:root {
  --color-primary: #0A2463;
  --color-secondary: #D4AF37;
  --color-dark: #041029;
  --color-light: #f7f7fb;
  --color-muted: #7a8091;
  --color-surface: rgba(10, 36, 99, 0.08);
  --color-surface-strong: rgba(255, 255, 255, 0.82);
  --shadow-soft: 0 20px 50px rgba(10, 36, 99, 0.18);
  --shadow-card: 0 15px 35px rgba(4, 16, 41, 0.16);
  --gradient-hero: linear-gradient(135deg, rgba(10, 36, 99, 0.92), rgba(14, 56, 140, 0.88));
  --gradient-overlay: linear-gradient(150deg, rgba(212, 175, 55, 0.22), rgba(74, 114, 200, 0.32));
  --radius-lg: 22px;
  --radius-md: 18px;
  --radius-sm: 12px;
  --spacing-xs: 0.75rem;
  --spacing-sm: 1.25rem;
  --spacing-md: 2rem;
  --spacing-lg: 3rem;
  --spacing-xl: 4rem;
  --container-max: min(calc(100vw - 2rem), 1180px);
  --motif-pattern: linear-gradient(135deg, rgba(212, 175, 55, 0.12) 12%, transparent 12%) 0 0 / 22px 22px;
  --transition-default: all 0.3s ease;
  color-scheme: light;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  font-size: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  line-height: 1.6;
  background: radial-gradient(circle at top left, rgba(212, 175, 55, 0.18), transparent 45%), radial-gradient(circle at bottom right, rgba(10, 36, 99, 0.12), transparent 38%), #f3f4fb;
  color: var(--color-dark);
}

img,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

a:hover,
a:focus {
  color: var(--color-secondary);
}

button {
  font: inherit;
  border: none;
  background: none;
  cursor: pointer;
}

::selection {
  background: rgba(212, 175, 55, 0.3);
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--color-primary);
  line-height: 1.25;
  margin: 0 0 0.75em 0;
}

p {
  margin: 0 0 1.1em 0;
  color: var(--color-dark);
}

ul,
ol {
  margin: 0;
  padding-left: 1.4rem;
}

.site-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background-image: var(--motif-pattern);
  background-position: center;
  background-attachment: fixed;
}

main {
  flex: 1 0 auto;
  padding: var(--spacing-lg) 0 var(--spacing-xl);
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(12px);
  box-shadow: 0 12px 30px rgba(4, 16, 41, 0.08);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 0.35rem 0;
  letter-spacing: 0.04em;
  font-weight: 600;
  color: var(--color-primary);
}

.brand img {
  width: 46px;
  height: 46px;
}

.brand-text {
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  font-family: Georgia, "Times New Roman", serif;
}

.nav-toggle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 1px solid rgba(10, 36, 99, 0.2);
  background: rgba(247, 247, 251, 0.85);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-default);
}

.nav-toggle:hover {
  background: rgba(212, 175, 55, 0.18);
  border-color: rgba(212, 175, 55, 0.5);
}

.nav-toggle span {
  width: 20px;
  height: 2px;
  background: var(--color-primary);
  position: relative;
  display: inline-block;
  transition: var(--transition-default);
}

.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 20px;
  height: 2px;
  background: inherit;
  transition: var(--transition-default);
}

.nav-toggle span::before {
  top: -6px;
}

.nav-toggle span::after {
  top: 6px;
}

.nav-toggle.is-active span {
  background: transparent;
}

.nav-toggle.is-active span::before {
  transform: translateY(6px) rotate(45deg);
}

.nav-toggle.is-active span::after {
  transform: translateY(-6px) rotate(-45deg);
}

.site-nav {
  position: fixed;
  inset: 0;
  background: rgba(4, 16, 41, 0.92);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 1.4rem;
  transform: translateY(-100%);
  transition: var(--transition-default);
  padding: 5rem 1.5rem;
}

.site-nav.is-open {
  transform: translateY(0);
}

.site-nav ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  text-align: center;
}

.site-nav li {
  display: block;
}

.nav-link {
  font-size: 1.1rem;
  font-weight: 600;
  color: #f3f4fb;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  transition: var(--transition-default);
}

.nav-link:hover,
.nav-link:focus {
  background: rgba(212, 175, 55, 0.18);
  color: var(--color-secondary);
}

.nav-link.current {
  border: 1px solid rgba(212, 175, 55, 0.6);
  color: var(--color-secondary);
  background: rgba(212, 175, 55, 0.12);
}

.nav-cta {
  margin-top: 1.5rem;
  font-weight: 600;
  padding: 0.85rem 1.9rem;
  border-radius: 999px;
  background: linear-gradient(120deg, var(--color-secondary), #f1d67e);
  color: var(--color-dark);
  box-shadow: var(--shadow-card);
  transition: var(--transition-default);
}

.nav-cta:hover,
.nav-cta:focus {
  transform: translateY(-1px);
  box-shadow: 0 18px 35px rgba(212, 175, 55, 0.35);
}

