:root{--navy:#0B2347;--green:#087F5B;--gold:#D7B45B;--bg:#F5F7FA;--ink:#1c2740}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
h1,h2,h3{font-family:Montserrat,sans-serif;color:var(--navy);line-height:1.25}
a{color:var(--green)}
.w{max-width:1100px;margin:auto;padding:0 20px}
section{padding:64px 0}
.alt{background:var(--bg)}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-bottom:12px}
.sub{max-width:640px;margin-bottom:32px;color:#4a5670}
header{position:sticky;top:0;background:#fff;border-bottom:1px solid #e3e8ef;z-index:9}
nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-family:Montserrat;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.1rem}
.logo span{color:var(--gold)}
nav ul{display:flex;gap:22px;list-style:none;padding:0}
nav ul a{text-decoration:none;color:var(--navy);font-size:.92rem;font-weight:500}
#mt{display:none;background:none;border:1px solid #ccd;border-radius:6px;padding:6px 10px;font-size:1.1rem}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:600;text-decoration:none;border:0;cursor:pointer;font:600 .95rem Inter}
.b1{background:var(--gold);color:var(--navy)}
.b2{background:transparent;color:#fff;border:1.5px solid #fff}
.b3{background:var(--green);color:#fff}
.hero{background:linear-gradient(135deg,var(--navy),#12386b);color:#fff;padding:88px 0}
.hero h1{color:#fff;font-size:clamp(1.9rem,5vw,3rem);max-width:760px;margin-bottom:16px}
.hero p{max-width:620px;color:#d6deea;margin-bottom:28px}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap}
.tag{color:var(--gold);font-weight:600;letter-spacing:.04em;margin-bottom:12px;font-size:.9rem}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid #e3e8ef;border-radius:12px;padding:24px;border-top:3px solid var(--green)}
.card h3{font-size:1.05rem;margin-bottom:8px}
.card p{font-size:.93rem;color:#4a5670}
.founder{display:grid;gap:32px;grid-template-columns:260px 1fr;align-items:center}
.ph{aspect-ratio:1;border-radius:16px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;text-align:center;padding:16px;font-size:.85rem;border:2px dashed var(--gold)}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.tabs button{padding:9px 16px;border-radius:20px;border:1px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer;font:500 .9rem Inter}
.tabs button.on{background:var(--navy);color:#fff}
.calc{display:grid;gap:28px;grid-template-columns:1fr 1fr;background:#fff;border:1px solid #e3e8ef;border-radius:14px;padding:28px}
label{display:block;font-size:.88rem;font-weight:500;margin:12px 0 4px}
input,select,textarea{width:100%;padding:11px;border:1px solid #c5cdd9;border-radius:8px;font:inherit;background:#fff}
.res{background:var(--bg);border-radius:12px;padding:24px;display:flex;flex-direction:column;justify-content:center;gap:10px}
.res div{display:flex;justify-content:space-between;gap:12px}
.res .big{font:700 1.6rem Montserrat;color:var(--green)}
.note{font-size:.8rem;color:#5a6680;margin-top:10px}
details{background:#fff;border:1px solid #e3e8ef;border-radius:10px;padding:16px 20px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600;color:var(--navy)}
details p{margin-top:10px;font-size:.93rem;color:#4a5670}
.form{display:grid;gap:4px;grid-template-columns:1fr 1fr;gap:0 16px}
.form .f{grid-column:1/-1}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;margin-top:14px}
.chk input{width:auto;margin-top:5px}
footer{background:var(--navy);color:#cfd8e6;padding:48px 0 24px;font-size:.9rem}
footer a{color:#fff;text-decoration:none;margin-right:16px;display:inline-block}
footer h3{color:#fff;font-size:1rem;margin-bottom:6px}
