F2937; --ink-soft:#4B5563; --line:#E7E2D8; --bg-soft:#FAF8F3;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Inter","Helvetica Neue",Arial,"PingFang SC",sans-serif;color:var(--ink);line-height:1.6;background:#fff}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
a{color:inherit;text-decoration:none}
h2{font-size:30px;font-weight:600;letter-spacing:-.01em;margin-bottom:14px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.14em;color:var(--gold-dark);text-transform:uppercase}
.muted{color:var(--ink-soft)}
.btn{display:inline-block;padding:13px 26px;border-radius:8px;font-weight:600;font-size:15px;transition:.18s}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-dark)}
.btn-line{border:1.5px solid var(--line);color:var(--ink)}
.btn-line:hover{border-color:var(--gold);color:var(--gold-dark)}
header{position:sticky;top:0;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.nav .brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:18px;letter-spacing:.02em}
.nav .brand img{height:30px}
.nav ul{display:flex;gap:28px;list-style:none;font-size:14.5px;color:var(--ink-soft)}
.nav ul a:hover{color:var(--gold-dark)}
.nav ul a.active{color:var(--ink);font-weight:600}
.nav .btn{padding:9px 18px;font-size:14px}
.burger{display:none;background:none;border:0;font-size:22px;cursor:pointer;color:var(--ink)}
@media(max-width:820px){
  .nav ul{display:none}.burger{display:block}
  .nav.open ul{display:flex;position:absolute;top:66px;left:0;right:0;flex-direction:column;background:#fff;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line)}
}
.hero{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:88px 0 84px}
.hero h1{font-size:46px;line-height:1.16;font-weight:650;letter-spacing:-.02em;max-width:820px;margin:14px 0 20px}
.hero p.lead{font-size:18px;color:var(--ink-soft);max-width:760px;margin-bottom:34px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap}
.hero .trust{margin-top:30px;font-size:13.5px;color:#8A8577;letter-spacing:.02em}
@media(max-width:640px){.hero h1{font-size:32px}.hero{padding:60px 0}}
section{padding:76px 0}
section.alt{background:var(--bg-soft)}
.kicker{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:44px;flex-wrap:wrap}
.kicker p{max-width:560px;color:var(--ink-soft)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media(max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{border:1px solid var(--line);border-radius:12px;padding:24px;background:#fff}
.step .num{font-size:12px;font-weight:700;color:var(--gold-dark);letter-spacing:.1em}
.step h3{font-size:16.5px;margin:8px 0 6px}
.step p{font-size:14px;color:var(--ink-soft)}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
@media(max-width:860px){.split{grid-template-columns:1fr}}
.split p{color:var(--ink-soft);margin-bottom:14px}
.pool{display:grid;gap:14px}
.pool .card{border:1px solid var(--line);border-radius:12px;padding:18px 20px;background:#fff}
.pool .card b{display:block;font-size:15px;margin-bottom:3px}
.pool .card span{font-size:13.5px;color:var(--ink-soft)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:860px){.grid3{grid-template-columns:1fr}}
.grid3 .item{padding:22px;border-radius:12px;background:#fff;border:1px solid var(--line)}
section.alt .grid3 .item{background:#fff}
.grid3 .item b{display:block;font-size:15.5px;margin-bottom:6px}
.grid3 .item p{font-size:14px;color:var(--ink-soft)}
.about{max-width:820px}
.about p{color:var(--ink-soft);margin-bottom:14px}
.contact-band{background:var(--ink);color:#fff;border-radius:16px;padding:52px 48px;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.contact-band h2{color:#fff;margin-bottom:8px}
.contact-band p{color:#C9CFDA;font-size:15px}
.contact-band .ways{font-size:14.5px;margin-top:14px;color:#E7E2D8}
footer{border-top:1px solid var(--line);padding:34px 0 40px;font-size:13.5px;color:#8A8577}
footer .cols{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center}
footer a:hover{color:var(--gold-dark)}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.chip{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 17px;font-size:14px;color:var(--ink-soft)}
.chip.gold{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-dark);font-weight:600}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:760px){.stats{grid-template-columns:1fr}}
.stat{border:1px solid var(--line);border-radius:12px;padding:28px 20px;background:#fff;text-align:center}
.stat b{display:block;font-size:34px;font-weight:650;color:var(--gold-dark);line-height:1.15;margin-bottom:6px}
.stat span{font-size:13.5px;color:var(--ink-soft)}
.flow{display:grid;gap:16px}
.flow .row{display:grid;grid-template-columns:70px 1fr;gap:24px;border:1px solid var(--line);border-radius:12px;padding:26px 28px;background:#fff;align-items:start}
.flow .n{font-size:26px;font-weight:650;color:var(--gold-dark);line-height:1.1}
.flow h3{font-size:17px;margin-bottom:6px}
.flow p{font-size:14.5px;color:var(--ink-soft)}
@media(max-width:600px){.flow .row{grid-template-columns:1fr;gap:8px}}
.cards2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
@media(max-width:760px){.cards2{grid-template-columns:1fr}}
.icard{border:1px solid var(--line);border-radius:12px;padding:26px;background:#fff}
.icard .lbl{font-size:12px;font-weight:700;letter-spacing:.12em;color:var(--gold-dark);text-transform:uppercase;margin-bottom:10px}
.icard p{font-size:14.5px;color:var(--ink-soft);margin-bottom:8px}
.icard a{color:var(--gold-dark);font-weight:600}