:root{--brand:#0b3d91;--accent:#ffc83d;--ink:#14213d;--mut:#5b6478;--bg:#fff;--alt:#f4f7fc;--r:14px}
@media(prefers-color-scheme:dark){:root{--ink:#e8ecf5;--mut:#a3adc2;--bg:#0e1424;--alt:#151d33}}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}@media(prefers-color-scheme:dark){a{color:#8fb4ff}}
.wrap{max-width:1140px;margin:auto;padding:0 20px}.narrow{max-width:780px}.center{text-align:center}.mut{color:var(--mut)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.hd{position:sticky;top:0;z-index:50;background:var(--bg);border-bottom:1px solid #8883}
.hdin{display:flex;align-items:center;gap:20px;height:64px}.logo{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-size:20px}.logo b{color:var(--brand)}
nav{display:flex;gap:18px;margin-left:auto;align-items:center}nav a,.dd button{color:var(--ink);text-decoration:none;background:none;border:0;font:inherit;cursor:pointer}
.dd{position:relative}.ddm{display:none;position:absolute;top:100%;left:0;background:var(--bg);border:1px solid #8884;border-radius:12px;padding:8px;min-width:200px;box-shadow:0 10px 30px #0003}.dd:hover .ddm,.dd:focus-within .ddm{display:grid}.ddm a{padding:6px 10px}
.burger{display:none;background:none;border:0;font-size:24px;color:var(--ink)}
.btn{display:inline-block;background:var(--accent);color:#1a1a1a;font-weight:700;padding:13px 24px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:16px}.btn:hover{filter:brightness(.95)}
.btn.sm{padding:9px 16px;font-size:14px}.btn.ghost{background:transparent;border:2px solid #fff;color:#fff}.btn.light{background:#fff}
.hero{background:linear-gradient(135deg,#0b3d91,#1b66d1);color:#fff;padding:56px 0}.hero.sm{padding:44px 0}.hg{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}
.hero h1{font-size:clamp(30px,4.5vw,46px);line-height:1.15;margin:.2em 0}.eyebrow{color:var(--accent);font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:13px}.lead{font-size:18px;opacity:.95}
.ticks{list-style:none;padding:0}.ticks li:before{content:"✓ ";color:var(--accent);font-weight:700}.ticks.dark li:before{color:var(--brand)}.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.form{background:var(--bg);color:var(--ink);padding:24px;border-radius:var(--r);box-shadow:0 20px 50px #0004;display:grid;gap:12px}.form h3{margin:0}.form p{margin:0}
.form label{display:grid;gap:4px;font-size:14px;font-weight:600}input,select{padding:11px;border:1px solid #8886;border-radius:10px;font:inherit;background:var(--bg);color:var(--ink)}
.fine{font-size:12px;color:var(--mut)}.form.ok{text-align:center}
.trust{background:var(--alt)}.tg{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:22px 20px}.tg b{display:block;font-size:28px;color:var(--brand)}.tg span{color:var(--mut);font-size:14px}
.sec{padding:60px 0}.alt{background:var(--alt)}h2{font-size:clamp(24px,3.2vw,34px);text-align:center;margin:0 0 28px}.narrow h2{text-align:left;margin-top:32px}
.grid{display:grid;gap:18px}.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--bg);border:1px solid #8883;border-radius:var(--r);padding:20px;text-decoration:none;color:var(--ink);display:block;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px #0002}.card h3{margin:0 0 6px}.card p{margin:0;color:var(--mut)}
.card.c{text-align:center}.fl{font-size:34px;display:block}.card small{color:var(--mut)}.more{color:var(--brand);font-weight:600}
.steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:0}.steps li{counter-increment:s;background:var(--alt);padding:20px;border-radius:var(--r)}.steps li:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;margin-bottom:8px}.steps b,.steps span{display:block}.steps span{color:var(--mut);font-size:14px}
.chips{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.chips span{background:var(--bg);border:1px solid #8884;padding:10px 22px;border-radius:999px;font-weight:700}
.facts{display:grid;gap:12px;grid-template-columns:repeat(3,1fr)}.facts div{background:var(--alt);padding:16px;border-radius:12px}.facts b{display:block;color:var(--brand)}.facts span{font-size:14px}
details{border:1px solid #8884;border-radius:12px;padding:14px 18px;margin:10px 0}summary{cursor:pointer;font-weight:600}
.cta2{background:var(--brand);color:#fff}.cta2 h2{color:#fff}.prose p{font-size:18px}.lead2{font-size:20px;color:var(--mut)}.note{background:var(--alt);padding:16px;border-radius:12px;margin-top:24px}
.ft{background:#0a1226;color:#cfd7ea;padding:44px 0 16px}.ft a{display:block;color:#cfd7ea;text-decoration:none;margin:4px 0}.ft .logo{display:flex;color:#fff}.ft .logo b{color:var(--accent)}.ft h4{color:#fff}.fg{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:24px}.copy{text-align:center;font-size:13px;opacity:.7;margin-top:28px}
.wa{position:fixed;right:16px;bottom:16px;background:#25d366;color:#fff;padding:12px 18px;border-radius:999px;text-decoration:none;font-weight:700;z-index:60;box-shadow:0 8px 20px #0004}
@media(max-width:900px){.hg,.fg{grid-template-columns:1fr}.g4{grid-template-columns:repeat(2,1fr)}.g3,.steps,.facts{grid-template-columns:1fr}.tg{grid-template-columns:repeat(2,1fr);gap:14px}
nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg);flex-direction:column;align-items:flex-start;padding:16px 20px;border-bottom:1px solid #8883}nav.open{display:flex}.ddm{position:static;display:grid;box-shadow:none;border:0}.burger{display:block;margin-left:auto}.hdin .btn.sm{display:none}}