*{box-sizing:border-box;margin:0;padding:0}
:root{--ink:#14162C;--muted:#5B5F7A;--y:#FFC233;--cream:#F7F3EC;--line:#EFE7D8}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,sans-serif;background:var(--cream);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:inherit;text-decoration:none}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}

/* nav */
.nav{position:sticky;top:0;z-index:10;background:rgba(247,243,236,.85);backdrop-filter:blur(12px);border-bottom:1px solid rgba(20,22,44,.06)}
.nav-in{display:flex;align-items:center;gap:24px;height:68px}
.logo{font-weight:800;font-size:19px;display:flex;align-items:center;gap:10px}
.logo-mark{width:38px;height:38px;border-radius:12px;background:var(--ink);display:grid;place-items:center;font-size:22px}
.links{display:flex;gap:26px;margin-left:auto;font-weight:600;font-size:15px;color:var(--muted)}
.links a:hover{color:var(--ink)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:800;font-size:16px;padding:15px 24px;border-radius:16px;transition:transform .15s,box-shadow .15s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-sm{font-size:14px;padding:11px 18px;border-radius:13px}
.btn-y{background:var(--y);color:var(--ink);box-shadow:0 8px 22px rgba(255,194,51,.35)}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.2)}
.btn-soft{background:#F4F1EC;color:var(--ink)}

/* hero */
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:20px;padding-top:28px}
.hero-card{border-radius:32px;position:relative;overflow:hidden;min-height:560px}
.dark{background:radial-gradient(120% 90% at 100% 0%,#2E3470 0%,#171A33 50%,#0E1022 100%);color:#fff;box-shadow:0 20px 50px rgba(14,16,34,.25)}
.stars{position:absolute;inset:0;background-image:radial-gradient(2px 2px at 20% 30%,#fff8,transparent),radial-gradient(1.5px 1.5px at 70% 60%,#fff6,transparent),radial-gradient(2px 2px at 85% 20%,#fff5,transparent),radial-gradient(1.5px 1.5px at 40% 85%,#fff6,transparent),radial-gradient(1.5px 1.5px at 92% 75%,#fff5,transparent)}
.hero-in{position:relative;padding:clamp(28px,5vw,60px);display:flex;flex-direction:column;justify-content:center;height:100%}
.pill{display:inline-flex;align-self:flex-start;align-items:center;gap:8px;background:rgba(255,194,51,.14);color:var(--y);border:1px solid rgba(255,194,51,.35);padding:8px 14px;border-radius:99px;font-weight:700;font-size:14px;margin-bottom:22px}
.dot{width:8px;height:8px;border-radius:50%;background:#3DDC84;box-shadow:0 0 0 4px rgba(61,220,132,.2)}
h1{font-weight:800;font-size:clamp(36px,5vw,62px);line-height:1.04;letter-spacing:-.025em}
.y{color:var(--y)}
.lead{margin-top:18px;font-size:clamp(16px,1.6vw,19px);color:#C9CCE3;max-width:520px}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.stats{display:flex;gap:30px;flex-wrap:wrap;margin-top:36px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1)}
.stats b{display:block;font-size:22px}
.stats span{font-size:13px;color:#9EA2C4}

