:root {
      --navy: #173b63;
      --blue: #1e73be;
      --sky: #eaf5ff;
      --gold: #f5b335;
      --green: #2e8b68;
      --dark: #17212b;
      --muted: #657383;
      --white: #fff;
      --light: #f6f9fc;
      --border: #dfe7ef;
      --shadow: 0 16px 45px rgba(23,59,99,.12);
      --radius: 22px;
    }

    * { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      color: var(--dark);
      background: var(--white);
      line-height: 1.6;
    }
    a { color: inherit; text-decoration: none; }
    img { width: 100%; display: block; object-fit: cover; }
    .container { width: min(1160px, 92%); margin: auto; }
    .section { padding: 88px 0; }
    .eyebrow {
      display: inline-flex;
      padding: 7px 13px;
      border-radius: 999px;
      background: #e8f3fc;
      color: var(--blue);
      font-size: .78rem;
      font-weight: 800;
      letter-spacing: .08em;
      text-transform: uppercase;
    }
    h1, h2, h3 { line-height: 1.15; }
    h2 { font-size: clamp(2rem, 4vw, 3.2rem); color: var(--navy); }
    .section-intro { max-width: 720px; margin: 16px auto 0; color: var(--muted); font-size: 1.08rem; }
    .center { text-align: center; }

    /* Header */
    header {
      position: sticky;
      top: 0;
      z-index: 20;
      background: rgba(255,255,255,.94);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(223,231,239,.8);
    }
    nav {
      min-height: 72px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
    }
    .brand {
      display: flex;
      align-items: center;
      gap: 10px;
      font-weight: 900;
      font-size: 1.35rem;
      color: var(--navy);
    }
    .brand-mark {
      width: 38px; height: 38px;
      border-radius: 10px 10px 10px 2px;
      background: linear-gradient(135deg, var(--gold), #ffe08a);
      display: grid; place-items: center;
      color: var(--navy);
      font-weight: 900;
    }
    .nav-links { display: flex; gap: 22px; align-items: center; font-size: .92rem; }
    .nav-links a:hover { color: var(--blue); }
    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      padding: 13px 21px;
      border-radius: 999px;
      font-weight: 800;
      border: 2px solid transparent;
      transition: .2s ease;
      cursor: pointer;
    }
    .btn-primary { background: var(--blue); color: white; box-shadow: 0 10px 25px rgba(30,115,190,.24); }
    .btn-primary:hover { transform: translateY(-2px); }
    .btn-outline { border-color: var(--blue); color: var(--blue); background: white; }
    .btn-outline:hover { background: var(--sky); }

    /* Hero */
    .hero {
      position: relative;
      overflow: hidden;
      background:
        radial-gradient(circle at 85% 15%, rgba(245,179,53,.25), transparent 30%),
        linear-gradient(135deg, #f3f9ff 0%, #fff 55%, #f5fbf8 100%);
      padding: 92px 0 78px;
    }
    .hero-grid {
      display: grid;
      grid-template-columns: 1.05fr .95fr;
      gap: 56px;
      align-items: center;
    }
    .hero h1 { font-size: clamp(2.7rem, 6vw, 5.3rem); color: var(--navy); margin: 18px 0; }
    .hero h1 span { color: var(--blue); }
    .hero p { max-width: 650px; color: var(--muted); font-size: 1.15rem; }
    .hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
    .hero-note { margin-top: 18px; font-size: .84rem !important; color: #758392 !important; }
    .hero-visual { position: relative; }
    .hero-card {
      background: white;
      padding: 12px;
      border-radius: 28px;
      box-shadow: var(--shadow);
      transform: rotate(1deg);
    }
    .hero-card img { height: 510px; border-radius: 20px; }
    .floating-card {
      position: absolute;
      left: -28px;
      bottom: 28px;
      background: white;
      padding: 16px 20px;
      border-radius: 16px;
      box-shadow: var(--shadow);
      max-width: 260px;
    }
    .floating-card strong { color: var(--navy); display: block; }
    .floating-card span { color: var(--muted); font-size: .88rem; }

    /* Benefits */
    .benefits {
      background: var(--navy);
      color: white;
      padding: 34px 0;
    }
    .benefit-grid {
      display: grid;
      grid-template-columns: repeat(5, 1fr);
      gap: 20px;
    }
    .benefit { text-align: center; padding: 12px; }
    .benefit-icon { font-size: 1.8rem; margin-bottom: 7px; }
    .benefit h3 { font-size: .98rem; }
    .benefit p { color: #cbd9e7; font-size: .82rem; margin-top: 5px; }

    /* Steps */
    .steps { background: var(--light); }
    .step-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px; }
    .step {
      background: white;
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 28px;
      position: relative;
    }
    .step-number {
      width: 44px; height: 44px; border-radius: 50%;
      background: var(--blue); color: white;
      display: grid; place-items: center;
      font-weight: 900; margin-bottom: 22px;
    }
    .step h3 { color: var(--navy); margin-bottom: 10px; }
    .step p { color: var(--muted); font-size: .93rem; }

    /* Model */
    .model-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: center; }
    .model-copy p { color: var(--muted); margin-top: 18px; }
    .model-list { margin-top: 26px; display: grid; gap: 14px; }
    .model-item {
      display: flex; gap: 13px; align-items: flex-start;
      padding: 14px 0; border-bottom: 1px solid var(--border);
    }
    .check {
      width: 28px; height: 28px; border-radius: 50%;
      background: #e8f7f1; color: var(--green);
      display: grid; place-items: center; flex: 0 0 auto;
      font-weight: 900;
    }
    .model-item strong { color: var(--navy); display: block; }
    .model-item span { color: var(--muted); font-size: .9rem; }

