:root{--navy: #0d1b35;--navy-mid: #162444;--navy-light: #1e3059;--gold: #d4a843;--gold-light: #f0c96a;--gold-soft: #faf3dd;--teal: #d4a843;--white: #ffffff;--off-white: #fbfaf7;--gray-100: #f5f3ee;--gray-200: #e8e5dc;--gray-500: #8a8780;--gray-700: #4a4843;--green: #22c55e;--red: #ef4444;--radius: 12px;--radius-lg: 20px;--shadow: 0 4px 24px rgba(13,27,53,.08);--shadow-lg: 0 12px 48px rgba(13,27,53,.14)}*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:DM Sans,system-ui,sans-serif;background:var(--white);color:var(--navy);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}a{text-decoration:none;color:inherit}img{display:block;max-width:100%}.container{max-width:1100px;margin:0 auto;padding:0 24px}.section{padding:80px 24px}.form-label{display:block;font-size:13px;font-weight:500;color:var(--gray-700);margin-bottom:6px}.form-input{width:100%;padding:13px 16px;border:1.5px solid var(--gray-200);border-radius:10px;font-family:inherit;font-size:15px;color:var(--navy);background:var(--white);outline:none;transition:border-color .2s,box-shadow .2s}.form-input:focus{border-color:var(--navy);box-shadow:0 0 0 3px #0d1b3514}.form-input.valid{border-color:var(--green)}.form-input.error{border-color:var(--red)}.form-input::placeholder{color:var(--gray-200);letter-spacing:2px}.form-select{width:100%;padding:13px 16px;border:1.5px solid var(--gray-200);border-radius:10px;font-family:inherit;font-size:15px;color:var(--navy);background:var(--white);outline:none;cursor:pointer}.form-select:focus{border-color:var(--navy)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field-group{margin-bottom:16px}.field-hint{font-size:11px;color:var(--red);margin-top:4px;display:none}.field-hint.show{display:block}.input-wrap{position:relative}.card-badge{position:absolute;right:12px;top:50%;transform:translateY(-50%);height:24px;pointer-events:none;display:flex;align-items:center}.input-icon-left{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--gray-500);pointer-events:none;display:flex;align-items:center}.form-input.with-icon{padding-left:42px}.form-instruction{font-size:13px;font-weight:600;color:var(--navy);margin-bottom:20px;padding-bottom:16px;border-bottom:1.5px solid var(--gray-100)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;border:none;border-radius:10px;cursor:pointer;font-family:inherit;font-size:15px;font-weight:600;transition:background .2s,transform .1s}.btn:active{transform:scale(.99)}.btn:disabled{opacity:.6;cursor:not-allowed}.btn-primary{background:var(--gold);color:var(--navy);width:100%;font-weight:700}.btn-primary:hover{background:var(--gold-light)}.btn-teal{background:var(--gold);color:var(--navy);font-weight:700}.btn-teal:hover{background:var(--gold-light)}.result{border-radius:10px;padding:18px 20px;margin-top:16px;display:none}.result.show{display:block}.result.success{background:#f0fdf4;border:1.5px solid #86efac}.result.error{background:#fef2f2;border:1.5px solid #fca5a5}.result.warning{background:#fffbeb;border:1.5px solid #fcd34d}.section-tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);margin-bottom:12px}.section-title{font-family:"DM Serif Display",Georgia,serif;font-size:clamp(28px,4vw,40px);line-height:1.2;color:var(--navy);margin-bottom:16px}.section-sub{font-size:17px;color:var(--gray-500);max-width:520px}.faq-list{display:flex;flex-direction:column;gap:12px;max-width:760px;margin-top:40px}.faq-item{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);overflow:hidden}.faq-q{width:100%;padding:18px 20px;display:flex;align-items:center;justify-content:space-between;background:none;border:none;cursor:pointer;font-family:inherit;font-size:15px;font-weight:600;color:var(--navy);text-align:left}.faq-q svg{flex-shrink:0;transition:transform .3s;color:var(--gray-500)}.faq-item.open .faq-q svg{transform:rotate(180deg)}.faq-a{padding:0 20px;max-height:0;overflow:hidden;font-size:14px;color:var(--gray-500);line-height:1.7;transition:max-height .35s ease,padding .35s ease}.faq-item.open .faq-a{max-height:200px;padding:0 20px 18px}.card-tabs{display:flex;gap:4px;background:var(--gray-100);border-radius:10px;padding:4px;margin-bottom:28px}.tab-btn{flex:1;padding:9px;border:none;cursor:pointer;border-radius:7px;font-family:inherit;font-size:13px;font-weight:500;background:transparent;color:var(--gray-500);transition:all .2s}.cookie-banner{position:fixed;bottom:24px;left:50%;transform:translate(-50%);background:var(--navy);color:var(--white);border-radius:var(--radius);padding:16px 24px;display:flex;align-items:center;gap:20px;max-width:600px;width:calc(100% - 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