:root{
  --navy:#16324f; --navy2:#0f2438; --cream:#faf7f2; --sand:#f0e9de;
  --gold:#d9a441; --sage:#7fa38a; --ink:#2b2f33; --muted:#6b7280;
  --radius:16px; --shadow:0 10px 30px rgba(22,50,79,.10);
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;color:var(--ink);
  background:var(--cream);line-height:1.65;font-size:17px}
h1,h2,h3,.serif{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.2}
img{max-width:100%;border-radius:var(--radius)}
.container{max-width:1100px;margin:0 auto;padding:0 24px}
section{padding:72px 0}
.kicker{display:inline-block;background:var(--sand);color:var(--navy);
  font-size:13px;letter-spacing:2px;text-transform:uppercase;font-weight:700;
  padding:6px 14px;border-radius:999px;margin-bottom:18px}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;
  padding:15px 32px;border-radius:999px;font-weight:600;font-size:16px;
  transition:.25s;border:none;cursor:pointer}
.btn:hover{background:var(--gold);transform:translateY(-2px)}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
/* Header */
header{position:sticky;top:0;background:rgba(250,247,242,.92);backdrop-filter:blur(8px);
  border-bottom:1px solid #e8e0d3;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1100px;margin:0 auto}
.logo{font-family:Georgia,serif;font-size:22px;font-weight:700;color:var(--navy);text-decoration:none}
.logo span{color:var(--gold)}
.nav-links{display:flex;gap:28px;list-style:none}
.nav-links a{color:var(--navy);text-decoration:none;font-weight:600;font-size:15px}
.nav-links a:hover{color:var(--gold)}
/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;
  padding:110px 0 90px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;
  background:radial-gradient(circle at 85% 15%,rgba(217,164,65,.18),transparent 45%),
  radial-gradient(circle at 10% 90%,rgba(127,163,138,.15),transparent 40%)}
.hero .container{position:relative;z-index:2}
.hero h1{color:#fff;font-size:clamp(34px,5vw,54px);max-width:800px}
.hero .baseline{font-size:clamp(18px,2.4vw,23px);color:#e8dfd0;max-width:640px;margin:22px 0 34px}
.hero .baseline strong{color:var(--gold)}
.trust{display:flex;flex-wrap:wrap;gap:12px;margin-top:38px}
.trust span{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);
  padding:9px 18px;border-radius:999px;font-size:14px;color:#e8dfd0}
/* Stats */
.stats{background:#fff;border-bottom:1px solid #e8e0d3}
.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:24px}
.stat{text-align:center;padding:36px 16px}
.stat .num{font-family:Georgia,serif;font-size:40px;color:var(--gold);font-weight:700}
.stat p{color:var(--muted);font-size:15px}
/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:26px}
.card{background:#fff;border-radius:var(--radius);padding:34px 30px;box-shadow:var(--shadow);
  border:1px solid #eee6d8}
.card h3{font-size:21px;margin-bottom:12px}
.card p{color:var(--muted);font-size:16px}
.card .tag{display:inline-block;background:var(--sage);color:#fff;font-size:12px;
  font-weight:700;padding:4px 12px;border-radius:999px;margin-bottom:14px}
/* Steps APA */
.apa{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:26px;counter-reset:step}
.apa .card{position:relative}
.apa .card::before{counter-increment:step;content:counter(step);
  position:absolute;top:-18px;left:26px;width:44px;height:44px;border-radius:50%;
  background:var(--gold);color:#fff;display:flex;align-items:center;justify-content:center;
  font-family:Georgia,serif;font-size:22px;font-weight:700;box-shadow:var(--shadow)}
/* Table */
.table-wrap{overflow-x:auto;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:560px}
th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-weight:600}
td{padding:13px 18px;border-bottom:1px solid #eee6d8}
tr:last-child td{border-bottom:none}
tr:nth-child(even){background:#fbf9f5}
.example{background:var(--sand);border-left:5px solid var(--gold);border-radius:12px;
  padding:22px 26px;margin-top:26px;font-size:16px}
/* Checklist */
.checks{counter-reset:ck;list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px}
.checks li{background:#fff;border-radius:12px;padding:20px 22px 20px 66px;position:relative;
  box-shadow:var(--shadow);font-weight:600;color:var(--navy)}
.checks li small{display:block;font-weight:400;color:var(--muted);margin-top:4px}
.checks li::before{counter-increment:ck;content:counter(ck);
  position:absolute;left:18px;top:18px;width:32px;height:32px;border-radius:50%;
  background:var(--sage);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
/* Sequestre band */
.sequestre{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:24px;
  padding:56px;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.sequestre h2{color:#fff}
.sequestre p{color:#d9d2c4}
.flow{display:flex;flex-direction:column;gap:10px;font-size:14.5px}
.flow div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);
  border-radius:10px;padding:10px 16px}
.flow b{color:var(--gold)}
/* FAQ */
.faq details{background:#fff;border-radius:12px;margin-bottom:12px;box-shadow:var(--shadow);
  border:1px solid #eee6d8}
.faq summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--navy);list-style:none;
  display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";font-size:24px;color:var(--gold);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 24px 20px;color:var(--muted)}
/* CTA final */
.cta-final{text-align:center;background:var(--sand);border-radius:24px;padding:64px 32px}
/* Footer */
footer{background:var(--navy2);color:#b8c2cc;padding:44px 0;font-size:14px;margin-top:72px}
footer a{color:#e8dfd0;text-decoration:none}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
@media(max-width:820px){.sequestre{grid-template-columns:1fr}footer .cols{grid-template-columns:1fr}
  .nav-links{display:none}}