:root{
  --brand:#0b5cff;--brand-d:#0846c4;--navy:#0b2545;--ink:#0f1b2d;--muted:#5a6b82;
  --line:#e3e9f2;--bg:#ffffff;--alt:#f4f7fb;--accent:#13c2a3;--radius:14px;
  --shadow:0 10px 30px rgba(11,37,69,.08);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img,svg{max-width:100%}
a{color:var(--brand)}
a:hover{color:var(--brand-d)}
h1,h2,h3{line-height:1.2;margin:0 0 .6em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.25rem)}
h2{font-size:clamp(1.5rem,3vw,2.2rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.ico{width:20px;height:20px;flex:none}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--brand);margin-bottom:.8em}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.small{font-size:.875rem;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;background:var(--brand);color:#fff;font-weight:600;text-decoration:none;border:2px solid var(--brand);cursor:pointer;font:inherit;font-weight:600;transition:.2s}
.btn:hover{background:var(--brand-d);border-color:var(--brand-d);color:#fff}
.btn-sm{padding:9px 16px;font-size:.92rem}
.btn-ghost{background:transparent;color:var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:#e8efff;border-color:#e8efff;color:var(--navy)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.link-btn{background:none;border:0;padding:0;font:inherit;color:inherit;cursor:pointer;text-decoration:underline}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand-mark{width:38px;height:38px}
.brand-text{display:flex;flex-direction:column;font-size:1.05rem;line-height:1.1}
.brand-text strong{display:inline}
.brand-text small{font-size:.68rem;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;margin-top:3px}
.site-nav{display:flex;align-items:center;gap:28px}
.site-nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
.site-nav ul a{color:var(--ink);text-decoration:none;font-weight:500;padding:6px 0;border-bottom:2px solid transparent}
.site-nav ul a:hover,.site-nav ul a[aria-current]{color:var(--brand);border-color:var(--brand)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;padding:10px}
.nav-toggle span{display:block;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
@media (max-width:860px){
  .nav-toggle{display:block}
  .site-nav{position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;display:none;box-shadow:var(--shadow)}
  .site-nav.open{display:flex}
  .site-nav ul{flex-direction:column;gap:0}
  .site-nav ul a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}
  .site-nav .btn{margin-top:14px}
  .nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
  .nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#dfe9ff 0,transparent 60%),linear-gradient(180deg,#f7faff,#fff);padding:80px 0 70px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}
.hero-points{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 22px;color:var(--muted);font-size:.95rem}
.hero-points li{display:flex;align-items:center;gap:6px}
.hero-points .ico{color:var(--accent)}
.hero-visual{position:relative;height:380px}
.hv-ring{position:absolute;inset:30px;border-radius:50%;background:conic-gradient(from 200deg,var(--brand),var(--accent),var(--brand));opacity:.12;filter:blur(2px)}
.hv-card{position:absolute;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px 20px;display:grid;grid-template-columns:auto 1fr;column-gap:12px;align-items:center;min-width:220px;z-index:1}
.hv-card .ico{grid-row:span 2;width:36px;height:36px;padding:8px;border-radius:10px;background:#eaf1ff;color:var(--brand)}
.hv-card span{font-size:.8rem;color:var(--muted)}
.hv-card strong{font-size:1.2rem;color:var(--navy)}
.hv-1{top:20px;left:0}.hv-2{top:150px;right:0}.hv-3{bottom:20px;left:30px}
.hv-2 .ico{background:#e2f8f3;color:var(--accent)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-visual{display:none}.hero{padding:56px 0}}

.page-hero{background:linear-gradient(135deg,var(--navy),#123a6b);color:#fff;padding:64px 0 56px}
.page-hero h1{color:#fff}
.page-hero .lead{color:#c9d6ea}
.page-hero .kicker{color:#7fb0ff}
.page-hero.nf{padding:100px 0;text-align:left}

/* sections */
.section{padding:84px 0}
.section.alt{background:var(--alt)}
.section-head{max-width:720px;margin-bottom:44px}
.section-head p:last-child{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.cards .card{grid-column:span 2}
.cards .card:nth-child(4),.cards .card:nth-child(5){grid-column:span 3}
@media (max-width:980px){.cards{grid-template-columns:1fr 1fr}.cards .card,.cards .card:nth-child(4){grid-column:auto}.cards .card:nth-child(5){grid-column:1/-1}}
@media (max-width:600px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#cbd8ee}
.card p{color:var(--muted);flex:1}
.card-ico{width:52px;height:52px;border-radius:12px;background:#eaf1ff;color:var(--brand);display:grid;place-items:center;margin-bottom:18px;flex:none}
.card-ico .ico{width:26px;height:26px}
.more{font-weight:600;text-decoration:none}
.more:hover{text-decoration:underline}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.split > div p{color:var(--muted)}
.features{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.features li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.section:not(.alt) .features li{background:var(--alt);border-color:transparent}
.features p{color:var(--muted);margin:0;font-size:.95rem}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:36px}}
@media (max-width:560px){.features{grid-template-columns:1fr}}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.steps li{border-top:3px solid var(--brand);padding-top:18px}
.steps span{font-weight:800;color:var(--brand);font-size:.9rem}
.steps h3{margin-top:6px}
.steps p{color:var(--muted);margin:0}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

