:root{
  --ink:#102038;
  --ink-2:#253651;
  --muted:#68758a;
  --paper:#ffffff;
  --soft:#f5f7fb;
  --soft-2:#edf1f7;
  --line:#dfe5ee;
  --navy:#102a4c;
  --navy-2:#173b69;
  --gold:#b9965a;
  --gold-soft:#efe3cf;
  --shadow:0 22px 60px rgba(18,37,63,.10);
  --shadow-soft:0 10px 30px rgba(18,37,63,.07);
  --radius:22px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:
    radial-gradient(circle at 8% 4%, rgba(185,150,90,.08), transparent 24%),
    linear-gradient(180deg,#fff 0%,#f8fafc 100%);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--navy-2);text-decoration:none}
a:hover{text-decoration:none;color:#0a58a8}

.wrap{width:min(1180px,calc(100% - 44px));margin:0 auto}

header{
  position:sticky;
  top:0;
  z-index:20;
  background:rgba(255,255,255,.92);
  border-bottom:1px solid rgba(223,229,238,.9);
  backdrop-filter:blur(14px);
}
.nav{
  min-height:82px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:26px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  color:var(--ink);
  font-family:Georgia,"Times New Roman",serif;
  font-weight:700;
  font-size:1.18rem;
  letter-spacing:.02em;
}
.brand:before{
  content:"B";
  width:38px;height:38px;
  border:1px solid rgba(185,150,90,.65);
  border-radius:50%;
  display:grid;place-items:center;
  color:var(--gold);
  font-family:Georgia,"Times New Roman",serif;
  font-size:1.1rem;
  background:linear-gradient(145deg,#fff,#f7f2e8);
  box-shadow:0 5px 18px rgba(185,150,90,.14);
}
nav{
  display:flex;
  align-items:center;
  gap:22px;
  flex-wrap:wrap;
  justify-content:flex-end;
}
nav a{
  color:#3b4b62;
  font-size:.93rem;
  font-weight:600;
  letter-spacing:.01em;
  padding:8px 0;
}
nav a:hover{color:var(--navy)}

.hero{
  padding:86px 0 72px;
  background:
    radial-gradient(circle at 84% 20%,rgba(185,150,90,.12),transparent 20%),
    linear-gradient(135deg,#f8fafc 0%,#fff 45%,#f4f7fb 100%);
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.18fr) minmax(320px,.82fr);
  gap:56px;
  align-items:center;
}
.kicker{
  display:inline-flex;
  align-items:center;
  gap:9px;
  color:var(--gold);
  text-transform:uppercase;
  font-size:.75rem;
  font-weight:800;
  letter-spacing:.16em;
  margin-bottom:14px;
}
.kicker:before{content:"";width:34px;height:1px;background:var(--gold)}
h1,h2,h3{
  margin-top:0;
  color:var(--ink);
}
h1{
  margin-bottom:18px;
  font-family:Georgia,"Times New Roman",serif;
  font-size:clamp(2.8rem,5vw,5.2rem);
  line-height:1.02;
  letter-spacing:-.035em;
  font-weight:700;
}
.policy h1{font-size:clamp(2.5rem,4.2vw,4.4rem)}
h2{
  font-family:Georgia,"Times New Roman",serif;
  font-size:clamp(2rem,3vw,3rem);
  line-height:1.12;
  letter-spacing:-.025em;
  margin-bottom:26px;
}
h3{
  font-size:1.16rem;
  margin-bottom:10px;
  letter-spacing:-.01em;
}
p{margin:0 0 16px}
.lead{
  font-size:1.18rem;
  color:var(--muted);
  max-width:760px;
  margin-bottom:28px;
}
.small{font-size:.91rem;color:var(--muted)}

