:root{--b:#0b3d91;--bd:#072a66;--o:#f5a623;--t:#1c2733;--m:#5b6776;--bg:#f4f7fb;--w:#fff;--r:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",Roboto,Arial,sans-serif;color:var(--t);line-height:1.65;background:var(--w)}
img{max-width:100%;display:block}
a{color:var(--b)}
.c{width:min(1120px,92%);margin:auto}
h1,h2,h3{line-height:1.2;color:var(--bd)}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:.6rem}
.sub{color:var(--m);max-width:680px;margin-bottom:2rem}
.tag{display:inline-block;background:#e6edf9;color:var(--b);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:.3rem .8rem;border-radius:99px;margin-bottom:.8rem}
section{padding:72px 0}
.alt{background:var(--bg)}
/* header */
header{position:sticky;top:0;z-index:50;background:var(--w);box-shadow:0 1px 10px rgba(0,0,0,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav img{height:44px;width:auto}
.menu{display:flex;gap:6px;list-style:none;align-items:center}
.menu a{text-decoration:none;color:var(--t);font-weight:600;padding:.5rem .9rem;border-radius:8px}
.menu a:hover,.menu a.on{background:#e6edf9;color:var(--b)}
.menu a.btn{background:var(--o);color:#1c1300}
.menu a.btn:hover{background:#e0961a}
#tg,.burger{display:none}
.burger{cursor:pointer;font-size:1.8rem;color:var(--b)}
@media(max-width:820px){.burger{display:block}
.menu{position:absolute;left:0;right:0;top:72px;background:var(--w);flex-direction:column;align-items:stretch;padding:12px 4%;display:none;box-shadow:0 8px 14px rgba(0,0,0,.1)}
#tg:checked~.menu{display:flex}}
/* hero */
.hero{background:linear-gradient(135deg,var(--bd),var(--b) 70%,#1a5bd1);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(245,166,35,.18)}
.hero h1{color:#fff;font-size:clamp(2rem,5vw,3.3rem);max-width:760px;margin-bottom:1rem}
.hero p{max-width:640px;font-size:1.12rem;opacity:.93;margin-bottom:2rem}
.hero small{display:block;letter-spacing:.2em;text-transform:uppercase;color:var(--o);font-weight:700;margin-bottom:1rem}
.btn{display:inline-block;background:var(--o);color:#1c1300;font-weight:700;text-decoration:none;padding:.85rem 1.6rem;border-radius:10px;border:0;font-size:1rem;cursor:pointer}
.btn:hover{background:#e0961a}
.btn.ghost{background:transparent;color:#fff;border:2px solid #fff;margin-left:.6rem}
.page-h{padding:64px 0;background:linear-gradient(135deg,var(--bd),var(--b));color:#fff}
.page-h h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem)}
.page-h p{opacity:.9;margin-top:.6rem}
/* grids */
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:var(--w);border-radius:var(--r);padding:28px;box-shadow:0 4px 18px rgba(11,61,145,.08);border-top:4px solid var(--o)}
.card h3{margin-bottom:.5rem;font-size:1.15rem}
.card p{color:var(--m)}
.ic{width:52px;height:52px;border-radius:14px;background:#e6edf9;color:var(--b);display:grid;place-items:center;font-size:1.5rem;margin-bottom:1rem}
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.step{counter-increment:s;background:var(--w);border-radius:var(--r);padding:26px 24px;box-shadow:0 4px 18px rgba(11,61,145,.08);position:relative}
.step:before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--b);color:#fff;font-weight:700;margin-bottom:.8rem}
.step p{color:var(--m)}
.two{display:grid;gap:40px;grid-template-columns:1fr 1fr;align-items:center}
@media(max-width:820px){.two{grid-template-columns:1fr}}
.list{list-style:none}
.list li{padding:.5rem 0 .5rem 2rem;position:relative}
.list li:before{content:"✓";position:absolute;left:0;color:#fff;background:var(--b);width:1.3rem;height:1.3rem;border-radius:50%;font-size:.8rem;display:grid;place-items:center;top:.7rem}
.panel{background:var(--bg);border-radius:var(--r);padding:32px}
.cta{background:var(--bd);color:#fff;text-align:center}
.cta h2{color:#fff}.cta p{opacity:.9;margin:0 auto 1.6rem;max-width:620px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:18px;text-align:center}
.stats b{display:block;font-size:2.2rem;color:var(--b)}
.stats span{color:var(--m)}
/* form */
form{display:grid;gap:14px}
label{font-weight:600;font-size:.92rem}
input,textarea,select{width:100%;padding:.8rem 1rem;border:1px solid #cdd6e3;border-radius:10px;font:inherit;margin-top:.3rem}
input:focus,textarea:focus,select:focus{outline:2px solid var(--b);border-color:var(--b)}
/* footer */
footer{background:#061f4d;color:#cbd6ea;padding:56px 0 24px}
.fg{display:grid;gap:30px;grid-template-columns:2fr 1fr 1fr 1.4fr}
@media(max-width:820px){.fg{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;margin-bottom:.8rem}
footer a{color:#cbd6ea;text-decoration:none;display:block;padding:.2rem 0}
footer a:hover{color:var(--o)}
.copy{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:.88rem;text-align:center}