:root{--navy-deep:#021e3e; --navy-mid:#0b2f5a; --navy-soft:#1d4a80; --gold:#c8862f; --gold-light:#f3c877; --gold-deep:#9a5c1a; --cream:#f3f8fc; --paper:#ffffff; --ink:#0f1626; --muted:#4a5568; --line:rgba(2,30,62,0.12);}
*{box-sizing:border-box; margin:0; padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',sans-serif; background:var(--cream); color:var(--ink); -webkit-font-smoothing:antialiased; line-height:1.6; overflow-x:hidden;}
a{color:inherit; text-decoration:none;}
:focus-visible{outline:2px solid var(--gold); outline-offset:3px; border-radius:4px;}
h1,h2{font-family:'Fraunces',serif; font-weight:600; color:var(--navy-deep); line-height:1.12; letter-spacing:-0.01em;}
.wrap{max-width:960px; margin:0 auto; padding:0 20px;}
.eyebrow{font-size:12px; font-weight:700; letter-spacing:0.16em; text-transform:uppercase; color:var(--gold-deep);}

.top{position:sticky; top:0; z-index:50; background:rgba(243,248,252,0.92); backdrop-filter:blur(10px); border-bottom:1px solid var(--line);}
.bar{max-width:960px; margin:0 auto; padding:10px 20px; display:flex; align-items:center; justify-content:space-between; gap:12px;}
.bar img{height:48px; width:auto; display:block;}
.bar nav{display:flex; align-items:center; gap:18px;}
.nav-link{font-weight:600; font-size:14.5px; color:var(--navy-mid);}

.btn{display:inline-flex; align-items:center; justify-content:center; gap:8px; padding:13px 22px; border-radius:999px; font-weight:700; font-size:15px; border:1.5px solid transparent; transition:transform .18s ease, box-shadow .18s ease, background .18s ease; text-align:center;}
.btn:hover{transform:translateY(-2px);}
.btn-sm{padding:9px 16px; font-size:14px;}
.btn-gold{background:linear-gradient(135deg,#fdda96,#e4a348 55%,#c47f2c); color:var(--navy-deep); box-shadow:0 6px 18px rgba(194,135,43,0.35);}
.btn-wa{background:#25d366; color:#fff; box-shadow:0 6px 18px rgba(37,211,102,0.3);}
.btn-outline{border-color:var(--navy-mid); color:var(--navy-mid);}
.btn-outline:hover{background:var(--navy-mid); color:#fff;}

.hero{padding:40px 0 30px;}
.crumbs{font-size:13.5px; color:#7a8094; margin-bottom:18px;}
.crumbs a{text-decoration:underline; text-underline-offset:2px;}
.hero h1{font-size:clamp(30px,5vw,46px); margin:10px 0 14px;}
.flag{font-size:0.85em;}
.lead{font-size:17px; color:var(--muted); max-width:680px;}
.ctas{display:flex; flex-wrap:wrap; gap:12px; margin-top:24px;}
.ctas.center{justify-content:center;}

.facts{display:grid; grid-template-columns:repeat(4,1fr); gap:14px;}
.fact{background:#fff; border:1px solid var(--line); border-radius:16px; padding:18px;}
.fact .lbl, .fee .lbl{font-size:11.5px; font-weight:700; letter-spacing:0.12em; text-transform:uppercase; color:var(--gold);}
.fact .val{font-weight:600; color:var(--navy-deep); margin-top:6px; font-size:15px; line-height:1.45;}

.block{margin-top:56px;}
.block h2{font-size:clamp(24px,3.4vw,32px);}
.block h2.small{font-size:22px;}
.sub{color:var(--muted); margin:8px 0 20px; max-width:680px;}
.checklist{list-style:none; display:grid; grid-template-columns:1fr 1fr; gap:10px 18px; background:#fff; border:1px solid var(--line); border-radius:18px; padding:22px;}
.checklist li{position:relative; padding-left:30px; color:var(--ink); font-size:15px;}
.send-list{margin-top:16px;}
.checklist li::before{content:'✓'; position:absolute; left:0; top:1px; width:20px; height:20px; border-radius:50%; background:var(--navy-mid); color:#fff; font-size:11px; font-weight:800; display:flex; align-items:center; justify-content:center;}

.steps{list-style:none; display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:20px;}
.steps li{background:#fff; border:1px solid var(--line); border-radius:16px; padding:18px; display:flex; flex-direction:column; gap:6px;}
.steps .num{font-family:'Fraunces',serif; color:var(--gold); font-size:22px; font-weight:600;}
.steps b{color:var(--navy-deep);}
.steps li > span:last-child{color:var(--muted); font-size:14.5px;}
.fee{display:flex; align-items:center; gap:24px; margin-top:16px; background:var(--navy-deep); color:#fff; border-radius:18px; padding:22px 26px;}
.fee .amt{font-family:'Fraunces',serif; font-size:34px; color:var(--gold-light); white-space:nowrap;}
.fee .amt small{font-family:'Inter',sans-serif; font-size:14px; color:#c7cce0;}
.fee-points{list-style:none; display:grid; gap:6px;}
.fee-points li{color:#c7cce0; font-size:14.5px; padding-left:22px; position:relative;}
.fee-points li::before{content:'✓'; position:absolute; left:0; color:var(--gold-light); font-weight:800;}
.fee-points b{color:#fff;}

