:root{--navy:#010d22;--navy2:#0a1c3a;--orange:#fa4901;--light:#f5f7fa;--text:#1b2433;--muted:#5b667a}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.65;font-size:17px;background:#fff}
a{color:var(--orange)}img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
header{background:var(--navy);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav img{height:38px;width:auto;display:block}
.nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0;align-items:center}
.nav a{color:#fff;text-decoration:none;font-size:15px;font-weight:500}
.nav a:hover,.nav a.on{color:var(--orange)}
.nav .btn-s{background:var(--orange);color:#fff;padding:9px 18px;border-radius:6px}
.nav .btn-s:hover{color:#fff;background:#d93f00}
.hero{background:var(--navy);color:#fff;padding:96px 0 88px}
.hero.sm{padding:72px 0 64px}
.kicker{color:var(--orange);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:13px;margin:0 0 14px}
h1{font-size:clamp(34px,5vw,54px);line-height:1.1;margin:0 0 20px;letter-spacing:-.01em}
.hero p.lead{font-size:20px;max-width:720px;color:#d4dbe8;margin:0 0 32px}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--orange);color:#fff;padding:14px 26px;border-radius:7px;text-decoration:none;font-weight:600;border:2px solid var(--orange);cursor:pointer;font-size:16px}
.btn:hover{background:#d93f00;border-color:#d93f00}
.btn.ghost{background:transparent;color:#fff;border-color:#fff}.btn.ghost:hover{background:#fff;color:var(--navy)}
.btn.dark{background:var(--navy);border-color:var(--navy)}
section{padding:72px 0}section.alt{background:var(--light)}section.dark{background:var(--navy);color:#fff}
h2{font-size:clamp(26px,3.4vw,36px);line-height:1.2;margin:0 0 18px;letter-spacing:-.01em}
h3{font-size:20px;margin:0 0 8px}
.sub{color:var(--muted);max-width:720px;margin:0 0 36px}
section.dark .sub{color:#c3cde0}
.grid{display:grid;gap:24px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid #e3e8f0;border-radius:12px;padding:28px}
section.alt .card{border-color:#e3e8f0}
.card.d{background:var(--navy2);border-color:#1c2f52;color:#fff}
.card .num{font-size:40px;font-weight:800;color:var(--orange);line-height:1;margin-bottom:6px}
.card a.more{font-weight:600;text-decoration:none}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:0 0 8px}
.fact{border-left:3px solid var(--orange);padding-left:16px}.fact b{display:block;font-size:30px;line-height:1.1;color:#fff}.fact span{color:#c3cde0;font-size:15px}
ul.tick{list-style:none;padding:0;margin:0}ul.tick li{padding-left:28px;position:relative;margin:10px 0}
ul.tick li:before{content:"";position:absolute;left:0;top:.55em;width:14px;height:14px;border-radius:50%;background:var(--orange)}
.steps{counter-reset:s;display:grid;gap:20px;grid-template-columns:repeat(3,1fr)}
.step{background:#fff;border:1px solid #e3e8f0;border-radius:12px;padding:26px;position:relative}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:22px;background:var(--orange);color:#fff;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700}
.step h3{margin-top:10px}
.note{background:#fff3ee;border-left:4px solid var(--orange);padding:18px 22px;border-radius:6px;margin:28px 0}
form{display:grid;gap:14px;max-width:640px}
label{font-weight:600;font-size:15px;display:block;margin-bottom:5px}
input[type=text],input[type=email],textarea{width:100%;padding:13px 14px;border:1px solid #c9d2e0;border-radius:7px;font:inherit;background:#fff;color:var(--text)}
.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:15px}.chk input{margin-top:5px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hp{position:absolute;left:-9999px}
.msg{display:none;padding:14px 18px;border-radius:7px;background:#e8f7ee;color:#14532d;font-weight:600}
footer{background:var(--navy);color:#c3cde0;padding:48px 0 36px;font-size:15px}
footer a{color:#fff;text-decoration:none}footer a:hover{color:var(--orange)}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
footer img{height:34px;margin-bottom:12px}
.small{font-size:13px;color:#8a97b1;margin-top:28px;border-top:1px solid #1c2f52;padding-top:20px}
.tl{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tl div{border-top:3px solid var(--orange);padding-top:12px}.tl b{display:block;color:var(--navy)}
section.dark .tl b{color:#fff}
.legal h2{font-size:22px;margin-top:36px}.legal p,.legal li{max-width:760px}
@media(max-width:860px){.g3,.g2,.steps,.tl,.fgrid,.facts{grid-template-columns:1fr}.row2{grid-template-columns:1fr}
.nav ul{gap:14px;font-size:13px;flex-wrap:wrap;justify-content:flex-end}.nav{height:auto;padding:12px 0;flex-wrap:wrap}.hero{padding:64px 0}}