:root{--navy:#0b2545;--navy2:#13315c;--teal:#0f9d94;--teal-l:#5eead4;--bg:#fbfaf7;--alt:#f1f3f6;--ink:#1c2430;--muted:#5a6575;--line:#dde2ea;--card:#fff}
@media (prefers-color-scheme:dark){:root{--bg:#0d1520;--alt:#111c2b;--ink:#e8edf4;--muted:#9aa7b8;--line:#243247;--card:#142033;--teal:#2dd4bf}}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans",sans-serif;background:var(--bg);color:var(--ink)}
a{color:var(--teal)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--teal-l);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:#000;padding:8px 12px;z-index:99}.skip:focus{left:8px;top:8px}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:.3em 0;letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3vw,2rem);line-height:1.25;margin:0 0 .4em}
h3{font-size:1.15rem;margin:.2em 0 .4em}
.muted,.hint{color:var(--muted)}.hint{font-size:.9rem}
.center{text-align:center;margin-top:28px}
.site-header{position:sticky;top:0;background:var(--navy);z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:1.1rem}
.site-footer .brand{color:var(--ink)}
nav{display:flex;align-items:center;gap:6px}
nav a{color:#dbe6f5;text-decoration:none;padding:10px 12px;border-radius:8px;min-height:44px;display:inline-flex;align-items:center}
nav a:hover,nav a[aria-current]{background:rgba(255,255,255,.1);color:#fff}
nav a.btn{color:var(--navy);background:var(--teal-l);margin-left:6px}
.menu-btn{display:none;background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4);border-radius:8px;padding:10px 14px;min-height:44px;font:inherit}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:10px 22px;border-radius:10px;background:var(--teal);color:#fff;font-weight:600;text-decoration:none;border:2px solid var(--teal);cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{filter:brightness(1.08)}
.btn-sm{padding:6px 14px}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline{background:transparent;color:var(--teal)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:84px 0 88px}
.hero .lead{max-width:700px;color:#d3dff0;font-size:1.15rem}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--teal);margin:0}
.hero .eyebrow,.page-head .eyebrow{color:var(--teal-l)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.page-head{background:var(--navy);color:#fff;padding:52px 0 44px}
.page-head .lead{color:#d3dff0;max-width:720px;font-size:1.1rem;margin:0}
.page-head .muted{color:#aebdd3}
.section{padding:64px 0}.alt{background:var(--alt)}
.sub{color:var(--muted);margin:0 0 28px}
.grid2,.grid3{display:grid;gap:20px}
.grid2{grid-template-columns:repeat(2,1fr)}.grid3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 1px 2px rgba(11,37,69,.05)}
.card.big{padding:30px}
.ico{width:36px;height:36px;border-radius:10px;background:var(--navy);color:var(--teal-l);display:grid;place-items:center;font-weight:700;margin-bottom:10px}
.tag{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:0;font-weight:700}
.steps{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:s}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px;display:flex;flex-direction:column;gap:4px}
.steps li::before{content:counter(s);width:28px;height:28px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem}
.steps span{color:var(--muted);font-size:.92rem}
.list{padding-left:1.2em}.list li{margin:.3em 0}
.note{border-left:4px solid var(--teal);background:var(--alt);padding:14px 18px;border-radius:8px;margin:20px 0}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line)}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff}
details{background:var(--card);border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:0 18px}
summary{cursor:pointer;padding:14px 0;font-weight:600;min-height:44px}
details p{margin:0 0 14px}
.cta{background:var(--navy);color:#fff;text-align:center;padding:60px 0}
.cta p{color:#d3dff0}
.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:32px;align-items:start}
.field{margin-bottom:18px}
label{display:block;font-weight:600;margin-bottom:6px}
input:not([type=checkbox]),select,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid var(--line);border-radius:8px;background:var(--card);color:var(--ink);min-height:44px}
.check{display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:start}
.check input{width:22px;height:22px;margin-top:4px}.check label{font-weight:400;margin:0}.check .err{grid-column:2}
.err{color:#c62828;font-size:.9rem;margin:4px 0 0;min-height:0}
@media (prefers-color-scheme:dark){.err{color:#ff8a80}}
address{font-style:normal}
.prose h2{font-size:1.25rem;margin-top:1.8em}
.site-footer{background:var(--alt);border-top:1px solid var(--line);padding-top:44px}
.foot{display:grid;grid-template-columns:1.4fr 1.4fr 1fr;gap:28px}
.foot h3{font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.plain{list-style:none;padding:0;margin:0}.plain li{margin:6px 0}
.legal{padding:24px 20px;margin-top:24px;border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}
@media (max-width:900px){
 .grid3,.steps{grid-template-columns:repeat(2,1fr)}
 .contact-grid,.foot{grid-template-columns:1fr}
}
@media (max-width:767px){
 .menu-btn{display:block}
 nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 20px 20px}
 nav.open{display:flex}
 nav a.btn{margin:8px 0 0;justify-content:center}
 .grid2,.grid3,.steps{grid-template-columns:1fr}
 .hero{padding:56px 0}.section{padding:44px 0}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}