:root{--navy:#08265c;--navy-2:#0b3e80;--blue:#168ed1;--cyan:#38bced;--gold:#c7a458;--gold-light:#ecd89d;--ink:#13233d;--muted:#56657a;--soft:#f1f7fb;--white:#fff;--line:#dbe6ee;--shadow:0 22px 60px rgba(8,38,92,.14)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);font-family:"DM Sans",sans-serif;font-size:18px;line-height:1.66;background:#fff}
img{max-width:100%;display:block}
a{color:inherit}
button,input,textarea{font:inherit}
.skip-link{position:fixed;left:1rem;top:-5rem;background:#fff;padding:.8rem 1rem;z-index:1000}.skip-link:focus{top:1rem}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(8,38,92,.08)}
.nav-wrap{max-width:1220px;margin:auto;padding:.75rem 1.4rem;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy)}
.brand img{width:64px;height:64px;object-fit:contain}
.brand-copy{display:grid;line-height:1}.brand-title{display:grid}.brand-title strong{text-transform:uppercase;letter-spacing:.04em;font-size:1.04rem}.brand-title small{text-transform:uppercase;letter-spacing:.2em;font-size:.7rem;margin-top:.22rem}.brand-signature{font-family:"Playfair Display",serif;font-size:.83rem;font-style:italic;color:var(--gold);margin-top:.38rem}.brand-tagline{font-size:.66rem;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);margin-top:.25rem}
nav{display:flex;align-items:center;gap:1.45rem}nav a{text-decoration:none;font-weight:600;font-size:1rem}nav a:hover{color:var(--blue)}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;color:var(--navy);padding:.55rem .8rem;border-radius:999px;font-weight:700}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:.82rem 1.45rem;border-radius:999px;border:0;background:var(--navy);color:#fff;text-transform:uppercase;letter-spacing:.075em;font-size:.94rem;font-weight:700;text-decoration:none;cursor:pointer;box-shadow:0 8px 22px rgba(8,38,92,.18);transition:.2s transform,.2s background}
.button:hover{transform:translateY(-2px);background:var(--navy-2)}
.button-small{min-height:44px;padding:.58rem 1.1rem;font-size:.86rem}
.button-light{background:#fff;color:var(--navy);box-shadow:none}.button-light:hover{background:var(--gold-light);color:var(--navy)}
.button-dark{background:var(--navy);box-shadow:none}.button-gold{background:var(--gold);color:#08265c}.button-gold:hover{background:#e3c877;color:#08265c}
.text-link{font-weight:700;color:var(--navy);text-underline-offset:.25rem}.text-link span{color:var(--blue);font-size:1.25em}
.hero{min-height:760px;display:grid;grid-template-columns:minmax(0,1.06fr) minmax(370px,.94fr);align-items:center;max-width:1320px;margin:auto;padding:5.3rem 3rem 5rem;gap:4rem;overflow:hidden}
.eyebrow{margin:0 0 1rem;color:var(--blue);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.9rem}.eyebrow-light{color:#7dd8fa}
h1,h2,h3{font-family:"Playfair Display",serif;color:var(--navy);line-height:1.08;margin-top:0}
h1{font-size:clamp(3rem,6vw,5.6rem);letter-spacing:-.045em;margin-bottom:1.45rem;max-width:760px}
h2{font-size:clamp(2.3rem,4.2vw,4.1rem);letter-spacing:-.035em;margin-bottom:1.1rem}
h3{font-size:1.55rem}
.hero-lead{font-size:clamp(1.15rem,1.8vw,1.38rem);max-width:640px;color:var(--muted);margin-bottom:.5rem}
.signature{font-family:"Playfair Display",serif;font-size:1.55rem;font-style:italic;color:var(--navy);margin:.7rem 0 1.8rem}
.hero-actions{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.trust-line{display:flex;flex-wrap:wrap;gap:.65rem 1.3rem;margin-top:2.2rem;color:var(--muted);font-size:1rem}.trust-line span:before{content:"✓";color:var(--gold);font-weight:900;margin-right:.45rem}
.hero-image{position:relative;isolation:isolate;max-width:560px;justify-self:center}
.hero-image img{width:100%;aspect-ratio:1/1;object-fit:cover;object-position:center center;border-radius:2rem;box-shadow:var(--shadow)}
.gold-frame{position:absolute;inset:-1.2rem 1.4rem 1.2rem -1.2rem;border:2px solid var(--gold);border-radius:2.2rem;z-index:-1}
.hero-card{position:absolute;right:-2rem;bottom:1.5rem;background:#fff;padding:1rem 1.2rem;border-left:4px solid var(--gold);box-shadow:var(--shadow);display:grid;max-width:280px}.hero-card span{font-size:.88rem;color:var(--muted)}
