:root{--navy:#223289;--navy-d:#17225f;--sky:#3c9eff;--sky-d:#1f7ee0;--gray:#f6f7f9;--t:#222;--m:#5c5c5c;--line:#e4e7ef}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--t);background:#fff;line-height:1.6;font-size:1.0625rem}
a{color:var(--sky-d)}.wrap{max-width:1040px;margin:0 auto;padding:0 1.25rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:99}
header{position:sticky;top:0;background:#fff;z-index:10;box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;gap:2rem;padding:.8rem 1.25rem;max-width:1040px;margin:0 auto;position:relative}
.brand{display:flex;gap:.55rem;align-items:center;text-decoration:none;color:var(--navy);margin-right:auto}
.brand img{width:36px;height:36px}.brand b{display:block;font-size:1.05rem;line-height:1.1}.brand small{color:var(--m);font-size:.74rem}
nav ul{list-style:none;display:flex;gap:1.8rem;margin:0;padding:0}nav ul a{text-decoration:none;color:var(--navy);font-weight:700;font-size:.98rem}nav ul a:hover{color:var(--sky-d)}
.btn{display:inline-block;background:var(--sky);color:#fff;padding:.75rem 1.9rem;border-radius:30px;text-decoration:none;font-weight:700;border:1.5px solid var(--sky);transition:.15s}
.btn:hover{background:var(--sky-d);border-color:var(--sky-d)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.outline{background:#fff;color:var(--navy);border-color:var(--navy);padding:.5rem 1.6rem}.btn.outline:hover{background:var(--navy);color:#fff}
.hero{padding:3.5rem 0 3rem}
.hero-top{display:grid;grid-template-columns:1.05fr 1fr;gap:3rem;align-items:start}
.eyebrow{display:block;color:var(--sky-d);font-weight:800;text-transform:uppercase;letter-spacing:.04em;font-size:.95rem;margin-bottom:.4rem}
.hero h1{font-size:clamp(2.3rem,5.5vw,3.9rem);line-height:1.05;margin:0;color:var(--navy);font-weight:800;letter-spacing:-.01em}
.hl{color:var(--sky)}
.hero p{font-size:1.1rem;margin:.3rem 0 0}.cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.4rem}
.hero-visual{margin-top:2.8rem;border-radius:26px;overflow:hidden;line-height:0;box-shadow:0 18px 40px -20px rgba(34,50,137,.45)}
.hero-visual svg{width:100%;height:auto;min-height:220px;display:block}
.facts{list-style:none;padding:0;margin:2rem 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.facts li{border-left:3px solid var(--sky);padding-left:.8rem;color:var(--m);font-size:.95rem}.facts b{display:block;color:var(--navy);font-size:1rem}
section{padding:4.4rem 0}section.tint{background:var(--gray)}
h2{font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.15;margin:0 0 .6rem;color:var(--navy);font-weight:800;text-transform:uppercase;letter-spacing:-.005em}
.lead{color:var(--m);max-width:62ch;margin:0 0 2.2rem;font-size:1.15rem}
.grid{display:grid;gap:1.3rem;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:#fff;border-radius:20px;padding:1.6rem;box-shadow:0 6px 24px -10px rgba(34,50,137,.25)}
.tint .card{box-shadow:0 6px 24px -14px rgba(34,50,137,.3)}
.card h3{margin:.6rem 0 .5rem;font-size:1.15rem;color:var(--navy)}.card p{margin:0}.card ul{padding-left:1.1rem;margin:.6rem 0 0;color:var(--m)}
.ic{width:48px;height:48px;border-radius:14px;background:#e8f2ff;display:grid;place-items:center}
.ic svg{width:24px;height:24px;stroke:var(--sky-d);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.steps{counter-reset:s;display:grid;gap:1.3rem;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));list-style:none;padding:0;margin:0}
.steps li{background:#fff;border-radius:20px;padding:1.6rem;box-shadow:0 6px 24px -14px rgba(34,50,137,.3)}
.steps li::before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--sky);color:#fff;font-weight:800}
.steps h3{margin:.8rem 0 .4rem;color:var(--navy)}.steps p{margin:0;color:var(--m)}
.band{background:var(--navy);color:#fff}.band h2{color:#fff}.band .lead{color:#d6dcf5}.band .card{background:rgba(255,255,255,.07);box-shadow:none;border:1px solid rgba(255,255,255,.15)}.band .card h3{color:#fff}.band .card p{color:#e3e7f7}.band .ic{background:rgba(60,158,255,.2)}.band .ic svg{stroke:#9cc9ff}
details{background:#fff;border-radius:16px;padding:1.05rem 1.3rem;margin-bottom:.8rem;box-shadow:0 4px 18px -12px rgba(34,50,137,.35)}
