:root{
  --navy:#0b2545;--navy-2:#13315c;--blue:#1d4e89;--accent:#d62839;--accent-d:#b21f2e;
  --bg:#ffffff;--bg-soft:#f4f6fa;--bg-tint:#eaf0f8;--line:#dfe5ee;--text:#18212f;--muted:#566377;
  --ok:#0f7b52;--ok-bg:#e3f5ec;--warn:#9a5b00;--warn-bg:#fff2dc;
  --r:14px;--r-sm:9px;--shadow:0 1px 2px rgba(11,37,69,.06),0 8px 24px rgba(11,37,69,.07);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--text);background:var(--bg);text-rendering:optimizeLegibility}
img,svg{max-width:100%}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--accent)}
h1,h2,h3{line-height:1.2;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,1.2rem + 2.6vw,3rem);margin:.2em 0 .45em}
h2{font-size:clamp(1.4rem,1.1rem + 1vw,1.85rem);margin:0 0 .7em}
h3{font-size:1.08rem;margin:0 0 .35em}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.i{width:1.1em;height:1.1em;flex:none;vertical-align:-.18em}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6em 1em;z-index:100}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid #ffb703;outline-offset:2px;border-radius:4px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.72em 1.25em;border-radius:999px;font-weight:650;font-size:.98rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .15s;line-height:1.2;font-family:inherit}
.btn:hover{transform:translateY(-1px)}
.btn-accent{background:var(--accent);color:#fff}
.btn-accent:hover{background:var(--accent-d);color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:rgba(255,255,255,.6)}
.btn-light:hover{color:var(--accent)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-sm{padding:.5em 1em;font-size:.92rem}
.btn-lg{padding:.9em 1.5em;font-size:1.03rem}
.btn-block{width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;gap:20px;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);margin-right:auto}
.logo-mark{width:38px;height:38px}
.logo-text{font-size:1.12rem;line-height:1.1;white-space:nowrap}
.logo-text strong{font-weight:800}
.logo-text small{display:block;font-size:.7rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:2px}
.nav{display:flex;align-items:center;gap:18px}
.nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav ul a{display:block;padding:.45em .7em;border-radius:8px;text-decoration:none;color:var(--text);font-weight:560;font-size:.97rem}
.nav ul a:hover,.nav ul a[aria-current]{background:var(--bg-tint);color:var(--navy)}
.lang-switch{font-weight:700;font-size:.85rem;text-decoration:none;border:1.5px solid var(--line);border-radius:8px;padding:.35em .6em;color:var(--navy)}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;flex-direction:column;gap:5px;align-items:center}
.nav-toggle span{display:block;width:24px;height:2.5px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.nav-toggle em{font-style:normal;font-size:.68rem;color:var(--muted);margin-top:1px}

/* hero */
.hero{background:radial-gradient(1200px 400px at 85% -10%,rgba(214,40,57,.20),transparent 60%),linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1d4e89 100%);color:#e8eef7}
.hero h1{color:#fff}
.hero .lead{font-size:1.13rem;max-width:780px;color:#d5deeb}
.hero-sub{padding:26px 0 44px}
.hero-home{padding:56px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;gap:.5em;align-items:center;font-size:.86rem;font-weight:600;color:#ffd6da;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:.35em .85em;border-radius:999px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero-points{list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:8px 20px;color:#fff;font-weight:560}
.hero-points li{display:flex;gap:.5em;align-items:center}
.hero-points .i{color:#7ee2b8}
.hero-card{background:#fff;color:var(--text);border-radius:var(--r);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-msg{padding:80px 0 100px;min-height:50vh}
.hero-msg a{color:#fff}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.3em;padding:0;margin:0 0 6px;font-size:.87rem;color:#b9c6d8}
.crumbs li+li::before{content:"›";margin:0 .45em 0 .2em;opacity:.7}
.crumbs a{color:#dbe5f2;text-decoration:none}
.crumbs a:hover{text-decoration:underline;color:#fff}

/* layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding-top:44px;padding-bottom:30px}
.layout-full{padding-top:44px;padding-bottom:30px}
.block{margin:0 0 48px}
.prose p{max-width:760px}
.aside{position:relative}
.aside-card{position:sticky;top:92px;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.aside-h{font-weight:750;color:var(--navy);margin:0 0 .4em;font-size:1.05rem}
.aside-card .btn{margin:6px 0 16px}
.f-contact{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.f-contact li{display:flex;gap:.55em;align-items:center;word-break:break-all}
.f-contact.big{font-size:1.05rem;font-weight:600;margin:14px 0 18px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:16px}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--text);transition:box-shadow .2s,border-color .2s,transform .2s}
.card:hover{box-shadow:var(--shadow);border-color:#c5d2e4;transform:translateY(-2px);color:var(--text)}
.card-icon{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--bg-tint);color:var(--blue);margin-bottom:12px}
.card-icon .i{width:24px;height:24px}
.card p{color:var(--muted);font-size:.95rem;flex:1}
.card-more{font-weight:650;color:var(--accent);font-size:.92rem;display:inline-flex;gap:.3em;align-items:center}

/* chips & lists */
.chips{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
.chips a,.chips span{display:inline-block;padding:.42em .85em;border-radius:999px;background:var(--bg-soft);border:1px solid var(--line);text-decoration:none;color:var(--navy);font-size:.94rem}
.chips a:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.more{margin-top:14px}
.more a{font-weight:650;display:inline-flex;gap:.35em;align-items:center;text-decoration:none}
.checklist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:10px 24px}
.checklist li{display:flex;gap:.6em;align-items:flex-start}
.checklist .i{color:var(--ok);margin-top:.28em}
.groups{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:24px}
.group h3{font-size:1rem;padding-bottom:.4em;border-bottom:2px solid var(--bg-tint)}
.plain{list-style:none;padding:0;margin:0}
.plain li{padding:.18em 0}
.plain a{text-decoration:none}
.plain a:hover{text-decoration:underline}
.ctry{list-style:none;padding:0;margin:0 0 28px;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:8px}
.ctry a{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:.6em .9em;border:1px solid var(--line);border-radius:var(--r-sm);text-decoration:none;color:var(--navy);background:#fff}
.ctry a:hover{border-color:var(--navy);box-shadow:var(--shadow)}
.tag{font-style:normal;font-size:.74rem;font-weight:700;padding:.2em .6em;border-radius:999px;white-space:nowrap}
.tag-ok{background:var(--ok-bg);color:var(--ok)}
.tag-leg{background:var(--warn-bg);color:var(--warn)}
.h-group{font-size:1.25rem;margin-top:8px}

/* steps / why */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px}
.steps li{counter-increment:s;background:var(--bg-soft);border-radius:var(--r);padding:20px 20px 18px;position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:750;margin-bottom:10px}
.steps strong{display:block;color:var(--navy);margin-bottom:.25em}
.steps span{color:var(--muted);font-size:.95rem}
.steps-compact{grid-template-columns:1fr;margin-top:18px}
.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}
.why>div{border-left:3px solid var(--accent);padding:2px 0 2px 16px}
.why .i{color:var(--accent);width:22px;height:22px;margin-bottom:6px}
.why p{color:var(--muted);font-size:.96rem;margin:0}

/* facts, note */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:0 0 40px}
.facts div{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r-sm);padding:12px 14px}
.facts dt{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:650}
.facts dd{margin:.15em 0 0;font-weight:650;color:var(--navy)}
.facts-wide{grid-template-columns:1fr}
.facts-wide div{display:grid;grid-template-columns:200px 1fr;align-items:center}
.note{background:var(--warn-bg);border-left:4px solid #e5a100;padding:12px 16px;border-radius:0 var(--r-sm) var(--r-sm) 0;font-size:.95rem;margin:0 0 36px}

/* faq */
.faq details{border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;padding:14px 46px 14px 18px;font-weight:650;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--accent);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 18px 6px;color:var(--text)}

