*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#0B3D66;--blue:#14B8E8;--yellow:#FFD93B;--red:#E23A3A;--bg:#F4FAFD;--card:#fff;--muted:#5A7A93}
body{font-family:'Segoe UI',Arial,Helvetica,sans-serif;color:#123;background:var(--bg);line-height:1.6}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;max-width:1080px;margin:0 auto}
.brand{font-weight:800;font-size:22px;color:#fff;text-decoration:none}
.brand span{color:var(--yellow)}
.nav input{display:none}
.nav .links{display:flex;gap:4px;list-style:none}
.nav .links a{color:#fff;text-decoration:none;padding:8px 12px;border-radius:8px;font-size:15px}
.nav .links a:hover,.nav .links a.active{background:rgba(255,255,255,.15)}
.burger{display:none;font-size:26px;cursor:pointer;padding:4px 10px}
.strip{background:#FFF6D6;color:#5b4a00;font-size:13px;text-align:center;padding:8px 16px}
.strip a{color:#5b4a00}
.hero{background:linear-gradient(135deg,var(--navy),#1473A8);color:#fff;text-align:center;padding:64px 20px}
.hero h1{font-size:42px;margin-bottom:12px}
.hero p{font-size:19px;max-width:640px;margin:0 auto 24px;opacity:.92}
.btn{display:inline-block;background:var(--yellow);color:var(--navy);font-weight:800;text-decoration:none;padding:13px 26px;border-radius:12px;margin:6px}
.btn:hover{filter:brightness(.95)}
.btn.blue{background:var(--blue);color:#fff}
.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}
section.block{padding:44px 0}
h2.st{text-align:center;color:var(--navy);font-size:30px;margin-bottom:8px}
p.sub{text-align:center;color:var(--muted);max-width:680px;margin:0 auto 28px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.card{background:var(--card);border-radius:16px;padding:24px;box-shadow:0 4px 18px rgba(11,61,102,.10);display:flex;flex-direction:column}
.card h3{color:var(--navy);font-size:20px;margin-bottom:8px}
.card .best{display:inline-block;background:#E8F7FD;color:var(--navy);font-size:13px;font-weight:700;border-radius:20px;padding:3px 12px;margin-bottom:10px}
.card ul{margin:0 0 14px 18px;font-size:15px}
.card .btn{margin-top:auto;text-align:center;font-size:16px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;counter-reset:st}
.step{background:var(--card);border-radius:16px;padding:24px;box-shadow:0 4px 18px rgba(11,61,102,.10)}
.step b{color:var(--blue);font-size:15px}
.faq details{background:var(--card);border-radius:12px;padding:14px 18px;margin-bottom:10px;box-shadow:0 2px 8px rgba(11,61,102,.08)}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
table.cmp{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 4px 18px rgba(11,61,102,.10)}
table.cmp th{background:var(--navy);color:#fff;padding:12px;text-align:left}
table.cmp td{padding:12px;border-top:1px solid #E3EFF5}
.prose{background:#fff;border-radius:16px;padding:28px;box-shadow:0 4px 18px rgba(11,61,102,.10)}
.prose h2{color:var(--navy);margin:22px 0 8px}
.prose h3{color:var(--navy);margin:18px 0 6px}
.prose ul,.prose ol{margin:0 0 12px 22px}
.prose li{margin-bottom:6px}
form.contact label{display:block;font-weight:700;color:var(--navy);margin:14px 0 4px}
form.contact input,form.contact select,form.contact textarea{width:100%;padding:12px;border:2px solid #CBE3F0;border-radius:10px;font-size:16px;font-family:inherit}
form.contact button{background:var(--blue);color:#fff;border:0;font-weight:800;font-size:17px;padding:13px 30px;border-radius:12px;cursor:pointer;margin-top:16px}
footer.site{background:var(--navy);color:#cfe3f0;margin-top:40px;padding:34px 0 22px;font-size:14px}
footer.site nav{display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:14px}
footer.site a{color:#fff}
footer.site .fine{opacity:.75;font-size:13px}
@media(max-width:760px){.hero h1{font-size:30px}.burger{display:block}.nav .links{display:none;position:absolute;top:58px;left:0;right:0;background:var(--navy);flex-direction:column;padding:10px 20px 16px}.nav input:checked~.links{display:flex}}