:root{--ink:#14202e;--ink2:#4a5868;--line:#dde3ea;--bg:#ffffff;--soft:#f4f7fa;--brand:#0b4f8a;--brand2:#0a3d6b;--accent:#e8a33d;--ok:#1e7a4c;--err:#b3261e;--r:10px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.logo b{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:8px;background:var(--brand);color:#fff;font-size:14px}
.logo span{font-weight:700;line-height:1.1}.logo small{display:block;font-weight:400;color:var(--ink2);font-size:12px}
nav.main{display:flex;gap:18px;align-items:center;font-size:15px}
nav.main a{text-decoration:none;color:var(--ink)}nav.main a:hover{color:var(--brand)}
.btn{display:inline-block;padding:11px 20px;border-radius:8px;background:var(--brand);color:#fff!important;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:15px}
.btn:hover{background:var(--brand2)}.btn.ghost{background:transparent;color:var(--brand)!important;border:1.5px solid var(--brand)}
.btn.small{padding:8px 14px;font-size:14px}
#menu{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 10px;font-size:15px}
@media(max-width:860px){nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px;border-bottom:1px solid var(--line)}nav.main.open{display:flex}#menu{display:block}}
.hero{background:linear-gradient(135deg,#0a3d6b,#0b4f8a 60%,#1667a8);color:#fff;padding:80px 0 72px}
.hero h1{font-size:clamp(30px,4.4vw,48px);line-height:1.15;margin:0 0 18px;max-width:820px}
.hero p.lead{font-size:clamp(17px,2vw,20px);max-width:720px;opacity:.94;margin:0 0 28px}
.hero .btn{background:var(--accent);color:#1d1d1d!important}.hero .btn:hover{background:#f0b252}
.hero .btn.ghost{background:transparent;color:#fff!important;border-color:#fff}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.tagline{display:inline-block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;background:rgba(255,255,255,.14);padding:5px 12px;border-radius:99px;margin-bottom:18px}
section{padding:72px 0}section.soft{background:var(--soft)}
h2{font-size:clamp(25px,3vw,34px);line-height:1.2;margin:0 0 12px}
.sub{color:var(--ink2);max-width:760px;margin:0 0 36px;font-size:17px}
.grid{display:grid;gap:20px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card h3{margin:0 0 8px;font-size:19px}.card p{margin:0;color:var(--ink2)}
.card .k{font-size:13px;font-weight:700;color:var(--brand);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--ink2)}
.path{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff}
.path>div{padding:26px;border-right:1px solid var(--line);position:relative}.path>div:last-child{border-right:0}
.path .n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:10px}
.path h3{margin:0 0 4px}.path .age{color:var(--brand);font-weight:600;font-size:14px;margin-bottom:8px}.path p{margin:0;color:var(--ink2)}
@media(max-width:760px){.path{grid-template-columns:1fr}.path>div{border-right:0;border-bottom:1px solid var(--line)}}
table.t{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;font-size:15px}
table.t th,table.t td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
table.t th{background:var(--soft);font-weight:600}
.tablewrap{overflow-x:auto}
.note{font-size:14px;color:var(--ink2);margin-top:14px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 18px 64px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:18px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--soft);color:var(--brand);font-weight:700;display:grid;place-items:center;border:1px solid var(--line)}
.steps b{display:block}
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin-bottom:10px}
details summary{cursor:pointer;font-weight:600}details p{color:var(--ink2);margin:10px 0 0}
.band{background:var(--brand2);color:#fff;padding:56px 0;text-align:center}
.band h2{color:#fff}.band p{opacity:.9;max-width:680px;margin:0 auto 24px}
.band .btn{background:var(--accent);color:#1d1d1d!important}
footer{background:#0d1824;color:#b8c3cf;padding:40px 0;font-size:14px}
footer a{color:#dbe5ee}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
@media(max-width:700px){footer .cols{grid-template-columns:1fr}}
footer h4{color:#fff;margin:0 0 8px;font-size:15px}footer p{margin:0 0 6px}
.cred{font-size:13px;color:#8fa0b2;margin-top:10px}
/* form */
.formcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;max-width:820px}
.f{display:grid;gap:16px}.f .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.f .row{grid-template-columns:1fr}}
.f label{display:block;font-weight:600;font-size:14px;margin-bottom:6px}
.f label .opt{font-weight:400;color:var(--ink2)}
.f input[type=text],.f input[type=email],.f input[type=tel],.f input[type=number],.f select,.f textarea{width:100%;padding:11px 12px;border:1px solid #c5ced8;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid #9cc3e6;border-color:var(--brand)}
.f textarea{min-height:110px;resize:vertical}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:8px}@media(max-width:640px){.checks{grid-template-columns:1fr}}
.checks label,.consent label{font-weight:400;display:flex;gap:10px;align-items:flex-start;margin:0;font-size:15px}
.checks input,.consent input{margin-top:4px;flex:none}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.alert{padding:14px 16px;border-radius:8px;margin-bottom:18px}
.alert.err{background:#fdecea;color:var(--err);border:1px solid #f5c2be}
.alert.ok{background:#e8f5ee;color:var(--ok);border:1px solid #b9e0c9}
.pill{display:inline-block;font-size:12px;font-weight:700;background:#fff4e0;color:#8a5a00;border-radius:99px;padding:3px 10px;margin-left:8px;vertical-align:middle}