:root{
  --sd-navy:#0F2340;
  --sd-navy-mid:#1A3A5C;
  --sd-navy-light:#234870;
  --sd-gold:#C9A84C;
  --sd-gold-light:#E2C97A;
  --sd-gold-soft:rgba(201,168,76,.12);
  --sd-gold-border:rgba(201,168,76,.24);
  --sd-cream:#F5F1EA;
  --sd-cream-dark:#EDE8DF;
  --sd-white:#fff;
  --sd-text:#3D4F63;
  --sd-muted:#7B8794;
  --sd-border:rgba(15,35,64,.09);
  --sd-red:#dc2626;
  --sd-red-soft:rgba(220,38,38,.08);
  --sd-green:#16a34a;
  --sd-green-soft:rgba(22,163,74,.09);
  --sd-radius:18px;
  --sd-shadow:0 16px 44px rgba(15,35,64,.075);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--sd-cream);color:var(--sd-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}
.sd-page{background:var(--sd-cream);overflow:hidden}

.sd-section{padding:76px 24px}
.sd-white{background:#fff}.sd-cream{background:var(--sd-cream)}.sd-cream-dark{background:var(--sd-cream-dark)}.sd-navy{background:var(--sd-navy)}
.sd-kicker{display:inline-block;color:var(--sd-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.sd-section-head{max-width:860px;margin-bottom:36px}

.sd-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--sd-navy)}
.sd-section-head p{margin:0;color:var(--sd-text);font-size:15.5px;line-height:1.76}
.sd-light h2{color:#fff!important}.sd-light p{color:rgba(232,238,245,.86)!important}

.sd-btn{background:var(--sd-gold);color:var(--sd-navy)}
.sd-btn:hover{background:var(--sd-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.sd-btn-outline{color:var(--sd-gold);border:1px solid var(--sd-gold-border);background:rgba(201,168,76,.08)}
.sd-btn-outline:hover{border-color:var(--sd-gold);background:rgba(201,168,76,.16)}
.sd-btn-ghost{color:rgba(232,238,245,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.28);border-radius:0}
.sd-btn-ghost:hover{color:var(--sd-gold)}
.sd-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--sd-navy);border-top:2px solid var(--sd-gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;box-shadow:0 -4px 24px rgba(0,0,0,.30);transform:translateY(100%);transition:transform .3s ease}
.sd-sticky.on{transform:translateY(0)}
.sd-sticky span{color:rgba(232,238,245,.9);font-size:13px}
.sd-sticky span strong{color:#fff}
.sd-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:var(--sd-muted);font-size:22px;line-height:1;cursor:pointer}
.sd-hero{background:var(--sd-navy);position:relative;overflow:hidden;padding:70px 24px 0}
.sd-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(201,168,76,.10) 0%,transparent 66%)}
.sd-hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}
.sd-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:52px;position:relative;z-index:2;align-items:start}
.sd-badge{display:inline-flex;align-items:center;gap:8px;background:var(--sd-gold-soft);border:1px solid var(--sd-gold-border);color:var(--sd-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.sd-dot{width:7px;height:7px;border-radius:50%;background:var(--sd-gold)}
.sd-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,52px);line-height:1.07;margin:0 0 16px}
.sd-hero h1 em{font-style:normal;color:var(--sd-gold)}
.sd-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:710px;font-weight:700;border-left:3px solid var(--sd-gold);padding-left:16px}
.sd-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:710px}
.sd-hero-lead a{color:var(--sd-gold);font-weight:900;text-decoration:underline;text-decoration-color:rgba(201,168,76,.45)}

.sd-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin-bottom:30px;max-width:720px}
.sd-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.sd-check:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--sd-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.sd-hero-card{background:var(--sd-navy-mid);border:1px solid var(--sd-gold-border);border-radius:var(--sd-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.14);align-self:start}
.sd-hero-card-head{padding:17px 20px;background:linear-gradient(135deg,var(--sd-gold),var(--sd-gold-light));font-weight:900;color:var(--sd-navy)}
.sd-hero-card-head span{display:block;font-size:12px;color:rgba(15,35,64,.70);font-weight:700;margin-top:2px}
.sd-hero-card-body{padding:18px 20px}
.sd-row{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.08)}
.sd-row:last-child{border-bottom:0}
.sd-row span:first-child{color:#D4DCE5;font-size:13px;line-height:1.4}
.sd-row span:first-child small{display:block;color:#8A96A3;font-size:11px;margin-top:2px}
.sd-row span:last-child{color:var(--sd-gold);font-size:12.5px;font-weight:900;white-space:nowrap;text-align:right}
.sd-card-cta{display:block;background:var(--sd-gold);color:var(--sd-navy);text-align:center;padding:14px 18px;font-weight:900;text-decoration:none}
.sd-card-note{padding:10px 18px 12px;color:#9BADB8;font-size:11.5px;text-align:center}
.sd-trust{max-width:1160px;margin:42px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.10);position:relative;z-index:2}
.sd-trust div{padding:14px 15px;color:#9BADB8;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}
.sd-trust div:last-child{border-right:0}
.sd-toc{background:#fff;border-bottom:1px solid var(--sd-border);overflow-x:auto}
.sd-toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.sd-toc a{display:inline-block;padding:12px 14px;font-size:12px;font-weight:900;color:var(--sd-muted);border-bottom:2px solid transparent;text-decoration:none}
.sd-toc a:hover,.sd-toc a.sd-toc-cta{color:var(--sd-navy);background:var(--sd-gold-soft);border-color:var(--sd-gold)}