/* quote section / form */
.quote{background:linear-gradient(180deg,var(--bg-soft),#fff);border-top:1px solid var(--line);padding:64px 0}
.quote-in{display:grid;grid-template-columns:1fr 1.5fr;gap:48px;align-items:start}
.quote-copy p{color:var(--muted)}
.or-mail a{font-weight:700;font-size:1.08rem;display:inline-flex;gap:.45em;align-items:center;text-decoration:none;margin-top:4px}
.quote-form,.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.form-card .quote-form{border:0;box-shadow:none;padding:0}
.quote-form label{display:block;font-weight:600;font-size:.92rem;color:var(--navy);margin-bottom:14px}
.quote-form input[type=text],.quote-form input[type=email],.quote-form input[type=tel],.quote-form select,.quote-form textarea{display:block;width:100%;margin-top:5px;padding:.7em .8em;border:1.5px solid var(--line);border-radius:var(--r-sm);font:inherit;font-weight:400;font-size:1rem;color:var(--text);background:#fff}
.quote-form select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%,transparent 50%);background-position:calc(100% - 18px) 55%,calc(100% - 13px) 55%;background-size:5px 5px;background-repeat:no-repeat;padding-right:2.2em}
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(29,78,137,.15)}
.quote-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.quote-form .file input{display:block;margin-top:6px;font-weight:400;max-width:100%}
.quote-form small{display:block;font-weight:400;color:var(--muted);margin-top:4px}
.quote-form .consent{display:flex;gap:.6em;align-items:flex-start;font-weight:400;color:var(--text)}
.quote-form .consent input{margin-top:.35em;width:18px;height:18px;flex:none}
.quote-form .hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin:12px 0 0;font-weight:600}
.form-status.ok{color:var(--ok)}
.form-status.err{color:var(--accent)}
.contact-grid{display:grid;grid-template-columns:1fr 1.6fr;gap:40px;padding-top:44px;padding-bottom:64px}
.contact-grid .aside-card{position:static}
.big-link{font-size:1.1rem;font-weight:700;display:inline-flex;gap:.45em;align-items:center;text-decoration:none;word-break:break-all}

/* footer */
.site-footer{background:var(--navy);color:#c3cedd;padding:56px 0 0;font-size:.95rem}
.site-footer a{color:#e6edf6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{padding:.15em 0}
.f-logo{font-size:1.2rem;color:#fff}
.f-h{color:#fff;font-weight:700;margin-bottom:.6em}
.footer-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:18px;padding-bottom:22px;font-size:.87rem}
.footer-bottom p{margin:0}
.mobile-cta{display:none}

/* responsive */
@media (max-width:1020px){
  .layout{grid-template-columns:1fr}
  .aside{display:none}
  .hero-grid,.quote-in,.contact-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .js .nav-toggle{display:flex}
  .js .nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:12px;display:none;box-shadow:0 12px 24px rgba(11,37,69,.1)}
  .js .nav.open{display:flex}
  .nav ul{flex-direction:column}
  .nav ul a{padding:.7em .6em;font-size:1.05rem}
  .no-js .header-in{flex-wrap:wrap;padding:8px 20px}
  .no-js .nav{flex-wrap:wrap}
  .no-js .nav ul{flex-direction:row;flex-wrap:wrap}
  .lang-switch{align-self:flex-start}
  .nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
  .nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
}
@media (max-width:640px){
  body{font-size:16px;padding-bottom:70px}
  .wrap{padding:0 16px}
  .hero-home{padding:36px 0 44px}
  .hero-points{grid-template-columns:1fr}
  .quote-form .row2{grid-template-columns:1fr}
  .quote-form,.form-card{padding:18px}
  .footer-grid{grid-template-columns:1fr}
  .facts-wide div{grid-template-columns:1fr}
  .mobile-cta{display:grid;grid-template-columns:1fr 1.4fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:9px 12px calc(9px + env(safe-area-inset-bottom))}
  .mobile-cta .btn{padding:.7em .8em}
  .logo-text small{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.mobile-cta,.quote,.aside,.site-footer{display:none}.hero{background:none;color:#000}.hero h1{color:#000}}
.sprite{position:absolute;width:0;height:0;overflow:hidden}