:root{--bg:#070714;--bg2:#0d0d22;--card:#11112b;--line:rgba(201,168,76,.18);--gold:#c9a84c;--gold2:#e6c873;--txt:#e9e9f2;--mut:#a3a3bd;--r:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{background:var(--bg);color:var(--txt);font:16px/1.65 "Segoe UI",-apple-system,BlinkMacSystemFont,Roboto,"Helvetica Neue",Arial,sans-serif;overflow-x:hidden}
a{color:var(--gold2)}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:#000;padding:8px 14px;z-index:99}
.skip:focus{left:10px}
:focus-visible{outline:2px solid var(--gold2);outline-offset:3px}
/* nav */
header.nav{position:sticky;top:0;z-index:50;background:rgba(7,7,20,.88);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--txt)}
.brand img{width:34px;height:auto}
.brand b{display:block;font-size:15px;letter-spacing:.14em;line-height:1.1}
.brand small{display:block;font-size:9.5px;letter-spacing:.32em;color:var(--gold)}
.menu{display:flex;gap:22px;list-style:none}
.menu a{color:var(--txt);text-decoration:none;font-size:14px;opacity:.85}
.menu a:hover{color:var(--gold2);opacity:1}
.right{display:flex;align-items:center;gap:10px}
.langs{display:flex;gap:2px;background:rgba(255,255,255,.05);border:1px solid var(--line);border-radius:8px;padding:3px}
.langs a{font-size:11px;font-weight:700;color:var(--mut);text-decoration:none;padding:4px 7px;border-radius:5px;letter-spacing:.05em}
.langs a[aria-current]{background:var(--gold);color:#111}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:8px;width:40px;height:38px;color:var(--gold);font-size:20px;cursor:pointer}
@media(max-width:900px){.menu{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;gap:0;background:var(--bg2);border-bottom:1px solid var(--line)}
.menu.open{display:flex}.menu li a{display:block;padding:14px 20px;border-top:1px solid var(--line)}.burger{display:block}}
@media(max-width:420px){.brand b{font-size:13px}.langs a{padding:4px 5px}}
/* sections */
section{padding:88px 0;scroll-margin-top:68px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
h1,h2,h3{line-height:1.15;font-weight:800}
h2{font-size:clamp(28px,4vw,42px);margin-bottom:16px}
.sub{color:var(--mut);max-width:680px;margin-bottom:44px}
.gold,.hl{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:9px;font-weight:700;font-size:15px;text-decoration:none;border:1px solid var(--gold);cursor:pointer;transition:.2s;font-family:inherit}
.btn.p{background:var(--gold);color:#111}.btn.p:hover{background:var(--gold2)}
.btn.s{background:transparent;color:var(--txt);border-color:rgba(255,255,255,.25)}.btn.s:hover{border-color:var(--gold);color:var(--gold2)}
/* hero */
.hero{padding:110px 0 70px;background:radial-gradient(ellipse at 80% 0%,rgba(201,168,76,.13),transparent 55%),radial-gradient(ellipse at 0% 100%,rgba(60,60,160,.18),transparent 55%)}
.badge{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold2);border:1px solid var(--line);border-radius:999px;padding:7px 14px;margin-bottom:26px;background:rgba(201,168,76,.06)}
.hero h1{font-size:clamp(36px,6.4vw,68px);margin-bottom:24px;max-width:820px}
.hero p{color:var(--mut);max-width:640px;font-size:17px;margin-bottom:34px}
.ctas{display:flex;flex-wrap:wrap;gap:12px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:64px;padding-top:34px;border-top:1px solid var(--line)}
.stats b{display:block;font-size:30px;color:var(--gold);font-weight:800}
.stats span{font-size:13px;color:var(--mut)}
@media(max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}
/* about */
.about{background:var(--bg2)}
.cols{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:start}
.cols p{color:var(--mut);margin-bottom:16px}
.finma{border:1px solid var(--line);border-radius:var(--r);padding:24px;background:linear-gradient(140deg,rgba(201,168,76,.1),rgba(201,168,76,.02));margin-top:10px}
.finma h3{font-size:18px;margin-bottom:8px}
.finma p{font-size:15px;margin:0}
.feats{display:grid;gap:12px}
.feat{display:flex;gap:14px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}
.feat i{font-style:normal;font-size:22px;line-height:1.2}
.feat h3{font-size:15.5px;margin-bottom:3px}
.feat p{font-size:14px;margin:0}
@media(max-width:860px){.cols{grid-template-columns:1fr}}
/* services */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;display:flex;flex-direction:column}
.card.rec{border-color:var(--gold);box-shadow:0 0 0 1px var(--gold),0 20px 50px -20px rgba(201,168,76,.35)}
.card .ribbon{position:absolute;top:-11px;left:22px;background:var(--gold);color:#111;font-size:10.5px;font-weight:800;letter-spacing:.12em;padding:3px 10px;border-radius:5px}
.card .ic{font-size:26px;margin-bottom:12px}
.card h3{font-size:18px;margin-bottom:10px}
.card p{color:var(--mut);font-size:14px;margin-bottom:14px}