.yellow{background:linear-gradient(160deg,#FFD866,#FFB800);box-shadow:0 20px 50px rgba(224,161,0,.25)}
.glow{position:absolute;width:80%;aspect-ratio:1;border-radius:50%;left:50%;top:52%;transform:translate(-50%,-50%);background:radial-gradient(circle,#FFF6D6 0%,rgba(255,246,214,.55) 45%,rgba(255,246,214,0) 70%)}
.ring{position:absolute;width:62%;aspect-ratio:1;border-radius:50%;left:50%;top:52%;transform:translate(-50%,-50%);border:2px dashed rgba(20,22,44,.15)}
.owl{position:absolute;left:50%;top:54%;transform:translate(-50%,-50%);font-size:150px;filter:drop-shadow(0 20px 24px rgba(120,70,0,.35));animation:f 4s ease-in-out infinite}
@keyframes f{50%{transform:translate(-50%,-57%)}}
.chip{position:absolute;background:#fff;border-radius:18px;padding:10px 14px;display:flex;align-items:center;gap:10px;box-shadow:0 12px 26px rgba(20,22,44,.14);font-size:14px;font-weight:700;white-space:nowrap}
.chip i{font-style:normal;width:36px;height:36px;border-radius:12px;display:grid;place-items:center;font-size:18px}
.chip small{display:block;font-weight:600;color:#7A7E98;font-size:12px}
.c1{left:7%;top:9%}.c1 i{background:#FFF1C7}
.c2{right:6%;top:42%}.c2 i{background:#DDF7E8}
.c3{left:9%;bottom:9%}.c3 i{background:#E9E6FF}

/* sections */
.section{padding-top:80px}
.eyebrow{text-align:center;color:#E0A100;font-weight:800;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
h2{text-align:center;font-weight:800;font-size:clamp(28px,3.6vw,42px);letter-spacing:-.02em;margin:8px 0 34px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:0 10px 30px rgba(20,22,44,.06);position:relative;overflow:hidden}
.card h3{font-size:20px;font-weight:800;margin-bottom:8px;position:relative}
.card p{font-size:15px;color:var(--muted);position:relative}
.step{padding:28px}
.num{position:absolute;right:20px;top:4px;font-size:76px;font-weight:800;color:#F5EFE3}
.icon{width:56px;height:56px;border-radius:18px;display:grid;place-items:center;font-size:28px;margin-bottom:20px;position:relative}
.rest .cover{height:190px;position:relative;display:flex;align-items:flex-end;padding:18px 22px}
.rest .emoji{position:absolute;right:22px;top:16px;font-size:76px;filter:drop-shadow(0 8px 14px rgba(0,0,0,.3))}
.tag{background:rgba(255,255,255,.2);color:#fff;padding:6px 12px;border-radius:99px;font-size:12px;font-weight:700}
.rest .body{padding:22px}
.rest h3{font-size:23px}
.line{margin-bottom:4px}
.row{display:flex;gap:10px;margin-top:16px}
.row .btn{flex:1}
.info{padding:28px}
.ico{font-size:30px;margin-bottom:12px}
.info.dark{border:none;color:#fff}
.info.dark a{display:block;color:var(--y);font-weight:700;font-size:15px;margin-top:8px}

/* footer */
.foot{margin-top:80px;border-top:1px solid rgba(20,22,44,.08)}
.foot-in{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:26px 20px;font-size:14px;color:var(--muted)}
.foot a:hover{color:var(--ink)}

/* policy page */
.doc{max-width:820px;margin:40px auto 0;background:#fff;border:1px solid var(--line);border-radius:28px;padding:clamp(24px,5vw,56px);box-shadow:0 10px 30px rgba(20,22,44,.06)}
.doc h1{font-size:clamp(28px,4vw,40px);margin-bottom:18px}
.doc h3{font-size:19px;font-weight:800;margin:30px 0 10px}
.doc p,.doc li{color:#3E4260;font-size:16px;margin-bottom:10px}
.doc ul{padding-left:22px}
.doc .contacts{margin-top:30px;padding:22px;border-radius:18px;background:#FFF1C7}
.doc .contacts a{font-weight:700}
.back{display:inline-block;margin-top:24px;font-weight:700;color:var(--muted)}

@media(max-width:900px){
  .hero{grid-template-columns:1fr}
  .hero-card{min-height:auto}
  .yellow{min-height:380px}
  .grid3{grid-template-columns:1fr}
  .links{display:none}
  .nav-in .btn{margin-left:auto}
}
@media(max-width:640px){
  .grid2{grid-template-columns:1fr}
  .owl{font-size:110px}
  .chip{font-size:12px;padding:8px 11px}
  .chip i{width:30px;height:30px}
  .stats{gap:20px}
  .section{padding-top:60px}
}