*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}body{font-family:system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;color:#fff;background:#09376b;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}:root{--tb: #09376b;--tb-mid: #0e4c92;--tb-gold: #d7ad65;--tb-gold-dark: #b8944e;--tb-gold-light: #edd9b7;--tb-red: #CD2C0A}.container{max-width:1152px;margin:0 auto;padding:0 16px}@media (min-width: 640px){.container{padding:0 24px}}.top-bar{background:linear-gradient(to right, var(--tb), var(--tb-mid), var(--tb))}.top-bar-inner{display:flex;align-items:center;justify-content:space-between;height:120px}.top-bar-logo{height:82px;width:auto;filter:brightness(0) invert(1)}.top-bar-info{text-align:right;display:none}@media (min-width: 768px){.top-bar-info{display:block}}.top-bar-info p{font-weight:600;line-height:1.4}.top-bar-info .title{font-size:15px}.top-bar-info .company{font-size:14px;margin-top:4px}.top-bar-info .links{display:flex;align-items:center;justify-content:flex-end;gap:16px;margin-top:8px;font-size:14px;font-weight:500}.top-bar-info .links a{font-weight:700;color:var(--tb-gold);transition:color 0.2s}.top-bar-info .links a:hover{color:#fff}.nav-bar{position:sticky;top:0;z-index:30;background:var(--tb);border-top:1px solid rgba(255,255,255,0.1);box-shadow:0 10px 15px -3px rgba(0,0,0,0.2)}.nav-bar-inner{display:flex;align-items:center;justify-content:space-between}.nav-logo{display:flex;align-items:center;padding:12px 0;font-size:20px;font-weight:700;color:#fff}.nav-logo .gold{color:var(--tb-gold)}.nav-links{display:none;list-style:none;align-items:center;gap:4px}@media (min-width: 768px){.nav-links{display:flex}}.nav-links a{padding:16px 12px;font-size:14px;font-weight:500;text-transform:uppercase;letter-spacing:0.05em;color:rgba(255,255,255,0.7);transition:color 0.2s}.nav-links a:hover{color:#fff}.hamburger{display:block;padding:12px 0;background:none;border:none;cursor:pointer}@media (min-width: 768px){.hamburger{display:none}}.hamburger svg{width:24px;height:24px;color:rgba(255,255,255,0.7)}.mobile-menu{display:none;border-top:1px solid rgba(255,255,255,0.1);padding:8px 16px 16px}.mobile-menu.open{display:block}@media (min-width: 768px){.mobile-menu{display:none !important}}.mobile-menu ul{list-style:none}.mobile-menu li+li{margin-top:4px}.mobile-menu a{display:block;padding:8px 12px;font-size:14px;color:rgba(255,255,255,0.8);border-radius:6px;transition:background 0.2s}.mobile-menu a:hover{background:rgba(255,255,255,0.1)}.btn{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;border-radius:8px;font-size:14px;font-weight:500;padding:12px 20px;transition:all 0.2s;border:none;cursor:pointer}.btn-sm{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;border-radius:8px;font-size:14px;font-weight:500;padding:8px 12px;transition:all 0.2s;border:none;cursor:pointer}.btn-gold{background:var(--tb-gold);color:var(--tb);font-weight:600;box-shadow:0 10px 15px -3px rgba(215,173,101,0.2)}.btn-gold:hover{background:var(--tb-gold-dark)}.btn-gold svg{margin-left:8px;width:12px;height:12px;flex-shrink:0;fill:currentColor}.hero{position:relative;overflow:hidden}.hero-bg{position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg, #0b3c6f 0%, #0a3563 35%, #082e57 100%);border-top-right-radius:100px}.hero-content{padding:48px 0}@media (min-width: 768px){.hero-content{padding:80px 0}}.hero h1{font-size:30px;font-weight:700;margin-bottom:16px}@media (min-width: 768px){.hero h1{font-size:36px}}.hero p{max-width:512px;font-size:18px;color:rgba(255,255,255,0.6)}.steps-header{display:flex;align-items:center;justify-content:space-between;cursor:pointer;padding-bottom:16px}.steps-header h2{font-size:24px;font-weight:700;color:#fff}.steps-chevron{width:24px;height:24px;color:rgba(255,255,255,0.5);transition:transform 0.3s}.steps-wrapper.closed .steps-chevron{transform:rotate(-90deg)}.steps-content{max-height:0;overflow:hidden;transition:max-height 0.4s ease}.steps-content.open{max-height:9999px}.cta-group{display:flex;flex-wrap:wrap;align-items:center;gap:12px}.btn-secondary{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;background:transparent;border:1px solid var(--tb-gold);color:var(--tb-gold);padding:12px 20px;border-radius:8px;font-size:14px;font-weight:500;text-decoration:none;transition:all 0.2s;cursor:pointer}.btn-secondary:hover{background:var(--tb-gold);color:var(--tb)}.steps-section{position:relative;overflow:hidden}.steps-bg{position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg, #082e57 0%, var(--tb) 100%)}.steps-inner{padding-bottom:48px}@media (min-width: 768px){.steps-inner{padding-bottom:80px}}.steps-layout{display:flex;flex-direction:column;gap:48px}@media (min-width: 768px){.steps-layout{flex-direction:row;align-items:flex-start}}.steps-list{max-width:448px;flex-shrink:0}.step-item{display:flex;gap:16px}.step-item+.step-item{margin-top:16px}.step-number{display:flex;align-items:center;justify-content:center;width:32px;height:32px;flex-shrink:0;border-radius:50%;background:rgba(215,173,101,0.2);font-size:14px;font-weight:700;color:var(--tb-gold)}.step-text{font-size:14px;line-height:1.75;color:rgba(255,255,255,0.7)}.step-text strong{color:#fff}.step-text .gold{color:var(--tb-gold);font-weight:600}.step-text .gold-bg{background:rgba(215,173,101,0.2);padding:2px 6px;border-radius:4px;font-weight:600;color:var(--tb-gold)}.step-text a.gold-link{font-weight:600;color:var(--tb-gold);text-decoration:underline;text-underline-offset:4px;text-decoration-color:rgba(215,173,101,0.4);transition:text-decoration-color 0.2s}.step-text a.gold-link:hover{text-decoration-color:var(--tb-gold)}.step-text .red{color:var(--tb-red);font-weight:700}.steps-footer{margin-top:32px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1)}.steps-footer .legal{font-size:12px;color:rgba(255,255,255,0.5);margin-bottom:16px}.steps-footer .legal strong{color:var(--tb-gold)}.steps-footer .actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px}.steps-footer .back-link{font-size:14px;color:rgba(255,255,255,0.5);transition:color 0.2s}.steps-footer .back-link:hover{color:#fff}.steps-cards{flex:1;display:grid;gap:12px}@media (min-width: 640px){.steps-cards{grid-template-columns:repeat(2, 1fr)}}.step-card{padding:20px;border-radius:12px;border:1px solid rgba(215,173,101,0.1);background:rgba(255,255,255,0.05);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}.step-card .card-number{font-size:24px;font-weight:700;color:rgba(215,173,101,0.3);margin-bottom:4px}.step-card .card-title{font-size:14px;font-weight:600;color:#fff}.site-footer{background:var(--tb);border-top:1px solid rgba(255,255,255,0.1)}.footer-inner{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;padding:24px 0}.footer-brand{font-size:20px;font-weight:700}.footer-brand .gold{color:var(--tb-gold)}.footer-copy{font-size:13px;color:rgba(255,255,255,0.4);text-align:right}.footer-copy a{transition:color 0.2s}.footer-copy a:hover{color:var(--tb-gold)}