.disc{border-top:1px solid #2a4570;margin-top:24px;padding-top:18px;font-size:.78rem;color:#9fb0c9}
.wa{position:fixed;right:16px;bottom:16px;background:#25D366;color:#fff;padding:13px 18px;border-radius:30px;text-decoration:none;font-weight:600;box-shadow:0 4px 14px #0004;z-index:9}
@media(max-width:800px){
nav ul{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 20px;border-bottom:1px solid #e3e8ef}
nav ul.o{display:flex}#mt{display:block}
.founder,.calc,.form{grid-template-columns:1fr}
section{padding:48px 0}.hero{padding:60px 0}}
@media(prefers-reduced-motion:no-preference){.card{transition:transform .2s}.card:hover{transform:translateY(-4px)}}
.reg{background:var(--gold);color:var(--navy);text-align:center;padding:12px 20px;font-weight:600;font-size:.88rem}
.row2{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:14px}
#disclosures{border-top:1px solid #2a4570;margin-top:24px;padding-top:18px;scroll-margin-top:80px}
#disclosures h3{font-size:.9rem;margin-bottom:8px}
#disclosures p{font-size:.74rem;line-height:1.55;color:#9fb0c9;margin:0 0 7px}
#disclosures b{color:#cfd8e6}
.card ul{margin:10px 0 0 18px;font-size:.9rem;color:#4a5670}.card li{margin-bottom:4px}

.card{display:flex;flex-direction:column;height:100%}
.card .more{margin-top:auto;padding-top:14px;font-weight:600;font-size:.88rem;text-decoration:none}
.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.spec{background:var(--navy);color:#fff;border-radius:16px;padding:32px;margin-top:24px}
.spec h3{color:#fff;font-size:1.25rem;margin-bottom:6px}
.spec p{color:#cfd8e6;font-size:.93rem}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px 0}
.tiles div{background:rgba(255,255,255,.07);border:1px solid #2a4570;border-radius:10px;padding:16px;text-align:center}
.tiles small{display:block;color:var(--gold);font-weight:600;letter-spacing:.05em}
.tiles b{display:block;font:700 1.2rem Montserrat;margin:4px 0}
.tiles span{font-size:.78rem;color:#9fb0c9}
.contact{display:grid;grid-template-columns:1fr 1.4fr;gap:28px;align-items:start}
.direct{background:var(--navy);color:#fff;border-radius:16px;padding:30px}
.direct h3{color:#fff;margin-bottom:8px}
.direct p{color:#cfd8e6;font-size:.93rem;margin-bottom:14px}
.direct .btn{display:block;text-align:center;margin-bottom:10px}
.direct address{font-style:normal;font-size:.88rem;color:#cfd8e6;margin-top:16px;border-top:1px solid #2a4570;padding-top:14px}
.fcard{background:#fff;border:1px solid #e3e8ef;border-radius:16px;padding:28px}
.fcard h3{margin-bottom:4px}
.learn{display:grid;grid-template-columns:1.1fr 1fr;gap:28px;align-items:start}
.vid{position:relative;padding-top:56.25%;border-radius:12px;overflow:hidden;background:#000}
.vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
#hr .big{font-size:1.25rem;text-align:right}
.prose{max-width:820px}
.prose h1{font-size:clamp(1.7rem,4vw,2.4rem);margin-bottom:6px}
.prose h2{font-size:1.1rem;margin:26px 0 8px}
.prose p,.prose li{font-size:.95rem;color:#3a465f;margin-bottom:8px}
.prose ul{margin:0 0 8px 20px}
@media(max-width:1000px){.g4,.g3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){.contact,.learn{grid-template-columns:1fr}}
@media(max-width:800px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g4,.g3{grid-template-columns:1fr}}
.fp{display:block;width:100%;max-width:300px;aspect-ratio:1;object-fit:cover;object-position:center top;border-radius:16px;border:3px solid var(--gold);box-shadow:0 10px 30px rgba(11,35,71,.18)}
@media(max-width:800px){.fp{max-width:240px;margin:auto}}
.logo{display:flex;align-items:center}
.logo img{display:block;height:46px;width:auto}
@media(max-width:800px){.logo img{height:38px}}