/* ============ Tokens ============ */
:root{
  --bg: #FBFAF6;
  --surface: #FFFFFF;
  --surface-2: #F5F2EB;
  --ink: #23262B;
  --ink-soft: #565F6B;
  --line: #E4E0D4;
  --navy: #1F3864;
  --navy-dark: #152647;
  --navy-tint: #EDF1F7;
  --gold: #B08D57;
  --gold-tint: #F5EFE3;
  --red: #9C2B2B;
  --red-tint: #FBEAEA;
  --green: #2E6B3E;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(31,56,100,.05), 0 8px 24px -12px rgba(31,56,100,.18);
  --maxw: 1240px;
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Public Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:18px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%}
a{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold); outline-offset:2px; border-radius:4px}

h1,h2,h3,h4{font-family:var(--font-display); color:var(--navy-dark); line-height:1.2; margin:0 0 .5em}

/* ============ Header ============ */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(251,250,246,.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  max-width:var(--maxw); margin:0 auto; padding:18px 28px 14px;
  display:flex; align-items:center; justify-content:space-between; gap:20px;
}
.brand{display:flex; align-items:center; gap:12px; text-decoration:none; color:var(--navy-dark)}
.brand-mark{
  width:40px; height:40px; border-radius:10px; background:var(--navy);
  color:#fff; font-family:var(--font-display); font-weight:600; font-size:20px;
  display:flex; align-items:center; justify-content:center; flex:none;
}
.brand-text{font-family:var(--font-display); font-size:22px; font-weight:500; color:var(--navy-dark)}
.brand-text strong{color:var(--gold); font-weight:600}
.brand-text small{display:block; font-family:var(--font-body); font-size:12.5px; letter-spacing:.06em; color:var(--ink-soft); text-transform:uppercase; margin-top:-2px}

.finanform-link{
  display:inline-flex; align-items:center; gap:6px;
  font-size:15px; font-weight:600; color:var(--navy);
  text-decoration:none; padding:9px 16px; border:1.5px solid var(--navy); border-radius:999px;
  transition:background .15s, color .15s;
  white-space:nowrap;
}
.finanform-link:hover{background:var(--navy); color:#fff}

.tabbar-wrap{max-width:var(--maxw); margin:0 auto; padding:0 20px 14px; overflow-x:auto; scrollbar-width:thin}
.tabbar{display:flex; gap:8px; min-width:max-content}
.tab-btn{
  display:flex; align-items:center; gap:9px;
  padding:10px 16px; border-radius:999px; border:1.5px solid var(--line);
  background:var(--surface); color:var(--ink-soft); font-family:var(--font-body);
  font-size:15px; font-weight:600; cursor:pointer; white-space:nowrap;
  transition:all .15s;
}
.tab-btn svg{width:18px; height:18px; flex:none}
.tab-btn:hover{border-color:var(--navy); color:var(--navy)}
.tab-btn[aria-selected="true"]{background:var(--navy); border-color:var(--navy); color:#fff}

/* ============ Layout ============ */
.layout{
  max-width:var(--maxw); margin:0 auto; padding:40px 28px 80px;
  display:grid; grid-template-columns: 1fr 360px; gap:44px; align-items:start;
}
@media (max-width:900px){
  .layout{grid-template-columns:1fr; padding:28px 18px 60px}
}

.content-col{min-width:0}
.tab-panel{display:none; animation:fadein .25s ease}
.tab-panel.active{display:block}
@keyframes fadein{from{opacity:0; transform:translateY(4px)} to{opacity:1; transform:none}}

.panel-head{margin-bottom:8px}
.panel-eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-size:13px; font-weight:700; letter-spacing:.08em; text-transform:uppercase;
  color:var(--gold); margin-bottom:10px;
}
.panel-eyebrow::before{content:""; width:22px; height:2px; background:var(--gold); display:inline-block}
.panel-head h1{font-size:clamp(28px,3.4vw,40px); margin-bottom:6px}
.panel-sub{color:var(--ink-soft); font-size:16px; margin:0 0 28px}

.prose{background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); padding:8px clamp(20px,4vw,44px) 30px; box-shadow:var(--shadow)}
.prose .sec-h1{font-size:24px; padding-top:28px; margin-bottom:14px; border-bottom:2px solid var(--navy-tint); padding-bottom:10px}
.prose .sec-h1:first-child{padding-top:26px}
.prose .sec-h2{font-size:18.5px; color:var(--gold); font-family:var(--font-body); font-weight:700; margin-top:22px}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 18px; padding-left:1.3em}
.prose li{margin-bottom:8px}
.prose strong{color:var(--navy-dark)}
.prose .fineprint{font-size:14px; color:var(--ink-soft)}

