:root{--navy:#0b1f3a;--navy2:#132c52;--gold:#c8a24a;--ink:#14213d;--mut:#5b6b82;--line:#e3e8ef;--bg:#f6f8fb;--card:#fff;--wrap:1200px}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:"Montserrat","Inter",sans-serif;font-weight:700;letter-spacing:-.015em;line-height:1.12}h1{font-size:clamp(2.3rem,5vw,4rem)}h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}h3{font-size:1.15rem}
.kicker{font-size:.75rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--gold)}
.lead{color:var(--mut);font-size:1.1rem;max-width:64ch}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:6px;font-weight:600;font-size:.95rem;transition:.2s}
.btn-gold{background:var(--gold);color:#1b1404}.btn-gold:hover{filter:brightness(1.07)}.btn-line{border:1px solid rgba(255,255,255,.5);color:#fff}.btn-line:hover{background:#fff;color:var(--navy)}
.top{background:var(--navy);color:#cdd6e4;font-size:.8rem}.top .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 24px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{font-family:"Montserrat";font-weight:800;font-size:1.35rem;color:var(--navy);letter-spacing:.04em}.logo small{display:block;font-size:.6rem;letter-spacing:.3em;color:var(--gold);font-weight:700}
.menu{display:flex;gap:24px;list-style:none;font-size:.92rem;font-weight:500}.menu a:hover{color:var(--gold)}.burger{display:none;background:none;border:0;font-size:1.7rem;color:var(--navy);cursor:pointer}
.hero{background:linear-gradient(120deg,var(--navy) 0%,var(--navy2) 60%,#1d3d6e 100%);color:#fff;padding:110px 0 100px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border:60px solid rgba(200,162,74,.12);border-radius:50%}
.hero .wrap{position:relative;z-index:1}.hero h1{max-width:18ch;margin:16px 0 20px}.hero .lead{color:#c9d3e3}.acts{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:10px;margin-top:-50px;position:relative;z-index:2;box-shadow:0 20px 40px -25px rgba(11,31,58,.35)}
.stats div{padding:26px 22px;border-right:1px solid var(--line)}.stats div:last-child{border:0}.stats b{display:block;font-family:"Montserrat";color:var(--navy);font-size:1.05rem}.stats span{color:var(--mut);font-size:.88rem}
section{padding:96px 0}.head{max-width:760px;margin-bottom:46px}.head h2{margin:12px 0 14px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:28px;transition:.25s;display:flex;flex-direction:column}
.card:hover{border-color:var(--gold);box-shadow:0 18px 40px -26px rgba(11,31,58,.45);transform:translateY(-3px)}
.card h3{color:var(--navy);margin-bottom:8px}.card p{color:var(--mut);font-size:.94rem}.card ul{margin:14px 0 0 18px;color:var(--ink);font-size:.9rem}.card li{margin:3px 0}
.card .more{margin-top:auto;padding-top:16px;color:var(--gold);font-weight:600;font-size:.9rem}
.num{font-family:"Montserrat";font-weight:800;color:var(--gold);font-size:.85rem;letter-spacing:.1em}
.dark{background:var(--navy);color:#fff}.dark .lead{color:#c9d3e3}.dark .card{background:var(--navy2);border-color:#24406b}.dark .card h3{color:#fff}.dark .card p{color:#c9d3e3}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{border-top:3px solid var(--gold);padding-top:18px}.step h3{margin:8px 0}.step p{color:#c9d3e3;font-size:.92rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.data{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px}.data dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--mut);margin-top:14px}.data dd{font-weight:600}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between}.faq summary:after{content:"+";color:var(--gold)}.faq details[open] summary:after{content:"–"}.faq p{color:var(--mut);margin-top:8px}
.cta{background:linear-gradient(120deg,var(--navy),#1d3d6e);color:#fff;text-align:center}.cta h2{max-width:22ch;margin:12px auto}.cta .lead{color:#c9d3e3;margin:0 auto}.cta .acts{justify-content:center}
footer{background:#081629;color:#9fb0c8;padding:56px 0 26px;font-size:.9rem}footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}footer h4{color:#fff;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:12px}footer li{list-style:none;padding:3px 0}footer a:hover{color:#fff}
.legal{border-top:1px solid #1d2c45;margin-top:36px;padding-top:18px;font-size:.8rem}
.crumbs{font-size:.85rem;color:#c9d3e3}.wa{position:fixed;right:18px;bottom:18px;width:56px;height:56px;border-radius:50%;background:#25d366;display:flex;align-items:center;justify-content:center;z-index:60;box-shadow:0 10px 24px -8px rgba(0,0,0,.45)}
@media(max-width:980px){.menu{display:none}.burger{display:block}.menu.open{display:flex;flex-direction:column;position:absolute;top:74px;left:0;right:0;background:#fff;padding:18px 24px;border-bottom:1px solid var(--line)}.grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}footer .cols{grid-template-columns:1fr}}
@media(max-width:620px){.wrap{padding:0 16px}section{padding:66px 0}.grid,.steps{grid-template-columns:1fr}.hero{padding:70px 0 90px}.stats div{border-right:0;border-bottom:1px solid var(--line)}}