:root{--n:#0a2342;--b:#11447a;--g:#d4a93a;--p:#eef3f9;--t:#1c2733;--m:#56657a;--l:#d5dce7}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "Avenir Next","Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--t);background:#fff;-webkit-text-size-adjust:100%}
h1,h2,h3{font-weight:800;letter-spacing:-.02em;line-height:1.15;color:var(--n);margin:0 0 .5em}
h1{font-size:clamp(32px,5.4vw,56px)}h2{font-size:clamp(25px,3.6vw,36px)}h3{font-size:20px}
p{margin:0 0 1em;max-width:70ch}a{color:var(--b)}img{max-width:100%;height:auto}
:focus-visible{outline:3px solid var(--g);outline-offset:3px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:50}
.w{max-width:1140px;margin:0 auto;padding:0 22px}
.top{background:var(--n);color:#fff;font-size:15px;padding:7px 0}.top .w{display:flex;justify-content:space-between;flex-wrap:wrap;gap:4px 18px}.top a{color:var(--g);font-weight:700;text-decoration:none}
.h{position:sticky;top:0;z-index:20;background:#fff;border-bottom:3px solid var(--g)}
.h .w{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--n);font-weight:800;font-size:21px;line-height:1.1;letter-spacing:-.02em}
.brand img{width:56px;height:auto}.brand small{display:block;font-weight:500;font-size:12.5px;color:var(--m);letter-spacing:0}
nav{display:flex;align-items:center;gap:6px 20px;flex-wrap:wrap;justify-content:flex-end}
nav a{color:var(--n);font-weight:700;text-decoration:none}nav a:hover{text-decoration:underline;text-decoration-color:var(--g);text-decoration-thickness:3px;text-underline-offset:5px}
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-weight:800;text-decoration:none;background:var(--g);color:var(--n);border:2px solid var(--g);line-height:1.2;font-size:16px;cursor:pointer;font-family:inherit}
.btn:hover{background:#e4bc4f}.btn.o{background:transparent;color:var(--n);border-color:var(--n)}.btn.wa{background:#25d366;border-color:#25d366;color:#05301a}
nav .btn{padding:9px 16px}
.hero{background:var(--p);padding:56px 0}.hero .w{display:grid;grid-template-columns:1.35fr .65fr;gap:36px;align-items:center}
.hero p{font-size:19px}.hero img{justify-self:center;width:100%;max-width:340px}
.hero.s{padding:44px 0}.hero.s .w{grid-template-columns:1fr}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
section{padding:52px 0}.alt{background:var(--p)}
.bc{font-size:14px;color:var(--m);padding-top:14px}
.rows a.r{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.4fr);gap:8px 32px;padding:20px 0;border-top:2px solid var(--l);text-decoration:none;color:inherit}
.rows a.r:last-child{border-bottom:2px solid var(--l)}.rows a.r:hover{border-top-color:var(--g)}
.rows h3{margin:0;font-size:22px}.rows p{margin:0;color:var(--m)}
.cols{columns:3 220px;column-gap:32px;padding:0;margin:0 0 20px;list-style:none}.cols li{break-inside:avoid;margin:0 0 10px}
.cols a{font-weight:700;color:var(--n);text-decoration-color:var(--g);text-decoration-thickness:2px;text-underline-offset:4px}.cols span{color:var(--m);font-size:15.5px}
.steps{list-style:none;padding:0;margin:0;counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px}
.steps li{counter-increment:s;border-top:4px solid var(--g);padding-top:14px}
.steps li:before{content:counter(s);display:block;font-size:40px;font-weight:800;color:var(--b);line-height:1}.steps h3{margin:6px 0 4px}
details{border-top:2px solid var(--l);padding:16px 0}details:last-of-type{border-bottom:2px solid var(--l)}
summary{cursor:pointer;font-weight:800;color:var(--n);font-size:18px}details p{margin:10px 0 0}
.band{background:var(--n);color:#fff}.band h2{color:#fff}.band p{color:#d5dce7}.band .btn.o{color:#fff;border-color:#fff}
.chk{padding:0;margin:0 0 1em;list-style:none}.chk li{padding-left:28px;position:relative;margin:0 0 10px;max-width:70ch}
.chk li:before{content:"";position:absolute;left:4px;top:.5em;width:12px;height:7px;border-left:3px solid var(--g);border-bottom:3px solid var(--g);transform:rotate(-45deg)}
ol li{margin:0 0 8px;max-width:70ch}
label{display:block;font-weight:700;margin:0 0 14px}
input,select,textarea{display:block;width:100%;padding:12px;margin-top:6px;border:2px solid #b9c4d4;border-radius:6px;font:inherit;background:#fff}
input[type=checkbox]{width:auto}form{max-width:560px}.note{font-size:14px;color:var(--m);margin-top:14px}
.ok{background:#e5f6ec;border-left:5px solid #25d366;padding:14px 18px;margin:0 0 24px}
footer{background:var(--n);color:#c5cfdd;padding:44px 0 96px;font-size:16px}footer a{color:#fff}
footer .f{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px}.fh{color:var(--g);font-weight:800;margin:0 0 6px}
.sm{font-size:14px;margin-top:28px;color:#9fb0c7}
.fl{position:fixed;right:14px;bottom:14px;display:flex;flex-direction:column;gap:10px;z-index:30}.fl .btn{box-shadow:0 3px 10px rgba(0,0,0,.28)}
@media(max-width:760px){.hero .w{grid-template-columns:1fr}.hero img{max-width:170px;justify-self:start}.rows a.r{grid-template-columns:1fr}section{padding:40px 0}nav .btn{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}