:root{--nav:#0e2a47;--acc:#e8552d;--ink:#16202b;--mut:#5b6a7a;--bg:#f6f8fa;--line:#e2e8ef;--ok:#0f7b52}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
a{color:var(--acc);text-decoration:none}
a:hover{text-decoration:underline}
header{background:var(--nav);color:#fff;position:sticky;top:0;z-index:20}
header .wrap{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.logo{font-weight:800;font-size:19px;color:#fff;letter-spacing:-.3px}
.logo span{color:var(--acc)}
nav{margin-left:auto;display:flex;gap:20px;flex-wrap:wrap}
nav a{color:#cfe0f0;font-size:15px;font-weight:500}
nav a:hover,nav a[aria-current=page]{color:#fff;text-decoration:none}
.tel{background:var(--acc);color:#fff;padding:9px 16px;border-radius:8px;font-weight:700;font-size:15px;white-space:nowrap}
.tel:hover{background:#cf461f;text-decoration:none}
.hero{background:linear-gradient(160deg,#0e2a47 0%,#17456f 100%);color:#fff;padding:64px 0 56px}
.hero h1{font-size:clamp(28px,5vw,44px);line-height:1.15;letter-spacing:-.8px;margin-bottom:16px}
.hero p{font-size:18px;color:#cfe0f0;max-width:620px}
.pill{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:14px;font-weight:600;padding:6px 14px;border-radius:999px;margin-bottom:20px}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;background:var(--acc);color:#fff;padding:13px 24px;border-radius:9px;font-weight:700;font-size:16px}
.btn:hover{background:#cf461f;text-decoration:none}
.btn.ghost{background:transparent;border:1.5px solid rgba(255,255,255,.45)}
.btn.ghost:hover{background:rgba(255,255,255,.1)}
section{padding:56px 0}
section.alt{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(23px,3.4vw,31px);letter-spacing:-.5px;margin-bottom:12px}
h3{font-size:18px;margin-bottom:7px}
.lead{color:var(--mut);max-width:680px;margin-bottom:32px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.card p{color:var(--mut);font-size:15px}
.ico{width:38px;height:38px;border-radius:9px;background:#fdece7;color:var(--acc);display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:12px}
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.step{position:relative;padding-left:52px}
.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--nav);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.step p{color:var(--mut);font-size:15px}
.tags{display:flex;flex-wrap:wrap;gap:9px;margin-top:8px}
.tags span{background:#fff;border:1px solid var(--line);border-radius:7px;padding:7px 13px;font-size:14px;color:var(--mut);font-weight:500}
.note{border-left:4px solid var(--acc);background:#fdf5f2;padding:18px 20px;border-radius:0 10px 10px 0;margin-top:8px}
.note strong{color:var(--ink)}
.info{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:8px}
.info div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.info dt{font-size:13px;text-transform:uppercase;letter-spacing:.6px;color:var(--mut);font-weight:700;margin-bottom:5px}
.info dd{font-size:17px;font-weight:600}
.big{font-size:26px !important;color:var(--acc)}
ul.chk{list-style:none;display:grid;gap:10px;margin-top:6px}
ul.chk li{padding-left:28px;position:relative;color:var(--mut)}
ul.chk li:before{content:"";position:absolute;left:0;top:9px;width:14px;height:14px;border-radius:50%;background:var(--ok)}
ul.chk li b{color:var(--ink)}
footer{background:var(--nav);color:#9fb6cc;padding:36px 0;font-size:14px}
footer a{color:#cfe0f0}
footer .cols{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:20px}
footer strong{color:#fff;display:block;margin-bottom:6px}
.fine{border-top:1px solid rgba(255,255,255,.12);padding-top:16px}
@media(max-width:600px){nav{order:3;margin-left:0;width:100%;gap:14px}section{padding:42px 0}.hero{padding:48px 0 42px}}
.crumbs{font-size:13px;color:#9fb6cc;margin-bottom:14px}
.crumbs a{color:#cfe0f0}
.faq{display:grid;gap:10px;margin-top:8px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 18px}
.faq summary{font-weight:650;cursor:pointer;font-size:16px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";color:var(--acc);font-weight:800;margin-right:10px}
.faq details[open] summary:before{content:"\2013"}
.faq details p{color:var(--mut);font-size:15px;margin-top:10px}
article h2{margin-top:34px}
article h2:first-child{margin-top:0}
article h3{margin-top:22px;font-size:17px}
article p{color:var(--mut);margin-top:10px;max-width:760px}
article ul{margin:12px 0 0 20px;color:var(--mut);max-width:760px}
article ul li{margin-bottom:7px}
article b,article strong{color:var(--ink)}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:24px 0}
.toc strong{display:block;margin-bottom:8px;font-size:14px;text-transform:uppercase;letter-spacing:.6px;color:var(--mut)}
.toc ol{margin-left:18px}
.toc li{margin-bottom:5px}
.related{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:10px}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:11px;padding:18px;color:var(--ink);font-weight:650}
.related a:hover{border-color:var(--acc);text-decoration:none}
.related a span{display:block;color:var(--mut);font-weight:400;font-size:14px;margin-top:5px}
a.card{display:block;color:var(--ink)}
a.card:hover{border-color:var(--acc);text-decoration:none}
a.card h3:after{content:" \2192";color:var(--acc)}