.sd-card,.sd-step,.sd-risk,.sd-doc,.sd-case,.sd-service,.sd-price-card{background:#fff;border:1px solid var(--sd-border);border-radius:var(--sd-radius);padding:24px;box-shadow:0 2px 12px rgba(15,35,64,.05)}
.sd-card h3,.sd-step h3,.sd-risk h3,.sd-doc h3,.sd-case h3,.sd-service h3,.sd-price-card h3{font-size:16px;color:var(--sd-navy);margin:0 0 8px;line-height:1.3}
.sd-card p,.sd-step p,.sd-risk p,.sd-doc p,.sd-case p,.sd-service p,.sd-price-card p{margin:0;color:var(--sd-text);font-size:13.8px;line-height:1.68}
.sd-card a,.sd-service a{color:var(--sd-gold);font-weight:900;text-decoration:none}
.sd-card a:hover,.sd-service a:hover{text-decoration:underline}
.sd-alert{border-left:4px solid var(--sd-gold);border-radius:0 var(--sd-radius) var(--sd-radius) 0;background:rgba(201,168,76,.09);padding:20px 24px;margin:24px 0}
.sd-alert strong{display:block;color:var(--sd-navy);font-size:14px;margin-bottom:6px}
.sd-alert p{margin:0;color:var(--sd-text);font-size:14px;line-height:1.7}
.sd-alert a{color:var(--sd-gold);font-weight:900}
.sd-alert.dark{background:rgba(255,255,255,.075);border:1px solid rgba(201,168,76,.30);border-left:4px solid var(--sd-gold)}
.sd-alert.dark strong{color:#fff}
.sd-alert.dark p{color:rgba(236,242,248,.88)}
.sd-summary{background:linear-gradient(135deg,var(--sd-navy),var(--sd-navy-mid));border-radius:var(--sd-radius);padding:30px;border:1px solid var(--sd-gold-border)}
.sd-summary ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.sd-summary li{display:flex;gap:10px;color:rgba(232,238,245,.88);font-size:14px;line-height:1.6}
.sd-summary li:before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:rgba(201,168,76,.14);color:var(--sd-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:2px}
.sd-compare{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--sd-gold-border);border-radius:var(--sd-radius);overflow:hidden}
.sd-compare-col{padding:30px;background:#fff}
.sd-compare-col.dark{background:var(--sd-navy-mid)}
.sd-compare-col h3{font-family:'Playfair Display',serif;font-size:22px;margin:0 0 16px;color:var(--sd-navy)}
.sd-compare-col.dark h3{color:#fff}
.sd-compare-item{padding:13px 0;border-bottom:1px solid rgba(15,35,64,.08)}
.sd-compare-col.dark .sd-compare-item{border-bottom-color:rgba(201,168,76,.11)}
.sd-compare-item strong{display:block;font-size:13.5px;color:var(--sd-navy);margin-bottom:4px}
.sd-compare-col.dark .sd-compare-item strong{color:var(--sd-gold)}
.sd-compare-item p{font-size:13.5px;color:var(--sd-text);line-height:1.65;margin:0}
.sd-compare-col.dark .sd-compare-item p{color:rgba(232,238,245,.82)}
.sd-risk{border-top:3px solid rgba(220,38,38,.28)}
.sd-risk strong{display:inline-flex;color:var(--sd-red);font-size:12px;font-weight:900;margin-bottom:9px;text-transform:uppercase;letter-spacing:.08em}
.sd-case{border-top:3px solid rgba(201,168,76,.45)}
.sd-case strong{display:inline-flex;color:var(--sd-gold);font-size:12px;font-weight:900;margin-bottom:9px;text-transform:uppercase;letter-spacing:.08em}
.sd-process{counter-reset:step}
.sd-step{position:relative;padding-left:72px}
.sd-step:before{counter-increment:step;content:counter(step);position:absolute;left:24px;top:24px;width:34px;height:34px;border-radius:50%;background:var(--sd-navy);color:var(--sd-gold);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:700}
.sd-table-wrap{overflow:auto}
.sd-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--sd-radius);overflow:hidden;border:1px solid var(--sd-border)}
.sd-table th,.sd-table td{padding:16px 18px;border-bottom:1px solid rgba(15,35,64,.06);text-align:left;font-size:14px;vertical-align:top}
.sd-table th{background:var(--sd-navy);color:#fff;font-weight:900}
.sd-table td{color:var(--sd-text)}
.sd-table td:first-child{font-weight:900;color:var(--sd-navy)}
.sd-table a{color:var(--sd-gold);font-weight:900;text-decoration:none}
.sd-price-card.featured{border:1px solid rgba(201,168,76,.45);box-shadow:0 10px 30px rgba(15,35,64,.08)}
.sd-price-head{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--sd-gold);font-weight:900;margin-bottom:10px}
