:root{--navy:#0f2a5c;--blue:#1d4ed8;--red:#d62828;--ink:#1b2333;--mut:#5b6474;--bg:#f5f7fb;--line:#e3e8f0;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:16.5px}
a{color:var(--blue)}img{max-width:100%;height:auto;display:block;border-radius:var(--r)}
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}
.top{background:var(--navy);color:#cfd8ea;font-size:14px}
.top .wrap{display:flex;gap:18px;justify-content:space-between;padding:7px 18px;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none}.top span{display:inline-flex;gap:6px;align-items:center}
header.main{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.main .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{font-weight:900;font-size:24px;text-decoration:none;letter-spacing:.5px;color:var(--red)}
.logo b{color:var(--navy)}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:8px}
nav a:hover,nav a.on{color:var(--blue);background:#eef3ff}
nav li{position:relative}
nav .dd{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(15,42,92,.12);min-width:230px;padding:6px;flex-direction:column}
nav li:hover .dd,nav li:focus-within .dd{display:flex}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:10px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:16px}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#b81f1f}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:#1840b0}
.btn-line{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.burger{display:none;background:none;border:0;font-size:28px;color:var(--navy);cursor:pointer}
.hero{position:relative;color:#fff;background:var(--navy)}
.hero img{border-radius:0;width:100%;height:520px;object-fit:cover;opacity:.38}
.hero .in{position:absolute;inset:0;display:flex;align-items:center}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 14px;max-width:760px}
.hero p{font-size:19px;max-width:640px;margin:0 0 22px;color:#e6ecf8}
.hero .cta{display:flex;gap:10px;flex-wrap:wrap}
.pagehead{background:linear-gradient(120deg,var(--navy),#1b3f86);color:#fff;padding:38px 0 30px}
.pagehead h1{margin:0 0 6px;font-size:36px;line-height:1.2}
.crumb{font-size:14px;color:#c7d3ec}.crumb a{color:#fff;text-decoration:none}
section{padding:54px 0}section.alt{background:var(--bg)}
h2{font-size:30px;line-height:1.25;color:var(--navy);margin:0 0 14px}
h3{font-size:20px;color:var(--navy);margin:18px 0 8px}
.lead{font-size:18px;color:var(--mut);max-width:820px}
.grid{display:grid;gap:22px}.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:0 4px 14px rgba(15,42,92,.05)}
.card img{margin:-22px -22px 16px;width:calc(100% + 44px);max-width:none;border-radius:var(--r) var(--r) 0 0;aspect-ratio:4/3;object-fit:cover}
.card h3{margin-top:0}.card a.more{font-weight:700;text-decoration:none}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.trust>div{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}
.trust svg{color:#fff;background:#16a34a;border-radius:50%;padding:3px;flex:none}
.trust strong{display:block;color:var(--navy)}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:0}
.tabs button{border:1px solid var(--line);background:#fff;padding:11px 16px;border-radius:10px 10px 0 0;font-weight:700;cursor:pointer;color:var(--navy);font-size:15px}
.tabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.tabp{display:none;background:#fff;border:1px solid var(--line);border-radius:0 12px 12px 12px;padding:24px}.tabp.on{display:block}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}
ul.tick{list-style:none;padding:0;margin:12px 0}ul.tick li{padding:6px 0 6px 30px;position:relative}
ul.tick li:before{content:"✓";position:absolute;left:0;top:5px;width:22px;height:22px;border-radius:50%;background:#e7f6ec;color:#16a34a;font-weight:900;text-align:center;line-height:22px;font-size:13px}
ol.steps{counter-reset:s;list-style:none;padding:0}ol.steps li{counter-increment:s;padding:10px 0 10px 50px;position:relative;border-bottom:1px dashed var(--line)}
ol.steps li:before{content:counter(s);position:absolute;left:0;top:9px;width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;text-align:center;line-height:34px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:700;padding:15px 0;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;font-size:22px;line-height:1}
.faq details[open] summary:after{content:"–"}.faq details p{margin:0 0 15px}
.ctabar{background:var(--red);color:#fff;padding:34px 0}.ctabar .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.ctabar h2{color:#fff;margin:0;font-size:26px}.ctabar .btn-line{border-color:#fff}
.side{display:flex;flex-direction:column;gap:10px}
.side a.box{display:block;border:2px solid var(--line);border-radius:10px;padding:12px 14px;text-decoration:none;color:var(--navy);font-weight:700;background:#fff}
.side a.box:hover{border-color:var(--blue);color:var(--blue)}
.side .callbox{background:var(--navy);color:#fff;border-radius:12px;padding:18px}
.side .callbox a{color:#fff;font-size:22px;font-weight:800;text-decoration:none}
.content{display:grid;grid-template-columns:1fr 300px;gap:36px}
.content figure{margin:18px 0}.content figcaption{font-size:14px;color:var(--mut);margin-top:6px}
table{width:100%;border-collapse:collapse;margin:14px 0;background:#fff}th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}th{background:var(--bg);color:var(--navy)}
.chips{display:flex;flex-wrap:wrap;gap:8px;padding:0;list-style:none}.chips li{background:#eef3ff;color:var(--navy);border-radius:30px;padding:7px 14px;font-weight:600;font-size:15px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-weight:700;color:var(--navy);margin:10px 0 5px;font-size:15px}
input,select,textarea{width:100%;padding:12px;border:1px solid #cfd7e4;border-radius:10px;font:inherit;background:#fff}
textarea{min-height:110px}
.result{display:none;margin-top:20px;background:#eef3ff;border:2px solid var(--blue);border-radius:12px;padding:20px}
.map{border:0;width:100%;height:380px;border-radius:var(--r)}
footer{background:#0b1f45;color:#b9c5dd;padding:46px 0 0;font-size:15px}
footer .grid{grid-template-columns:1.3fr 1fr 1fr 1.2fr}
footer h4{color:#fff;margin:0 0 12px;font-size:17px}footer a{color:#dbe4f5;text-decoration:none}footer ul{list-style:none;padding:0;margin:0}footer li{padding:4px 0}
footer .copy{border-top:1px solid #1d3463;margin-top:30px;padding:16px 0;text-align:center;font-size:14px}
.mbar{display:none}
@media(max-width:900px){
 .g3,.g4,.trust{grid-template-columns:1fr 1fr}.split,.content,.g2,footer .grid{grid-template-columns:1fr}
 .burger{display:block}nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px}
 nav.open{display:block}nav ul{flex-direction:column;align-items:stretch}nav .dd{display:flex;position:static;box-shadow:none;border:0;padding-left:14px}
 header .hbtn{display:none}.hero h1{font-size:32px}.hero img{height:560px}.pagehead h1{font-size:28px}h2{font-size:25px}
 .mbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60}
 .mbar a{padding:14px;text-align:center;color:#fff;font-weight:800;text-decoration:none}body{padding-bottom:52px}
}
@media(max-width:560px){.g3,.g4,.trust,form .row{grid-template-columns:1fr}.top .addr{display:none}}