:root{--navy:#0b1f4d;--navy-2:#13306b;--blue:#2563eb;--orange:#ff7a1a;--orange-2:#ff9444;--bg:#f5f7fc;--ink:#12203a;--muted:#5b6b86;--line:#e1e7f3;--white:#fff;--radius:16px;--shadow:0 8px 28px rgba(11,31,77,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.7 Inter,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:62px}
a{color:var(--blue)}
a:hover{color:var(--navy)}
img,svg{max-width:100%;height:auto}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:99}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:14px;min-height:68px}
.brand{display:block;line-height:0}
.brand svg{height:44px;width:auto}
.nav{margin-left:auto;display:none;align-items:center;gap:2px}
.nav a,.nav summary{color:var(--navy);text-decoration:none;padding:10px 12px;border-radius:10px;font-size:.96rem;font-weight:600;cursor:pointer;list-style:none}
.nav a:hover,.nav summary:hover{background:var(--bg)}
.nav .tel{background:var(--orange);color:#fff;margin-left:8px;padding:11px 16px}
.nav .tel:hover{background:var(--orange-2);color:#fff}
.dd{position:relative}
.dd summary::-webkit-details-marker{display:none}
.dd summary::after{content:" ▾";font-size:.8em}
.dd .panel{position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;min-width:250px;z-index:5}
.dd .panel a{display:block;font-weight:500}
.mobile{margin-left:auto;display:flex;align-items:center;gap:8px}
.mobile .tel{background:var(--orange);color:#fff;text-decoration:none;font-weight:700;padding:10px 14px;border-radius:10px;font-size:.95rem}
.mobile details{position:relative}
.mobile summary{list-style:none;cursor:pointer;padding:10px 14px;border:1px solid var(--line);border-radius:10px;font-weight:700;color:var(--navy)}
.mobile summary::-webkit-details-marker{display:none}
.mobile .panel{position:absolute;right:0;top:calc(100% + 8px);width:min(88vw,300px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px}
.mobile .panel a{display:block;padding:11px 12px;color:var(--navy);text-decoration:none;font-weight:600;border-radius:8px}
.mobile .panel a:hover{background:var(--bg)}
@media(min-width:960px){.nav{display:flex}.mobile{display:none}}

/* crumbs */
.crumbs{font-size:.86rem;color:var(--muted);padding:16px 18px 0}
.crumbs a{color:var(--muted)}
.crumbs span{margin:0 6px}

/* hero */
.hero{background:radial-gradient(1000px 420px at 85% -10%,#2f63d8 0%,transparent 60%),linear-gradient(135deg,var(--navy) 0%,#10296a 100%);color:#fff;padding:40px 0 46px;margin-top:12px;overflow:hidden}
.hero .wrap{display:grid;gap:24px;align-items:center}
.hero h1{font-size:clamp(1.65rem,4.6vw,2.7rem);line-height:1.15;margin:0 0 14px;letter-spacing:-.02em}
.hero .lead{font-size:1.1rem;color:#e7eeff;margin:0 0 12px;max-width:720px}
.hero p{max-width:720px;color:#cdd9f5;margin:0 0 10px}
.hero .art{display:none}
.hero.home{padding:58px 0 64px;margin-top:0}
.pill{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:#ffd7b8;padding:5px 12px;border-radius:999px;font-size:.84rem;font-weight:600;margin-bottom:14px}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.25fr .75fr}.hero .art{display:block}}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 22px;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid transparent;font-size:1rem}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:var(--orange-2);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff}

/* trust */
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:-26px auto 0;position:relative;z-index:2}
.trust div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;box-shadow:var(--shadow);font-size:.93rem;color:var(--muted)}
.trust strong{display:block;color:var(--navy);font-size:1.02rem}

/* sections */
section.block{padding:34px 0 6px}
h2{font-size:clamp(1.3rem,3.2vw,1.8rem);line-height:1.22;margin:0 0 16px;color:var(--navy);letter-spacing:-.01em}
h3{font-size:1.06rem;margin:0 0 6px;color:var(--navy)}
.prose p{margin:0 0 14px;max-width:860px}
.prose ul,.prose ol{max-width:860px;padding-left:22px}
.prose li{margin-bottom:6px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.card p{margin:0;color:var(--muted);font-size:.96rem}
.card h3 a{text-decoration:none;color:var(--navy)}
.card h3 a:hover{color:var(--blue)}
.card .more{display:inline-block;margin-top:10px;font-weight:600;font-size:.93rem}
.ico{width:42px;height:42px;border-radius:12px;background:#eaf0ff;display:flex;align-items:center;justify-content:center;margin-bottom:10px;color:var(--blue);font-weight:800}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;list-style:none;padding:0;margin:0}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 16px 18px 58px;position:relative}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:14px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.steps strong{display:block;color:var(--navy)}
.steps span{color:var(--muted);font-size:.94rem}
.notice{background:#fff4e8;border:1px solid #ffd9b5;border-radius:var(--radius);padding:14px 16px;margin:16px 0;font-size:.95rem}

/* faq */
details.faq{background:#fff;border:1px solid var(--line);border-radius:14px;margin:0 0 10px}
details.faq summary{cursor:pointer;padding:15px 18px;font-weight:650;color:var(--navy);list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";float:right;font-weight:800;color:var(--orange)}
details.faq[open] summary::after{content:"–"}
details.faq p{margin:0;padding:0 18px 16px}

/* lists */
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none;font-size:.92rem;color:var(--navy)}
.chips a:hover{border-color:var(--blue);background:#eef3ff}
.cols{columns:3 220px;column-gap:24px;list-style:none;padding:0;margin:0}
.cols li{break-inside:avoid;padding:3px 0;font-size:.95rem}
.zones{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}
.zones a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;text-decoration:none;box-shadow:var(--shadow)}
.zones a strong{display:block;color:var(--navy)}
.zones a span{color:var(--muted);font-size:.9rem}
.zones a:hover{border-color:var(--blue)}

/* blog */
.post-meta{color:var(--muted);font-size:.9rem;margin:0 0 10px}
.post h2{margin-top:26px}
.post p,.post ul,.post ol{max-width:780px}
.post li{margin-bottom:6px}
.articles{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.articles a{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);color:var(--ink)}
.articles a strong{display:block;color:var(--navy);margin-bottom:6px;font-size:1.05rem}
.articles a span{color:var(--muted);font-size:.94rem}
.articles a:hover{border-color:var(--blue)}

/* band */
.band{background:linear-gradient(135deg,var(--navy),#10296a);color:#fff;margin-top:40px;padding:34px 0}
.band h2{color:#fff;margin-bottom:8px}
.band p{color:#cdd9f5;margin:0 0 6px}
.band a:not(.btn){color:#ffd7b8}

/* footer */
.site-footer{background:#08163a;color:#a8b6d6;padding:34px 0 22px;font-size:.93rem}
.site-footer a{color:#d3def5}
.site-footer .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:26px}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{padding:3px 0}
.site-footer .copy{margin-top:22px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px}

/* call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;background:var(--orange);z-index:60;display:flex}
.callbar a{flex:1;text-align:center;padding:16px 10px;font-weight:800;color:#fff;text-decoration:none;font-size:1.05rem}
@media(min-width:760px){.callbar{display:none}body{padding-bottom:0}}