.sd-price{font-family:'Playfair Display',serif;font-size:30px;color:var(--sd-navy);line-height:1.1;margin-bottom:12px}
.sd-note{font-size:12.5px;color:var(--sd-muted);line-height:1.65;margin-top:14px}
.sd-faq-list{display:flex;flex-direction:column;gap:2px;background:var(--sd-border);border-radius:var(--sd-radius);overflow:hidden}
.sd-faq-list details{background:#fff;border:0;border-radius:0;box-shadow:none}
.sd-faq-list summary{list-style:none;cursor:pointer;padding:22px 26px;display:flex;align-items:center;justify-content:space-between;gap:18px;font-weight:900;color:var(--sd-navy);font-size:15px;line-height:1.42;background:#fff}
.sd-faq-list summary::-webkit-details-marker{display:none}
.sd-faq-list summary:after{content:"+";width:28px;height:28px;min-width:28px;border-radius:50%;background:var(--sd-gold-soft);color:var(--sd-gold);display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:500;transition:.25s}
.sd-faq-list details[open] summary:after{transform:rotate(45deg)}
.sd-faq-content{background:#fff;padding:0 26px 22px}
.sd-faq-content p{border-top:1px solid var(--sd-border);padding-top:14px;font-size:14px;color:var(--sd-text);line-height:1.72;margin:0}
.sd-contact{background:var(--sd-cream-dark);padding:80px 24px}
.sd-contact-wrap{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:.92fr 1.08fr;gap:0;border-radius:var(--sd-radius);overflow:hidden;box-shadow:var(--sd-shadow);border:1px solid var(--sd-border)}
.sd-contact-left{background:var(--sd-navy);padding:42px;color:#fff}
.sd-contact-left h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,38px);line-height:1.15;margin:0 0 14px;max-width:440px;color:#fff}
.sd-contact-left h2 em{display:block;font-style:normal;color:var(--sd-gold)}
.sd-contact-left p{color:rgba(232,238,245,.86);font-size:15px;line-height:1.72;margin:0 0 22px}
.sd-contact-list{list-style:none;margin:0 0 26px;padding:0;display:flex;flex-direction:column;gap:10px}
.sd-contact-list li{display:flex;gap:10px;color:rgba(232,238,245,.9);font-size:14px;line-height:1.45}
.sd-contact-list li:before{content:"✓";color:var(--sd-gold);font-weight:900}
.sd-direct{border-top:1px solid rgba(201,168,76,.22);padding-top:20px;display:flex;flex-direction:column;gap:8px}
.sd-direct strong{color:#fff;font-size:14px}
.sd-direct a{color:var(--sd-gold);font-weight:800;text-decoration:none}
.sd-direct small{color:#9BADB8;font-size:12px;margin-top:5px}
.sd-contact-right{background:#fff;padding:42px}
.sd-contact-right p{font-size:15px;color:var(--sd-text);line-height:1.7;margin:0 0 22px}
.sd-contact-right strong{color:var(--sd-navy)}
.sd-contact-right input,.sd-contact-right textarea,.sd-contact-right select{border-radius:6px!important}
.sd-contact-right textarea{min-height:130px!important}
.sd-contact-right button,.sd-contact-right input[type="submit"]{background:var(--sd-gold)!important;color:var(--sd-navy)!important;border-radius:8px!important;font-weight:800!important}
.sd-contact-right button:hover,.sd-contact-right input[type="submit"]:hover{background:var(--sd-gold-light)!important}
@media(max-width:980px){
  
  
  .sd-trust{grid-template-columns:1fr 1fr}
  .sd-summary ul{grid-template-columns:1fr}
}
@media(max-width:640px){
  .sd-section{padding:56px 18px}
  .sd-hero{padding:46px 18px 0}
  .sd-wrap{padding:0 18px}
  
  .sd-checks{grid-template-columns:1fr}
  .sd-trust{grid-template-columns:1fr}
  .sd-trust div{border-right:0;border-bottom:1px solid rgba(201,168,76,.07)}
  
  
  .sd-row{flex-direction:column}
  .sd-row span:last-child{text-align:left}
  .sd-sticky span{display:none}
  .sd-contact-left,.sd-contact-right{padding:30px 22px}
  .sd-step{padding-left:24px;padding-top:72px}
  .sd-step:before{left:24px;top:24px}
  .sd-table,.sd-table tbody,.sd-table tr,.sd-table td{display:block;width:100%}
  .sd-table thead{display:none}
  .sd-table tr{border-bottom:1px solid var(--sd-border)}
  .sd-table td{border-bottom:0;padding:10px 14px}
  .sd-table td:first-child{background:var(--sd-cream)}
}