:root { --navy: #1b2b48; --gold: #c19a4b; --text: #34384a; --muted: #6e7387; --bg: #ffffff; --soft: #f6f3ec; }
* { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--text); font: 17px/1.75 "Lato", Arial, sans-serif; }
h1, h2, h3 { font-family: "Merriweather", Georgia, serif; color: var(--navy); line-height: 1.3; }
a { color: var(--navy); text-decoration-color: var(--gold); text-underline-offset: 3px; }
img { display: block; width: 100%; height: auto; object-fit: cover; }
.container { max-width: 1080px; margin: 0 auto; padding: 0 22px; }

.head { border-bottom: 3px solid var(--gold); }
.head .container { display: flex; justify-content: space-between; align-items: center; padding: 18px 22px; }
.logo { text-decoration: none; color: var(--muted); font-size: 18px; }
.logo b { color: var(--navy); font-family: "Merriweather", serif; }
.head nav a { margin-left: 22px; text-decoration: none; font-size: 15px; color: var(--text); }
.head nav a:hover { color: var(--gold); }

.intro { background: var(--soft); padding: 56px 0; }
.intro-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 44px; align-items: center; }
.intro h1 { font-size: clamp(28px, 3.6vw, 42px); margin: 0 0 16px; }
.intro p { font-size: 19px; margin: 0; }
.intro img { border: 8px solid #fff; box-shadow: 0 10px 30px rgba(27, 43, 72, .12); aspect-ratio: 4 / 3; }

section { padding: 56px 0 0; }
h2 { font-size: clamp(24px, 2.8vw, 31px); margin: 0 0 22px; }
.steps { display: grid; gap: 16px; }
.step { display: grid; grid-template-columns: 56px 1fr; column-gap: 18px; padding: 20px 0; border-bottom: 1px solid #e6e1d6; }
.step span { grid-row: span 2; width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-family: "Merriweather", serif; font-size: 20px; }
.step h3 { margin: 0 0 4px; font-size: 20px; }
.step p { margin: 0; }

.split { display: grid; grid-template-columns: 1fr 1.15fr; gap: 44px; align-items: center; }
.split img { aspect-ratio: 1 / 1; }

.box { background: var(--soft); border-left: 5px solid var(--gold); padding: 30px 32px; margin-top: 56px; }
.box ul { margin: 0; padding-left: 20px; }

.links { columns: 2; padding-left: 20px; }
.links li { margin-bottom: 6px; }
.disclaimer { margin-top: 40px; font-size: 14px; color: var(--muted); }
.foot { margin-top: 56px; background: var(--navy); color: #c8cfdd; padding: 26px 0; font-size: 14px; }

@media (max-width: 800px) {
  .intro-grid, .split { grid-template-columns: 1fr; }
  .links { columns: 1; }
  .head nav { display: none; }
}