:root{--navy:#14213d;--ink:#1f2937;--muted:#5b6474;--line:#e5e8ee;--bg:#f6f7fa;--accent:#e8552d;--blue:#2f4ea3}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:16px}
a{color:var(--blue)}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{display:flex;align-items:center}.logo img{height:46px;width:auto}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:28px}
nav a{text-decoration:none;color:var(--navy);font-weight:500;font-size:15px}
nav a:hover,nav a.on{color:var(--accent)}
.burger{display:none;background:none;border:0;font-size:26px;color:var(--navy);cursor:pointer}
.hero{position:relative;min-height:560px;display:flex;align-items:center;color:#fff;background:#3b4a7a url(/img/hero.webp) center/cover no-repeat}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,33,61,.72),rgba(20,33,61,.25))}
.hero .wrap{position:relative}
.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.1;margin:0 0 18px;max-width:720px;font-weight:700}
.hero p{font-size:19px;max-width:620px;margin:0 0 30px;opacity:.95}
.banner{position:relative;color:#fff;padding:90px 0 70px;background:#3b4a7a url(/img/hero.webp) center/cover no-repeat}
.banner:before{content:"";position:absolute;inset:0;background:rgba(20,33,61,.68)}
.banner .wrap{position:relative}
.banner h1{margin:0;font-size:clamp(30px,4vw,44px)}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;padding:13px 26px;border-radius:6px;font-weight:600;border:0;cursor:pointer;font-size:16px}
.btn:hover{background:#cf4420}
.btn.ghost{background:transparent;border:2px solid #fff;margin-left:10px}
section{padding:72px 0}
section.alt{background:var(--bg)}
h2{color:var(--navy);font-size:30px;margin:0 0 18px;line-height:1.25}
h3{color:var(--navy);font-size:20px;margin:0 0 10px}
.lead{font-size:18px;color:var(--muted);max-width:780px}
.grid{display:grid;gap:26px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px}
.card .ic{width:44px;height:44px;border-radius:10px;background:#fdece6;color:var(--accent);display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:16px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.split img{border-radius:12px;width:100%;height:100%;max-height:520px;object-fit:cover}
.steps{counter-reset:s;list-style:none;padding:0;margin:24px 0 0}
.steps li{counter-increment:s;position:relative;padding:0 0 18px 52px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600}
.prose{max-width:820px}
.prose h2{margin-top:44px}
.prose h2:first-child{margin-top:0}
.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{opacity:.9;margin:0 0 26px}
form .row{margin-bottom:16px}
label{display:block;font-weight:600;font-size:14px;margin-bottom:6px;color:var(--navy)}
input,textarea{width:100%;padding:12px 14px;border:1px solid #cdd3dd;border-radius:6px;font:inherit}
textarea{min-height:150px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted)}
.check input{width:auto;margin-top:5px}
.hp{position:absolute;left:-9999px}
footer{background:#0f1830;color:#c9cfdb;padding:56px 0 24px;font-size:15px}
footer h4{color:#fff;margin:0 0 14px;font-size:16px}
footer a{color:#c9cfdb;text-decoration:none}
footer a:hover{color:#fff}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:6px}
footer .legal{border-top:1px solid #26314d;margin-top:40px;padding-top:20px;font-size:13px;color:#8d96a8}
@media(max-width:860px){
 .g3,.g2,.split,footer .cols{grid-template-columns:1fr}
 .burger{display:block}
 nav ul{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;gap:0;border-bottom:1px solid var(--line)}
 nav ul.open{display:flex}
 nav li a{display:block;padding:14px 20px;border-top:1px solid var(--line)}
 .hero{min-height:460px}
 .btn.ghost{margin:12px 0 0}
 section{padding:52px 0}
}

body{background:#f6f7fa}
section.alt{background:#eaedf3}
header.top{position:fixed;left:0;right:0;top:0;background:transparent;border-bottom:1px solid rgba(255,255,255,.14);box-shadow:none;backdrop-filter:none;-webkit-backdrop-filter:none;transition:background .25s,box-shadow .25s,border-color .25s}
header.top.scrolled{background:rgba(27,41,72,.97);border-bottom-color:transparent;box-shadow:0 2px 14px rgba(0,0,0,.15)}
html{scroll-padding-top:84px}
nav a{color:#fff}
nav a:hover,nav a.on{color:#ff8a65}
.burger{color:#fff}
body .q-hero,body .banner{border-top:72px solid transparent;background-origin:border-box}
body .q-hero:before,body .banner:before{top:-72px}
@media(max-width:860px){nav ul{background:rgba(20,33,61,.97);border-bottom:0}nav li a{border-top:1px solid rgba(255,255,255,.1)}}