.cta{background:linear-gradient(120deg,var(--brand),#0a3fb0);color:#fff;padding:64px 0}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:.3em}
.cta p{color:#dbe6ff;margin:0}
.cta-actions{display:flex;gap:12px;flex-wrap:wrap}

/* services page / legal */
.svc-layout{display:grid;grid-template-columns:240px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:96px}
.toc-title{font-weight:700;color:var(--navy);font-size:.85rem;text-transform:uppercase;letter-spacing:.08em}
.toc ul{list-style:none;padding:0;margin:0;border-left:2px solid var(--line)}
.toc a{display:block;padding:7px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--muted);text-decoration:none;font-size:.95rem}
.toc a:hover,.toc a.active{color:var(--brand);border-color:var(--brand)}
.svc{padding:36px 0;border-bottom:1px solid var(--line);scroll-margin-top:90px}
.svc:first-child{padding-top:0}
.svc:last-child{border-bottom:0}
.svc-head{display:flex;gap:18px;align-items:center;margin-bottom:12px}
.svc-head .card-ico{margin:0}
.svc-head .kicker{margin:0 0 4px}
.svc-head h2{margin:0}
.svc-lead{font-size:1.1rem;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:0 0 20px;display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.ticks .ico{color:var(--accent);margin-top:3px}
@media (max-width:900px){.svc-layout{grid-template-columns:1fr;gap:24px}.toc{position:static}.toc ul{display:flex;flex-wrap:wrap;border:0;gap:8px}.toc a{border:1px solid var(--line);border-radius:999px;padding:6px 14px;margin:0}}
@media (max-width:600px){.ticks{grid-template-columns:1fr}}
.prose{max-width:760px}
.prose section{scroll-margin-top:90px;margin-bottom:34px}
.prose h2{font-size:1.4rem}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.5em}
.table-wrap{overflow-x:auto;margin-bottom:1em}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--alt);color:var(--navy)}

.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.fact{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:grid;grid-template-columns:auto 1fr;column-gap:14px}
.fact .ico{grid-row:span 2;width:24px;height:24px;color:var(--brand);margin-top:2px}
.fact span{font-size:.82rem;color:var(--muted)}
.fact strong{color:var(--navy);word-break:break-word}

/* contact */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.contact-info{display:grid;gap:14px}
.ci{display:flex;gap:16px;padding:20px;border:1px solid var(--line);border-radius:var(--radius);background:var(--alt)}
.ci > .ico{width:40px;height:40px;padding:9px;border-radius:10px;background:#fff;color:var(--brand)}
.ci span{display:block;font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:600}
.ci a,.ci address,.ci p{font-style:normal;margin:0;color:var(--navy);font-weight:500;word-break:break-word}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow);scroll-margin-top:90px}
.form label{display:block;font-weight:600;font-size:.92rem;margin-bottom:16px;color:var(--navy)}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid #cdd7e5;border-radius:10px;font:inherit;font-weight:400;color:var(--ink);background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(11,92,255,.15)}
.form .invalid{border-color:#d93636}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form .check{display:flex;gap:10px;font-weight:400;color:var(--muted);font-size:.9rem}
.form .check input{width:18px;height:18px;margin:3px 0 0;flex:none}
.hp{position:absolute!important;left:-9999px!important;height:1px;overflow:hidden}
.form-status{padding:14px 16px;border-radius:10px;margin-bottom:18px;font-weight:500}
.form-status.ok{background:#e3f8f2;color:#0b6b57}
.form-status.err{background:#fdeaea;color:#9b1c1c}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
@media (max-width:560px){.row2{grid-template-columns:1fr;gap:0}.form{padding:22px}}

/* footer */
.site-footer{background:var(--navy);color:#b8c6dc;padding:64px 0 0;font-size:.95rem}
.site-footer a{color:#dbe6f5;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer h3{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em}
.site-footer .brand{color:#fff;margin-bottom:14px}
.site-footer .brand-text small{color:#8ea3c2}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px;padding-bottom:40px}
.footer-grid ul{list-style:none;margin:0;padding:0}
.footer-grid li{margin-bottom:9px}
.f-contact li{display:flex;gap:10px;align-items:flex-start}
.f-contact .ico{color:#7fb0ff;margin-top:3px}
.legal{border-top:1px solid rgba(255,255,255,.12);padding:26px 20px 30px}
.reg{display:flex;flex-wrap:wrap;gap:12px 32px;margin:0 0 14px;font-size:.85rem}
.reg dt{color:#8ea3c2;font-size:.75rem;text-transform:uppercase;letter-spacing:.06em}
.reg dd{margin:0;color:#e6edf7}
.copy{font-size:.82rem;color:#8ea3c2;margin:0}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}

/* cookie */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 20px 50px rgba(11,37,69,.2);padding:20px 22px;z-index:90;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.cookie[hidden]{display:none}
.cookie p{margin:0;flex:1 1 320px;font-size:.92rem;color:var(--muted)}
.cookie-actions{display:flex;gap:10px}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}