:root{--bg:#f6f3ee;--navy:#0d2238;--panel:#12304d;--line-d:#2a3f57;--red:#c8102e;--sand:#ebe4d8;--line:#e2dacb;--ink:#1b2733;--muted:#3d4a57;--soft:#4a5663;--pale:#c3cdd8;--pink:#f0a3ad;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'IBM Plex Sans',system-ui,-apple-system,'Segoe UI',sans-serif;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}a:hover{color:var(--red)}
h1,h2,h3{margin:0;color:var(--navy);line-height:1.15}
h1,h2,.serif{font-family:'Source Serif 4',Georgia,serif}
h1{font-size:clamp(36px,5.2vw,56px);font-weight:700;line-height:1.08}
h2{font-size:clamp(28px,3.4vw,40px);font-weight:600}
h3{font-size:20px;font-weight:600;line-height:1.3}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.narrow{max-width:780px}
.sec{padding:88px 0}
.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.dark{background:var(--navy);color:#fff}
.dark h1,.dark h2,.dark h3{color:#fff}
.dark a{color:#fff}
.kicker{font-size:13px;letter-spacing:3px;text-transform:uppercase;font-weight:600;color:var(--red);margin:0 0 12px}
.dark .kicker{color:var(--pink)}
.lead{font-size:19px;color:var(--muted);max-width:620px}
.dark .lead,.dark p{color:#d3dbe4}
.stack>*+*{margin-top:18px}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:48px;align-items:center}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:24px}
.btn{display:inline-block;text-decoration:none;background:var(--red);color:#fff!important;padding:15px 24px;border-radius:6px;font-weight:600;font-size:16px;line-height:1.2;border:0;cursor:pointer;font-family:inherit}
.btn:hover{background:#a50d26}
.btn.navy{background:var(--navy)}.btn.navy:hover{background:#1b3a5c}
.btn.ghost{background:transparent;border:1.5px solid var(--navy);color:var(--navy)!important;padding:14px 22px}
.btn.ghost:hover{background:var(--navy);color:#fff!important}
.btns{display:flex;flex-wrap:wrap;gap:14px;padding-top:8px}
.ul{text-decoration:none;font-weight:600;border-bottom:2px solid var(--red);padding-bottom:2px}

/* header */
.hdr{background:var(--bg);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
.logo img{height:48px;width:auto}
.nav{display:flex;align-items:center;gap:22px;font-size:15px}
.nav a{text-decoration:none}
.nav a[aria-current=page]{color:var(--red)}
.lang{display:flex;gap:6px;font-size:14px;font-weight:600}
.lang a{color:#6b6253}.lang a.on{color:var(--navy)}
.lang span{color:#9a9081}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);border-radius:6px;padding:8px 12px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
@media (max-width:980px){
 .menu-btn{display:block}
 .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:16px 24px 24px;gap:14px;font-size:17px}
 .nav.open{display:flex}
}

/* hero */
.hero{padding:88px 0 72px}
.hero .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:56px;align-items:center}
.hero-photo{position:relative;border-radius:12px;overflow:hidden;min-height:460px;background:var(--sand);display:flex;align-items:flex-end;padding:24px}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.card-name{position:relative;background:#fff;border-radius:8px;padding:16px 20px;max-width:300px;box-shadow:0 8px 24px rgba(13,34,56,.18);display:flex;flex-direction:column;font-size:14px;color:#5a6672}
.card-name b{color:var(--navy);font-size:16px}
.page-hero{padding:72px 0 56px;border-bottom:1px solid var(--line)}
.crumbs{font-size:14px;color:#6b6253;margin-bottom:18px}
.crumbs a{color:#6b6253}

/* tax block */
.calc{background:var(--panel);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:10px;font-size:16px;margin-top:20px}
.calc div{display:flex;justify-content:space-between;gap:12px}
.calc span:first-child{color:var(--pale)}
.calc .tot{border-top:1px solid var(--line-d);padding-top:10px}
.calc .tot span:first-child{color:#fff;font-weight:600}
.calc .tot span:last-child{font-family:'Source Serif 4',serif;font-size:26px;font-weight:700}
.calc small{font-size:13px;color:#9fb0c2;line-height:1.5}
.tiles{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:var(--line-d);border-radius:12px;overflow:hidden}
.tiles div{background:var(--panel);padding:28px;display:flex;flex-direction:column;gap:4px}
.tiles b{font-family:'Source Serif 4',serif;font-size:40px;line-height:1.1}
.tiles span{font-size:15px;color:var(--pale)}