.faqs{margin-top:18px; display:grid; gap:10px;}
details{background:#fff; border:1px solid var(--line); border-radius:14px; padding:4px 18px;}
summary{cursor:pointer; font-weight:600; color:var(--navy-deep); padding:14px 0; list-style:none; position:relative; padding-right:28px;}
summary::-webkit-details-marker{display:none;}
summary::after{content:'+'; position:absolute; right:0; top:10px; font-size:22px; color:var(--gold);}
details[open] summary::after{content:'–';}
details p{color:var(--muted); padding-bottom:16px; font-size:15px;}
.note{margin-top:18px; font-size:13.5px; color:#6b7285; background:#fff7e8; border:1px solid #f0d9a8; border-radius:12px; padding:12px 16px;}
.note a{text-decoration:underline; font-weight:600; color:var(--navy-mid); overflow-wrap:anywhere;}

.cta-band{margin-top:56px; background:linear-gradient(135deg,var(--navy-deep),var(--navy-soft)); border-radius:24px; padding:44px 24px; text-align:center;}
.cta-band h2{color:#fff; font-size:clamp(24px,3.6vw,34px);}
.cta-band p{color:#c7cce0; margin-top:10px;}

.others{display:flex; flex-wrap:wrap; gap:10px; margin-top:14px;}
.others a{background:#fff; border:1px solid var(--line); border-radius:999px; padding:9px 16px; font-weight:600; font-size:14.5px; color:var(--navy-mid);}
.others a:hover{border-color:var(--gold);}

footer{margin-top:64px; border-top:1px solid var(--line); padding:28px 20px 90px; text-align:center; font-size:13.5px; color:#7a8094;}
.foot-contact{display:flex; flex-wrap:wrap; justify-content:center; gap:8px 22px; margin-bottom:12px; font-weight:600;}
.foot-contact a{color:var(--navy-mid); overflow-wrap:anywhere;}
footer p a{text-decoration:underline;}

.wa-float{position:fixed; right:16px; bottom:16px; z-index:60; width:56px; height:56px; border-radius:50%; background:#25d366; color:#fff; display:flex; align-items:center; justify-content:center; box-shadow:0 8px 22px rgba(0,0,0,0.25);}

@media (max-width:820px){
  .facts{grid-template-columns:1fr 1fr;}
  .steps{grid-template-columns:1fr 1fr;}
  .checklist{grid-template-columns:1fr;}
  .fee{flex-direction:column; align-items:flex-start; gap:8px;}
}
@media (max-width:520px){
  .nav-link{display:none;}
  .bar img{height:40px;}
  .facts, .steps{grid-template-columns:1fr;}
  .ctas .btn{width:100%;}
}
@media (prefers-reduced-motion: reduce){*{transition:none !important; scroll-behavior:auto !important;}}

.wrap.narrow{max-width:780px;}
.toc{background:#fff; border:1px solid var(--line); border-radius:16px; padding:18px 22px; margin-bottom:8px;}
.toc b{color:var(--navy-deep); font-size:14px;}
.toc ol{margin:8px 0 0 18px; display:grid; gap:4px;}
.toc a{color:var(--navy-mid); font-size:14.5px; text-decoration:underline; text-decoration-color:rgba(194,135,43,0.5); text-underline-offset:3px;}
.prose section{margin-top:40px; scroll-margin-top:90px;}
.prose h2{font-size:clamp(23px,3.2vw,29px); margin-bottom:12px;}
.prose p{color:#33384a; font-size:16.5px; line-height:1.75; margin-top:10px;}
.prose ul, .prose ol{margin:12px 0 0 22px; display:grid; gap:8px;}
.prose li{color:#33384a; font-size:16px; line-height:1.65;}
.prose .tip{margin-top:16px; background:#fff7e8; border-left:4px solid var(--gold); border-radius:10px; padding:14px 16px; color:#4a3a14; font-size:15px; line-height:1.6;}
.prose .sample{margin-top:14px; white-space:pre-wrap; font-family:'Inter',sans-serif; font-size:14.5px; line-height:1.65; color:#2a2f40; background:#fff; border:1px dashed rgba(2,30,62,0.25); border-radius:14px; padding:20px;}
.mid-cta{margin-top:36px; display:flex; align-items:center; justify-content:space-between; gap:16px; flex-wrap:wrap; background:var(--navy-deep); border-radius:18px; padding:20px 22px;}
.mid-cta b{display:block; color:#fff; font-size:16px;}
.mid-cta span{color:#c7cce0; font-size:14px;}
.guide-grid{display:grid; grid-template-columns:repeat(auto-fill,minmax(260px,1fr)); gap:16px; margin-top:14px;}
.guide-card{display:flex; flex-direction:column; gap:8px; background:#fff; border:1px solid var(--line); border-radius:18px; padding:20px; transition:border-color .2s ease, transform .2s ease;}
.guide-card:hover{border-color:var(--gold); transform:translateY(-3px);}
.guide-card b{font-family:'Fraunces',serif; font-weight:600; color:var(--navy-deep); font-size:18px; line-height:1.3;}
.guide-card span{color:var(--muted); font-size:14px; line-height:1.55; flex:1;}
.guide-card em{font-style:normal; color:var(--gold); font-weight:700; font-size:14px;}
footer p + p{margin-top:6px;}
@media (max-width:520px){ .mid-cta .btn{width:100%;} .prose p{font-size:16px;} }

.post-card{padding:0; overflow:hidden;}
.post-card img{width:100%; aspect-ratio:16/9; object-fit:cover; display:block; background:#1b2233;}
.post-card small, .post-card b, .post-card span, .post-card em{padding:0 20px;}
.post-card small{padding-top:16px; color:var(--gold); font-weight:700; font-size:12.5px; letter-spacing:0.04em;}
.post-card em{padding-bottom:20px;}
.prose figure{margin:16px 0 0;}
.prose figure img{width:100%; max-height:520px; object-fit:contain; background:#1b2233; border-radius:16px; display:block;}
.prose figcaption{color:#6b7285; font-size:13.5px; margin-top:8px; text-align:center;}
.hero .lead a{color:var(--navy-mid);}