:root{--navy:#073454;--deep:#052b48;--blue:#008bcc;--cyan:#00a9e8;--ice:#edf6fc;--silver:#d7e4ec;--ink:#183a51;--muted:#546c7e;--white:#fff;--radius:14px;--font:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--blue)}button,a,summary{-webkit-tap-highlight-color:transparent}button{font:inherit}img{display:block;max-width:100%;height:auto}svg{flex-shrink:0;vertical-align:middle}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);font-weight:700}h1{font-size:clamp(2.35rem,4vw,3.65rem);line-height:1.12;letter-spacing:-.045em;margin-bottom:25px}h2{font-size:clamp(1.9rem,2.8vw,2.65rem);line-height:1.2;letter-spacing:-.035em;margin-bottom:26px}h3{font-size:1.22rem;line-height:1.35;letter-spacing:-.02em;margin-bottom:12px}em{font-style:normal;color:var(--blue)}p{margin-bottom:22px}ul{padding-left:22px}li{margin-bottom:10px}.container{width:min(1200px,calc(100% - 88px));margin:0 auto}.narrow{max-width:850px}.section{padding:92px 0}.tint{background:var(--ice)}.eyebrow{display:block;color:var(--blue);font-size:.76rem;font-weight:700;text-transform:uppercase;letter-spacing:.16em;margin-bottom:19px}.lead{font-size:1.17rem;line-height:1.7;color:var(--muted);max-width:660px}.small,.micro{font-size:.87rem;color:var(--muted);line-height:1.65}.micro{margin:17px 0 0}.brand-banner{height:270px;overflow:hidden;background:#f3faff;display:flex;justify-content:center}.brand-banner img{width:100%;max-width:1098px;height:100%;object-fit:contain}.header{background:rgba(255,255,255,.98);border-bottom:1px solid #e1eaf0;position:sticky;top:0;z-index:30}.nav-row{min-height:87px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;align-items:center;gap:9px;color:var(--navy);text-decoration:none;white-space:nowrap;font-size:1.12rem;font-weight:800;letter-spacing:-.055em}.brand img{width:43px;height:43px;border-radius:50%}.brand .blue{color:var(--cyan)}.brand .de{font-size:.96em}nav{display:flex;align-items:center;gap:24px}nav>a:not(.button){font-size:.87rem;font-weight:600;text-decoration:none;white-space:nowrap}nav a[aria-current]{color:var(--blue)}.button{display:inline-flex;align-items:center;justify-content:center;gap:23px;padding:15px 23px;font-size:.93rem;font-weight:700;text-decoration:none;border-radius:7px;line-height:1.4;transition:background .18s,transform .18s;border:1px solid transparent}.button.primary{background:var(--navy);color:white}.button.primary:hover{background:#00517e;transform:translateY(-2px)}nav .button{padding:13px 17px;font-size:.85rem;gap:13px}.text-link{display:inline-flex;gap:12px;align-items:center;font-weight:700;text-decoration:none;font-size:.93rem;color:var(--navy)}.text-link:hover{text-decoration:underline}.hero{padding:54px 0 62px;background:linear-gradient(120deg,#f7fbfe 0%,#fff 62%)}.hero-grid{display:grid;grid-template-columns:1.12fr 1fr;gap:55px;align-items:center}.hero-copy{padding:8px 0}.hero h1{font-size:clamp(2.4rem,3.5vw,3.25rem)}.hero .lead{font-size:1.1rem;max-width:550px;margin-bottom:29px}.actions{display:flex;align-items:center;gap:21px;flex-wrap:wrap}.hero-photo{position:relative;border-radius:14px 14px 65px 14px;min-height:360px;overflow:hidden;background:#dcebf3;box-shadow:0 15px 55px #173c5810}.hero-photo>img{height:385px;width:100%;object-fit:cover;object-position:50% 50%}.portrait-label{position:absolute;bottom:22px;left:22px;background:#fffef9f2;backdrop-filter:blur(8px);border-left:3px solid var(--cyan);padding:14px 21px;border-radius:3px;display:flex;flex-direction:column;line-height:1.5;box-shadow:0 4px 22px #06253c0b}.portrait-label .small-caps{font-size:.69rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}.portrait-label