.page-hero {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  padding: clamp(4rem, 6vw, 6.5rem) 1rem;
  margin-bottom: var(--spacing-lg);
  color: #f7f7fb;
  background: var(--gradient-hero);
}

.page-hero.homepage-hero {
  min-height: 78vh;
  display: grid;
  align-items: center;
  background: var(--gradient-hero);
}

.hero-content {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}

.hero-media {
  position: absolute;
  inset: 0;
  background: url("https://picsum.photos/seed/finconhero/1800/1200?grayscale&blur=0") center/cover no-repeat;
  opacity: 0.28;
  mix-blend-mode: luminosity;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: var(--gradient-overlay);
  opacity: 0.7;
  z-index: 1;
}

.hero-lead {
  font-size: clamp(1.1rem, 2.6vw, 1.45rem);
  margin-bottom: var(--spacing-sm);
  color: rgba(255, 255, 255, 0.88);
}

.hero-title {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  color: #ffffff;
  margin-bottom: var(--spacing-sm);
}

.hero-meta {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  color: rgba(255, 255, 255, 0.85);
  font-weight: 600;
  margin-bottom: var(--spacing-md);
}

.hero-actions {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  align-items: center;
}

.cta-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  padding: 0.95rem 2.6rem;
  border-radius: 999px;
  background: linear-gradient(110deg, var(--color-secondary), #ffedba);
  color: var(--color-dark);
  font-weight: 700;
  letter-spacing: 0.02em;
  box-shadow: var(--shadow-card);
  transition: var(--transition-default);
  min-height: 52px;
}

.cta-button:hover,
.cta-button:focus {
  transform: translateY(-2px);
  box-shadow: 0 20px 45px rgba(212, 175, 55, 0.38);
}

.secondary-link {
  color: rgba(255, 255, 255, 0.86);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.section {
  padding: var(--spacing-lg) 0;
}

.section.alt-background {
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-lg);
  margin-bottom: var(--spacing-lg);
  box-shadow: var(--shadow-soft);
}

.section-header {
  margin-bottom: var(--spacing-md);
  text-align: center;
}

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.35rem);
  color: var(--color-primary);
  margin-bottom: 0.6rem;
}

.section-subtitle {
  color: var(--color-muted);
  max-width: 640px;
  margin: 0 auto;
}

.grid {
  display: grid;
  gap: var(--spacing-md);
}

.grid.featured-grid {
  margin-top: var(--spacing-md);
}

.grid.featured-grid .card {
  background: rgba(255, 255, 255, 0.88);
  border-radius: var(--radius-md);
  padding: var(--spacing-sm);
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(10, 36, 99, 0.1);
  transition: var(--transition-default);
}

.grid.featured-grid .card:hover {
  transform: translateY(-6px);
  box-shadow: 0 22px 40px rgba(4, 16, 41, 0.18);
}

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: 18px;
  background: rgba(10, 36, 99, 0.12);
  display: grid;
  place-items: center;
  font-size: 1.35rem;
  margin-bottom: 1rem;
  color: var(--color-primary);
}

.glass-card {
  position: relative;
  background: var(--color-surface-strong);
  border-radius: var(--radius-md);
  padding: var(--spacing-sm);
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(255, 255, 255, 0.45);
  backdrop-filter: blur(12px);
}

.testimonial-card {
  background: rgba(255, 255, 255, 0.9);
  border-left: 4px solid var(--color-secondary);
  padding: var(--spacing-sm);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
}

.testimonial-quote {
  font-style: italic;
  color: var(--color-dark);
  margin-bottom: 0.75rem;
}

.testimonial-author {
  font-weight: 700;
  color: var(--color-primary);
}

.recommendation-card {
  border: 1px solid rgba(10, 36, 99, 0.12);
  border-radius: var(--radius-md);
  padding: var(--spacing-sm);
  background: rgba(10, 36, 99, 0.06);
  position: relative;
  overflow: hidden;
}

.recommendation-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(212, 175, 55, 0.16), transparent 60%);
  pointer-events: none;
}

.recommendation-title {
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.45rem;
}

.table-wrapper {
  overflow-x: auto;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  background: rgba(255, 255, 255, 0.88);
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 520px;
}

table thead {
  background: rgba(10, 36, 99, 0.08);
  color: var(--color-primary);
}

th,
td {
  padding: 0.9rem 1rem;
  text-align: left;
  border-bottom: 1px solid rgba(10, 36, 99, 0.12);
  font-size: 0.95rem;
}

tbody tr:hover {
  background: rgba(10, 36, 99, 0.04);
}

.list-check {
  list-style: none;
  padding-left: 0;
}

.list-check li {
  position: relative;
  padding-left: 1.8rem;
  margin-bottom: 0.85rem;
}

.list-check li::before {
  content: "✔";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--color-secondary);
  font-weight: 700;
}

.policy-section {
  margin-bottom: var(--spacing-md);
}

.policy-section h2 {
  font-size: clamp(1.4rem, 2.4vw, 1.7rem);
  margin-bottom: 0.8rem;
}

