:root{
  --navy:#2D2B4E; --navy-2:#3d3a66; --cyan:#62B5E9; --cyan-d:#1f78b4;
  --bg:#f7f8fa; --card:#ffffff; --ink:#1d1a33; --muted:#5d5a73; --line:#e1e2ea;
  --serif:Georgia,"Iowan Old Style","Palatino Linotype",Palatino,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--cyan-d)}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.1rem,5vw,3.4rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.2vw,2.2rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.eyebrow{font:600 .78rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--cyan-d);margin-bottom:14px;display:block}

header.site{position:sticky;top:0;z-index:10;background:rgba(247,248,250,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
header.site img{height:30px;width:auto;display:block}
nav a{color:var(--navy);text-decoration:none;font-size:.95rem;margin-left:26px;font-weight:500}
nav a:hover{color:var(--cyan-d)}
nav a.btn{margin-left:26px}

.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:13px 26px;border-radius:6px;font-weight:600;font-size:.97rem;border:0;cursor:pointer;font-family:var(--sans);transition:background .15s}
.btn:hover{background:var(--navy-2);color:#fff}
.btn.cyan{background:var(--cyan);color:#0e2236}
.btn.cyan:hover{background:#7cc3ee;color:#0e2236}
nav a.btn{padding:9px 18px;color:#fff}

.hero{padding:96px 0 88px;background:linear-gradient(180deg,#fff 0,var(--bg) 100%);border-bottom:1px solid var(--line)}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:680px;margin:0 0 32px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}

section{padding:84px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:680px;margin-bottom:44px}
.sec-head p{color:var(--muted);font-size:1.07rem}

.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:28px}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);margin:0;font-size:.98rem}
.card .num{font:600 .8rem var(--sans);color:var(--cyan-d);letter-spacing:.1em;display:block;margin-bottom:12px}

.steps{counter-reset:s;display:grid;gap:0;max-width:760px}
.step{display:grid;grid-template-columns:56px 1fr;gap:18px;padding:22px 0;border-top:1px solid var(--line)}
.step:last-child{border-bottom:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);font:600 1.5rem var(--serif);color:var(--cyan-d)}
.step h3{margin:0 0 .2em;font-size:1.1rem}
.step p{margin:0;color:var(--muted);font-size:.98rem}

.verdict{border-left:4px solid var(--cyan);padding:6px 0 6px 20px;margin-bottom:18px}
.verdict.mid{border-color:#e0a31a}.verdict.no{border-color:#b9475a}
.verdict strong{display:block;color:var(--navy);font-family:var(--serif);font-size:1.15rem}
.verdict span{color:var(--muted);font-size:.97rem}

.navy{background:var(--navy);color:#e9e8f2;border:0}
.navy h2,.navy h3{color:#fff}
.navy .sec-head p,.navy p{color:#cfcde0}
.navy .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.navy .card p{color:#cfcde0}
.navy .card h3{color:#fff}
.navy .eyebrow{color:var(--cyan)}

form{display:grid;gap:16px;max-width:620px}
label{font-size:.88rem;font-weight:600;color:var(--navy);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #c9cad8;border-radius:6px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--cyan);outline-offset:1px;border-color:var(--cyan)}
textarea{min-height:140px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.note{font-size:.85rem;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:56px;align-items:start}
.contact-box{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px}
.contact-box p{margin:0 0 .9em;font-size:.97rem}
.contact-box b{display:block;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600}

footer.site{background:#201c3a;color:#b9b7cf;padding:56px 0 36px;font-size:.88rem}
footer.site img{height:30px;margin-bottom:18px;display:block}
footer.site a{color:#dcdaf0}
footer.site .cols{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px;margin-bottom:36px}
footer.site h4{color:#fff;font:600 .78rem var(--sans);letter-spacing:.12em;text-transform:uppercase;margin:0 0 12px}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:8px}
.disclaimer{border-top:1px solid rgba(255,255,255,.14);padding-top:26px;line-height:1.6}
.disclaimer p{margin:0 0 .8em}
.disclaimer strong{color:#fff}

.legal{padding:64px 0 90px}
.legal .wrap{max-width:800px}
.legal h1{font-size:2.4rem}
.legal h2{font-size:1.35rem;margin-top:2em}
.legal p,.legal li{color:#33304a}
.legal ul{padding-left:1.2em}
.legal .meta{color:var(--muted);font-size:.95rem}

@media(max-width:860px){
  .g3,.g2,.contact-grid,footer.site .cols,.row2{grid-template-columns:1fr}
  nav a:not(.btn){display:none}
  nav a.btn{margin-left:0}
  section{padding:60px 0}
  .hero{padding:64px 0}
  .contact-grid{gap:32px}
}