    /* Levels */
    .levels { background: var(--light); }
    .level-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 46px; }
    .level-card {
      background: white; border: 1px solid var(--border);
      border-radius: var(--radius); 
      /*padding: 34px;*/
      box-shadow: 0 10px 30px rgba(23,59,99,.05);
    }
    .level-card.featured { border: 2px solid var(--blue); transform: translateY(-8px); }
    .level-label { color: var(--blue); font-weight: 900; letter-spacing: .08em; }
    .level-card h3 { font-size: 2.3rem; color: var(--navy); margin: 12px 0; }
    .level-card p { color: var(--muted); }
    .level-card .btn { width: 100%; margin-top: 24px; }
    .level-note {
      max-width: 850px; margin: 30px auto 0; padding: 18px 22px;
      background: #fff9e9; border: 1px solid #f3df9c;
      border-radius: 14px; color: #6d5b26; font-size: .9rem;
    }

    /* Transparency */
    .trust { background: #fff; }
    .trust-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
    .trust-box {
      background: var(--navy); color: white; padding: 42px; border-radius: 28px;
      box-shadow: var(--shadow);
    }
    .trust-box h3 { font-size: 1.9rem; margin-bottom: 14px; }
    .trust-box p { color: #d6e3ef; }
    .trust-points { display: grid; gap: 14px; margin-top: 24px; }
    .trust-point { display: flex; gap: 12px; align-items: flex-start; }
    .trust-point b { color: var(--gold); }
    .deposit-cards { display: grid; gap: 14px; }
    .deposit-card {
      border: 1px solid var(--border); border-radius: 16px; padding: 20px;
      background: white;
    }
    .deposit-card strong { color: var(--navy); display: block; margin-bottom: 5px; }
    .deposit-card span { color: var(--muted); font-size: .9rem; }

    /* Social */
    .social { background: linear-gradient(135deg, #f5fbf8, #f4f9ff); }
    .gallery {
      display: grid;
      grid-template-columns: 1.35fr 1fr 1fr;
      grid-template-rows: 260px 260px;
      gap: 14px;
      margin-top: 48px;
    }
    .gallery figure { overflow: hidden; border-radius: 18px; position: relative; }
    .gallery figure:first-child { grid-row: 1 / 3; }
    .gallery img { height: 100%; transition: transform .4s ease; }
    .gallery figure:hover img { transform: scale(1.04); }
    .gallery figcaption {
      position: absolute; left: 0; right: 0; bottom: 0;
      padding: 28px 18px 16px; color: white; font-weight: 800;
      background: linear-gradient(transparent, rgba(0,0,0,.7));
    }
    .social-copy { max-width: 760px; margin: 40px auto 0; text-align: center; }
    .social-copy p { color: var(--muted); font-size: 1.08rem; }
    .quote {
      margin-top: 22px; font-size: 1.45rem; font-weight: 800; color: var(--navy);
    }

    /* Team */
    .team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
    .team-card {
      background: var(--sky); border-radius: 28px; padding: 42px;
    }
    .team-card h3 { color: var(--navy); font-size: 2rem; }
    .team-card p { color: var(--muted); margin-top: 14px; }
    .team-points { margin-top: 22px; display: grid; gap: 10px; }
    .team-points div { font-weight: 700; color: var(--navy); }

    /* FAQ */
    .faq { background: var(--light); }
    .faq-list { max-width: 850px; margin: 42px auto 0; display: grid; gap: 12px; }
    details {
      background: white; border: 1px solid var(--border);
      border-radius: 14px; padding: 18px 22px;
    }
    summary { cursor: pointer; font-weight: 800; color: var(--navy); }
    details p { color: var(--muted); padding-top: 12px; font-size: .93rem; }

    /* CTA */
    .cta {
      padding: 90px 0;
      background: var(--navy);
      color: white;
      text-align: center;
    }
    .cta h2 { color: white; max-width: 800px; margin: auto; }
    .cta p { max-width: 650px; margin: 18px auto 0; color: #cfdae5; }
    .cta .btn { margin-top: 28px; background: var(--gold); color: var(--navy); }

    footer { background: #0e2944; color: #cbd9e7; padding: 42px 0; }
    .footer-grid { display: flex; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
    footer strong { color: white; }
    .footer-links { display: flex; flex-wrap: wrap; gap: 18px; font-size: .9rem; }
    .disclaimer { margin-top: 28px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.15); font-size: .78rem; color: #9fb1c3; }

    @media (max-width: 900px) {
      .hero-grid, .model-grid, .trust-grid, .team-grid { grid-template-columns: 1fr; }
      .hero-visual { max-width: 650px; margin: auto; }
      .benefit-grid { grid-template-columns: repeat(3, 1fr); }
      .step-grid { grid-template-columns: repeat(2, 1fr); }
      .level-grid { grid-template-columns: 1fr; max-width: 600px; margin-left: auto; margin-right: auto; }
      .level-card.featured { transform: none; }
      .gallery { grid-template-columns: 1fr 1fr; grid-template-rows: 280px 200px 200px; }
      .gallery figure:first-child { grid-row: 1 / 2; grid-column: 1 / 3; }
    }

    @media (max-width: 640px) {
      .nav-links { display: none; }
      .hero { padding: 65px 0; }
      .hero-card img { height: 390px; }
      .floating-card { left: 10px; bottom: 15px; }
      .benefit-grid { grid-template-columns: 1fr 1fr; }
      .step-grid { grid-template-columns: 1fr; }
      .gallery { display: flex; flex-direction: column; }
      .gallery figure, .gallery figure:first-child { height: 280px; }
      .section { padding: 65px 0; }
    }