.policy-section p,
.policy-section ul {
  color: var(--color-dark);
}

.timeline {
  display: grid;
  gap: var(--spacing-sm);
}

.timeline-item {
  border-left: 3px solid var(--color-secondary);
  padding-left: 1.4rem;
  position: relative;
}

.timeline-item::before {
  content: "";
  position: absolute;
  left: -0.88rem;
  top: 0.35rem;
  width: 12px;
  height: 12px;
  background: var(--color-secondary);
  border-radius: 50%;
  box-shadow: 0 0 0 6px rgba(212, 175, 55, 0.2);
}

.form-card {
  background: rgba(255, 255, 255, 0.92);
  padding: var(--spacing-sm);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(10, 36, 99, 0.08);
}

.form-grid {
  display: grid;
  gap: var(--spacing-sm);
}

.form-row {
  display: grid;
  gap: var(--spacing-sm);
}

label {
  font-weight: 600;
  color: var(--color-primary);
  display: block;
  margin-bottom: 0.35rem;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid rgba(10, 36, 99, 0.18);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  font-size: 1rem;
  transition: var(--transition-default);
  min-height: 52px;
  background: rgba(255, 255, 255, 0.92);
}

textarea {
  min-height: 160px;
  resize: vertical;
  padding-top: 1rem;
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid rgba(212, 175, 55, 0.4);
}

.site-footer {
  background: #070e1f;
  color: rgba(255, 255, 255, 0.85);
  padding: var(--spacing-lg) 0 var(--spacing-md);
  position: relative;
  overflow: hidden;
}

.site-footer::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(10, 36, 99, 0.85), rgba(14, 56, 140, 0.75));
  z-index: 0;
}

.footer-container {
  position: relative;
  z-index: 1;
  display: grid;
  gap: var(--spacing-md);
}

.footer-top {
  display: grid;
  gap: var(--spacing-md);
}

.footer-brand {
  max-width: 360px;
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.75);
}

.footer-nav {
  display: grid;
  gap: 1rem;
}

.footer-nav h4 {
  color: var(--color-secondary);
  margin-bottom: 0.55rem;
}

.footer-links,
.footer-legal {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.45rem;
}

.footer-links a,
.footer-legal a {
  color: rgba(255, 255, 255, 0.78);
  font-weight: 500;
}

.footer-links a:hover,
.footer-legal a:hover {
  color: var(--color-secondary);
}

.footer-address {
  color: rgba(255, 255, 255, 0.78);
  font-style: normal;
  margin-top: 0.65rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9rem;
}

.cookie-banner {
  position: fixed;
  bottom: 1.5rem;
  left: 1.5rem;
  right: 1.5rem;
  background: rgba(7, 14, 31, 0.95);
  color: #f5f5f5;
  padding: 1.4rem 1.6rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  display: none;
  z-index: 9999;
}

.cookie-banner.is-visible {
  display: block;
}

.cookie-content {
  display: grid;
  gap: 1rem;
}

.cookie-content p {
  margin: 0;
  color: rgba(255, 255, 255, 0.85);
}

.cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.cookie-button {
  padding: 0.75rem 1.75rem;
  border-radius: 999px;
  font-weight: 600;
  min-height: 48px;
}

.cookie-button.primary {
  background: var(--color-secondary);
  color: #0a0a0a;
}

.cookie-button.secondary {
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: rgba(255, 255, 255, 0.85);
}

.address-block {
  border-radius: var(--radius-md);
  padding: var(--spacing-sm);
  background: rgba(10, 36, 99, 0.08);
  border: 1px solid rgba(10, 36, 99, 0.18);
  box-shadow: var(--shadow-card);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

@media (min-width: 600px) {
  .hero-actions {
    flex-direction: row;
  }
  .form-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .form-row .full-width {
    grid-column: 1 / -1;
  }
}

@media (min-width: 768px) {
  .site-nav {
    position: static;
    transform: none;
    background: transparent;
    flex-direction: row;
    align-items: center;
    justify-content: flex-end;
    padding: 0;
  }
  .site-nav ul {
    flex-direction: row;
    gap: 0.75rem;
  }
  .nav-toggle {
    display: none;
  }
  .nav-link {
    color: var(--color-primary);
    padding: 0.65rem 1rem;
  }
  .nav-link:hover,
  .nav-link:focus {
    background: rgba(10, 36, 99, 0.08);
  }
  .nav-cta {
    margin-top: 0;
    margin-left: 1.5rem;
  }
  .grid.featured-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .footer-top {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  .cookie-banner {
    max-width: 520px;
    left: auto;
  }
}

@media (min-width: 1024px) {
  .grid.featured-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  .hero-content {
    margin-left: 0;
    text-align: left;
  }
  .hero-actions {
    justify-content: flex-start;
  }
  .section-header {
    text-align: left;
  }
}

@media (min-width: 1280px) {
  .page-hero {
    margin-top: 1rem;
  }
}

@media (min-width: 1440px) {
  .container {
    max-width: 1260px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }
  html {
    scroll-behavior: auto;
  }
}