.notebox{
  background:var(--gold-tint); border-left:4px solid var(--gold); border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:14px 18px; margin:0 0 18px; font-size:15.5px; color:#5B4A2F;
}
.notebox em{font-style:normal}
.warnbox{
  background:var(--red-tint); border-left:4px solid var(--red); border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:14px 18px; margin:0 0 18px; font-weight:700; color:var(--red); font-size:15px;
}

.table-wrap{overflow-x:auto; margin:0 0 20px; border:1px solid var(--line); border-radius:var(--radius-sm)}
table{border-collapse:collapse; width:100%; font-size:15.5px; min-width:420px}
th{background:var(--navy); color:#fff; text-align:left; padding:11px 14px; font-weight:600}
td{padding:11px 14px; border-top:1px solid var(--line)}
tr:nth-child(even) td{background:var(--surface-2)}

/* ============ Sidebar ============ */
.sidebar{position:sticky; top:132px; display:flex; flex-direction:column; gap:18px}
@media (max-width:900px){.sidebar{position:static}}

.contact-card, .contact-form{
  background:var(--surface); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 26px 28px; box-shadow:var(--shadow);
}
.contact-card h2, .contact-form h2{font-size:21px; margin-bottom:8px}
.contact-card p{color:var(--ink-soft); font-size:15px; margin:0 0 16px}
.contact-list{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:12px}
.contact-list li{display:flex; align-items:center; gap:11px; font-size:15.5px}
.contact-list a{color:var(--ink); text-decoration:none; font-weight:600}
.contact-list a:hover{color:var(--navy)}
.contact-icon{
  width:36px; height:36px; border-radius:10px; background:var(--navy-tint); color:var(--navy);
  display:flex; align-items:center; justify-content:center; flex:none;
}
.contact-icon svg{width:18px; height:18px}

.contact-form h2{margin-bottom:4px}
.form-sub{color:var(--ink-soft); font-size:14.5px; margin:0 0 20px}
.field{margin-bottom:16px}
.field label{display:block; font-size:14px; font-weight:700; color:var(--navy-dark); margin-bottom:6px}
.field .opt{font-weight:400; color:var(--ink-soft); font-size:12.5px}
.field input, .field textarea{
  width:100%; border:1.5px solid var(--line); border-radius:var(--radius-sm);
  padding:11px 13px; font-family:var(--font-body); font-size:15.5px; background:var(--surface); color:var(--ink);
}
.field input:focus, .field textarea:focus{border-color:var(--navy); outline:none; box-shadow:0 0 0 3px var(--navy-tint)}
.field textarea{resize:vertical; min-height:90px}

.field-row{display:flex; align-items:flex-end; gap:10px}
.field-row .field{flex:1; margin-bottom:0}
.captcha-q{
  background:var(--surface-2); border:1.5px dashed var(--line); border-radius:var(--radius-sm);
  padding:11px 13px; font-weight:700; font-family:var(--font-display); font-size:17px; color:var(--navy-dark);
  white-space:nowrap;
}

.rgpd-row{display:flex; align-items:flex-start; gap:10px; margin:18px 0 20px}
.rgpd-row input{margin-top:4px; width:18px; height:18px; flex:none; accent-color:var(--navy)}
.rgpd-row label{font-size:13.5px; color:var(--ink-soft); line-height:1.5}
.rgpd-row a{color:var(--navy)}

.btn-submit{
  width:100%; background:var(--navy); color:#fff; border:none; border-radius:999px;
  padding:14px 20px; font-family:var(--font-body); font-size:16px; font-weight:700; cursor:pointer;
  transition:background .15s;
}
.btn-submit:hover{background:var(--navy-dark)}
.btn-submit:disabled{opacity:.6; cursor:not-allowed}

.form-msg{margin-top:14px; padding:12px 14px; border-radius:var(--radius-sm); font-size:14.5px; display:none}
.form-msg.show{display:block}
.form-msg.ok{background:#EAF4EC; color:var(--green); border:1px solid #BFE0C6}
.form-msg.err{background:var(--red-tint); color:var(--red); border:1px solid #EFC6C6}

/* ============ Footer ============ */
.site-footer{border-top:1px solid var(--line); padding:34px 28px; text-align:center; color:var(--ink-soft); font-size:14px}
.site-footer strong{color:var(--navy-dark)}