:root{
  --bg:#f6f9fb;
  --surface:#ffffff;
  --surface-2:#eef5f8;
  --text:#17242d;
  --muted:#5f6f7a;
  --line:#dce8ee;
  --primary:#176b78;
  --primary-dark:#0f4f59;
  --primary-soft:#dff1f4;
  --accent:#d99b2b;
  --shadow:0 18px 45px rgba(23,36,45,.10);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.6;padding-bottom:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1160px,92vw);margin:0 auto}
.topbar{background:#17313b;color:#e8f4f6;font-size:14px}
.topbar .container{display:flex;gap:16px;justify-content:space-between;align-items:center;padding:8px 0;flex-wrap:wrap}
.topbar a{text-decoration:underline;text-underline-offset:3px}
.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:16px 0}
.logo{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.02em;font-size:21px;color:#112b33}
.logo-mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--primary),#51a5ad);display:grid;place-items:center;color:white;font-weight:900;box-shadow:0 10px 24px rgba(23,107,120,.22)}
.nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap;justify-content:flex-end}
.nav a{font-size:14px;color:#344b55;padding:9px 10px;border-radius:999px}
.nav a:hover,.nav a.active{background:var(--primary-soft);color:var(--primary-dark)}
.call-btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--primary);color:#fff!important;font-weight:800;border-radius:999px;padding:12px 18px;box-shadow:0 12px 25px rgba(23,107,120,.22);white-space:nowrap;border:0}
.call-btn:hover{background:var(--primary-dark);transform:translateY(-1px)}
.call-btn .icon{width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.18);display:grid;place-items:center}
.hero{position:relative;overflow:hidden;padding:72px 0 48px;background:linear-gradient(135deg,#f8fbfc 0%,#eaf4f6 55%,#f9f7f1 100%)}
.hero:before{content:"";position:absolute;right:-90px;top:20px;width:360px;height:360px;border-radius:50%;background:rgba(23,107,120,.08)}
.hero:after{content:"";position:absolute;left:-120px;bottom:-160px;width:340px;height:340px;border-radius:50%;background:rgba(217,155,43,.12)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(300px,.92fr);gap:42px;align-items:center}
.kicker{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:var(--surface);border:1px solid var(--line);color:var(--primary-dark);font-weight:700;font-size:14px;margin-bottom:16px}
h1{font-size:clamp(34px,5vw,62px);line-height:1.03;margin:0 0 18px;letter-spacing:-.045em;color:#102a32}
.lead{font-size:20px;color:#3b515b;margin:0 0 28px;max-width:690px}
.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-bottom:24px}
.secondary-btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid #b9cdd5;background:#fff;color:#18333b;font-weight:800;border-radius:999px;padding:12px 18px;white-space:nowrap}
.trust-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:18px;max-width:720px}
.trust-item{background:rgba(255,255,255,.78);border:1px solid var(--line);border-radius:16px;padding:14px}
.trust-item strong{display:block;font-size:15px;color:#122d35}.trust-item span{display:block;font-size:13px;color:var(--muted);margin-top:2px}
.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;position:relative;overflow:hidden}
.hero-card:before{content:"";position:absolute;inset:0 0 auto 0;height:8px;background:linear-gradient(90deg,var(--primary),#7dbac1,var(--accent))}
.card-title{font-size:25px;font-weight:900;letter-spacing:-.02em;margin:6px 0 10px;color:#112b33}
.check-list{display:grid;gap:12px;margin:22px 0;padding:0;list-style:none}.check-list li{display:flex;gap:11px;align-items:flex-start;color:#324852}.check{width:22px;height:22px;border-radius:50%;background:var(--primary-soft);color:var(--primary-dark);display:grid;place-items:center;flex:0 0 auto;font-weight:900;font-size:13px;margin-top:1px}
