:root{--navy:#082d4d;--navy2:#0f4e73;--gold:#c0a06a;--aqua:#67cbd1;--sky:#eaf7f8;--ink:#16334b;--muted:#607689;--cream:#fbfaf7;--line:#dce7eb;--white:#fff;--shadow:0 18px 55px rgba(9,45,77,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;background:#fff;line-height:1.65}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.wrap{width:min(1180px,92%);margin:auto}.serif,h1,h2,h3{font-family:Georgia,"Times New Roman",serif}.top{position:sticky;top:0;z-index:50;background:rgba(6,36,61,.97);backdrop-filter:blur(14px);color:#fff;box-shadow:0 4px 30px rgba(0,0,0,.09)}.nav{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{background:#fff;padding:10px 14px;border-radius:8px}.logo img{width:228px;max-width:44vw}.links{display:flex;align-items:center;gap:21px;font-size:12px;letter-spacing:.08em;text-transform:uppercase}.links a{opacity:.95}.links a:hover{opacity:1}.apply,.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff;padding:14px 22px;border:0;border-radius:999px;font-size:12px;letter-spacing:.07em;text-transform:uppercase;font-weight:700;cursor:pointer}.apply{background:#fff;color:var(--navy)}.btn.gold{background:var(--gold)}.btn.aqua{background:var(--aqua);color:var(--navy)}.btn.ghost{background:transparent;border:1px solid var(--navy);color:var(--navy)}.btn.white{background:#fff;color:var(--navy)}.mobile-menu{display:none;background:none;border:1px solid #ffffff45;color:#fff;border-radius:8px;padding:8px 11px;font-size:20px}.hero{position:relative;background:linear-gradient(120deg,#f8f6f1 0%,#fff 50%,#e6f8f8 100%);overflow:hidden}.hero:before{content:"";position:absolute;right:-180px;top:-220px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,#95e2e455,transparent 68%)}.hero-grid{min-height:650px;display:grid;grid-template-columns:1.04fr .96fr;align-items:center;gap:64px;padding:54px 0}.eyebrow{font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);font-weight:800}.hero h1,.page-hero h1,.section-title{color:var(--navy);font-weight:400}.hero h1{font-size:68px;line-height:1.03;margin:14px 0 18px;letter-spacing:-.02em}.hero h1 em{font-style:italic;color:var(--navy2)}.hero p{font-size:19px;max-width:640px;color:#49667b}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.trustline{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:12px;color:#6c7e8b}.trustline span:before{content:"✓";color:var(--gold);font-weight:bold;margin-right:6px}.portrait{height:575px;position:relative;overflow:hidden;border-radius:220px 220px 26px 26px;box-shadow:0 28px 70px rgba(9,45,77,.18);background:#dfeff0}.portrait img{width:100%;height:100%;object-fit:cover;object-position:center 12%}.portrait-card{position:absolute;left:22px;right:22px;bottom:22px;background:rgba(6,36,61,.92);backdrop-filter:blur(10px);color:#fff;padding:18px 22px;text-align:center;border-radius:14px}.portrait-card strong{font-family:Georgia,serif;font-size:29px;font-weight:400}.portrait-card small{display:block;letter-spacing:.07em;text-transform:uppercase}.quick-paths{display:grid;grid-template-columns:repeat(3,1fr);margin-top:-1px}.quick-path{padding:30px 7%;color:#fff;background:var(--navy)}.quick-path:nth-child(2){background:var(--navy2)}.quick-path:nth-child(3){background:#186b83}.quick-path h3{font-size:25px;margin:0 0 5px;font-weight:400}.quick-path a{display:inline-block;margin-top:10px;font-size:12px;letter-spacing:.08em;text-transform:uppercase}.section{padding:82px 0}.section.alt{background:var(--cream)}.section.sky{background:linear-gradient(120deg,#f7fbfb,#eaf7f8)}.section-title{text-align:center;font-size:45px;margin:0 0 12px;line-height:1.12}.sub{text-align:center;max-width:810px;margin:0 auto 42px;color:var(--muted);font-size:17px}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.card,.intel-card,.tool-card,.doc-card,.faq-card,.process-card{background:#fff;border:1px solid var(--line);padding:27px 24px;border-radius:18px;box-shadow:0 9px 32px rgba(18,50,76,.06)}.card{min-height:190px}.card .icon{font-size:26px}.card h3,.intel-card h3,.tool-card h3,.doc-card h3,.faq-card h3{color:var(--navy);font-weight:400;font-size:23px;margin:9px 0 7px}.card p,.intel-card p,.tool-card p,.doc-card p,.faq-card p{color:#5b7182}.card a,.intel-card a,.tool-card a{color:var(--navy2);font-weight:700;font-size:13px}.foreign{background:linear-gradient(110deg,var(--navy),#0d5b78);color:#fff}.foreign .section-title,.foreign h2{color:#fff}.foreign-grid,.agent-grid,.about-grid,.split{display:grid;grid-template-columns:1fr 1fr;gap:62px;align-items:center}.foreign .sub{color:#d5e9ef;text-align:left;margin:0 0 24px}.pill{display:inline-block;border:1px solid #ffffff55;padding:8px 12px;margin:5px 4px 5px 0;font-size:12px;letter-spacing:.05em;border-radius:999px}.agent-box{background:#f2f8f8;border-left:4px solid var(--aqua);padding:34px;border-radius:0 18px 18px 0}.check{margin:12px 0}.check:before{content:"✓";color:var(--gold);font-weight:bold;margin-right:10px}.intel-grid,.tool-grid,.doc-grid,.faq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.market-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:22px;align-items:stretch}.market-panel{border:1px solid var(--line);background:#fff;border-radius:20px;padding:24px;box-shadow:var(--shadow)}.market-panel iframe{width:100%;border:0;border-radius:12px;background:#fff}.disclaimer{font-size:12px;color:#748692;margin-top:12px}.process-line{display:grid;grid-template-columns:repeat(8,1fr);gap:10px;position:relative}.process-line:before{content:"";position:absolute;top:25px;left:6%;right:6%;height:2px;background:#c9dfe5;z-index:0}.process-step{position:relative;z-index:1;text-align:center}.process-num{width:52px;height:52px;margin:0 auto 10px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;border:5px solid #fff;box-shadow:0 0 0 1px #bcd5dc;font-weight:800}.process-step strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:17px}.process-step small{display:block;color:#718393;line-height:1.35;margin-top:4px}.cta{padding:74px 0;text-align:center;background:linear-gradient(120deg,#edf8f8,#f8fbfb)}.cta h2{font-size:44px;color:var(--navy);font-weight:400;margin:0 0 10px}.footer{background:#06243d;color:#dce8ef;padding:48px 0 84px}.footer-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr 1fr;gap:34px}.footer img{background:#fff;padding:9px;border-radius:7px;width:230px}.footer a{color:#fff}.legal{border-top:1px solid #ffffff25;margin-top:32px;padding-top:20px;font-size:12px;color:#b9cbd7}.page-hero{padding:82px 0;background:linear-gradient(120deg,#f7f5ef,#eaf7f7)}.page-hero h1{font-size:56px;margin:0 0 12px}.page-hero p{font-size:18px;color:#587083;max-width:780px}.content{max-width:930px;margin:auto}.content h2{color:var(--navy);font-size:31px;font-weight:400;margin-top:40px}.content h3{color:var(--navy);font-size:23px;font-weight:400}.content li{margin:7px 0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.contact-card{border:1px solid var(--line);padding:30px;border-radius:18px}.tiny{font-size:12px;color:#718494}.calc-shell{display:grid;grid-template-columns:280px 1fr;gap:26px}.calc-nav{position:sticky;top:110px;align-self:start;background:var(--cream);padding:18px;border-radius:18px;border:1px solid var(--line)}.calc-nav a{display:block;padding:9px 11px;border-radius:9px;font-size:14px}.calc-nav a:hover{background:#fff}.calculator{border:1px solid var(--line);background:#fff;border-radius:20px;padding:28px;margin-bottom:24px;box-shadow:0 9px 30px rgba(18,50,76,.06)}.calculator h2{margin-top:0}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.07em;font-weight:700;color:#5d7182;margin-bottom:5px}.field input,.field select,.field textarea{width:100%;padding:12px 13px;border:1px solid #cfdde2;border-radius:10px;font:inherit;color:var(--ink);background:#fff}.result{margin-top:18px;padding:18px;border-radius:14px;background:#eff8f8;border:1px solid #cfe7e9}.result strong{font-size:26px;color:var(--navy);font-family:Georgia,serif;font-weight:400}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.result-box{background:#fff;border:1px solid #dbe8eb;border-radius:11px;padding:12px}.result-box small{display:block;color:#718393}.doc-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:25px}.doc-tab{border:1px solid #cfdde2;background:#fff;padding:10px 14px;border-radius:999px;cursor:pointer}.doc-tab.active{background:var(--navy);color:#fff}.doc-panel{display:none}.doc-panel.active{display:block}.faq-search{width:100%;max-width:640px;margin:0 auto 26px;display:block;padding:14px 16px;border:1px solid #cfdee4;border-radius:999px;font-size:16px}.faq-item{border-bottom:1px solid