:root{--navy:#0b2545;--navy2:#13315c;--blue:#1d5fd1;--blue2:#134aab;--sky:#e8f0fc;--teal:#0e9f8a;--amber:#f0a51d;--ink:#1a2233;--muted:#5b6678;--line:#e3e8f0;--bg:#f6f8fb;--white:#fff;--r:14px;--shadow:0 6px 24px rgba(11,37,69,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Inter,system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
h1,h2,h3,h4{color:var(--navy);line-height:1.22;margin:0 0 .6em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4vw,2.7rem)}h2{font-size:clamp(1.45rem,2.8vw,1.95rem);margin-top:1.6em}h3{font-size:1.18rem;margin-top:1.3em}
p{margin:0 0 1em}ul,ol{padding-left:1.3em}li{margin:.3em 0}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:999}
/* topbar */
.topbar{background:var(--navy);color:#cfe0ff;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
/* header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 12px rgba(11,37,69,.06)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.logo:hover{text-decoration:none}.logo svg{width:40px;height:40px;flex:none}
.logo small{display:block;white-space:nowrap;font-size:.66rem;font-weight:600;color:var(--muted);letter-spacing:.02em;margin-top:-2px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:2px;align-items:center}
nav.main li{position:relative;margin:0}
nav.main>ul>li>a{display:block;padding:10px 11px;color:var(--navy);font-weight:600;font-size:.9rem;border-radius:8px;white-space:nowrap}
nav.main>ul>li>a:hover,nav.main>ul>li.open>a{background:var(--sky);text-decoration:none}
nav.main .sub{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:290px;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;flex-direction:column;gap:0}
nav.main li:hover .sub,nav.main li:focus-within .sub,nav.main li.open .sub{display:flex}
nav.main .sub a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);font-size:.93rem}
nav.main .sub a:hover{background:var(--sky);text-decoration:none;color:var(--blue2)}
.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:12px 22px;border-radius:10px;font-weight:700;border:0;cursor:pointer;font-size:1rem;transition:.15s;box-shadow:0 4px 14px rgba(29,95,209,.3)}
.btn:hover{background:var(--blue2);text-decoration:none;transform:translateY(-1px)}
.btn.amber{background:var(--amber);color:var(--navy)!important;box-shadow:0 4px 14px rgba(240,165,29,.35)}.btn.amber:hover{background:#d9920f}
.btn.ghost{background:transparent;color:var(--navy)!important;border:2px solid var(--navy);box-shadow:none}.btn.ghost:hover{background:var(--navy);color:#fff!important}
.btn.light{background:#fff;color:var(--navy)!important;box-shadow:none}
.btn.sm{padding:9px 16px;font-size:.9rem}
.burger{display:none;background:none;border:0;font-size:1.7rem;cursor:pointer;color:var(--navy)}
/* hero */
.hero{background:radial-gradient(1200px 500px at 80% -10%,#1f4f9e 0%,transparent 60%),linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:64px 0 56px}
.hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.1rem)}
.hero p.lead{font-size:1.2rem;color:#dbe7ff;max-width:640px}
.hero .grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.hero .badges{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}
.hero .badges span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:6px 12px;border-radius:999px;font-size:.88rem}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero .cta .tel{color:#fff;font-weight:700;font-size:1.1rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.hero .card{color:var(--ink)}
.hero .card h2{margin-top:0;font-size:1.25rem}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:-34px auto 0;position:relative;z-index:2}
.kpi{background:#fff;border-radius:var(--r);padding:20px;border:1px solid var(--line);box-shadow:var(--shadow);text-align:center}
.kpi b{display:block;font-size:1.9rem;color:var(--blue);font-weight:800;letter-spacing:-.02em}
.kpi>span{font-size:.9rem;color:var(--muted)}
section{padding:56px 0}section.alt{background:var(--bg)}
.section-title{text-align:center;max-width:760px;margin:0 auto 34px}.section-title h2{margin-top:0}.section-title p{color:var(--muted);font-size:1.08rem}
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.cols2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.feature{padding:24px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.feature .ic{width:46px;height:46px;border-radius:12px;background:var(--sky);display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--blue);font-size:1.4rem}
.feature h3{margin-top:0;font-size:1.08rem}.feature p{color:var(--muted);font-size:.96rem;margin:0}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{position:relative;padding:26px 20px 20px;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:20px;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.step h3{margin-top:4px;font-size:1.02rem}.step p{font-size:.94rem;color:var(--muted);margin:0}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
th,td{padding:12px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:700}
tbody tr:nth-child(even){background:#fafbfd}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:18px 0}
.note{background:var(--sky);border-left:4px solid var(--blue);padding:14px 18px;border-radius:8px;margin:18px 0;font-size:.96rem}
.warn{background:#fff7e6;border-left:4px solid var(--amber);padding:14px 18px;border-radius:8px;margin:18px 0;font-size:.96rem}