.card ul{list-style:none;margin-bottom:18px}
.card li{font-size:13.5px;padding:5px 0 5px 22px;position:relative;border-top:1px solid rgba(255,255,255,.05)}
.card li:before{content:"✓";position:absolute;left:0;color:var(--gold)}
.price{margin-top:auto}
.price b{font-size:28px;color:var(--txt)}
.price b small{font-size:14px;color:var(--gold);margin-right:6px}
.price em{display:block;font-style:normal;font-size:12px;color:var(--mut);margin:4px 0 14px}
.card .btn{width:100%;font-size:14px;padding:11px}
@media(max-width:1000px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cards{grid-template-columns:1fr}}
/* process */
.process{background:var(--bg2)}
.steps{display:grid;gap:14px;counter-reset:s}
.step{display:grid;grid-template-columns:64px 1fr;gap:18px;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.step b{font-size:30px;color:var(--gold);font-weight:800;line-height:1}
.step h3{font-size:18px;margin-bottom:6px}
.step p{color:var(--mut);font-size:14.5px}
/* jurisdictions */
.jur{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.jur div{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.jur i{font-style:normal;font-size:28px}
.jur h3{font-size:17px;margin:8px 0 6px}
.jur p{color:var(--mut);font-size:14px}
@media(max-width:860px){.jur{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.jur{grid-template-columns:1fr}}
/* cta */
.ctab{padding:70px 0}
.ctab .box{border:1px solid var(--gold);border-radius:20px;padding:46px 28px;text-align:center;background:radial-gradient(ellipse at 50% 0%,rgba(201,168,76,.16),transparent 70%)}
.ctab h2{margin-bottom:14px}
.ctab p{color:var(--mut);max-width:620px;margin:0 auto 26px}
/* contact */
.contact{background:var(--bg2)}
.cgrid{display:grid;grid-template-columns:1fr 1.15fr;gap:40px;align-items:start}
.info{display:grid;gap:12px;margin-bottom:22px}
.info div{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}
.info i{font-style:normal;font-size:20px}
.info small{display:block;color:var(--mut);font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.info a,.info span{color:var(--txt);text-decoration:none;font-weight:600;word-break:break-word}
.direct{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:22px}
.direct .btn{font-size:14px;padding:10px 16px}
.note{border-left:3px solid var(--gold);padding:4px 0 4px 16px}
.note b{display:block;margin-bottom:4px}
.note p{color:var(--mut);font-size:14px}
form{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:26px}
form h3{font-size:20px;margin-bottom:18px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.row{grid-template-columns:1fr}}
label{display:block;font-size:13px;color:var(--mut);margin-bottom:14px}
input,select,textarea{display:block;width:100%;margin-top:6px;background:#0a0a1c;color:var(--txt);border:1px solid rgba(255,255,255,.14);border-radius:9px;padding:12px;font:inherit;font-size:15px}
input:focus,select:focus,textarea:focus{border-color:var(--gold);outline:none}
textarea{min-height:110px;resize:vertical}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:13px}
.chk input{width:18px;height:18px;margin:2px 0 0;flex:none;accent-color:var(--gold)}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.msg{display:none;margin-top:14px;padding:12px 14px;border-radius:9px;font-size:14px}
.msg.ok{display:block;background:rgba(80,200,120,.12);border:1px solid rgba(80,200,120,.4)}
.msg.err{display:block;background:rgba(230,80,80,.12);border:1px solid rgba(230,80,80,.4)}
form .btn{width:100%}
@media(max-width:860px){.cgrid{grid-template-columns:1fr}}
/* footer */
footer{border-top:1px solid var(--line);padding:56px 0 30px;font-size:14px;color:var(--mut)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px;margin-bottom:34px}
.flogo{background:#eceef2;border-radius:12px;padding:10px;width:150px;margin-bottom:14px}
footer h4{color:var(--txt);font-size:13px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:7px}
footer a{color:var(--mut);text-decoration:none}
footer a:hover{color:var(--gold2)}
.fbot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding-top:20px;font-size:13px}
.fbot nav{display:flex;flex-wrap:wrap;gap:16px}
@media(max-width:760px){.fgrid{grid-template-columns:1fr}}
/* legal pages */
.doc{padding:60px 0 80px}
.doc .wrap{max-width:820px}
.doc h1{font-size:clamp(30px,5vw,44px);margin:18px 0 22px}
.doc h2{font-size:20px;margin:30px 0 10px}
.doc p,.doc li{color:#cfcfe0;margin-bottom:10px}
.doc ul{padding-left:20px}
.doc .upd{color:var(--mut);font-size:14px}
.doc .back{font-size:14px;text-decoration:none}
.todo{background:#5a1010;color:#fff;padding:2px 6px;border-radius:4px}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}