:root{
  --bg:#000;
  --panel: rgba(255,255,255,.06);
  --panel2: rgba(255,255,255,.04);
  --border: rgba(255,255,255,.14);
  --text:#fff;
  --muted:#cbd5e1;
  --gold:#d6b25e;
  --gold2:#f1d48a;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: Arial, Helvetica, sans-serif;
  background: radial-gradient(1200px 600px at 70% 0%, rgba(214,178,94,.10), transparent 55%),
              radial-gradient(900px 600px at 20% 10%, rgba(214,178,94,.06), transparent 60%),
              var(--bg);
  color:var(--text);
  line-height:1.45;
}
a{color:inherit}
.container{max-width:1120px;margin:0 auto;padding:0 18px}
.nav{
  position:sticky;top:0;z-index:50;
  backdrop-filter: blur(12px);
  background: rgba(0,0,0,.74);
  border-bottom:1px solid var(--border);
}
.nav-inner{
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:14px 0;
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:38px;width:auto;display:block;border-radius:10px}
.brand .brand-text{display:flex;flex-direction:column;gap:2px}
.brand .brand-text strong{font-size:14px;letter-spacing:.2px}
.brand .brand-text span{font-size:12px;color:var(--muted)}
.nav-links{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.nav-links a{
  text-decoration:none;font-size:14px;
  padding:10px 12px;border-radius:14px;
  border:1px solid transparent;color:var(--muted);
}
.nav-links a:hover{border-color:var(--border);color:var(--text)}
.badge{
  display:inline-flex;align-items:center;gap:8px;
  font-size:12px;color:var(--muted);
  border:1px solid var(--border);
  padding:8px 10px;border-radius:999px;
  background: rgba(255,255,255,.03);
}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 14px;border-radius:16px;
  border:1px solid rgba(255,255,255,.20);
  background: rgba(255,255,255,.06);
  text-decoration:none;
  font-weight:700;
}
.btn:hover{border-color:rgba(214,178,94,.55)}
.btn.primary{
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  border-color: rgba(0,0,0,.25);
  color:#111827;
}
.hero{padding:52px 0 24px}
.hero-grid{display:grid;grid-template-columns: 1.12fr .88fr;gap:26px;align-items:center}
@media (max-width:920px){.hero-grid{grid-template-columns:1fr}}
.panel{
  background: var(--panel);
  border:1px solid var(--border);
  border-radius:22px;
  padding:22px;
  box-shadow: 0 18px 40px rgba(0,0,0,.35);
}
h1{font-size:46px;line-height:1.05;margin:0 0 12px}
@media (max-width:520px){h1{font-size:34px}}
.lead{color:var(--muted);font-size:16px;margin:0 0 14px}
.kpis{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.kpi{font-size:13px;color:var(--muted);border:1px solid var(--border);padding:8px 10px;border-radius:999px;background:rgba(255,255,255,.03)}
.hero-photo{display:flex;flex-direction:column;gap:12px;align-items:center}
.photo{
  width:min(380px, 100%);
  border-radius:26px;
  border:1px solid var(--border);
  overflow:hidden;
  background: var(--panel2);
}
.photo img{width:100%;height:auto;display:block}
.identity{text-align:center}
.identity .name{font-size:18px;font-weight:900}
.identity .lic{font-size:13px;color:var(--muted);margin-top:4px}
.identity .broker{font-size:13px;color:var(--muted);margin-top:6px}
.section{padding:18px 0 44px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:920px){.grid3{grid-template-columns:1fr}}
.card{
  background: rgba(255,255,255,.05);
  border:1px solid var(--border);
  border-radius:20px;
  padding:18px;
}
.card h2{margin:0 0 8px;font-size:18px}
.card p{margin:0;color:var(--muted)}
hr.sep{border:0;border-top:1px solid var(--border);margin:16px 0}
.footer{
  border-top:1px solid var(--border);
  padding:22px 0;
  color:var(--muted);
  font-size:13px;
}
.footer .row{display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;align-items:flex-start}
.social{display:flex;gap:10px;flex-wrap:wrap}
.social a{text-decoration:none;border:1px solid var(--border);padding:8px 10px;border-radius:999px;background:rgba(255,255,255,.03)}
.form{display:grid;gap:12px}
input,textarea,select{
  width:100%;padding:12px 12px;border-radius:16px;
  border:1px solid rgba(255,255,255,.20);
  background: rgba(255,255,255,.03);
  color: var(--text);
  outline:none;
}
textarea{min-height:120px;resize:vertical}
small.help{color:var(--muted)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:920px){.calc-grid{grid-template-columns:1fr}}
.result{
  border:1px solid rgba(214,178,94,.35);
  background: rgba(214,178,94,.08);
  border-radius:18px;
  padding:14px;
}
.result strong{color:#fff}
.table{width:100%;border-collapse:collapse}
.table td,.table th{border-bottom:1px solid rgba(255,255,255,.12);padding:10px 8px;text-align:left}
.table th{color:#e2e8f0;font-weight:800;font-size:13px}