:root{--bg:#f7f9fb;--card:#fff;--alt:#eef1f6;--line:#dce2ea;--field:#5b6779;--text:#101826;--muted:#54607a;--brand:#154169;--brand-d:#0d2c47;--tint:#e8eff6;--cta:#c2540a;--cta-t:#a3460a;--cta-tint:#fdf1e7;--ok:#15803d;--bad:#b91c1c;--hero:#0d2c47;--hero-t:#fff;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0b121c;--card:#121c2a;--alt:#0f1824;--line:#25324a;--field:#8d9bb3;--text:#e8edf5;--muted:#a3afc4;--brand:#7db4e6;--tint:#16263a;--cta-t:#f0a066;--cta-tint:#2a1c10;--hero:#0a1a2b}}
:root[data-theme="dark"]{--bg:#0b121c;--card:#121c2a;--alt:#0f1824;--line:#25324a;--field:#8d9bb3;--text:#e8edf5;--muted:#a3afc4;--brand:#7db4e6;--tint:#16263a;--cta-t:#f0a066;--cta-tint:#2a1c10;--hero:#0a1a2b}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(76px + env(safe-area-inset-top,0px))}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;color:#000;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--cta);outline-offset:2px}
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--card);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:20px;height:68px}
.logo{background:#fff;border-radius:8px;padding:4px 8px;display:flex}.logo img{height:44px;width:auto;display:block}
nav{margin-left:auto;display:flex;gap:4px;align-items:center}
nav a{color:var(--text);text-decoration:none;padding:10px 12px;border-radius:8px;font-weight:600;font-size:15px}
nav a:hover{background:var(--tint)}
.btn{display:inline-block;background:var(--cta);color:#fff!important;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:10px;border:0;font-size:16px;cursor:pointer;font-family:inherit}
.btn:hover{filter:brightness(.92)}
.btn.ghost{background:transparent;color:var(--hero-t)!important;border:2px solid rgba(255,255,255,.55)}
nav .btn{padding:10px 16px;font-size:15px}
.menu{display:none;margin-left:auto;background:var(--tint);color:var(--text);border:0;border-radius:8px;padding:10px 14px;font-weight:700;font-family:inherit}
.hero{background:var(--hero);color:var(--hero-t);padding:64px 0 76px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-60px;width:520px;height:520px;border-radius:50%;border:60px solid rgba(30,144,255,.18)}
.hero .wrap{position:relative;z-index:1}
.eyebrow{font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:13px;color:#8cc4f5}
h1{font-size:clamp(32px,5.2vw,54px);line-height:1.1;margin:10px 0 16px;max-width:760px}
h1 em{font-style:normal;color:#5fb0ff}
.lead{font-size:19px;max-width:620px;opacity:.92}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.facts{display:flex;gap:10px 28px;flex-wrap:wrap;margin:34px 0 0;padding:0;list-style:none;font-size:15px;opacity:.9}
.facts li::before{content:"✓ ";color:#5fb0ff;font-weight:700}
section{padding:68px 0}section.alt{background:var(--alt)}
h2{font-size:clamp(26px,3.6vw,36px);line-height:1.2;margin:0 0 10px;color:var(--text)}
.sub{color:var(--muted);max-width:640px;margin:0 0 34px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;display:flex;flex-direction:column;gap:8px}
.card h3{margin:0;font-size:20px}.card p{margin:0;color:var(--muted)}
.ico{width:48px;height:48px;border-radius:50%;background:var(--tint);display:grid;place-items:center;margin-bottom:6px}
.ico svg{width:26px;height:26px;stroke:var(--brand);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card a.more{margin-top:auto;padding-top:10px;font-weight:700;color:var(--cta-t);text-decoration:none}
.card a.more:hover{text-decoration:underline}
.notice{background:var(--cta-tint);border-left:5px solid var(--cta);border-radius:10px;padding:18px 22px;margin-top:26px}
.notice strong{color:var(--cta-t)}
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));padding:0;margin:0;list-style:none}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:10px}
html[data-theme="dark"] .steps li::before{color:#0b121c}
.steps b{display:block;font-size:18px;margin-bottom:4px}.steps span{color:var(--muted)}
.two{display:grid;gap:40px;grid-template-columns:1fr 1fr;align-items:start}
.checks{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:10px}
.checks li{padding-left:30px;position:relative}.checks li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
summary{cursor:pointer;padding:16px 20px;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::after{content:"+";font-size:22px;line-height:1;color:var(--cta-t)}details[open] summary::after{content:"–"}
details p{margin:0;padding:0 20px 18px;color:var(--muted)}
form{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:26px;display:grid;gap:14px}
label{font-weight:600;font-size:15px;display:grid;gap:6px}
input,select,textarea{font:inherit;color:var(--text);background:var(--bg);border:2px solid var(--field);border-radius:10px;padding:11px 12px;width:100%}
input::placeholder,textarea::placeholder{color:#697488}
.row{display:grid;gap:14px;grid-template-columns:1fr 1fr}
.err{color:var(--bad);font-size:14px;min-height:0;font-weight:600}
.small{font-size:14px;color:var(--muted)}
.contact-list{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px}
footer{background:var(--hero);color:#cfdaea;padding:48px 0 28px;font-size:15px}
footer a{color:#cfdaea}footer h4{color:#fff;margin:0 0 10px;font-size:16px}
.fgrid{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr 1fr}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.legal{border-top:1px solid rgba(255,255,255,.18);margin-top:30px;padding-top:18px;font-size:13px;opacity:.85}
.ph{background:#fff3c4;color:#4a3a00;padding:0 4px;border-radius:3px}
@media(max-width:820px){.menu{display:block}nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--card);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 18px}nav.open{display:flex}.two,.fgrid,.row{grid-template-columns:1fr}.hero{padding:44px 0 56px}section{padding:50px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.page{padding:48px 0 70px}.page .wrap{max-width:820px}.page h1{font-size:clamp(28px,4.4vw,42px);margin:8px 0 12px;color:var(--text)}.page h2{margin:32px 0 10px;font-size:22px}
.lead2{font-size:18px;color:var(--muted);margin:0}.crumb{font-weight:700;text-decoration:none}.page .cta{margin-top:34px}
.ok{color:var(--ok);font-weight:600}.mbar{display:none}
@media(max-width:820px){.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:30;gap:8px;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:var(--card);border-top:1px solid var(--line)}.mbar a{flex:1;text-align:center;padding:12px 8px;font-weight:700;border-radius:10px;text-decoration:none;background:var(--tint);color:var(--text)}.mbar a.btn{background:var(--cta);color:#fff}body{padding-bottom:76px}}