:root{
--navy:#061321;--navy2:#0b2033;--gold:#c9a45b;--gold2:#e1bd73;--cream:#f7f4ed;
--ink:#172431;--muted:#667481;--line:#e5e9ec;--white:#fff;--shadow:0 18px 55px rgba(5,18,30,.10)
}
*{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(--ink);background:#fff;line-height:1.65}a{color:inherit}
.wrap{width:min(1160px,92%);margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(6,19,33,.97);border-bottom:1px solid rgba(255,255,255,.09);backdrop-filter:blur(12px)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none;font-weight:800;font-size:1.06rem;letter-spacing:.2px;line-height:1.05}.brand b{color:var(--gold2)}.brand small{display:block;color:#aebbc5;font-size:.52rem;letter-spacing:.12em;text-transform:uppercase;margin-top:5px;font-weight:700}
.brand-mark{display:grid;place-items:center;width:39px;height:39px;border:1px solid var(--gold);border-radius:10px;color:var(--gold);font-weight:900;font-size:.8rem;letter-spacing:-2px}
nav{display:flex;align-items:center;gap:24px}nav a{color:#f7f9fb;text-decoration:none;font-size:.92rem;font-weight:650;opacity:.9}nav a:hover{color:var(--gold2)}.nav-cta{background:var(--gold);color:#101820!important;padding:12px 18px;border-radius:7px;font-weight:850;opacity:1!important}.lang{background:transparent;border:1px solid rgba(255,255,255,.22);border-radius:7px;color:#fff;padding:9px 10px;cursor:pointer}.lang strong{color:var(--gold2)}.lang span{opacity:.55;margin-left:5px}.menu-btn{display:none;background:none;border:0;color:#fff;font-size:25px}
.hero{min-height:720px;position:relative;display:flex;align-items:center;background:url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1900&q=88") center/cover}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,16,28,.98) 0%,rgba(4,16,28,.91) 40%,rgba(4,16,28,.55) 65%,rgba(4,16,28,.15) 100%)}.hero-grid{position:relative;z-index:1}.hero-copy{max-width:680px;color:#fff;padding:100px 0}.eyebrow{text-transform:uppercase;letter-spacing:.2em;font-size:.75rem;font-weight:850;color:var(--gold2);margin-bottom:17px}.eyebrow.dark{color:#9b772d}
h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(3.2rem,6.4vw,6rem);line-height:.99;letter-spacing:-.045em;margin-bottom:26px}h1 em{font-style:normal;color:var(--gold2)}h2{font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(2.15rem,4vw,3.5rem);line-height:1.08;letter-spacing:-.025em;margin-bottom:17px}h3{font-size:1.18rem;line-height:1.25;margin-bottom:8px}.lead{font-size:1.16rem;line-height:1.75;color:rgba(255,255,255,.84);max-width:640px;margin-bottom:30px}.muted{color:var(--muted)}.light-muted{color:#b8c6d0;font-size:1.05rem}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:#111a20;text-decoration:none;font-weight:850;padding:14px 21px;border-radius:7px;border:1px solid var(--gold);transition:.2s}.btn:hover{transform:translateY(-2px);background:var(--gold2)}.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}.btn-ghost:hover{background:rgba(255,255,255,.08)}
.hero-points{display:flex;gap:24px;margin-top:32px;color:#d7e0e6;font-size:.85rem;flex-wrap:wrap}.hero-points span{display:flex;gap:7px}.hero-points span:first-letter{color:var(--gold)}
.trust-strip{background:#fff;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-grid>div{padding:25px 20px;display:flex;gap:13px;align-items:center;border-right:1px solid var(--line)}.trust-grid>div:last-child{border-right:0}.trust-icon{color:#9a762c;font-size:1.55rem}.trust-grid b{display:block;font-size:.9rem}.trust-grid small{display:block;color:var(--muted);font-size:.75rem;margin-top:2px}
.section{padding:96px 0}.section-head{max-width:760px;margin-bottom:42px}.section-head.center{text-align:center;margin-left:auto;margin-right:auto}.section-head p{font-size:1.04rem}
