:root{--navy:#071a36;--blue:#113b73;--gold:#cba15d;--soft:#f4f7fb;--text:#132b47;--shadow:0 18px 45px rgba(7,26,54,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;background:var(--soft);color:var(--text)}
.container{width:min(1160px,92%);margin:0 auto}.topbar{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid #e7edf5}.topbar-wrap{display:flex;align-items:center;justify-content:space-between;padding:.85rem 0;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none}.brand img{height:42px;width:auto}.brand-name{font-weight:700;color:var(--navy)}nav a,.lang a{text-decoration:none;color:#24415f;font-weight:600;margin:.2rem .4rem}.lang .active{color:var(--gold)}
.hero{padding:3.5rem 0 1.8rem;background:linear-gradient(135deg,var(--navy),var(--blue))}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:1.4rem;align-items:stretch}.badge{display:inline-block;background:rgba(203,161,93,.2);color:#f9deaf;font-size:.78rem;border:1px solid rgba(249,222,175,.45);padding:.28rem .62rem;border-radius:999px}
h1{color:#fff;font-size:clamp(1.9rem,4.1vw,3rem);margin:.7rem 0}.hero-sub{color:#d8e6f5;max-width:60ch}.benefits-inline{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.65rem;margin:1rem 0}.benefit{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:.65rem;color:#f0f7ff;font-size:.92rem}
.btns{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1rem}.btn{text-decoration:none;padding:.8rem 1.15rem;border-radius:12px;font-weight:700;display:inline-flex;align-items:center;justify-content:center}.btn-primary{background:var(--gold);color:#1d2430}.btn-secondary{border:1px solid #dbe8f8;color:#fff}.btn-secondary.dark{color:#163152;border-color:#163152}.btn-sm{padding:.6rem .95rem;font-size:.9rem;margin-top:.45rem}.subtext{color:#d8e6f5;font-size:.85rem;margin-top:.5rem}
.hero-visual{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);min-height:360px}.hero-visual img{width:100%;height:100%;object-fit:cover;display:block}
.section{padding:3.2rem 0}.form-card,.trust,.card{background:#fff;border-radius:18px;box-shadow:var(--shadow);padding:1.3rem}.trust{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;align-items:center}.trust-item{display:flex;gap:.7rem;align-items:center}.trust-item img{height:42px;width:auto}
.navy{background:var(--navy)}.navy h2{color:#fff}.navy p,.navy h3{color:#fff}.navy .card{background:#fff;color:#132b47}.navy .card h3{color:#071a36}.navy .card p{color:#24415f}.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}.grid4 .card{padding:1.25rem;min-height:150px}.grid5{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:.8rem}.step,.card{border-radius:14px}.step{background:#fff;padding:1rem;text-align:center;font-weight:700;color:#163152}.docs{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:.8rem}
.dossier-card{text-align:center;border:1px solid #d7e1ee}.dossier-card h2{color:var(--navy);margin-top:.2rem}.dossier-card p{max-width:72ch;margin:0 auto}.dossier-actions{justify-content:center}.cta-card{text-align:center}footer{background:#081528;color:#dbe8f8;padding:2rem 0;margin-top:2.4rem}
@media(max-width:980px){.hero-grid,.grid4,.grid5,.docs,.trust{grid-template-columns:1fr 1fr}.benefits-inline{grid-template-columns:1fr}}
@media(max-width:680px){nav{display:none}.hero-grid,.grid4,.grid5,.docs,.trust{grid-template-columns:1fr}}