:root{--navy:#12304f;--navy-d:#0b2036;--gold:#c9a86a;--gold-l:#e8d5ab;--sand:#f7f1e6;--ink:#24303c;--gray:#6b7683;--line:#e6ddcc;}
  *{margin:0;padding:0;box-sizing:border-box;}
  body{font-family:"Segoe UI",Arial,sans-serif;background:#fff;color:var(--ink);line-height:1.7;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1060px;margin:0 auto;padding:0 22px;}
  .serif{font-family:Georgia,"Times New Roman",serif;}
  .step{display:inline-block;font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:10px;}
  h2{font-size:30px;color:var(--navy);line-height:1.25;margin-bottom:14px;}
  .mod{padding:60px 0;}
  .mod.gray{background:var(--sand);}
  .txt p{color:var(--gray);font-size:16px;max-width:640px;}
  .hero{background:linear-gradient(135deg,var(--navy-d),var(--navy) 60%,#1d4a76);color:#fff;padding:86px 0 76px;text-align:center;}
  .hero .kicker{letter-spacing:4px;font-size:13px;color:var(--gold-l);text-transform:uppercase;margin-bottom:16px;}
  .hero h1{font-size:56px;line-height:1.08;margin-bottom:18px;letter-spacing:1px;}
  .hero h1 em{font-style:normal;color:var(--gold-l);}
  .hero p{color:#d7e2ee;max-width:640px;margin:0 auto 28px;font-size:17px;}
  .chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;}
  .chip{border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:7px 18px;font-size:13.5px;letter-spacing:.4px;color:#eaf1f8;}
  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px;}
  .grid5{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:28px;}
  .grid8{display:grid;grid-template-columns:repeat(8,1fr);gap:12px;margin-top:28px;}
  .grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px;}
  .cell{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;}
  .cell img{width:100%;height:auto;object-fit:cover;}
  .cell .lab{padding:7px 8px;font-size:11.5px;color:var(--gray);text-align:center;border-top:1px solid var(--line);background:#fff;}
  .mod.gray .cell{background:#fff;}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:30px;}
  .stp{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 18px;}
  .stp .num{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:12px;font-size:15px;}
  .stp h4{color:var(--navy);font-size:16px;margin-bottom:6px;}
  .stp p{font-size:13.5px;color:var(--gray);}
  details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-top:12px;}
  summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:15.5px;}
  details p{margin-top:10px;color:var(--gray);font-size:14.5px;}
  .cta{background:var(--navy);color:#fff;text-align:center;padding:56px 0;}
  .cta h2{color:#fff;font-size:32px;}
  .cta p{color:#c9d6e4;margin:12px auto 26px;max-width:560px;}
  .btn{display:inline-block;background:var(--gold);color:var(--navy-d);font-weight:700;padding:13px 34px;border-radius:999px;text-decoration:none;font-size:15.5px;letter-spacing:.5px;}
  .btn:hover{background:var(--gold-l);}
  @media(max-width:860px){
    .hero h1{font-size:38px;}
    .grid3,.grid4{grid-template-columns:repeat(2,1fr);}
    .grid5{grid-template-columns:repeat(3,1fr);}
    .grid8{grid-template-columns:repeat(4,1fr);}
    .steps{grid-template-columns:repeat(2,1fr);}
    h2{font-size:25px;}
  }