:root {
  --blue: #092c58;
  --blue-bright: #1554a6;
  --turquoise: #04b6c8;
  --ink: #10233d;
  --muted: #4b5d72;
  --light: #effafa;
  --line: #d8e8ed;
  --white: #fff;
  --shadow: 0 18px 50px rgba(9, 44, 88, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
}
a { color: var(--blue-bright); }
img { display: block; max-width: 100%; height: auto; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 0; padding: 12px 18px; background: var(--blue); color: #fff; z-index: 10; }
.skip-link:focus { left: 12px; top: 12px; }
.topbar { padding: 9px 20px; border-bottom: 1px solid var(--line); color: var(--muted); text-align: center; font-size: .84rem; }
.site-header { display: flex; align-items: center; justify-content: space-between; min-height: 104px; gap: 30px; }
.brand { display: block; width: min(300px, 53vw); }
.brand img { width: 100%; }
nav { display: flex; gap: 24px; }
nav a { color: var(--ink); text-decoration: none; font-weight: 700; }
nav a:hover, nav a:focus { color: var(--blue-bright); }

.hero { display: grid; grid-template-columns: 1.08fr .92fr; gap: 56px; align-items: center; padding-block: 72px 84px; }
.eyebrow { margin: 0 0 10px; color: #006778; font-size: .8rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
h1, h2, h3 { line-height: 1.15; }
h1 { margin: 0 0 22px; font-size: clamp(2.7rem, 6vw, 4.7rem); letter-spacing: -.055em; }
h1 em { color: var(--blue-bright); font-style: normal; }
h2 { margin: 0 0 14px; color: var(--blue); font-size: clamp(2rem, 4vw, 2.65rem); letter-spacing: -.035em; }
h3 { margin: 10px 0 8px; font-size: 1.17rem; }
.lead { max-width: 650px; color: var(--muted); font-size: 1.13rem; }
.buttons { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.button { display: inline-block; padding: 13px 21px; border: 1px solid var(--blue-bright); border-radius: 9px; font-weight: 800; text-decoration: none; }
.button.primary { color: #fff; background: var(--blue-bright); }
.button.primary:hover, .button.primary:focus { background: var(--blue); }
.button.secondary { color: var(--blue-bright); background: #fff; }
.trust-list { display: flex; flex-wrap: wrap; gap: 12px 24px; margin: 26px 0 0; padding: 0; color: var(--muted); list-style: none; font-size: .93rem; }
.trust-list li::before { content: "✓"; margin-right: 7px; color: #078d9e; font-weight: 900; }
.hero-card { min-height: 395px; padding: 38px; border: 1px solid var(--line); border-radius: 28px; background: linear-gradient(145deg, var(--light), #fff); box-shadow: var(--shadow); text-align: center; }
.hero-card img { width: min(245px, 75%); margin: 0 auto 20px; filter: drop-shadow(0 15px 18px rgba(9, 44, 88, .18)); }
.hero-card p { margin: 0; color: var(--muted); }
.hero-card strong { color: var(--blue); }

.section { padding-block: 72px; }
.band { border-block: 1px solid var(--line); background: var(--light); }
.section-head { max-width: 720px; margin-bottom: 32px; }
.section-head > p:last-child { color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { padding: 27px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.card p { margin: 0; color: var(--muted); }
.number { color: #078d9e; font-size: 1.45rem; font-weight: 900; }
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: start; }
.split p { color: var(--muted); }
.info-box { padding: 8px 0 8px 24px; border-left: 4px solid var(--turquoise); }
.info-box p { margin-top: 0; }
.info-box a { font-weight: 800; text-decoration: none; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin: 0; padding: 0; list-style: none; counter-reset: step; }
.steps li { padding-top: 19px; border-top: 2px solid var(--turquoise); }
.steps strong, .steps span { display: block; }
.steps strong { margin-bottom: 5px; color: var(--blue); font-size: 1.08rem; }
.steps span { color: var(--muted); }
.faq-list { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary { padding: 20px 36px 20px 0; cursor: pointer; color: var(--blue); font-weight: 800; }
details p { margin: -4px 0 22px; max-width: 850px; color: var(--muted); }
.contact-band { border-block: 1px solid var(--line); background: linear-gradient(135deg, var(--light), #fff); }
.contact-buttons { justify-content: flex-start; margin-top: 8px; }
.footer { display: flex; justify-content: space-between; gap: 30px; padding-block: 30px; color: var(--muted); font-size: .88rem; }
.footer strong { color: var(--blue); }
.footer a { color: var(--blue-bright); text-decoration: none; }

@media (max-width: 820px) {
  nav { display: none; }
  .hero, .split { grid-template-columns: 1fr; }
  .hero { gap: 34px; padding-block: 48px 64px; }
  .cards, .steps { grid-template-columns: 1fr 1fr; }
  .hero-card { min-height: 0; }
}

@media (max-width: 560px) {
  .wrap { width: min(100% - 28px, 1160px); }
  .site-header { min-height: 88px; }
  .brand { width: 240px; }
  .cards, .steps { grid-template-columns: 1fr; }
  .section { padding-block: 55px; }
  .footer { display: block; }
  .footer div + div { margin-top: 14px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}