strong{font-size:1.3rem;color:var(--navy)}.portrait-label>span:last-child{font-size:.78rem}.trust-strip{background:var(--navy);color:#fff}.trust-strip>.container{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:24px;padding-bottom:24px}.trust-strip span{display:flex;align-items:center;gap:12px;font-size:.92rem}.trust-strip svg{color:#7fd9ff}.section-heading{display:grid;grid-template-columns:1.3fr 1fr;gap:70px;align-items:end;margin-bottom:38px}.section-heading h2{margin-bottom:0}.section-heading p{color:var(--muted);margin-bottom:2px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.card{border:1px solid var(--silver);border-radius:var(--radius);padding:31px 28px;background:#fff}.icon-box{display:inline-flex;align-items:center;justify-content:center;height:47px;width:47px;background:var(--ice);color:var(--blue);border-radius:10px;flex-shrink:0}.card .icon-box{margin-bottom:28px}.card p{font-size:1rem;color:var(--muted);margin:0}.section-bottom{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:24px}.section-bottom p{margin:0}.personal{background:#eff6fb}.personal-grid{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}.personal-photo{position:relative}.personal-photo img{height:455px;object-fit:cover;border-radius:12px;object-position:50% 50%}.image-note{display:block;font-size:.8rem;color:var(--muted);padding-top:12px}.personal p:not(.lead){color:var(--muted);font-size:1rem}.check-list{padding:0;list-style:none;margin:27px 0}.check-list li{display:flex;gap:12px;align-items:center;font-size:.95rem}.check-list svg{color:var(--blue);width:19px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:50px;margin:45px 0 35px}.step-number{display:block;font-size:3.1rem;color:#aec8da;font-weight:400;line-height:1;margin-bottom:22px;letter-spacing:-.07em}.steps article{padding-top:20px;border-top:1px solid var(--silver)}.steps p{color:var(--muted);font-size:1rem}.faq-section{background:#f7fafc}.faq-grid{display:grid;grid-template-columns:.85fr 1.25fr;gap:90px}.faq-grid>div>p{color:var(--muted)}details{border-bottom:1px solid #d2e1eb}details:first-child{border-top:1px solid #d2e1eb}summary{display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:1rem;font-weight:700;cursor:pointer;list-style:none;padding:22px 0;line-height:1.55}summary::-webkit-details-marker{display:none}summary span{font-size:1.4rem;color:var(--blue);font-weight:400;flex-shrink:0}details[open] summary span{transform:rotate(45deg)}details p{font-size:.96rem;color:var(--muted);padding-right:30px}.contact-band{background:var(--navy);color:white;padding:71px 0}.contact-inner{display:flex;align-items:center;justify-content:space-between;gap:50px}.contact-band h2{color:white;margin-bottom:15px}.contact-band .eyebrow{color:#76d8ff}.contact-band p{color:#cadde9;margin-bottom:0}.contact-band .button{background:#fff;color:var(--navy)}.contact-band .button:hover{background:#def4ff}.phone-link{display:flex;align-items:center;justify-content:center;gap:10px;color:white;text-decoration:none;margin-top:18px;font-size:1rem}.phone-link:hover{color:#7fd9ff}.footer-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:60px;padding-top:58px;padding-bottom:40px}.footer-top>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px;font-size:.9rem;color:var(--muted)}.footer-top p{margin-top:10px;font-size:.86rem}.footer-label{font-weight:700;color:var(--navy);margin-bottom:9px}.footer-top a:not(.brand){text-decoration:none}.footer-bottom{padding:23px 0;border-top:1px solid var(--silver);display:flex;justify-content:space-between;gap:24px;font-size:.8rem;color:var(--muted)}.footer-bottom>div{display:flex;gap:24px}.footer-bottom