/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:36px;display:flex;flex-direction:column;gap:16px}
.card.navy{background:var(--navy);border-color:var(--navy);color:#fff}
.card.navy h2,.card.navy h3{color:#fff}.card.navy p{color:#d3dbe4}.card.navy .kicker{color:var(--pink)}.card.navy a{color:#fff}
.card .kicker{margin:0}
.card h2{font-size:30px}
.card .ul{align-self:flex-start}

/* services list */
.svc{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));border-top:1px solid var(--line);margin-top:40px}
.svc>div{padding:28px 28px 28px 0;border-bottom:1px solid var(--line)}
.svc h3{margin-bottom:8px}.svc p{font-size:16px;color:var(--soft)}
.svc .hl h3{color:var(--red)}
.svc-detail{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:40px;padding:44px 0;border-bottom:1px solid var(--line)}
.svc-detail:first-child{border-top:1px solid var(--line)}
@media (max-width:760px){.svc-detail{grid-template-columns:1fr;gap:16px}}
.svc-detail h2{font-size:28px}
.svc-detail .num{font-family:'Source Serif 4',serif;color:var(--red);font-weight:700;font-size:15px;letter-spacing:2px;display:block;margin-bottom:8px}
.ticks{list-style:none;padding:0;margin:18px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));gap:8px 24px;font-size:16px}
.ticks li{padding-left:22px;position:relative}
.ticks li:before{content:"";position:absolute;left:0;top:10px;width:10px;height:2px;background:var(--red)}

/* steps */
.step .n{font-family:'Source Serif 4',serif;font-size:48px;font-weight:700;color:var(--red);line-height:1}
.step h3{margin:12px 0 8px}.step p{font-size:16px;color:var(--soft)}
.olist{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:1px;background:var(--line-d);border-radius:12px;overflow:hidden}
.olist li{background:var(--panel);padding:22px 26px;display:flex;gap:18px;font-size:16px;line-height:1.5}
.olist .n{font-family:'Source Serif 4',serif;font-size:24px;font-weight:700;color:var(--pink);min-width:20px}
.olist small{color:var(--pale);font-size:15px;display:block;margin-top:2px}
.timeline{margin:40px 0 0;padding:0;list-style:none;border-left:2px solid var(--line);}
.timeline li{position:relative;padding:0 0 40px 36px}
.timeline li:before{content:attr(data-n);position:absolute;left:-17px;top:0;width:32px;height:32px;border-radius:50%;background:var(--red);color:#fff;font-weight:600;font-size:15px;display:flex;align-items:center;justify-content:center}
.timeline h3{margin-bottom:8px}
.timeline p{color:var(--soft)}

/* articles */
.post{text-decoration:none;border:1px solid var(--line);border-radius:10px;padding:28px;display:flex;flex-direction:column;gap:12px;background:#fbf9f5;height:100%}
.post:hover{border-color:var(--red)}
.post .tag{font-size:13px;color:var(--red);font-weight:600;letter-spacing:1px;text-transform:uppercase}
.post .t{font-size:20px;font-weight:600;color:var(--navy);line-height:1.35}
.post .x{font-size:15px;color:var(--soft)}
.post .more{margin-top:auto;font-weight:600;font-size:15px;color:var(--navy)}
.article{padding:64px 0 88px}
.article h1{font-size:clamp(32px,4.2vw,46px)}
.article .meta{color:#6b6253;font-size:15px;margin-top:16px}
.prose{margin-top:40px}
.prose>*+*{margin-top:20px}
.prose h2{font-size:28px;margin-top:44px}
.prose h3{margin-top:32px}
.prose ul,.prose ol{padding-left:22px}
.prose li+li{margin-top:8px}
.note{background:var(--sand);border-left:3px solid var(--red);padding:18px 22px;border-radius:0 8px 8px 0;font-size:16px}
.cta-box{background:var(--navy);color:#fff;border-radius:12px;padding:36px;margin-top:56px}
.cta-box h2{color:#fff;font-size:28px}.cta-box p{color:#d3dbe4;margin:12px 0 20px}

/* about */
.about-photo{width:100%;height:auto;max-width:460px;aspect-ratio:1/1;object-fit:cover;object-position:50% 15%;border-radius:12px;justify-self:center}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden;margin-top:40px}
.facts div{background:#fff;padding:24px}
.facts b{display:block;font-family:'Source Serif 4',serif;font-size:32px;color:var(--navy);line-height:1.2}
.facts span{font-size:15px;color:var(--soft)}
.values h3{margin-bottom:8px}.values p{font-size:16px;color:var(--soft)}