var(--line);padding:18px 0}.faq-q{display:flex;justify-content:space-between;gap:20px;cursor:pointer;font-weight:700;color:var(--navy)}.faq-a{display:none;padding-top:10px;color:#5b7182}.faq-item.open .faq-a{display:block}.resource-card{display:grid;grid-template-columns:minmax(220px,350px) 1fr;gap:30px;align-items:center;padding:28px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:var(--shadow)}.resource-card img{border-radius:12px}.mobile-sticky{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid #d9e3e7;box-shadow:0 -8px 30px rgba(0,0,0,.1);grid-template-columns:repeat(4,1fr)}.mobile-sticky a{padding:12px 4px;text-align:center;font-size:11px;font-weight:800;text-transform:uppercase;color:var(--navy);border-right:1px solid #e4ebee}.mobile-sticky a:last-child{background:var(--navy);color:#fff;border:0}
@media(max-width:980px){.links{gap:12px}.links a:not(.apply){display:none}.mobile-menu{display:block}.nav{position:relative}.links.open{position:absolute;top:76px;left:0;right:0;background:#06243d;display:flex;flex-direction:column;align-items:stretch;padding:16px}.links.open a:not(.apply){display:block;padding:8px 6px}.hero-grid,.foreign-grid,.agent-grid,.about-grid,.split,.market-grid,.footer-grid{grid-template-columns:1fr}.hero-grid{padding:56px 0}.hero h1{font-size:50px}.portrait{height:520px;max-width:520px;margin:auto}.cards{grid-template-columns:repeat(2,1fr)}.intel-grid,.tool-grid,.doc-grid,.faq-grid{grid-template-columns:repeat(2,1fr)}.quick-paths{grid-template-columns:1fr}.process-line{grid-template-columns:repeat(4,1fr);row-gap:28px}.process-line:before{display:none}.calc-shell{grid-template-columns:1fr}.calc-nav{position:static}.footer{padding-bottom:88px}.mobile-sticky{display:grid}}
@media(max-width:620px){.wrap{width:min(94%,1180px)}.nav{min-height:74px}.logo img{width:190px;max-width:52vw}.apply{display:none}.hero h1{font-size:42px}.hero p{font-size:17px}.portrait{height:445px;border-radius:160px 160px 22px 22px}.section{padding:58px 0}.section-title,.cta h2{font-size:36px}.cards,.intel-grid,.tool-grid,.doc-grid,.faq-grid,.contact-grid,.calc-grid,.result-grid{grid-template-columns:1fr}.process-line{grid-template-columns:repeat(2,1fr)}.page-hero h1{font-size:42px}.footer-grid{grid-template-columns:1fr}.calculator{padding:20px}.market-panel{padding:16px}.resource-card{grid-template-columns:1fr}}

/* V4.1 contact + live-news polish */
.news-panel{background:linear-gradient(145deg,#ffffff 0%,#f4fbfb 100%);position:relative;overflow:hidden}.news-panel:after{content:"";position:absolute;width:150px;height:150px;border-radius:50%;right:-65px;top:-70px;background:#67cbd11c;pointer-events:none}.market-kicker{font-size:11px;letter-spacing:.18em;color:var(--gold);font-weight:800}.news-panel h3{font-size:28px;font-weight:400;color:var(--navy);margin:7px 0 6px}.market-copy{font-size:14px;color:var(--muted);margin:0 0 12px}.news-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}.news-actions a{font-size:12px;font-weight:800;color:var(--navy2)}.contact-strip{background:#edf8f8;border-bottom:1px solid var(--line)}.contact-strip-inner{min-height:72px;display:flex;align-items:center;justify-content:center;gap:22px;flex-wrap:wrap}.contact-pills{display:flex;gap:8px;flex-wrap:wrap}.contact-pills a{background:#fff;border:1px solid #cadde3;color:var(--navy);padding:9px 14px;border-radius:999px;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.04em}.contact-pills .contact-apply{background:var(--navy);color:#fff;border-color:var(--navy)}@media(max-width:620px){.contact-strip-inner{padding:14px 0;justify-content:flex-start}.contact-pills{width:100%}.contact-pills a{flex:1;text-align:center;min-width:82px}.mobile-sticky a{font-size:9px;padding:12px 2px}}

.doc-tab{display:flex;flex-direction:column;gap:4px;text-decoration:none}.doc-tab span{font-size:.76rem;font-weight:600;opacity:.72}.doc-panel{scroll-margin-top:110px}

.doc-card-link{display:block;transition:transform .18s ease,box-shadow .18s ease}.doc-card-link:hover,.doc-card-link:focus{transform:translateY(-2px);box-shadow:0 14px 36px rgba(18,50,76,.10)}.doc-card-link strong{color:var(--navy2);font-size:13px}.doc-tab:focus{outline:2px solid var(--aqua);outline-offset:2px}

.license-line{margin-top:12px;font-size:.82rem;line-height:1.45;opacity:.82}