a{text-decoration:none}.page-hero{padding:38px 0 67px;background:linear-gradient(120deg,#eaf5fd,#f9fcff 80%)}.breadcrumb{display:flex;gap:12px;font-size:.8rem;color:var(--muted);margin-bottom:50px}.breadcrumb a{text-decoration:none}.page-hero h1{max-width:940px}.page-hero .lead{max-width:790px}.page-hero .button{margin-top:6px}.article-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:95px;align-items:start}.article-grid p{color:var(--muted)}.article-grid h3{margin-top:31px}.aside-note{background:var(--ice);padding:33px;border:1px solid #d7e6f0;border-radius:12px}.aside-note>svg{width:35px;height:35px;color:var(--blue);margin-bottom:12px}.aside-note h3{margin-top:14px}.aside-note p,.aside-note li{font-size:.96rem}.aside-note .button{font-size:.86rem;padding:14px 17px;gap:15px}.source-note{font-size:.82rem;color:var(--muted);border-top:1px solid var(--silver);padding-top:23px;margin-top:35px}.sector-grid{display:grid;grid-template-columns:1fr 1fr;gap:35px 50px;margin-top:40px}.sector-grid article{border-top:1px solid #ccdde8;padding-top:24px}.sector-grid p{color:var(--muted);margin-bottom:0}.tint .cards+p{margin-top:26px}.factor-list article{display:flex;gap:24px;border-top:1px solid var(--silver);padding:27px 0 5px}.factor-list article>span{font-size:1.55rem;color:var(--blue);line-height:1.35}.factor-list h3{margin-top:0}.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px;align-items:center}.about-portrait{height:560px;background:linear-gradient(160deg,#f6fbff,#d6e9f6);overflow:hidden;border-radius:20px 20px 90px 20px}.about-portrait img{width:100%;height:100%;object-fit:contain;object-position:center}.about-grid p{color:var(--muted)}.location-grid{display:grid;grid-template-columns:1fr 1fr;gap:35px;margin:35px 0}.location-grid article{padding:28px 30px;border:1px solid var(--silver);background:white;border-radius:10px}.location-grid p{font-size:1rem}.contact-grid{display:grid;grid-template-columns:.88fr 1.12fr;gap:90px;align-items:start}.contact-photo{border-radius:12px;height:300px;object-fit:cover;width:100%;margin-bottom:27px}.contact-grid h2{margin-bottom:15px}.contact-option{display:flex;align-items:flex-start;gap:18px;text-decoration:none;border-bottom:1px solid var(--silver);padding:26px 0}.contact-option>div{flex:1;min-width:0}.contact-option span:not(.icon-box){display:block;font-size:.84rem;color:var(--muted);margin-bottom:5px}.contact-option strong{display:block;font-size:1.17rem;color:var(--navy);overflow-wrap:anywhere}.contact-option p{font-size:.88rem;color:var(--muted);margin:5px 0 0}.contact-option>svg{margin-top:14px;color:var(--blue)}.contact-option:hover strong{color:var(--blue)}.contact-options>.small{margin-top:17px}.contact-note{padding:24px 26px;background:var(--ice);border-radius:10px;margin-top:30px}.contact-note p{font-size:1rem;margin-bottom:0}.legal h2{font-size:1.6rem;margin-top:36px}.legal p{color:var(--muted)}.menu-toggle{display:none}.mobile-contact{display:none}.skip-link{position:fixed;left:20px;top:-100px;z-index:100;background:var(--navy);color:white;padding:15px}.skip-link:focus{top:10px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #008bcc;outline-offset:5px;border-radius:4px}#termin{scroll-margin-top:90px}@media(min-width:1500px){.brand-banner{height:290px}}@media(max-width:1120px){.container{width:calc(100% - 60px)}nav{gap:16px}.brand{font-size:1rem}.brand img{width:36px;height:36px}nav>a:not(.button){font-size:.8rem}nav .button{font-size:.8rem;padding:12px 14px;gap:8px}.nav-row{gap:20px}.hero-grid{gap:35px}.hero