/* form */
.form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;display:flex;flex-direction:column;gap:18px}
.form .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:18px}
.form label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:var(--navy)}
.form input,.form textarea,.form select{font:inherit;font-size:16px;font-weight:400;padding:12px 14px;border:1px solid #c9bfae;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.form input:focus,.form textarea:focus,.form select:focus{outline:2px solid var(--navy);outline-offset:1px}
.form textarea{resize:vertical;min-height:120px}
.form .hp{position:absolute;left:-9999px}
.form .consent{font-size:13px;font-weight:400;color:#5a6672}
.form .msg{font-size:15px;font-weight:600;display:none}
.form .msg.ok{display:block;color:#1d6b3a}.form .msg.err{display:block;color:var(--red)}
.contact-list{display:flex;flex-direction:column;gap:8px;padding-top:8px}
.contact-list a{font-weight:600}
.checks{list-style:none;padding:0;margin:24px 0 0;display:flex;flex-direction:column;gap:10px}
.checks li{padding-left:26px;position:relative}
.checks li:before{content:"";position:absolute;left:2px;top:8px;width:12px;height:7px;border-left:2px solid var(--red);border-bottom:2px solid var(--red);transform:rotate(-45deg)}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:20px 0}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--red);font-size:24px;line-height:1}
.faq details[open] summary:after{content:"\2212"}
.faq details p{margin-top:12px;color:var(--soft)}

/* footer */
.ftr{background:var(--navy);color:var(--pale);font-size:15px}
.ftr .wrap{padding-top:56px;padding-bottom:32px}
.ftr-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:32px}
.ftr h4{color:#fff;margin:0 0 12px;font-size:14px;letter-spacing:2px;text-transform:uppercase}
.ftr a{color:var(--pale);text-decoration:none}.ftr a:hover{color:#fff}
.ftr ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}
.ftr .bottom{border-top:1px solid var(--line-d);margin-top:40px;padding-top:20px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:14px}
.ftr .brand{font-family:'Source Serif 4',serif;color:#fff;font-size:22px;font-weight:600;margin-bottom:10px}
.err404{padding:120px 0;text-align:center}
.err404 .big{font-family:'Source Serif 4',serif;font-size:120px;font-weight:700;color:var(--red);line-height:1}
@media (max-width:600px){.sec{padding:64px 0}.hero{padding:48px 0}.hero-photo{min-height:380px}.card{padding:28px}.tiles b{font-size:32px}.tiles div{padding:20px}}
@media (max-width:760px){.stack[style*="sticky"]{position:static!important}}

.wa-float{position:fixed;right:20px;bottom:20px;z-index:1000;display:inline-flex;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;background:#1f8f4e;color:#fff;font-weight:600;font-size:15px;line-height:1;text-decoration:none;box-shadow:0 6px 20px rgba(13,34,56,.25)}
.wa-float:hover,.wa-float:focus-visible{background:#18763f;color:#fff}
.wa-float svg{flex:none}
@media (max-width:600px){.wa-float{right:16px;bottom:16px;padding:14px}.wa-float span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}}
@media print{.wa-float{display:none}}

#fa-consent{position:fixed;left:16px;bottom:16px;z-index:1100;width:calc(100% - 32px);max-width:520px;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:12px;box-shadow:0 10px 30px rgba(13,34,56,.22);padding:20px 22px;font-size:15px;line-height:1.5}
#fa-consent[hidden]{display:none}
#fa-consent strong{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:19px;color:var(--navy);margin-bottom:6px}
#fa-consent .fc-prefs{margin-top:12px;display:grid;gap:6px}
#fa-consent .fc-prefs[hidden],#fa-consent button[hidden]{display:none}
#fa-consent label{display:flex;gap:8px;align-items:center}
#fa-consent .fc-btns{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
#fa-consent button{font:inherit;font-size:15px;font-weight:600;border-radius:999px;padding:9px 18px;cursor:pointer;border:1px solid var(--navy);background:#fff;color:var(--navy)}
#fa-consent button.fc-primary{background:var(--navy);color:#fff}
#fa-consent button:hover{border-color:var(--red)}
.fc-open .wa-float{display:none}
.fc-reopen{background:none;border:0;padding:0;color:inherit;font:inherit;font-size:14px;text-decoration:underline;cursor:pointer}
@media print{#fa-consent{display:none}}