.section{padding:7rem max(1.4rem,calc((100vw - 1180px)/2))}
.section-soft{background:linear-gradient(180deg,#f7fbfe,#eef6fb)}
.section-heading{max-width:720px;margin-bottom:3rem}.section-heading p{color:var(--muted);font-size:1.08rem}.centered{text-align:center;margin-left:auto;margin-right:auto}
.priority-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;max-width:1180px;margin:auto}
.priority-card{min-height:420px;padding:2.6rem;border-radius:1.6rem;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;position:relative}
.priority-card h3{font-size:3rem;margin:.2rem 0 1rem}.priority-card p{max-width:520px}.card-number{font-family:"Playfair Display";font-size:4rem;opacity:.16;font-weight:700}
.pension-card{background:linear-gradient(135deg,#08265c,#0b58a5);color:#fff}.pension-card h3{color:#fff}.pension-card .tag{color:#7dd8fa}
.credit-card{background:linear-gradient(135deg,#f7e9bd,#d8b66c);color:var(--navy)}.credit-card .tag{color:#6f5520}
.tag{text-transform:uppercase;letter-spacing:.13em;font-weight:700;font-size:.75rem}
.story{display:grid;grid-template-columns:.8fr 1.2fr;gap:6rem;align-items:center}
.story-image{position:relative;max-width:480px}.story-image img{width:100%;border-radius:1.5rem;box-shadow:var(--shadow)}
.quote-chip{position:absolute;right:-2rem;bottom:2rem;background:var(--navy);color:#fff;padding:1rem 1.2rem;border-radius:.8rem;font-family:"Playfair Display";font-style:italic}
.story-copy{max-width:700px}.story-copy>p:not(.eyebrow):not(.signature){color:var(--muted)}
blockquote{margin:2rem 0;padding:1.5rem 0 1.5rem 1.5rem;border-left:4px solid var(--gold);font-family:"Playfair Display";font-size:1.4rem;color:var(--navy)}
.services{background:#fff}
.services-lead{display:grid;grid-template-columns:.85fr 1.15fr;gap:4rem;align-items:center;margin-bottom:3.2rem}.services-lead .section-heading{margin:0}
.editorial-image{margin:0;position:relative}.editorial-image img{width:100%;object-fit:cover;border-radius:1.4rem;box-shadow:var(--shadow)}.editorial-image figcaption{margin-top:.85rem;color:var(--muted);font-size:1rem}.editorial-image figcaption strong{color:var(--navy)}
.calculation-image img{height:410px;object-position:center 58%}
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.service-grid article{padding:2rem;border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:260px;transition:.2s background,.2s transform}
.service-grid article:hover{background:var(--soft);transform:translateY(-3px)}
.service-grid article>span{font-weight:700;color:var(--gold)}.service-grid h3{font-size:1.45rem;margin:.7rem 0}.service-grid p{font-size:1.04rem;color:var(--muted)}.service-grid a{font-weight:700;color:var(--blue);font-size:1rem}
.guidance{background:var(--soft)}
.guidance-intro{display:grid;grid-template-columns:1.05fr .95fr;gap:4rem;align-items:end}.guidance-intro>.section-heading{margin:0}.guidance-intro>p{color:var(--muted);font-size:1.16rem;margin:0 0 1rem}
.records-image{margin-top:3rem}.records-image img{height:420px;object-position:center 56%}.records-image figcaption{max-width:780px}
.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin-top:3.2rem}.info-grid article{background:#fff;padding:2.2rem;border-radius:1rem;border:1px solid var(--line)}.info-number{display:block;color:var(--gold);font-weight:800;margin-bottom:1rem}.info-grid h3{font-size:1.55rem;margin-bottom:.8rem}.info-grid p{color:var(--muted);margin:0}
.planning-strip{display:grid;grid-template-columns:repeat(4,1fr);margin-top:1.2rem;background:var(--navy);color:#fff;border-radius:1rem;overflow:hidden}.planning-strip div{padding:1.6rem;border-right:1px solid rgba(255,255,255,.15)}.planning-strip div:last-child{border-right:0}.planning-strip strong,.planning-strip span{display:block}.planning-strip strong{font-family:"Playfair Display",serif;font-size:1.25rem;color:#fff}.planning-strip span{color:#dbe8f7;margin-top:.35rem;font-size:.96rem}
.credit-feature{background:var(--navy);color:#fff;display:grid;grid-template-columns:1.1fr .9fr;min-height:650px}