h1{font-size:2.8rem}.hero-photo>img{height:410px}.actions{gap:16px}.personal-grid{gap:40px}.faq-grid{gap:45px}.article-grid{gap:45px}.contact-grid{gap:45px}}@media(max-width:900px){.menu-toggle{display:flex;width:43px;height:43px;background:white;border:1px solid var(--silver);border-radius:6px;align-items:center;justify-content:center;flex-direction:column;gap:5px}.menu-toggle span{width:19px;height:2px;background:var(--navy)}.nav-row{min-height:74px}.brand{font-size:1.2rem}.brand img{width:41px;height:41px}nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--silver);padding:22px 30px;box-shadow:0 20px 24px #052b4810}nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0}nav>a:not(.button){padding:14px 0;font-size:1rem}nav .button{font-size:.95rem;padding:15px;margin-top:10px}.hero-grid{grid-template-columns:1fr 1fr;gap:30px}.hero h1{font-size:2.45rem}.hero .lead{font-size:1rem}.brand-banner{height:230px}.hero-photo>img{height:390px;object-position:55%}.section{padding:65px 0}.section-heading{gap:35px}.cards{gap:15px}.card{padding:25px 20px}.card h3{font-size:1.05rem}.card p{font-size:.95rem}.trust-strip span{font-size:.78rem;gap:8px}.trust-strip svg{width:19px}.steps{gap:30px}.footer-top{gap:25px}.footer-top .brand{font-size:1rem}.about-grid{gap:45px}.contact-inner{gap:25px}.contact-band .button{gap:15px;padding:15px 20px}.contact-band h2{font-size:2.2rem}.contact-grid{grid-template-columns:.9fr 1.1fr;gap:35px}.contact-option strong{font-size:1rem}.contact-option{gap:12px}.contact-option .icon-box{width:36px;height:40px}.personal-photo img{height:480px}}
@media(max-width:700px){.container{width:calc(100% - 40px)}.brand-banner{height:auto;min-height:150px}.brand-banner img{width:100%;height:auto;min-height:150px;object-fit:contain}.header .brand{font-size:1.14rem}.nav-row{min-height:71px}.hero{padding:37px 0 35px}.hero-grid{grid-template-columns:1fr;gap:32px}.hero h1{font-size:2.55rem;line-height:1.13}.hero .lead{font-size:1.04rem}.eyebrow{font-size:.7rem;letter-spacing:.13em;margin-bottom:16px}.hero .actions{gap:18px}.hero .button{padding:15px 18px}.hero .text-link{font-size:.88rem}.hero-photo{min-height:0;border-radius:10px 10px 45px 10px}.hero-photo>img{height:290px;object-position:50% 43%}.portrait-label{left:16px;bottom:16px;padding:10px 17px}.portrait-label strong{font-size:1.1rem}.trust-strip>.container{display:grid;grid-template-columns:1fr;gap:12px;padding:21px 0}.trust-strip span{font-size:.87rem}.trust-strip svg{width:20px}.section{padding:57px 0}.section-heading{display:block;margin-bottom:28px}.section-heading p{margin-top:22px}h2{font-size:2rem}.cards{grid-template-columns:1fr;gap:16px}.card{padding:25px;display:grid;grid-template-columns:46px 1fr;column-gap:20px}.card .icon-box{grid-row:span 2;margin:0}.card h3{font-size:1.13rem}.card p{font-size:1rem}.section-bottom{flex-direction:column;align-items:flex-start;gap:15px}.personal-grid{grid-template-columns:1fr;gap:34px}.personal-photo img{height:310px;width:100%;object-position:50%}.personal h2{font-size:2rem}.steps{grid-template-columns:1fr;gap:18px;margin:30px 0 25px}.steps article{padding-top:22px;display:grid;grid-template-columns:50px 1fr;column-gap:18px}.step-number{grid-row:span 2;font-size:2.2rem;margin:0}.steps h3{font-size:1.15rem}.steps p{margin-bottom:6px}.faq-grid{grid-template-columns:1fr;gap:28px}.faq-grid h2 br{display:none}summary{font-size:1rem;padding:21px 0}.contact-inner{flex-direction:column;align-items:flex-start;gap:30px}.contact-band{padding:54px 0}.contact-band h2{font-size:2.1rem}.contact-band .phone-link{justify-content:flex-start}.footer-top{grid-template-columns:1fr;gap:27px;padding-top:40px;padding-bottom:30px}.footer-top>div{gap:5px}.footer-top