:root{--b:#0b3d91;--d:#0a1f44;--a:#ffb703;--t:#1f2937;--m:#6b7280;--l:#f3f6fb}
*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,Segoe UI,Roboto,Arial,sans-serif;color:var(--t);line-height:1.6}
a{color:var(--b)}.wrap{max-width:1180px;margin:auto;padding:0 20px}.narrow{max-width:860px}.c{text-align:center}
.adbar{background:var(--d);color:#cbd5e1;font-size:.78rem;text-align:center;padding:5px}
.hdr{background:#fff;border-bottom:1px solid #e5e7eb;position:sticky;top:0;z-index:20}.hdr .wrap{display:flex;align-items:center;gap:24px;height:66px}
.logo{font-weight:800;font-size:1.35rem;text-decoration:none;color:var(--d)}.logo span{color:var(--b)}.logo em{font-style:normal;color:var(--a);margin-left:2px}
.hdr nav{display:flex;gap:18px;margin-left:auto}.hdr nav a{text-decoration:none;color:var(--t);font-weight:500}
.call{background:var(--a);color:var(--d);padding:9px 14px;border-radius:8px;font-weight:700;text-decoration:none;white-space:nowrap}
.btn{display:inline-block;background:var(--b);color:#fff;border:0;padding:13px 22px;border-radius:10px;font-weight:700;font-size:1rem;cursor:pointer;text-decoration:none}
.btn.ghost{background:#fff;color:var(--b);border:2px solid var(--b)}.btn.light{background:var(--a);color:var(--d)}.btn.ghostlight{background:transparent;color:#fff;border:2px solid #fff}
.hero{background:linear-gradient(135deg,var(--d),#123b7a 60%,#1d4ed8);color:#fff;padding:56px 0}
.grid2{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:start}
.hero h1{font-size:2.6rem;line-height:1.15;margin:.3em 0}.hero h1 span{color:var(--a)}.kicker{text-transform:uppercase;letter-spacing:.08em;font-weight:700;font-size:.8rem;color:var(--a);margin:0}
.sec .kicker{color:var(--b);text-align:center}.lead{font-size:1.1rem;opacity:.95}.ticks{list-style:none;padding:0}.ticks li:before{content:"✓ ";color:var(--a);font-weight:800}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:18px 0}.hero .cta .btn.ghost{background:transparent;color:#fff;border-color:#fff}.fine{font-size:.85rem;color:var(--m)}.hero .fine{color:#cbd5e1}
.formcard{background:#fff;color:var(--t);border-radius:16px;padding:24px;box-shadow:0 20px 50px rgba(0,0,0,.3)}.formcard h2{margin:0;color:var(--d)}.sub{color:var(--m);margin:.2em 0 1em}
.lf label{display:block;font-weight:600;font-size:.9rem;margin:10px 0}.lf input:not([type=radio]):not([type=checkbox]),.lf select{width:100%;padding:11px;border:1px solid #cbd5e1;border-radius:8px;font:inherit;margin-top:4px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.q{border:0;padding:0;margin:0 0 12px}.q legend{font-weight:600;margin-bottom:6px}
.yn{display:flex;gap:10px}.yn label{flex:1;margin:0!important}.yn input{position:absolute;opacity:0}.yn span{display:block;text-align:center;padding:11px;border:2px solid #cbd5e1;border-radius:10px;cursor:pointer}
.yn input:checked+span{border-color:var(--b);background:#e8efff;color:var(--b)}.yn input:focus-visible+span{outline:2px solid var(--a)}
.warn{display:none;color:#92400e;background:#fef3c7;padding:6px 10px;border-radius:6px;font-size:.82rem}.warn.on{display:block}
.progress{font-size:.8rem;color:var(--m);margin-bottom:6px}.bar{height:6px;background:#e5e7eb;border-radius:9px}.bar i{display:block;height:100%;width:25%;background:var(--a);border-radius:9px;transition:width .3s}
.nav{display:flex;justify-content:space-between;gap:10px;margin-top:14px}.nav .next,.nav [type=submit]{margin-left:auto}