.phone-panel{border-radius:18px;background:#f1f8fa;border:1px solid #cfe2e7;padding:18px;margin-top:18px}.phone-panel small{display:block;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.08em}.phone-panel a{font-size:25px;font-weight:900;color:var(--primary-dark);letter-spacing:-.02em}
.section{padding:62px 0}.section.alt{background:#fff}.section-head{max-width:760px;margin:0 0 30px}.eyebrow{color:var(--primary);font-weight:900;text-transform:uppercase;letter-spacing:.09em;font-size:13px;margin:0 0 9px}.section h2{font-size:clamp(28px,3vw,42px);line-height:1.12;letter-spacing:-.035em;margin:0 0 12px;color:#112b33}.section p{color:#465a64}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.info-card{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 12px 30px rgba(23,36,45,.06)}.info-card h3{margin:0 0 8px;font-size:21px;color:#132e36;letter-spacing:-.02em}.info-card p{margin:0}.info-card .num{width:38px;height:38px;border-radius:13px;background:var(--primary-soft);color:var(--primary-dark);display:grid;place-items:center;font-weight:900;margin-bottom:14px}.cta-band{background:linear-gradient(135deg,#17313b,#176b78);color:#fff;border-radius:28px;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:24px;box-shadow:var(--shadow)}.cta-band h2{color:#fff;margin:0 0 6px}.cta-band p{color:#e0f2f4;margin:0}.cta-band .call-btn{background:#fff;color:#12333b!important}.cta-band .call-btn .icon{background:var(--primary-soft);color:var(--primary-dark)}
.content-page{padding:54px 0}.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:30px;align-items:start}.article{background:#fff;border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:0 14px 34px rgba(23,36,45,.06)}.article h1{font-size:clamp(34px,4vw,52px);margin-bottom:14px}.article h2{font-size:28px;margin:34px 0 10px;letter-spacing:-.025em}.article h3{font-size:21px;margin:24px 0 8px}.article p,.article li{color:#41545d}.article ul{padding-left:20px}.sidebar-card{position:sticky;top:98px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:0 14px 34px rgba(23,36,45,.06)}.sidebar-card h3{margin:0 0 10px;color:#102a32}.sidebar-card p{color:#536873}.breadcrumb{font-size:14px;color:#687b84;margin-bottom:18px}.breadcrumb a{text-decoration:underline;text-underline-offset:3px}.faq-item{border-bottom:1px solid var(--line);padding:18px 0}.faq-item:first-child{padding-top:0}.faq-item h3{margin:0 0 8px}.legal-block h2{font-size:24px}.legal-block p{margin:.3rem 0 1rem}.footer{background:#132d35;color:#d7e7eb;padding:42px 0 120px}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:30px}.footer h3,.footer strong{color:#fff}.footer a{color:#d7e7eb;text-decoration:underline;text-underline-offset:3px}.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}.footer .small{font-size:13px;color:#aac0c7;margin-top:20px}.mobile-call{position:fixed;left:14px;right:14px;bottom:14px;z-index:50;display:none}.mobile-call .call-btn{width:100%;padding:16px 18px;font-size:16px;border-radius:18px;box-shadow:0 18px 42px rgba(15,79,89,.34)}
@media(max-width:980px){.hero-grid,.content-wrap{grid-template-columns:1fr}.sidebar-card{position:static}.grid-3{grid-template-columns:1fr 1fr}.nav{display:none}.header-inner{padding:12px 0}.topbar .container{justify-content:center;text-align:center}.hero{padding:48px 0 34px}.trust-row{grid-template-columns:1fr}.cta-band{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}.mobile-call{display:block}.desktop-call{display:none}.footer{padding-bottom:110px}}
@media(max-width:640px){.container{width:min(100% - 28px,1160px)}.logo{font-size:18px}.logo-mark{width:38px;height:38px}.hero-actions{display:grid}.hero-actions a{width:100%}.grid-2,.grid-3{grid-template-columns:1fr}.hero-card,.article{padding:22px}.section{padding:46px 0}.phone-panel a{font-size:22px}.footer-grid{grid-template-columns:1fr}.topbar{font-size:13px}.topbar .container{gap:6px}.cta-band{padding:24px;border-radius:22px}body{padding-bottom:82px}}