p{margin-bottom:0}.footer-bottom{flex-direction:column;gap:14px;padding-bottom:90px}.footer-bottom>div{gap:20px;flex-wrap:wrap}.mobile-contact{display:flex;position:fixed;z-index:40;bottom:12px;left:20px;right:20px;justify-content:center;gap:12px;align-items:center;background:var(--navy);color:white;text-decoration:none;padding:14px 18px;border-radius:8px;font-size:.92rem;font-weight:700;box-shadow:0 4px 20px #052b4840}.mobile-contact:hover{color:#fff;background:#00517e}.page-hero{padding:25px 0 42px}.breadcrumb{margin-bottom:32px;font-size:.75rem;flex-wrap:wrap}.page-hero h1{font-size:2.45rem}.page-hero .lead{font-size:1.05rem}.article-grid{grid-template-columns:1fr;gap:30px}.aside-note{padding:25px}.sector-grid{grid-template-columns:1fr;gap:25px;margin-top:30px}.about-grid{grid-template-columns:1fr;gap:35px}.about-portrait{height:400px;max-width:360px;width:100%;margin:0 auto}.location-grid{grid-template-columns:1fr;gap:18px}.contact-grid{grid-template-columns:1fr;gap:30px}.contact-photo{height:260px}.contact-grid>div:first-child h2{font-size:1.8rem}.contact-option strong{font-size:1.13rem}.contact-option p{font-size:.9rem}.contact-option{gap:16px}.contact-option .icon-box{width:42px;height:42px}.contact-option>svg{width:18px}.contact-options h2{font-size:1.9rem}.contact-grid>div:first-child>p{margin-bottom:0}.legal h2{font-size:1.5rem}.source-note{overflow-wrap:anywhere}}@media(max-width:370px){.container{width:calc(100% - 30px)}.header .brand{font-size:1rem}.brand img{width:35px;height:35px}.hero h1,.page-hero h1{font-size:2.2rem}.contact-option strong{font-size:1rem}.card{grid-template-columns:1fr}.card .icon-box{margin-bottom:15px;grid-row:auto}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}

/* Approved direction: compact brand/navigation and personal navy hero. */
.header{background:linear-gradient(105deg,#deeffb 0%,#f9fcff 42%,#eaf5fc 100%);border-bottom:1px solid #d4e5f0}.header .container{width:min(1360px,calc(100% - 64px))}.header .nav-row{min-height:120px;gap:30px}.header-brand{gap:15px;letter-spacing:-.055em;flex-shrink:0}.header .header-brand img{width:88px;height:88px;mix-blend-mode:multiply}.brand-type{display:flex;flex-direction:column;gap:5px;line-height:1.1}.brand-name{font-size:1.78rem;letter-spacing:-.055em;font-weight:800}.brand-tagline{font-size:.75rem;letter-spacing:.19em;text-transform:uppercase;font-weight:500;line-height:1.4}.header nav{gap:34px}.header nav>a:not(.button){font-size:.94rem}.header .header-contact{font-size:.94rem;gap:11px;padding:14px 20px}.approved-hero{padding:0;overflow:hidden;background:linear-gradient(105deg,#042b45 0%,#073857 48%,#135e8f 67%,#bce8ff 89%,#e2f4ff 100%)}.hero-stage{width:min(1360px,calc(100% - 100px));position:relative;min-height:610px;display:flex;align-items:center}.approved-hero .hero-copy{position:relative;z-index:2;width:66%;max-width:800px;padding:58px 0 51px}.approved-hero .eyebrow{font-size:.77rem;color:#e3f2fd;letter-spacing:.15em;display:flex;align-items:center;gap:18px;margin-bottom:29px}.approved-hero .eyebrow:before{content:'';width:32px;height:2px;background:#a9d9f4;flex-shrink:0}.approved-hero h1{font-size:clamp(2.6rem,4.2vw,3.65rem);color:#fff;line-height:1.12;letter-spacing:-.043em;margin-bottom:29px}.approved-hero h1 em{color:#27bcf5}.approved-hero .lead{color:#f0f7fc;font-size:1.43rem;line-height:1.55;max-width:650px;margin-bottom:35px}.approved-hero .actions{gap:15px;flex-wrap:wrap}.hero-primary{color:var(--navy);background:#fff;border:1px solid #fff}.hero-primary:hover{background:#e5f5ff;color:var(--navy);transform:translateY(-2px)}.hero-secondary{border:1px