summary{cursor:pointer;font-weight:700;color:var(--navy)}details p{margin:.7rem 0 0;color:var(--m)}
.contact{background:linear-gradient(120deg,var(--navy),#2f55c4);color:#fff;border-radius:26px;padding:3rem 2rem;text-align:center}
.contact h2{color:#fff}.contact p{color:#e3e7f7}.contact a.mail{color:#fff}
footer{background:var(--navy-d);color:#c9cfe8;padding:2rem 0;font-size:.92rem}footer a{color:#fff}
.foot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem}
.legal{max-width:780px}.legal h1{color:var(--navy);font-size:clamp(2rem,5vw,3rem);font-weight:800;margin:0 0 1rem}.legal h2{font-size:1.3rem;text-transform:none;margin-top:2rem}
.ph{background:#fff4d6;padding:0 .3rem;border-radius:4px;font-weight:600}
.note{background:#e8f2ff;border-left:4px solid var(--sky);padding:1rem;border-radius:10px}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px}

html,body{overflow-x:hidden}h1,h2,h3{hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
img,svg{max-width:100%}
.btn{min-height:44px;display:inline-flex;align-items:center;justify-content:center;gap:.5rem}
.bi svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;display:block}
.facts li{display:flex;gap:.75rem;align-items:flex-start;border-left:0;padding-left:0}
.fi{flex:none;width:42px;height:42px;border-radius:12px;background:#e8f2ff;display:grid;place-items:center}
.fi svg,.qi svg{width:22px;height:22px;stroke:var(--sky-d);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.sh{display:flex;justify-content:space-between;align-items:center}.steps li{display:flex;flex-direction:column}.steps li::before{position:absolute}.steps li{position:relative}.steps li::before{top:1.6rem;right:1.6rem}
summary{display:flex;align-items:center;gap:.7rem;min-height:44px;list-style:none}summary::-webkit-details-marker{display:none}
summary::after{content:"+";margin-left:auto;font-size:1.4rem;color:var(--sky-d);font-weight:400}details[open] summary::after{content:"–"}
.qi{flex:none;display:grid}
.ic.big{width:60px;height:60px;margin:0 auto 1rem;background:rgba(255,255,255,.15)}.ic.big svg{width:30px;height:30px;stroke:#fff}
.burger{display:none;width:48px;height:48px;border:0;background:none;padding:12px 8px;cursor:pointer;position:relative;z-index:30}
.burger span{display:block;height:2px;background:var(--navy);margin:6px 0;transition:transform .4s ease-in-out,opacity .3s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
.mmenu{position:fixed;inset:0;background:var(--sky);z-index:20;transform:translateX(-100%);transition:transform .4s ease-in-out;visibility:hidden;padding:6.5rem 1.6rem 2rem;overflow-y:auto}
.mmenu.open{transform:none;visibility:visible}
.mmenu ul{display:block;list-style:none;margin:0 0 1.5rem;padding:0}
.mmenu li a{display:flex;align-items:center;min-height:56px;color:var(--navy);font-weight:700;font-size:1.25rem;text-decoration:none}
.mmenu .btn.outline{background:transparent;border-color:var(--navy);color:var(--navy)}
body.lock{overflow:hidden}
.legalnav a{display:inline-flex;align-items:center;min-height:44px}
@media(max-width:860px){
 nav ul.desk,.navcta{display:none}.burger{display:block}
 header{z-index:25}body.lock header{background:transparent;box-shadow:none}
 .nav{gap:.8rem;padding:.6rem 1rem}.wrap{padding:0 1.15rem}
 .hero{padding:2rem 0 2.5rem}.hero-top{grid-template-columns:1fr;gap:1.1rem}
 .hero h1{font-size:clamp(2rem,9.2vw,2.9rem);line-height:1.08}
 .eyebrow{font-size:clamp(.78rem,3.4vw,.9rem)}
 .hero p{font-size:1.02rem}
 .cta{flex-direction:column}.cta .btn,.contact .btn{width:100%}
 .facts{grid-template-columns:1fr;gap:.9rem}
 .grid,.steps{grid-template-columns:1fr}
 section{padding:3rem 0}h2{font-size:clamp(1.55rem,7vw,2.2rem)}.lead{font-size:1.02rem}
 .contact{padding:2rem 1.2rem}.hero-visual{margin-top:1.8rem;border-radius:18px}.hero-visual svg{min-height:0}
 .card,.steps li{padding:1.3rem}
 .brand small{font-size:.7rem}
}
@media(min-width:600px) and (max-width:860px){.grid,.steps,.facts{grid-template-columns:1fr 1fr}.cta{flex-direction:row}.cta .btn{width:auto}}
@media(prefers-reduced-motion:reduce){.mmenu,.burger span{transition:none}}
h3{hyphens:manual;-webkit-hyphens:manual;overflow-wrap:normal}