.credit-content{padding:7rem max(3rem,calc((100vw - 1180px)/2));padding-right:5rem;align-self:center}
.credit-content h2{color:#fff}.credit-content>p{max-width:650px;font-size:1.12rem;color:#d7e4f5}.credit-content ul{list-style:none;padding:0;margin:2rem 0}.credit-content li{padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.15)}.credit-content li:before{content:"✓";color:var(--gold);margin-right:.7rem}
.credit-visual{position:relative;padding:3.5rem 3.5rem 3.5rem 0;display:grid;place-items:center}.credit-visual>img{width:100%;height:590px;object-fit:cover;object-position:center;border-radius:1.3rem;box-shadow:0 30px 70px rgba(0,0,0,.28)}.credit-summary{position:absolute;left:-1.5rem;bottom:5.5rem;max-width:350px;background:#fff;color:var(--navy);padding:1.3rem 1.5rem;border-left:5px solid var(--gold);border-radius:.4rem;box-shadow:var(--shadow)}.credit-summary strong,.credit-summary span{display:block}.credit-summary strong{text-transform:uppercase;letter-spacing:.1em;font-size:.78rem;color:var(--blue)}.credit-summary span{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;margin-top:.35rem}
.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.benefits article{padding:2rem 1.6rem;border-top:4px solid var(--gold);background:var(--soft)}.benefits span{display:block;font-family:"Playfair Display";color:var(--navy);font-size:1.35rem;font-weight:700}.benefits p{color:var(--muted)}
.steps{background:#f8fbfd}.steps ol{list-style:none;padding:0;counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.steps li{counter-increment:step;padding:2rem;background:#fff;border:1px solid var(--line);border-radius:1rem;min-height:190px}.steps li:before{content:"0" counter(step);display:block;color:var(--gold);font-weight:700;margin-bottom:2rem}.steps strong{display:block;color:var(--navy);font-family:"Playfair Display";font-size:1.25rem}.steps span{display:block;color:var(--muted);margin-top:.5rem}.centered-signature{text-align:center;margin-top:3rem}
.national{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:4rem}.national p{color:var(--muted)}.national-photo{margin:0}.national-photo img{width:100%;height:430px;object-fit:cover;object-position:center;border-radius:1.4rem;box-shadow:var(--shadow)}
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:5rem;background:var(--soft)}
.faq-list details{border-bottom:1px solid #cbdbe7;padding:0}.faq-list summary{cursor:pointer;list-style:none;font-weight:700;color:var(--navy);font-size:1.18rem;padding:1.35rem 2.5rem 1.35rem 0;position:relative}.faq-list summary:after{content:"+";position:absolute;right:.3rem;color:var(--blue);font-size:1.5rem}.faq-list details[open] summary:after{content:"–"}.faq-list p{color:var(--muted);font-size:1.05rem;margin:0 0 1.4rem;max-width:720px}
.contact{background:linear-gradient(135deg,#071c45,#0b3978);color:#fff;display:grid;grid-template-columns:.8fr 1.2fr;gap:5rem}
.contact h2{color:#fff}.contact-intro>p{color:#d7e4f5}.contact-note{padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.15);font-size:.9rem}
.contact-options{background:#fff;color:var(--ink);padding:2.4rem;border-radius:1.3rem;box-shadow:0 28px 70px rgba(0,0,0,.25)}
.contact-prompt{margin:0 0 1.3rem;color:var(--muted);font-size:1.08rem}
.contact-option{display:flex;align-items:center;gap:1rem;padding:1.1rem;margin-top:.8rem;border:1px solid var(--line);border-radius:.9rem;text-decoration:none;transition:.2s transform,.2s border-color,.2s background}
.contact-option:hover{transform:translateY(-2px);border-color:var(--blue);background:var(--soft)}
.contact-icon{display:grid;place-items:center;width:54px;height:54px;flex:0 0 54px;border-radius:50%;background:var(--navy);color:#fff}
.contact-icon svg{width:29px;height:29px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.whatsapp-option .contact-icon{background:#188d55}.contact-option span:last-child{display:grid}.contact-option small{color:var(--muted);font-size:.9rem}.contact-option strong{color:var(--navy);font-size:1.15rem;overflow-wrap:anywhere}.contact-disclaimer{color:var(--muted);font-size:.88rem;margin:1.3rem 0 0}
