:root{--ink:#121A26;--blue:#1D4E89;--blue-d:#0F2F57;--yellow:#F7C600;--paper:#F3F6FA;--line:#D5DCE5;--muted:#4A5568;--r:8px}
*{box-sizing:border-box;margin:0}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{font:1.0625rem/1.65 system-ui,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{line-height:1.1;letter-spacing:-.025em;font-weight:800}
a{color:inherit}
:focus-visible{outline:3px solid var(--yellow);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.25rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:9}
header{position:sticky;top:0;background:#fff;z-index:5;box-shadow:0 1px 12px rgba(15,47,87,.08)}
.bar{display:flex;align-items:center;justify-content:space-between;height:72px;gap:1rem}
.logo img{height:42px;width:auto;display:block}
nav{display:flex;gap:1.75rem;align-items:center}
nav a:not(.btn){text-decoration:none;font-weight:600;font-size:.95rem}
nav a:not(.btn):hover{color:var(--blue)}
.cable{height:5px;background:linear-gradient(90deg,#7A4B2A 33.3%,var(--blue) 0 66.6%,transparent 0),repeating-linear-gradient(90deg,var(--yellow) 0 12px,#1E8E3E 0 24px)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.85rem 1.5rem;border-radius:var(--r);text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit;font-weight:700;transition:transform .2s,background .2s}
.btn:hover{transform:translateY(-2px)}
.btn-main{background:var(--yellow);color:var(--ink)}.btn-main:hover{background:#FFD83A}
.btn-light{border-color:rgba(255,255,255,.55);color:#fff}.btn-light:hover{background:#fff;color:var(--blue-d)}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:var(--blue-d)}
.hero{padding:4.5rem 0 5rem;color:#fff;background-color:var(--blue-d);background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:44px 44px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:3.5rem;align-items:center}
.badge{display:inline-block;font-size:.9rem;font-weight:600;color:var(--yellow);border:1px solid rgba(247,198,0,.5);border-radius:99px;padding:.3rem .9rem;margin-bottom:1.25rem}
h1{font-size:clamp(2.4rem,5.2vw,4rem);margin-bottom:1.25rem}
h1 em{font-style:normal;color:var(--yellow)}
.lead{font-size:1.2rem;color:#C9D8EA;max-width:33rem;margin-bottom:2rem}
.cta{display:flex;gap:.8rem;flex-wrap:wrap}
.panel{background:#fff;color:var(--ink);border-radius:var(--r);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.35);scroll-margin-top:90px}
.panel .cable{height:8px}
.panel form{padding:1.6rem;display:grid;gap:.9rem}
.panel h2{font-size:1.4rem}
.two{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
label{display:grid;gap:.3rem;font-weight:600;font-size:.92rem}
input,textarea,select{font:inherit;padding:.7rem .8rem;border:1px solid #8795A8;border-radius:var(--r);width:100%;background:#fff;color:var(--ink)}
input:focus,textarea:focus,select:focus{outline:3px solid rgba(29,78,137,.35);border-color:var(--blue)}
textarea{min-height:100px;resize:vertical}
.check{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.85rem;color:var(--muted)}
.check input{width:auto;margin-top:.25rem}
.hp{position:absolute;left:-9999px}
.note{font-size:.85rem;color:var(--muted)}
#status{min-height:1.3em;font-weight:600}
.trust{background:var(--yellow);padding:0}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.trust div{padding:1.4rem 0;display:grid;line-height:1.25}
.trust b{font-size:1.5rem;font-weight:800}
.trust span{font-size:.9rem;font-weight:500}
section{padding:5rem 0}.hero,.trust{padding-top:0;padding-bottom:0}.hero{padding:4.5rem 0 5rem}
.sec-title{font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:2.5rem;max-width:38rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--r);padding:2rem;transition:transform .25s,box-shadow .25s}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 40px rgba(15,47,87,.12)}
