:root{--navy:#1B3A7A;--teal:#0E7C86;--teal-2:#1FB6C9;--bg:#F7FAFB;--text:#0B2545;--muted:#5B6B7B;--line:#E3EAEE;--accent:#F4A261}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 'Plus Jakarta Sans',-apple-system,system-ui,Segoe UI,Roboto,sans-serif;color:var(--text);background:#fff}
a{color:var(--teal);text-decoration:none}img{max-width:100%;height:auto;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:10}
.nav{display:flex;align-items:center;gap:18px;height:68px}.nav .logo img{height:40px}.nav .links{display:flex;gap:18px;margin-left:auto;align-items:center}.nav .links a{color:var(--text);font-weight:600;font-size:15px}
.btn{display:inline-block;padding:12px 20px;border-radius:12px;font-weight:700;background:var(--teal);color:#fff;border:0;cursor:pointer;font-size:15px}.btn.navy{background:var(--navy)}.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}.btn.lg{padding:15px 26px;font-size:17px}
.hero{background:linear-gradient(180deg,#EAF6F8 0,#fff 100%);padding:56px 0 40px}.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center}
.hero h1{font-size:46px;line-height:1.1;margin:0 0 14px;color:var(--navy);letter-spacing:-.02em}.hero h1 span{color:var(--teal)}.hero p.lead{font-size:19px;color:var(--muted);margin:0 0 24px}
.cta{display:flex;gap:12px;flex-wrap:wrap}.hero img{border-radius:24px;box-shadow:0 24px 60px rgba(11,37,69,.18)}
.trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:22px;color:var(--muted);font-size:14px}.trust b{color:var(--navy)}
section{padding:56px 0}section.alt{background:var(--bg)}h2{font-size:32px;line-height:1.15;margin:0 0 10px;color:var(--navy);letter-spacing:-.01em}.sub{color:var(--muted);font-size:17px;margin:0 0 30px;max-width:640px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.card .ic{width:46px;height:46px;border-radius:12px;background:#E6F4F5;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:12px}.card h3{margin:0 0 6px;font-size:18px}.card p{margin:0;color:var(--muted);font-size:15px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.steps div{position:relative;padding:18px 18px 18px 18px;background:#fff;border:1px solid var(--line);border-radius:16px}.steps div::before{counter-increment:s;content:counter(s);display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}.steps b{display:block;margin-bottom:4px}.steps span{color:var(--muted);font-size:14px}
.split img{border-radius:22px;box-shadow:0 16px 40px rgba(11,37,69,.14)}.split ul{padding-left:0;list-style:none;margin:16px 0 22px}.split li{padding:8px 0 8px 32px;position:relative}.split li::before{content:'✓';position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:#E6F4F5;color:var(--teal);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.band{background:var(--navy);color:#fff;padding:56px 0;text-align:center}.band h2{color:#fff}.band p{color:#cfd8e3;max-width:600px;margin:0 auto 22px}.band .btn{background:#fff;color:var(--navy)}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{font-weight:700;cursor:pointer;font-size:16px}.faq p{color:var(--muted);margin:8px 0 0}
footer{background:#0B2545;color:#cfd8e3;padding:40px 0 24px;font-size:14px}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}footer h4{color:#fff;margin:0 0 10px;font-size:14px;letter-spacing:.04em;text-transform:uppercase}footer a{color:#cfd8e3;display:block;margin:4px 0}footer .logo img{height:36px;filter:brightness(0) invert(1);opacity:.95;margin-bottom:10px}footer .fine{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;color:#8fa3b5}
.page{padding:48px 0}.page h1{font-size:38px;color:var(--navy);margin:0 0 8px}.page .prose{max-width:760px}.prose h2{font-size:22px;margin:30px 0 8px}.prose p,.prose li{color:#334;font-size:16px}.prose ol,.prose ul{padding-left:22px}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:30px}.contact .card p{font-size:16px;color:var(--text)}.contact form input,.contact form textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit;margin:6px 0 14px}
.choose{display:grid;grid-template-columns:1fr 1fr;gap:20px}.choose .card{padding:28px;border-width:2px}.choose .card.c{border-color:var(--teal)}.choose .card.v{border-color:var(--navy)}.choose h3{font-size:22px;margin:8px 0}.choose .btn{margin-top:12px;display:block;text-align:center}
@media (max-width:820px){
  .hero .wrap,.grid2,.contact,.choose{grid-template-columns:1fr;gap:22px}
  .hero{padding:28px 0 24px}.hero h1{font-size:32px}.hero p.lead{font-size:17px}.hero img{margin-top:6px;border-radius:18px}
  .cta .btn{width:100%;text-align:center}.trust{gap:8px;font-size:13px}.trust span{display:block}
  section{padding:36px 0}h2{font-size:26px}.sub{font-size:15px;margin-bottom:20px}
  .grid3,.steps{grid-template-columns:1fr;gap:12px}
  .grid2 img{order:2}.grid2 .split{order:1}
  .band{padding:40px 0}.band .btn{width:100%;max-width:360px}
  footer .cols{grid-template-columns:1fr 1fr;gap:18px}footer .cols>div:first-child{grid-column:1/-1}
  .nav{height:60px}.nav .logo img{height:34px}.nav .links a:not(.btn){display:none}.nav .btn{padding:10px 14px;font-size:14px}
  .page h1{font-size:30px}
}