form{background:#fff;color:var(--ink);padding:2.4rem;border-radius:1.3rem;box-shadow:0 28px 70px rgba(0,0,0,.25)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}label,legend{display:block;font-weight:700;color:var(--navy);font-size:1rem;margin-bottom:1rem}
input,textarea{width:100%;margin-top:.4rem;padding:.85rem;border:1px solid #bdceda;border-radius:.55rem;color:var(--ink);background:#fff}input:focus,textarea:focus{outline:3px solid rgba(56,188,237,.28);border-color:var(--blue)}
fieldset{border:0;padding:0;margin:0 0 .8rem}.choice{display:inline-flex;align-items:center;gap:.5rem;margin-right:1.2rem;color:var(--ink)}.choice input{width:auto;margin:0}
form small{display:block;color:var(--muted);font-size:.88rem;margin-top:1rem}.form-status{font-weight:700;color:#166534;margin:.8rem 0 0;min-height:1.5em}
.whatsapp-submit{gap:.65rem}.whatsapp-submit svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.backing{padding:2.2rem max(1.4rem,calc((100vw - 1180px)/2));display:flex;gap:2rem;align-items:center;border-bottom:1px solid var(--line)}.backing strong{white-space:nowrap;color:var(--navy)}.backing p{color:var(--muted);font-size:1rem;margin:0}
footer{padding:3rem max(1.4rem,calc((100vw - 1180px)/2));background:#fff;color:var(--muted)}.footer-brand{display:flex;align-items:center;gap:.85rem;color:var(--navy)}.footer-brand img{width:62px;height:62px;object-fit:contain}.footer-brand div{display:grid}.footer-brand span{font-size:.95rem}.footer-contact{display:flex;flex-wrap:wrap;gap:.55rem 1rem;margin-top:1rem}.footer-contact a{display:inline-flex;align-items:center;gap:.45rem;color:var(--muted);font-size:.9rem;text-decoration:none}.footer-contact a:hover{color:var(--navy)}.footer-contact svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.footer-contact .filled-dot{fill:currentColor;stroke:none}.legal{font-size:.9rem;max-width:900px;margin-top:2rem}
@media(max-width:980px){
 nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;padding:1rem 1.4rem 1.4rem;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}nav.open{display:flex}.menu-toggle{display:block}
 .hero{grid-template-columns:1fr;min-height:auto;padding:4rem 1.4rem}.hero-image{max-width:560px}.hero-card{right:.7rem}
 .priority-grid,.story,.credit-feature,.national,.faq,.contact,.guidance-intro,.services-lead{grid-template-columns:1fr}.story{gap:3rem}.story-image{margin:auto}.services-lead{gap:2rem}
 .service-grid{grid-template-columns:repeat(2,1fr)}.benefits,.steps ol,.planning-strip{grid-template-columns:1fr 1fr}.planning-strip div:nth-child(2){border-right:0}.planning-strip div{border-bottom:1px solid rgba(255,255,255,.15)}
 .credit-content{padding:5rem 1.4rem}.credit-visual{padding:0 1.4rem 4rem}.credit-visual>img{height:520px}.credit-summary{left:2.5rem;bottom:5.5rem}.national{gap:2rem}.faq,.contact{gap:2.5rem}
}
@media(max-width:620px){
 body{font-size:17px}.section{padding:5rem 1.15rem}.nav-wrap{padding:.65rem 1rem}.brand img{width:54px;height:54px}.brand-title strong{font-size:.9rem}.brand-tagline{display:none}
 h1{font-size:3.15rem}.hero{padding:3.5rem 1.15rem;gap:3rem}.hero-card{position:relative;right:auto;bottom:auto;margin:-1.5rem 1rem 0}.gold-frame{inset:-.8rem .8rem .8rem -.8rem}
 .priority-grid,.service-grid,.benefits,.steps ol,.field-row,.info-grid,.planning-strip{grid-template-columns:1fr}.priority-card{min-height:350px;padding:1.8rem}.priority-card h3{font-size:2.4rem}.planning-strip div{border-right:0}
 .service-grid{border-left:0}.service-grid article{border-left:1px solid var(--line);min-height:auto}
 .story{gap:2.5rem}.quote-chip{right:.5rem}.calculation-image img,.records-image img{height:300px}.editorial-image figcaption{font-size:.95rem}
 .credit-content{padding:4.5rem 1.15rem}.credit-visual{padding:0 1.15rem 3.5rem}.credit-visual>img{height:430px}.credit-summary{position:relative;left:auto;bottom:auto;margin:-2rem 2rem 0;width:auto}.national-photo img{height:330px}
 .backing{align-items:flex-start;flex-direction:column;gap:.4rem}
 form{padding:1.3rem}.contact{padding-left:1.15rem;padding-right:1.15rem}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}