solid #bad9ed;background:#07345444;color:#fff;gap:12px}.hero-secondary:hover{background:#ffffff16;color:#fff}.hero-trust{display:flex;align-items:center;gap:0;margin-top:49px;max-width:650px;color:#eff7fc;font-size:.87rem}.hero-trust span{padding:0 23px;border-right:1px solid #6b95b1;line-height:1.5}.hero-trust span:first-child{padding-left:0}.hero-trust span:last-child{padding-right:0;border:0}.hero-person{position:absolute;right:-48px;bottom:0;height:100%;width:650px;pointer-events:none}.hero-person>img{position:absolute;max-width:none;width:900px;height:auto;left:-224px;top:-168px;z-index:1}.portrait-frame{position:absolute;top:90px;left:152px;width:266px;height:460px;border:6px solid #d9e8ed90}.hero-motto{position:absolute;top:64px;right:-3px;font-family:'Segoe Print','Bradley Hand',cursive;font-size:1.65rem;font-style:italic;color:#093a5e;line-height:1.5;transform:rotate(-7deg);z-index:2}.hero-signature{position:absolute;right:-9px;bottom:48px;width:163px;z-index:2;color:var(--navy);font-size:.9rem;line-height:1.5}.hero-signature strong{display:block;font-family:'Segoe Print','Bradley Hand',cursive;font-style:italic;font-size:1.47rem;font-weight:500;margin-bottom:14px}.hero-signature span{display:block;border-top:1px solid #668fa8;padding-top:13px;width:145px}.process-section{padding:57px 0 52px}.process-section>.container{width:min(1300px,calc(100% - 100px))}.process-section h2{font-size:clamp(1.95rem,3.3vw,2.75rem);margin-bottom:18px}.process-intro{font-size:1.12rem;line-height:1.65;max-width:1170px;color:#355978;margin-bottom:30px}.process-section .eyebrow,.knowledge-strip .eyebrow{color:var(--navy);font-size:.76rem}.process-section .steps{gap:36px;margin:32px 0 0}.process-section .steps article{display:grid;grid-template-columns:67px 1fr;gap:20px;border:0;padding:0 30px 0 0;border-right:1px solid #d8e4ed}.process-section .steps article:last-child{border:0;padding-right:0}.process-section .step-number{color:#b8d9ed;font-weight:700;font-size:3.5rem;grid-row:auto;letter-spacing:-.05em;line-height:1.1;margin:0}.process-section .icon-box{border-radius:50%;width:57px;height:57px;margin-bottom:17px}.process-section .icon-box svg{width:28px;height:28px}.process-section h3{font-size:1.05rem;margin-bottom:12px}.process-section .steps p{font-size:.94rem;line-height:1.65;color:#4f6b80;margin:0}.knowledge-strip{background:linear-gradient(100deg,#e5f3fd,#f2f9fe);padding:40px 0}.knowledge-grid{width:min(1300px,calc(100% - 100px));display:grid;grid-template-columns:1.7fr 1fr;gap:65px;align-items:center}.knowledge-strip h2{font-size:clamp(1.7rem,2.6vw,2.3rem);margin-bottom:15px}.knowledge-strip p{font-size:1rem;color:#3e6380;line-height:1.6;margin:0}.knowledge-links a{display:flex;align-items:center;gap:18px;padding:20px 0;border-bottom:1px solid #b3cadc;color:var(--navy);text-decoration:none;font-size:1rem}.knowledge-links a:last-child{border:0}.knowledge-links a>span{flex:1}.knowledge-links a:hover{color:var(--blue)}
@media(max-width:1200px){.header .nav-row{gap:24px;min-height:109px}.header .header-brand img{width:73px;height:73px}.brand-name{font-size:1.55rem}.brand-tagline{font-size:.75rem;letter-spacing:.11em}.header nav{gap:24px}.header nav>a:not(.button){font-size:.875rem}.header .header-contact{font-size:.875rem;padding:13px 16px}.hero-stage{width:calc(100% - 80px);min-height:575px}.approved-hero .hero-copy{width:66%;padding:53px 0}.approved-hero h1{font-size:3.1rem}.approved-hero .lead{font-size:1.25rem}.approved-hero .button{font-size:.87rem;padding:14px 18px;gap:12px}.hero-person{right:-62px;width:540px}.hero-person>img{width:850px;left:-245px;top:-151px}.portrait-frame{left:106px;width:225px;top:80px}.hero-motto{font-size:1.4rem;right:7px;top:49px}.hero-signature{right:0;bottom:40px;width:148px}.hero-signature strong{font-size:1.3rem}.hero-trust{font-size:.8rem;margin-top:44px}.hero-trust span{padding:0 16px}.process-section .steps{gap:22px}.process-section .steps article{grid-template-columns:54px 1fr;gap:15px;padding-right:22px}.process-section .step-number{font-size:3rem}.knowledge-grid{gap:40px}}
