:root{--navy:#0b1f3a;--navy2:#13315c;--accent:#ff7a00;--accent2:#e56d00;--bg:#f6f8fb;--card:#fff;--text:#1a2433;--muted:#5b6778;--line:#e1e6ee;--ok:#0f8a4b;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);padding-bottom:64px}
img{max-width:100%}a{color:var(--navy2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
header.site{background:var(--navy);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{color:#fff;font-weight:800;font-size:22px;text-decoration:none;letter-spacing:.3px}.logo span{color:var(--accent)}
.nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;align-items:center}
.nav a.l{color:#dbe5f5;text-decoration:none;padding:8px 10px;border-radius:8px;font-size:15px}.nav a.l:hover{background:var(--navy2);color:#fff}
.burger{display:none;background:none;border:0;color:#fff;font-size:26px;cursor:pointer}
.btn{display:inline-block;background:var(--accent);color:#fff!important;border:0;padding:13px 22px;border-radius:10px;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer;text-align:center}
.btn:hover{background:var(--accent2)}.btn.alt{background:transparent;border:2px solid #fff}.btn.ghost{background:#fff;color:var(--navy)!important;border:2px solid var(--line)}
.btn.sm{padding:8px 14px;font-size:14px}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:48px 0 56px}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:center}
.hero h1{font-size:40px;line-height:1.15;margin:0 0 14px}.hero p.lead{font-size:18px;color:#d3def0;margin:0 0 18px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0;padding:0;list-style:none}
.badges li{background:rgba(255,255,255,.1);padding:6px 12px;border-radius:99px;font-size:14px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:0 6px 24px rgba(11,31,58,.06)}
.quote-card{color:var(--text)}.quote-card h2{margin:0 0 12px;font-size:20px}
label{display:block;font-weight:600;font-size:14px;margin:12px 0 4px}
input,select,textarea{width:100%;padding:12px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
section.s{padding:52px 0}section.s.alt{background:#fff}
h2.t{font-size:30px;margin:0 0 8px;color:var(--navy)}p.sub{color:var(--muted);margin:0 0 26px;max-width:680px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.step b{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;align-items:center;justify-content:center;margin-bottom:8px}
.card h3{margin:.2em 0 .3em;font-size:18px;color:var(--navy)}.card p{margin:0;color:var(--muted);font-size:15px}
table{border-collapse:collapse;width:100%;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);font-size:15px}th{background:var(--navy);color:#fff}
.price{font-size:38px;font-weight:800;color:var(--navy);line-height:1}.small{font-size:13px;color:var(--muted)}
.result{display:none;margin-top:14px;padding:16px;border-radius:12px;background:#fff6ec;border:1.5px solid var(--accent)}.result.on{display:block}
.err{color:#b3261e;font-size:14px;margin-top:8px;min-height:1em}.ok{background:#eafaf1;border:1.5px solid var(--ok);padding:18px;border-radius:12px}
.pill{display:inline-block;background:#e9f0fb;color:var(--navy2);padding:4px 10px;border-radius:99px;font-size:13px;margin:3px 4px 3px 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.cta{background:var(--navy);color:#fff;text-align:center;padding:44px 18px}.cta h2{margin:0 0 8px}
footer.site{background:#08162b;color:#a9b8d0;padding:34px 0 20px;font-size:14px}
footer.site a{color:#dbe5f5}footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:22px}
.bar{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);display:flex;gap:8px;padding:8px 10px;z-index:60}
.bar a{flex:1;text-align:center;padding:11px 6px;border-radius:10px;font-weight:700;text-decoration:none;font-size:15px}
.bar .c{background:var(--navy);color:#fff}.bar .w{background:#1fa855;color:#fff}.bar .q{background:var(--accent);color:#fff}
.prose h2{color:var(--navy);margin-top:1.6em}.prose li{margin:.3em 0}
.hidden{display:none!important}
@media(min-width:861px){.bar{display:none}body{padding-bottom:0}}
@media(max-width:860px){
 .hero .grid,.two{grid-template-columns:1fr}.hero h1{font-size:31px}.row{grid-template-columns:1fr}
 .burger{display:block}.nav ul{display:none;position:absolute;top:60px;left:0;right:0;background:var(--navy);flex-direction:column;padding:10px 18px 18px;align-items:stretch}
 .nav ul.open{display:flex}.nav a.l{display:block}
}