:root{--blue:#0b5ea8;--blue-d:#073e70;--sky:#e8f3fc;--ink:#10243a;--mute:#4a5d72;--line:#d6e4f0;--r:14px}
*{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:#fff;line-height:1.55;font-size:17px;}
img,svg{display:block}
a{color:var(--blue)}
a:focus-visible,summary:focus-visible{outline:3px solid #f5a524;outline-offset:3px;border-radius:6px}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:50}
.skip:focus{left:8px}
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:60px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:18px}
.brand strong{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;padding:15px 22px;border-radius:999px;font-size:17px;border:2px solid var(--blue);min-height:52px}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d)}
.btn svg{width:20px;height:20px;fill:currentColor}
.btn-sm{padding:8px 16px;min-height:40px;font-size:15px}
.btn-ghost{background:#fff;color:var(--blue)}
.btn-ghost:hover{background:var(--sky);color:var(--blue-d)}
.btn-light{background:#fff;color:var(--blue-d);border-color:#fff}
.btn-light:hover{background:var(--sky);border-color:var(--sky)}
.btn-outline{background:transparent;color:#fff;border-color:#fff}
.btn-outline:hover{background:rgba(255,255,255,.12);border-color:#fff}
.hero{background:linear-gradient(180deg,var(--sky) 0%,#fff 100%);padding:44px 0 40px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-80px;top:-60px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,#cfe6fa 0%,rgba(207,230,250,0) 70%);pointer-events:none}
.eyebrow{margin:0 0 10px;font-weight:700;color:var(--blue);font-size:14px;letter-spacing:.02em;text-transform:uppercase}
h1{font-size:clamp(32px,8vw,54px);line-height:1.08;margin:0 0 14px;letter-spacing:-.02em;max-width:16ch}
h2{font-size:clamp(26px,5.5vw,36px);margin:0 0 20px;letter-spacing:-.01em}
h3{font-size:19px;margin:10px 0 6px}
.lead{font-size:19px;color:var(--mute);max-width:40ch;margin:0 0 24px}
.cta{display:flex;flex-direction:column;gap:12px;max-width:420px}
.ext{margin:12px 0 0;color:var(--mute);font-size:15px}
.section{padding:52px 0}
.alt{background:var(--sky)}
.cards{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.card{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:#fff}
.card p{margin:0;color:var(--mute)}
.ico{display:inline-flex;width:44px;height:44px;border-radius:12px;background:var(--sky);align-items:center;justify-content:center}
.ico svg{width:24px;height:24px;fill:none;stroke:var(--blue);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.ico-fill svg{fill:var(--blue);stroke:none}
.steps{margin:0;padding:0;list-style:none;counter-reset:s;display:grid;gap:14px}
.steps li{counter-increment:s;background:#fff;border-radius:var(--r);padding:18px 18px 18px 64px;position:relative;border:1px solid var(--line)}
.steps li::before{content:counter(s);position:absolute;left:18px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
details{border:1px solid var(--line);border-radius:var(--r);padding:0 18px;margin-bottom:12px;background:#fff}
summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--blue);font-size:22px;line-height:1}
details[open] summary::after{content:"\2212"}
details p{margin:0 0 16px;color:var(--mute)}
.contact{background:var(--blue-d);color:#fff}
.contact .lead{color:#d4e6f7}
.contact h2{color:#fff}
.info{margin:30px 0 0;display:grid;gap:16px}
.info dt{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:#a9cbea;font-weight:700}
.info dd{margin:2px 0 0;font-size:17px;overflow-wrap:anywhere}
.info a{color:#fff}
.foot{background:#05294b;color:#a9cbea;font-size:14px;padding:26px 0}
.foot p{margin:4px 0}
.foot strong{color:#fff}
@media (min-width:760px){
  body{padding-bottom:0}
    .hero{padding:80px 0 72px}
  .cta{flex-direction:row;max-width:none}
  .cards{grid-template-columns:repeat(3,1fr)}
  .steps{grid-template-columns:repeat(3,1fr)}
  .section{padding:72px 0}
}
.card-cta{background:var(--blue);border-color:var(--blue);color:#fff;display:flex;flex-direction:column;gap:6px;justify-content:center}
.card-cta h3{margin-top:0;color:#fff}
.card-cta p{color:#d4e6f7;margin-bottom:12px}
.card-cta .btn{align-self:flex-start}
.hero-card{display:none}
@media (min-width:760px){
  .hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:center}
  .hero-card{display:block;background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 18px 40px rgba(11,94,168,.12);position:relative;z-index:1}
  .hc-title{margin:0 0 14px;font-weight:800;font-size:19px}
  .hero-card ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
  .hero-card li{display:flex;gap:12px;align-items:center;color:var(--ink)}
  .hero-card li span{flex:none;width:30px;height:30px;border-radius:50%;background:var(--sky);color:var(--blue);font-weight:800;display:flex;align-items:center;justify-content:center}
  .hc-foot{margin:18px 0 0;padding-top:14px;border-top:1px solid var(--line);color:var(--mute);font-size:14px}
  .info{grid-template-columns:1fr 1.7fr 1fr 1.2fr}
}
.nw{white-space:nowrap}
.hero .wrap{position:relative;z-index:1}