.consent{display:block!important;font-weight:400!important;font-size:.74rem!important;line-height:1.45;color:#4b5563;background:var(--l);padding:10px;border-radius:8px}
.consent input{margin-right:6px;transform:scale(1.2);vertical-align:-2px}.err{color:#b91c1c;font-size:.85rem;min-height:1em;margin:6px 0 0}
.hp{position:absolute;left:-9999px}
.stats{background:var(--a)}.s4{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:18px 20px}.s4 b{display:block;font-size:1.6rem;color:var(--d)}.s4 span{font-size:.85rem}
.sec{padding:64px 0}.sec.alt{background:var(--l)}.sec h2{text-align:center;font-size:2rem;color:var(--d);margin:.2em 0 .6em}
.g3,.g4{display:grid;gap:18px}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid #e5e7eb;border-radius:14px;padding:20px;box-shadow:0 4px 14px rgba(10,31,68,.05)}.card h3{margin:.4em 0;color:var(--d);font-size:1.1rem}.card p{margin:0;color:var(--m);font-size:.95rem}
.ic{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:12px;background:#e8efff;font-size:1.3rem;font-weight:800;color:var(--b)}
.steps .ic{background:var(--b);color:#fff}.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}.chips span{background:#fff;border:1px solid #cbd5e1;border-radius:99px;padding:6px 14px}
.qs{max-width:620px;margin:0 auto 20px;columns:1}.qs li{margin:6px 0}
details{background:#fff;border:1px solid #e5e7eb;border-radius:10px;padding:14px 18px;margin:10px 0}summary{font-weight:700;cursor:pointer;color:var(--d)}
.band{background:var(--b);color:#fff;padding:54px 0}.band h2{margin-top:0}
.ftr{background:var(--d);color:#cbd5e1;padding:44px 0 20px;font-size:.92rem}.ftr .logo{color:#fff}.cols{display:grid;grid-template-columns:2fr 1fr 1.4fr 1.3fr;gap:28px}.ftr h4{color:#fff;margin:0 0 10px}.ftr a{display:block;color:#cbd5e1;text-decoration:none;margin:4px 0}
.disc{border-top:1px solid #1e3a6b;margin-top:28px;padding-top:16px;font-size:.78rem}
.legal{padding:48px 0}.legal h1{color:var(--d)}.legal h2{color:var(--d);font-size:1.2rem;margin-top:1.6em}
.plist{columns:4;font-size:.85rem;padding-left:18px}.psearch{width:100%;max-width:420px;padding:10px;border:1px solid #cbd5e1;border-radius:8px;margin:8px 0 14px}
.modal{position:fixed;inset:0;background:rgba(0,0,0,.6);z-index:50;display:grid;place-items:center;padding:16px}.modal[hidden]{display:none}.mbox{background:#fff;border-radius:16px;padding:24px;max-width:560px;width:100%;max-height:92vh;overflow:auto;position:relative}.x{position:absolute;right:12px;top:8px;border:0;background:none;font-size:1.8rem;cursor:pointer}
@media(max-width:900px){.grid2,.g3,.g4,.cols,.s4{grid-template-columns:1fr 1fr}.grid2{grid-template-columns:1fr}.hdr nav{display:none}.plist{columns:2}.hero h1{font-size:2rem}}
@media(max-width:560px){.g3,.g4,.cols,.row{grid-template-columns:1fr}.call{font-size:.8rem}}
.geo{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:6px 12px;border-radius:99px;font-size:.9rem;margin:10px 0 0}
.geo .dot{flex:none;width:9px;height:9px;border-radius:50%;background:#22c55e;box-shadow:0 0 0 0 rgba(34,197,94,.7);animation:pulse 1.8s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 8px rgba(34,197,94,0)}100%{box-shadow:0 0 0 0 rgba(34,197,94,0)}}
@media(max-width:900px){.hero{padding:32px 0}.hero .lead,.hero .fine,.hero .ticks{display:none}.hero .cta{margin:12px 0 4px}}