.btn,button{
  appearance:none;
  border:0;
  border-radius:12px;
  padding:14px 20px;
  background:linear-gradient(135deg,var(--navy),var(--navy-2));
  color:#fff;
  font-size:.95rem;
  font-weight:800;
  letter-spacing:.01em;
  box-shadow:0 10px 24px rgba(16,42,76,.18);
  cursor:pointer;
  transition:.18s ease;
}
.btn{display:inline-block}
.btn:hover,button:hover{
  color:#fff;
  transform:translateY(-1px);
  box-shadow:0 14px 30px rgba(16,42,76,.22);
}

.section{padding:74px 0}
.section + .section{padding-top:18px}
.card{
  background:rgba(255,255,255,.96);
  border:1px solid rgba(223,229,238,.95);
  border-radius:var(--radius);
  padding:30px;
  box-shadow:var(--shadow-soft);
}
.hero .card{
  padding:34px;
  border-top:3px solid var(--gold);
  box-shadow:var(--shadow);
}
.stat{
  margin:4px 0 14px;
  font-family:Georgia,"Times New Roman",serif;
  font-size:2rem;
  font-weight:700;
}
.grid3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}
.grid3 .card{min-height:180px}
.tag{
  display:inline-block;
  margin:5px 7px 0 0;
  padding:7px 11px;
  border-radius:999px;
  background:linear-gradient(180deg,#f8f4eb,#efe4d2);
  color:#6e552c;
  border:1px solid #e6d7bd;
  font-size:.78rem;
  font-weight:800;
}
.notice{
  background:linear-gradient(135deg,#f6f1e7,#fff);
  border:1px solid #eadcc5;
  border-left:4px solid var(--gold);
  border-radius:16px;
  padding:19px 22px;
  color:#5f513a;
}
.policy .section{padding-top:56px}
.policy .card{max-width:900px;margin:0 auto;padding:38px}

form{display:block}
.form-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
  margin-bottom:20px;
}
label{
  display:block;
  font-weight:800;
  color:var(--ink-2);
  font-size:.9rem;
  margin-bottom:8px;
}
input[type="text"],input[type="tel"],input[type="email"],textarea,select{
  width:100%;
  min-height:52px;
  border:1px solid #cfd8e6;
  border-radius:12px;
  background:#fff;
  color:var(--ink);
  font:inherit;
  padding:12px 14px;
  outline:none;
  transition:.16s ease;
  box-shadow:0 1px 0 rgba(16,32,56,.02);
}
input:focus,textarea:focus,select:focus{
  border-color:#8da7c8;
  box-shadow:0 0 0 4px rgba(29,83,139,.08);
}
.checkbox{
  display:grid;
  grid-template-columns:22px 1fr;
  gap:12px;
  align-items:start;
  margin:20px 0 14px;
  padding:18px 20px;
  border-radius:15px;
  background:#f8fafc;
  border:1px solid var(--line);
}
.checkbox input{
  width:18px;height:18px;
  margin-top:3px;
  accent-color:var(--navy);
}
.checkbox label{
  margin:0;
  font-weight:600;
  line-height:1.55;
}
hr{
  border:0;
  border-top:1px solid var(--line);
  margin:30px 0;
}

footer{
  margin-top:42px;
  background:#0f223b;
  color:#d8e0ea;
  border-top:1px solid rgba(255,255,255,.05);
}
.footer{
  min-height:110px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  font-size:.9rem;
}
.footer a{color:#f0dfc2}
.footer a:hover{color:#fff}

@media (max-width:900px){
  .hero-grid,.grid3{grid-template-columns:1fr}
  .hero{padding-top:62px}
  .nav{align-items:flex-start;padding:18px 0}
  nav{gap:14px}
}
@media (max-width:680px){
  .wrap{width:min(100% - 28px,1180px)}
  .nav{display:block}
  nav{margin-top:14px;justify-content:flex-start}
  .form-row{grid-template-columns:1fr}
  .policy .card,.card{padding:24px}
  h1{font-size:2.6rem}
  .footer{align-items:flex-start;flex-direction:column;justify-content:center;padding:26px 0}
}