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.service-card{text-decoration:none;border:1px solid var(--line);border-radius:15px;overflow:hidden;background:#fff;box-shadow:0 8px 30px rgba(5,18,30,.05);transition:.22s}.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#d6c69f}.service-photo{height:190px;background-size:cover;background-position:center}.service-photo.life{background-image:url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=900&q=85")}.service-photo.retirement{background-image:url("https://images.unsplash.com/photo-1500534623283-312aade485b7?auto=format&fit=crop&w=900&q=85")}.service-photo.benefits{background-image:url("https://images.unsplash.com/photo-1576091160399-112ba8d25d1d?auto=format&fit=crop&w=900&q=85")}.service-photo.wealth{background-image:url("https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?auto=format&fit=crop&w=900&q=85")}.service-body{padding:23px}.num{font-size:.7rem;font-weight:900;letter-spacing:.12em;color:#a27d30}.service-body h3{margin-top:8px}.service-body p{font-size:.9rem;color:var(--muted);line-height:1.55;margin-bottom:17px}.learn{font-size:.82rem;color:#9a762c;font-weight:850}
.dark-section{background:var(--navy);color:#fff}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.check-list{display:grid;gap:14px;margin-top:28px;color:#d9e3e9;font-weight:650}.check-list div{display:flex;gap:11px}.check-list div:first-letter{color:var(--gold2)}.feature-photo{min-height:520px;border-radius:18px;background-size:cover;background-position:center}.feature-photo.advisor{background-image:url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1200&q=88")}
.process{max-width:1000px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.steps>div{border-top:2px solid #d6bf88;padding-top:20px}.steps span{color:#a07a2e;font-weight:900;font-size:.8rem;letter-spacing:.12em}.steps p{color:var(--muted);font-size:.92rem}
.cta-section{padding:65px 0;background:linear-gradient(100deg,#0b2033,#071522);color:#fff}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}.cta-inner h2{margin-bottom:7px}.cta-inner p{color:#b8c6d0}.cta-inner .btn{white-space:nowrap}
footer{background:#040c13;color:#cbd7df;padding:58px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer-grid>div{display:flex;flex-direction:column;gap:10px}.footer-brand{margin-bottom:8px}.footer-grid strong{color:#fff}.footer-grid a{text-decoration:none;color:#b9c7d0}.footer-grid a:hover{color:var(--gold2)}.small{font-size:.8rem;color:#8798a5;max-width:480px}.disclaimer{border-top:1px solid rgba(255,255,255,.09);margin-top:35px;padding-top:20px;font-size:.7rem;color:#71818d;max-width:none}
.page-hero{padding:95px 0;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}.page-hero h1{font-size:clamp(2.7rem,5vw,4.7rem)}.page-hero .lead{margin-bottom:0}
.faq{display:grid;gap:13px;max-width:900px}details{border:1px solid var(--line);border-radius:12px;padding:20px 22px;background:#fff}summary{cursor:pointer;font-weight:800}details p{padding-top:12px;color:var(--muted)}
.form-card{max-width:650px}.form-card form{display:grid;gap:14px}input,textarea{width:100%;padding:14px 15px;border:1px solid #ccd5dc;border-radius:8px;font:inherit}textarea{min-height:150px;resize:vertical}.form-card label{font-size:.8rem;font-weight:800}.contact-photo{min-height:500px;border-radius:18px;background:url("https://images.unsplash.com/photo-1521791055366-0d553872125f?auto=format&fit=crop&w=1200&q=88") center/cover}
@media(max-width:950px){nav{gap:14px}.service-grid{grid-template-columns:repeat(2,1fr)}.trust-grid{grid-template-columns:repeat(2,1fr)}.trust-grid>div:nth-child(2){border-right:0}.trust-grid>div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media(max-width:760px){.menu-btn{display:block}.nav>nav{display:none;position:absolute;left:4%;right:4%;top:76px;background:var(--navy);padding:20px;border:1px solid rgba(255,255,255,.1);border-radius:0 0 12px 12px;flex-direction:column;align-items:stretch}.nav>nav.open{display:flex}.nav>nav a,.lang{text-align:center}.hero{min-height:690px}.hero-copy{padding:80px 0}.split{grid-template-columns:1fr;gap:35px}.feature-photo,.contact-photo{min-height:360px}.steps{grid-template-columns:1fr}.cta-inner{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr}.trust-grid>div{border-right:0;border-bottom:1px solid var(--line)!important}.trust-grid>div:last-child{border-bottom:0!important}}
@media(max-width:560px){.service-grid{grid-template-columns:1fr}.hero-actions{flex-direction:column;align-items:stretch}.btn{width:100%}.hero-points{gap:12px;flex-direction:column}h1{font-size:3.2rem}.section{padding:70px 0}}