.cta-band{background:linear-gradient(135deg,var(--blue) 0%,#0f3c8f 100%);color:#fff;padding:44px 0;text-align:center}
.cta-band h2{color:#fff;margin-top:0}.cta-band p{color:#dbe7ff;max-width:640px;margin:0 auto 20px}
.pagehead{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:42px 0 36px}
.pagehead h1{color:#fff;margin-bottom:.3em}.pagehead p{color:#dbe7ff;font-size:1.12rem;max-width:760px;margin:0}
.crumbs{font-size:.85rem;color:#a9bde3;margin-bottom:14px}.crumbs a{color:#cfe0ff}.crumbs span{margin:0 6px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
aside.side{position:sticky;top:96px}
.sidecard{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px;margin-bottom:18px}
.sidecard h3{color:#fff;margin-top:0;font-size:1.1rem}.sidecard p{color:#dbe7ff;font-size:.94rem}
.sidecard .tel{display:block;color:#fff;font-size:1.35rem;font-weight:800;margin:8px 0}
.sidelinks{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.sidelinks h3{font-size:1rem;margin-top:0}.sidelinks ul{list-style:none;padding:0;margin:0}.sidelinks li{padding:6px 0;border-bottom:1px dashed var(--line);font-size:.93rem}.sidelinks li:last-child{border:0}
.content h2{scroll-margin-top:90px}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 0 26px;font-size:.94rem}
.toc b{display:block;margin-bottom:6px;color:var(--navy)}.toc ol{margin:0;padding-left:1.2em;columns:2;gap:24px}.toc li{margin:.2em 0}
.faq details{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff}
.faq summary{padding:16px 18px;cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--blue);font-size:1.3rem;font-weight:400}
.faq details[open] summary:after{content:"–"}
.faq .a{padding:0 18px 16px;color:var(--ink)}
.tag{display:inline-block;background:var(--sky);color:var(--blue2);font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px;margin-right:6px}
.tag.ok{background:#e3f7f2;color:#0a7d6b}.tag.warn{background:#fff3d6;color:#9a6100}.tag.bad{background:#fde8e8;color:#b42318}
.grid-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.offer{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column}
.offer h3{margin-top:0}.offer ul{padding-left:1.1em;font-size:.94rem;color:var(--muted);flex:1}.offer .btn{align-self:flex-start;margin-top:10px}
.quote{border-left:4px solid var(--amber);padding:12px 20px;font-style:italic;color:var(--navy);background:#fffaf0;border-radius:8px;margin:22px 0}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-weight:600;font-size:.92rem;margin:12px 0 5px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #c9d3e2;border-radius:9px;font-size:1rem;font-family:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.consent{font-size:.84rem;color:var(--muted);margin:14px 0}
.hp{position:absolute;left:-5000px}
.progress{display:flex;gap:8px;margin:0 0 20px}.progress span{flex:1;height:6px;border-radius:3px;background:var(--line)}.progress span.on{background:var(--blue)}
.fstep{display:none}.fstep.on{display:block}
.trust{display:flex;flex-wrap:wrap;gap:14px 28px;justify-content:center;align-items:center;color:var(--muted);font-size:.92rem;margin-top:26px}
.trust b{color:var(--navy)}
footer.site{background:var(--navy);color:#b9c8e6;padding:52px 0 26px;font-size:.93rem}
footer .grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:34px}
footer h4{color:#fff;font-size:1rem;margin:0 0 12px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}footer a{color:#dbe7ff}
footer .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:18px;font-size:.82rem;color:#8ea3cf}
footer .legal a{color:#b9c8e6}
.sticky-cta{display:none}
.simu{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.simu output{display:block;background:var(--sky);border-radius:12px;padding:18px;margin-top:16px}
.simu output b{font-size:1.6rem;color:var(--blue2)}
.pill-row{display:flex;flex-wrap:wrap;gap:8px}.pill-row a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:.9rem;color:var(--navy);font-weight:600}
.pill-row a:hover{background:var(--sky);text-decoration:none}
.author{display:flex;gap:14px;align-items:center;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:30px 0 0;font-size:.9rem}
.author .av{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;flex:none}
.updated{font-size:.85rem;color:var(--muted)}
@media(max-width:1100px){nav.main>ul>li>a{font-size:.84rem;padding:10px 8px}.logo{font-size:1.1rem}}
@media(max-width:980px){.hero .grid,.layout,.cols,.grid-cards,footer .grid,.steps{grid-template-columns:1fr 1fr}.kpis{grid-template-columns:repeat(2,1fr)}aside.side{position:static}}
@media(max-width:760px){body{font-size:16px}.topbar .wrap span:first-child{display:none}.topbar .wrap{justify-content:center}.hero .grid,.layout,.cols,.cols2,.grid-cards,footer .grid,.steps,form .row{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr);margin-top:24px}
nav.main{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px 18px;max-height:calc(100vh - 74px);overflow:auto}
nav.main.open{display:block}nav.main ul{flex-direction:column;align-items:stretch}nav.main .sub{display:flex;position:static;box-shadow:none;border:0;padding:0 0 6px 14px;min-width:0}
.burger{display:block}header.site .btn{display:none}.toc ol{columns:1}
.sticky-cta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:10px}
.sticky-cta a{flex:1;text-align:center;padding:12px;border-radius:10px;font-weight:700}
body{padding-bottom:64px}}