:root{--primary:#153F59;--secondary:#E2A63B;--ink:#13202A;--soft:#EEF4F7;--accent:#9A4432;--white:#fff;--line:#d9e0e3;--shadow:0 16px 45px rgba(15,30,40,.10);--radius:18px;--max:1180px}
.step-card{position:relative;padding-top:66px}
.step-number{position:absolute;top:22px;left:24px;display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--secondary);color:var(--ink);font-weight:900}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:var(--primary);text-decoration-thickness:1px;text-underline-offset:3px}
img{max-width:100%;height:auto}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.narrow{max-width:850px}
.skip-link{position:absolute;left:-999px;top:auto}
.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:100}
.topbar{background:var(--ink);color:#fff;font-size:.88rem}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.topbar a{color:#fff}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(20,40,50,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-weight:800;line-height:1.1}
.brand small{display:block;font-weight:600;font-size:.72rem;color:#5a6971;margin-top:5px}
.nav{display:flex;align-items:center;gap:18px}
.nav>a:not(.button){text-decoration:none;color:var(--ink);font-weight:650;font-size:.94rem}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;padding:9px 13px;border-radius:10px;font-weight:700}
.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--primary);color:#fff;border:2px solid var(--primary);padding:12px 18px;border-radius:999px;text-decoration:none;font-weight:800;box-shadow:0 8px 20px rgba(20,60,80,.14);cursor:pointer}
.button:hover{transform:translateY(-1px)}
.button.small{padding:9px 14px;font-size:.9rem}
.button.secondary{background:transparent;color:var(--primary);box-shadow:none}
.button.light{background:#fff;color:var(--primary);border-color:#fff}
.hero{background:linear-gradient(135deg,var(--soft),#fff 62%);padding:74px 0 66px;border-bottom:1px solid rgba(20,40,50,.06)}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:52px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:900;color:var(--accent)}
h1,h2,h3{line-height:1.15;margin:0 0 18px}
h1{font-size:clamp(2.45rem,6vw,4.8rem);letter-spacing:-.045em;max-width:860px}
h2{font-size:clamp(1.75rem,3.5vw,2.65rem);letter-spacing:-.025em}
h3{font-size:1.18rem}
.lead{font-size:1.25rem;max-width:730px;color:#40515a}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}
.trust-row{display:flex;flex-wrap:wrap;gap:8px}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;font-size:.83rem;font-weight:700}
.hero-art{padding:20px}
.section{padding:72px 0}
.section.soft{background:var(--soft)}
.section.answer{padding:52px 0;background:#fff}
.answer-text{font-size:1.17rem;border-left:5px solid var(--secondary);padding:4px 0 4px 22px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:26px}
.card{background:#fff;border:1px solid rgba(20,40,50,.10);border-radius:var(--radius);padding:24px;box-shadow:0 8px 24px rgba(20,40,50,.05)}
.soft .card{background:rgba(255,255,255,.78)}
.card p{margin-bottom:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start}
.panel{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid rgba(20,40,50,.10);box-shadow:var(--shadow)}
.checklist{padding:0;margin:20px 0;list-style:none}
.checklist li{position:relative;padding:8px 0 8px 29px;border-bottom:1px solid rgba(20,40,50,.08)}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:900}
.source-note{font-size:.86rem;color:#52636b;border-top:1px solid var(--line);padding-top:14px;margin-top:20px}
.faq details{background:#fff;border:1px solid rgba(20,40,50,.10);border-radius:14px;padding:0 19px;margin:11px 0}
.faq summary{cursor:pointer;font-weight:800;padding:17px 0}
.faq p{padding:0 0 17px;margin:0}
.cta-section{padding-top:34px}
.cta-band{display:flex;justify-content:space-between;align-items:center;gap:30px;background:var(--primary);color:#fff;border-radius:24px;padding:36px}
.cta-band h2{margin-bottom:8px}
.cta-band p{margin:0;color:rgba(255,255,255,.82)}
.form-layout{display:grid;grid-template-columns:.72fr 1.28fr;gap:44px;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid .full{grid-column:1/-1}
label{font-weight:750;font-size:.92rem;display:block;margin-bottom:5px}
input,select,textarea{width:100%;border:1px solid #b9c4c9;border-radius:10px;padding:12px 13px;font:inherit;background:#fff}
textarea{min-height:135px;resize:vertical}
.form-note{font-size:.84rem;color:#5d6c73}
.checkbox{display:flex;gap:10px;align-items:flex-start}
.checkbox input{width:auto;margin-top:5px}
.hp-field{position:absolute;left:-9999px}
.alert{padding:13px;border-radius:10px;margin-bottom:14px}
.alert.error{background:#fff0ed;color:#7e2f20;border:1px solid #efc0b8}
.footer{background:var(--ink);color:#eaf0f2;padding:62px 0 24px;margin-top:60px}
.footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:34px}
.footer ul{list-style:none;padding:0}
.footer li{margin:8px 0}
.fine{border-top:1px solid rgba(255,255,255,.16);margin-top:34px;padding-top:18px;font-size:.8rem;color:#bac6ca}
.legal{max-width:850px}
.legal h2{margin-top:36px}
.not-ready{background:#fff6d9;border:1px solid #e4c35c;padding:14px;border-radius:12px}
.error-page{text-align:center;padding:100px 0}
.source-list li{margin-bottom:12px}
@media(max-width:900px){.hero-grid,.split,.form-layout{grid-template-columns:1fr}
.hero-art{max-width:600px;margin:auto}
.card-grid{grid-template-columns:1fr 1fr}
.nav{display:none;position:absolute;top:78px;left:16px;right:16px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}
.nav.open{display:flex}
.menu-toggle{display:block}
.topbar .container{display:block}
.topbar a{display:none}
}
@media(max-width:620px){.card-grid,.form-grid,.footer-grid{grid-template-columns:1fr}
.hero{padding:54px 0}
.section{padding:54px 0}
.cta-band{align-items:flex-start;flex-direction:column}
.nav-wrap{min-height:70px}
.brand{font-size:.9rem}
.brand img{width:38px;height:38px}
}