@media(max-width:1050px){.header .nav-row{min-height:96px}.header .menu-toggle{display:flex;width:44px;height:44px;background:#ffffffbb;border:1px solid var(--silver);border-radius:6px;align-items:center;justify-content:center;flex-direction:column;gap:5px}.menu-toggle span{width:19px;height:2px;background:var(--navy)}.header nav{display:none;position:absolute;top:100%;left:0;right:0;background:#f5faff;border-bottom:1px solid var(--silver);padding:20px 32px;box-shadow:0 20px 24px #052b4810}.header nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0}.header nav>a:not(.button){padding:14px 0;font-size:1rem}.header .header-contact{font-size:1rem;padding:14px;margin-top:8px}.hero-stage{min-height:555px}.approved-hero .hero-copy{width:68%;padding:43px 0}.approved-hero h1{font-size:2.7rem}.approved-hero .lead{font-size:1.2rem;max-width:500px}.hero-person{width:445px;right:-32px}.hero-person>img{width:790px;left:-229px;top:-131px}.portrait-frame{left:80px;width:225px;top:72px}.hero-motto{display:none}.hero-signature{right:-8px;bottom:29px;font-size:.8rem;width:127px}.hero-signature strong{font-size:1.13rem}.hero-signature span{width:115px}.hero-trust{max-width:480px;flex-wrap:wrap;gap:12px;font-size:.8rem}.hero-trust span{padding:0 10px}.approved-hero .actions{max-width:450px}.process-section>.container,.knowledge-grid{width:calc(100% - 64px)}.process-section .steps article{grid-template-columns:1fr;gap:14px}.process-section .step-number{font-size:2.5rem}.knowledge-grid{grid-template-columns:1.4fr 1fr;gap:30px}}
@media(max-width:800px){.approved-hero{background:linear-gradient(110deg,#032b45 0%,#073857 64%,#174f74 100%)}.hero-stage{width:calc(100% - 48px);min-height:580px}.approved-hero .hero-copy{width:68%;padding:43px 0 45px}.approved-hero h1{font-size:2.43rem}.approved-hero .lead{font-size:1.1rem;max-width:400px}.approved-hero .eyebrow{font-size:.7rem;letter-spacing:.1em;gap:10px}.hero-person{width:360px;right:-32px}.hero-person>img{width:740px;left:-244px;top:-89px}.portrait-frame{left:68px;width:220px;top:101px;border-color:#bedcf245}.hero-signature{display:none}.hero-trust{display:grid;gap:10px;margin-top:30px}.hero-trust span{border:0;padding:0}.approved-hero .actions{flex-direction:column;align-items:flex-start;gap:13px}.approved-hero .button{min-width:233px}.knowledge-grid{grid-template-columns:1fr;gap:15px}.knowledge-links{display:grid;grid-template-columns:1fr 1fr;gap:28px}.knowledge-links a:last-child{border-bottom:1px solid #b3cadc}.process-section .steps{gap:20px}.process-section .steps article{padding-right:20px}}
@media(max-width:760px){.header .container{width:calc(100% - 32px)}.header .nav-row{min-height:83px;gap:12px}.header .header-brand{gap:9px}.header .header-brand img{width:56px;height:56px}.header .brand-name{font-size:1.22rem;letter-spacing:-.065em}.header .brand-tagline{font-size:.75rem;letter-spacing:0;line-height:1.3}.brand-type{gap:4px}.header .menu-toggle{width:41px;height:41px;flex-shrink:0}.approved-hero{background:linear-gradient(155deg,#042b45 0%,#063857 51%,#8dc8ec 100%)}.hero-stage{width:100%;display:flex;flex-direction:column;min-height:0;align-items:stretch}.approved-hero .hero-copy{width:100%;padding:38px 22px 0;max-width:none}.approved-hero .eyebrow{font-size:.75rem;letter-spacing:.08em;margin-bottom:22px}.approved-hero .eyebrow:before{width:24px}.approved-hero h1{font-size:clamp(2.05rem,7.2vw,2.75rem);letter-spacing:-.045em;line-height:1.13;margin-bottom:24px}.approved-hero .lead{font-size:1.11rem;max-width:100%;margin-bottom:26px}.approved-hero .lead br{display:none}.approved-hero .actions{flex-direction:row;max-width:none;gap:12px}.approved-hero .button{padding:14px 17px;min-width:0;font-size:.9rem}.approved-hero .hero-trust{display:flex;flex-wrap:wrap;font-size:.78rem;gap:12px 18px;margin-top:26px;max-width:100%}.hero-trust span{padding:0;border:0}.hero-person{position:relative;right:auto;width:100%;height:380px;margin-top:19px;background:radial-gradient(ellipse at 78% 48%,#d9f1ff 0%,#9dd5f4 20%,transparent 68%)}.hero-person>img{width:720px;left:calc(50% - 416px);top:-139px}.portrait-frame{width:218px;height:300px;left:calc(50% - 130px);top:38px;border:4px solid #d8eaf382}.hero-signature{display:block;right:21px;bottom:28px;font-size:.8rem;width:119px}.hero-signature strong{font-size:1.17rem}.hero-signature span{width:116px}.process-section{padding:43px 0}.process-section>.container,.knowledge-grid{width:calc(100% - 44px)}.process-section h2{font-size:1.95rem;line-height:1.18}.process-intro{font-size:1rem;line-height:1.65}.process-section .steps{grid-template-columns:1fr;gap:27px;margin-top:28px}.process-section .steps article{grid-template-columns:49px 1fr;gap:16px;padding:0 0 24px;border-right:0;border-bottom:1px solid #d8e4ed}.process-section .steps article:last-child{padding-bottom:0}.process-section .step-number{font-size:2.4rem}.process-section .icon-box{width:45px;height:45px;margin-bottom:13px}.process-section h3{font-size:1.07rem}.process-section .steps p{font-size:1rem}.knowledge-strip{padding:34px 0}.knowledge-strip h2{font-size:1.9rem}.knowledge-links{grid-template-columns:1fr;gap:0}.knowledge-links a{font-size:1rem}.knowledge-links a:last-child{border-bottom:0}.hero-motto{display:none}.footer-bottom>div{row-gap:14px}}
@media(max-width:370px){.header .container{width:calc(100% - 24px)}.header .header-brand img{width:45px;height:45px}.header .brand-name{font-size:1.05rem}.header .brand-tagline{font-size:.75rem;letter-spacing:-.04em}.header .header-brand{gap:7px}.approved-hero .hero-copy{padding-left:18px;padding-right:18px}.approved-hero .eyebrow{font-size:.72rem}.approved-hero h1{font-size:2rem}.hero-signature{right:12px}}

/* Hamburg is a cooperating broker location, alongside the two Finanzkontor offices. */
.location-grid-three{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.location-grid-three article{min-width:0;padding:28px 25px}.location-role{color:var(--blue);font-size:.875rem!important;font-weight:600;margin-top:-4px;margin-bottom:15px}.location-grid-three .location-route{display:flex;margin-top:14px}.footer-top .partner-link{font-size:.82rem;line-height:1.5}.location-grid-three p strong{font-weight:600}@media(max-width:900px){.location-grid-three{grid-template-columns:1fr}.location-grid-three article{padding:26px}.footer-top .partner-link{max-width:270px}}

.booking-option{background:var(--ice);border:1px solid var(--silver);border-radius:10px;margin-top:22px;padding:24px 20px}.booking-option .icon-box{background:#fff}.booking-option .booking-destination{margin:10px 0 0;font-size:.8rem;color:var(--muted)}.booking-option:hover{border-color:var(--blue)}@media(max-width:600px){.booking-option{padding:21px 15px}.booking-option strong{font-size:1.05rem}}