:root{
  --navy:#0B1F3A;--navy-2:#13294B;--ink:#1F2937;--muted:#5B6576;--line:#E5E8EE;
  --bg:#F6F8FB;--white:#fff;--accent:#FF5A3C;--accent-d:#E6452A;--blue:#2F6BFF;--ok:#12A36B;
  --radius:16px;--shadow:0 10px 30px rgba(11,31,58,.08);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}

/* Header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:70px;gap:18px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:800;font-size:20px;letter-spacing:-.02em;white-space:nowrap}
.brand:hover{text-decoration:none}
.brand svg{width:36px;height:36px}
.brand b{color:var(--accent)}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:var(--ink);font-size:15px;font-weight:500;padding:8px 10px;border-radius:9px;white-space:nowrap}
.nav a:hover,.nav a.on{background:var(--bg);color:var(--navy);text-decoration:none}
.nav a.on{font-weight:700}
.tools{display:flex;align-items:center;gap:10px}
.lang{display:flex;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.lang a{font-size:13px;font-weight:700;padding:6px 10px;color:var(--muted)}
.lang a.on{background:var(--navy);color:#fff}
.lang a:hover{text-decoration:none}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span:before,.burger span:after{display:block;width:20px;height:2px;background:var(--navy);position:relative;content:"";transition:.2s}
.burger span:before{position:absolute;top:-6px}.burger span:after{position:absolute;top:6px}
.drawer{display:none}
@media (max-width:1180px){
  .nav{display:none}
  .burger{display:flex}
  .drawer{position:fixed;inset:70px 0 0 0;background:#fff;z-index:49;padding:16px 22px 40px;overflow:auto;border-top:1px solid var(--line)}
  .drawer.open{display:block}
  .drawer a{display:block;padding:15px 4px;font-size:18px;font-weight:600;color:var(--navy);border-bottom:1px solid var(--line)}
  .drawer a.on{color:var(--accent)}
  .drawer .btn{margin-top:22px;text-align:center;border:0;color:#fff}
}

/* Buttons */
.btn{display:inline-block;white-space:nowrap;background:var(--accent);color:#fff;font-weight:700;padding:13px 22px;border-radius:12px;font-size:16px;border:0;cursor:pointer;transition:.15s}
.btn:hover{background:var(--accent-d);text-decoration:none}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.sm{padding:9px 15px;font-size:14px;border-radius:10px}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:78px 0 84px}
.hero.sub{padding:56px 0 58px}
.hero h1{font-size:clamp(26px,5.4vw,54px);line-height:1.12;letter-spacing:-.03em;font-weight:800;white-space:nowrap}
.hero p.lead{font-size:clamp(17px,2vw,20px);color:#C9D3E3;max-width:640px;margin-top:16px}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.hero .btn.ghost:hover{background:#fff;color:var(--navy)}
.crumbs{font-size:14px;color:#9FB0C9;margin-bottom:12px}
.crumbs a{color:#C9D3E3}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.chips span{font-size:14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:6px 12px;border-radius:999px;color:#E3E9F3}

/* Sections */
section{padding:72px 0}
section.alt{background:var(--bg)}
h2{font-size:clamp(25px,3.2vw,36px);line-height:1.2;letter-spacing:-.02em;color:var(--navy);font-weight:800}
h3{font-size:20px;color:var(--navy);line-height:1.3;font-weight:700}
.intro{color:var(--muted);max-width:720px;margin-top:10px;font-size:18px}
.grid{display:grid;gap:20px;margin-top:34px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:54px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.15s}
a.card{display:block;color:inherit}
a.card:hover{box-shadow:var(--shadow);border-color:#D3D9E4;text-decoration:none;transform:translateY(-2px)}
.card p{color:var(--muted);margin-top:8px;font-size:16px}
.card .ico{width:46px;height:46px;border-radius:12px;background:#FFF0EC;color:var(--accent);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:24px;height:24px}
.card .more{display:inline-block;margin-top:14px;font-weight:700;color:var(--blue);font-size:15px}