.ico{width:44px;height:44px;margin-bottom:1rem;color:var(--blue);fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:1.4rem;margin-bottom:.4rem}
.card p{color:var(--muted)}
.card ul{margin-top:1rem;padding-top:1rem;border-top:1px solid var(--line);list-style:none;padding-left:0;display:grid;gap:.45rem;font-size:.95rem}
.card li{padding-left:1.3rem;position:relative}
.card li::before{content:"";position:absolute;left:0;top:.6em;width:.7rem;height:3px;background:var(--yellow)}
.how{background:var(--paper)}
.steps3{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;counter-reset:h}
.steps3 li{counter-increment:h;color:var(--muted)}
.steps3 li::before{content:counter(h);display:grid;place-items:center;width:2.6rem;height:2.6rem;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:1rem}
.steps3 b{display:block;color:var(--ink);font-size:1.15rem;margin-bottom:.2rem}
.rgie{background:var(--blue-d);color:#fff}
.rgie p{color:#C9D8EA;max-width:40rem;margin-bottom:2rem}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;counter-reset:s;margin-bottom:2.5rem}
.steps li{counter-increment:s;border-top:4px solid var(--yellow);padding-top:.8rem;font-weight:600}
.steps li::before{content:counter(s) ".";display:block;color:var(--yellow);font-size:1.6rem;font-weight:800}
.about{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:start}
.about .sec-title{margin-bottom:1.25rem}
.about p{color:var(--muted)}
.values{list-style:none;padding:0;display:grid;gap:1rem}
.values li{padding:1.2rem 1.4rem;background:var(--paper);border-left:5px solid var(--blue);border-radius:0 var(--r) var(--r) 0;color:var(--muted)}
.values b{display:block;color:var(--ink);font-size:1.1rem}
.band{background:var(--yellow);padding:3rem 0}
.band .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap}
.band h2{font-size:clamp(1.4rem,3vw,2rem);max-width:34rem}
footer{background:var(--ink);color:#C9D2DE;padding-bottom:2rem}
footer .cable{margin-bottom:3rem}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:2rem}
footer h3{color:#fff;font-size:1rem;margin-bottom:.5rem}
.fgrid{padding-bottom:3rem}.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:1.5rem;font-size:.85rem}.legal .wrap{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.callbar{display:none}
.js .rv{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}
.js .rv.in{opacity:1;transform:none}
@media(max-width:900px){
.hero .wrap,.about,.cards,.steps3{grid-template-columns:1fr;gap:2rem}
.steps{grid-template-columns:1fr 1fr}
.trust .wrap{grid-template-columns:1fr 1fr}
nav a:not(.btn){display:none}
.two{grid-template-columns:1fr}
.callbar:not([hidden]){display:block;position:fixed;bottom:0;left:0;right:0;background:var(--yellow);text-align:center;padding:1rem;font-weight:800;text-decoration:none;z-index:6}
section{padding:3.5rem 0}.hero{padding:3rem 0}}
.card .note{margin-top:1rem;font-size:.88rem;font-style:italic}
.worry{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-bottom:3.5rem}
.worry div{background:var(--paper);border-top:4px solid var(--yellow);border-radius:var(--r);padding:1.2rem;font-size:.95rem;color:var(--muted)}
.worry b{display:block;color:var(--ink);margin-bottom:.4rem;line-height:1.3}
.faq{max-width:50rem}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:700;padding:1.1rem 2rem 1.1rem 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;color:var(--blue);font-size:1.5rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq p{padding:0 2rem 1.2rem 0;color:var(--muted)}
.faq a{color:var(--blue);font-weight:600}
.legal a{color:#fff}
.doc{max-width:46rem;padding:3.5rem 1.25rem}
.doc h1{font-size:2.2rem;margin-bottom:1.5rem}
.doc h2{font-size:1.3rem;margin:2rem 0 .5rem}
.doc p,.doc li{color:var(--muted);margin-bottom:.5rem}
.doc ul{padding-left:1.2rem}
@media(max-width:900px){.worry{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.worry{grid-template-columns:1fr}}