:root{
  --navy:#14375a;
  --navy2:#0f2944;
  --gold:#b79a63;
  --bg:#f6f8fb;
  --text:#1f2937;
  --muted:#667085;
  --line:#dfe5ec;
  --white:#fff;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family:"Malgun Gothic","Apple SD Gothic Neo",Arial,sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.7;
}
a{text-decoration:none;color:inherit}
.container{width:min(1120px,92%);margin:auto}
header{
  position:sticky;top:0;z-index:20;
  background:rgba(255,255,255,.97);
  border-bottom:1px solid var(--line);
}
.topbar{
  display:flex;align-items:center;justify-content:space-between;
  min-height:82px;gap:24px;
}
.brand{
  font-size:28px;font-weight:800;color:var(--navy);
  letter-spacing:-1px;white-space:nowrap;
}
nav{display:flex;gap:22px;flex-wrap:wrap;justify-content:flex-end}
nav a{
  font-size:16px;font-weight:700;color:#344054;
  padding:8px 2px;border-bottom:2px solid transparent;
}
nav a:hover, nav a.active{color:var(--navy);border-bottom-color:var(--gold)}
.hero{
  background:linear-gradient(135deg,#eef4fa,#ffffff 55%,#f6f0e6);
  padding:84px 0 70px;
}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.eyebrow{font-weight:800;color:var(--gold);margin-bottom:10px}
h1{font-size:48px;line-height:1.2;margin:0 0 18px;letter-spacing:-2px;color:var(--navy2)}
h2{font-size:34px;line-height:1.25;margin:0 0 22px;letter-spacing:-1px;color:var(--navy2)}
h3{font-size:21px;margin:0 0 10px;color:var(--navy2)}
.lead{font-size:19px;color:#475467;max-width:760px}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{
  display:inline-block;padding:13px 22px;border-radius:10px;font-weight:800;
  border:1px solid var(--navy)
}
.btn.primary{background:var(--navy);color:white}
.btn.secondary{background:white;color:var(--navy)}
.hero-card{
  background:white;border:1px solid var(--line);border-radius:18px;
  box-shadow:0 12px 30px rgba(15,41,68,.09);padding:28px;
}
.hero-card ul{margin:0;padding-left:20px}
section{padding:66px 0}
.alt{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{
  background:white;border:1px solid var(--line);border-radius:16px;padding:24px;
  box-shadow:0 7px 18px rgba(31,41,55,.04)
}
.card p{margin:0;color:#5c6675}
.step-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{background:white;border:1px solid var(--line);border-radius:14px;padding:22px}
.num{font-size:14px;font-weight:900;color:var(--gold)}
.page-hero{padding:58px 0;background:#f5f7fa;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:40px}
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.info-box{background:#fbfcfe;border:1px solid var(--line);border-radius:14px;padding:24px}
.checklist{padding-left:22px}
.cta{
  background:var(--navy2);color:#fff;border-radius:18px;padding:34px;
  display:flex;justify-content:space-between;gap:24px;align-items:center
}
.cta h2{color:white;margin-bottom:8px}
.cta p{margin:0;color:#dce5ef}
form{max-width:820px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{font-weight:800;font-size:15px}
input,select,textarea{
  width:100%;margin-top:7px;border:1px solid #cfd7e3;border-radius:10px;
  padding:13px;font-size:16px;font-family:inherit;background:white
}
textarea{min-height:150px;resize:vertical}
.full{grid-column:1/-1}
.notice{font-size:14px;color:var(--muted)}
footer{background:#0d2237;color:#dfe8f0;padding:34px 0;margin-top:30px}
footer .small{font-size:14px;color:#b9c7d3}
.profile-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.profile-card{
  background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;
  box-shadow:0 7px 18px rgba(31,41,55,.04)
}
.profile-list{list-style:none;margin:0;padding:0}
.profile-list li{padding:11px 0;border-bottom:1px solid #edf1f5}
.profile-list li:last-child{border-bottom:0}
.profile-list strong{display:inline-block;min-width:130px;color:var(--navy2)}
.consult-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:30px;align-items:start}
.consult-guide{background:#f4f7fb;border:1px solid var(--line);border-radius:14px;padding:24px}
.consult-guide h2{font-size:25px;margin-bottom:12px}
.consult-guide p{margin-top:0;color:#475467}
.consult-guide ul{list-style:none;margin:18px 0 0;padding:0}
.consult-guide li{padding:10px 0;border-bottom:1px solid #dfe5ec}
.consult-guide li:last-child{border-bottom:0}
.consult-guide strong{display:block;color:var(--navy2)}
.privacy-note{margin:14px 0 0;font-size:14px;color:var(--muted);line-height:1.7}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px}
.footer-title{display:block;margin-bottom:8px;font-size:20px;color:#fff}
.footer-contact{list-style:none;margin:0;padding:0}
.footer-contact li{margin-bottom:5px;font-size:14px;color:#dfe8f0}
.footer-contact a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.footer-links{display:flex;gap:16px;flex-wrap:wrap;margin-top:16px}
.footer-links a{font-size:14px;color:#fff}
.footer-copy{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.18)}
[hidden]{display:none!important}
@media(max-width:860px){
  .topbar{align-items:flex-start;flex-direction:column;padding:18px 0}
  nav{justify-content:flex-start;gap:14px}
  .hero-grid,.content-grid,.profile-grid,.consult-layout,.footer-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .step-row{grid-template-columns:1fr 1fr}
  h1{font-size:38px}
}
@media(max-width:560px){
  .brand{font-size:23px}
  nav a{font-size:14px}
  h1{font-size:32px}
  h2{font-size:28px}
  .form-grid,.step-row{grid-template-columns:1fr}
  .cta{flex-direction:column;align-items:flex-start}
}