/* Prose */
.prose{max-width:780px}
.prose h2{margin:44px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{margin:28px 0 8px}
.prose p{margin:12px 0}
.prose ul,.prose ol{margin:12px 0 12px 22px}
.prose li{margin:6px 0}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
@media (max-width:960px){.layout{grid-template-columns:1fr}}
.side{position:sticky;top:94px;display:grid;gap:16px}
.box{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.box h3{font-size:17px;margin-bottom:8px}
.box p{font-size:15px;color:var(--muted)}
.box ul{list-style:none;margin-top:8px}
.box li{padding:7px 0;border-top:1px solid var(--line);font-size:15px}
.box li:first-child{border-top:0}
.note{background:#FFF7E8;border:1px solid #F5DDB0;border-radius:12px;padding:16px 18px;margin:20px 0;font-size:16px}
.check{list-style:none!important;margin-left:0!important}
.check li{position:relative;padding-left:30px}
.check li:before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/11px no-repeat}

/* Steps */
.steps{counter-reset:s;display:grid;gap:16px;margin-top:30px}
.step{display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.step:before{counter-increment:s;content:counter(s);width:48px;height:48px;border-radius:12px;background:var(--navy);color:#fff;font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center}
.step p{color:var(--muted);font-size:16px;margin-top:4px}

/* Table */
.tbl{width:100%;border-collapse:collapse;margin:20px 0;font-size:15.5px;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tbl th,.tbl td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{background:var(--bg);color:var(--navy);font-weight:700}
.tbl tr:last-child td{border-bottom:0}
.scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* Providers */
.prov{display:flex;flex-direction:column}
.prov .tag{display:inline-block;font-size:12.5px;font-weight:700;color:var(--navy);background:var(--bg);border:1px solid var(--line);padding:3px 9px;border-radius:999px;margin:10px 6px 0 0}
.prov .tag.g{background:#E8F7F0;border-color:#BFE8D5;color:#0B7A50}
.prov .act{margin-top:auto;padding-top:18px}

/* Chooser */
.chooser{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow);margin-top:30px;max-width:820px}
.q{margin-bottom:22px}
.q h3{font-size:17px;margin-bottom:10px}
.opts{display:flex;gap:10px;flex-wrap:wrap}
.opts button{font:inherit;font-size:15px;font-weight:600;padding:10px 16px;border-radius:10px;border:1.5px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.opts button.on{border-color:var(--navy);background:var(--navy);color:#fff}
.result{display:none;margin-top:8px;background:var(--bg);border-radius:14px;padding:20px}
.result.show{display:block}
.result p{margin:6px 0 14px;color:var(--muted)}

/* FAQ */
details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:28px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:12px;font-size:22px;color:var(--accent)}
details[open] summary:after{content:"–"}
details p{padding:0 0 16px;color:var(--muted)}

/* Forms */
form{display:grid;gap:14px;max-width:620px}
label{font-weight:600;font-size:15px;color:var(--navy);display:grid;gap:6px}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;width:100%;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:640px){.row2{grid-template-columns:1fr}}
.hp{display:none}
.small{font-size:14px;color:var(--muted)}

/* CTA band */
.band{background:var(--navy);color:#fff;border-radius:22px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.band h2{color:#fff}
.band p{color:#C9D3E3;margin-top:6px}

/* Footer */
footer{background:#081629;color:#B8C4D6;padding:56px 0 26px;font-size:15px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media (max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .cols{grid-template-columns:1fr}}
footer h4{color:#fff;font-size:15px;margin-bottom:12px}
footer a{color:#B8C4D6;display:block;padding:4px 0}
footer a:hover{color:#fff}
footer .brand{color:#fff;margin-bottom:12px}
footer .legal{border-top:1px solid #1C2C45;margin-top:40px;padding-top:20px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13.5px;color:#8696AE}
footer .legal a{display:inline;color:#8696AE}
@media (max-width:640px){.desk-only{display:none}.brand{font-size:18px}.hero.sub h1{font-size:clamp(21px,6.2vw,30px)}}
.prose .step h3{margin:0 0 2px}.step h3{margin-top:10px}
@media (max-width:640px){.hero .cta{flex-wrap:nowrap}.hero .cta .btn{flex:1;text-align:center;padding:13px 10px;font-size:15px}}
.prose .step p{margin:4px 0 0}