:root{--bg:#0b1230;--panel:#131c45;--panel2:#1a2558;--line:#2c3866;--text:#e8eaee;--muted:#aab2d6;--silver:#c3c8cf;--gold:#f5ae00;--gold2:#ffc845;--ink:#0b1230;--paper:#ffffff;--soft:#f2f3f5;--body:#1f2747;--mut2:#5b616d;--r:10px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;background:var(--paper);color:var(--body);line-height:1.6;font-size:17px;-webkit-text-size-adjust:100%}
img,svg{max-width:100%;height:auto}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--ink);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}

/* header */
.site-header{background:var(--bg);position:sticky;top:0;z-index:50;border-bottom:3px solid var(--gold)}
.hdr{display:flex;align-items:center;gap:18px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-weight:800;letter-spacing:.04em;text-transform:uppercase;font-size:1rem;white-space:nowrap}
.brand img{width:auto;height:40px}
.brand span span{color:var(--gold)}
.nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav>a,.nav summary{color:var(--text);text-decoration:none;padding:10px 12px;font-weight:600;font-size:.95rem;cursor:pointer;list-style:none;border-radius:6px}
.nav summary::-webkit-details-marker{display:none}
.nav>a:hover,.nav summary:hover{color:var(--gold)}
.nav details{position:relative}
.nav details summary::after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;transform:translateY(3px)}
.menu{position:absolute;top:100%;left:0;background:var(--panel);border:1px solid var(--line);border-top:3px solid var(--gold);min-width:300px;padding:8px;border-radius:0 0 var(--r) var(--r);box-shadow:0 14px 30px rgba(0,0,0,.4)}
.menu a{display:block;padding:9px 12px;text-decoration:none;color:var(--text);border-radius:6px;font-size:.95rem}
.menu a:hover{background:var(--panel2);color:var(--gold)}
.call{background:var(--gold);color:var(--ink);font-weight:800;text-decoration:none;padding:11px 18px;border-radius:8px;white-space:nowrap;display:inline-flex;align-items:center;gap:8px}
.call:hover{background:var(--gold2)}
.menu-btn{display:none;margin-left:auto;background:transparent;border:2px solid var(--line);color:#fff;border-radius:8px;padding:9px 12px;font:inherit;font-weight:700;cursor:pointer}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--gold);color:var(--ink);font-weight:800;text-decoration:none;padding:15px 26px;border-radius:9px;border:2px solid var(--gold);font:inherit;font-weight:800;cursor:pointer;min-height:48px}
.btn:hover{background:var(--gold2);border-color:var(--gold2)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn.ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn.dark{background:var(--bg);color:#fff;border-color:var(--bg)}
.btn.dark:hover{background:#1f2747}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* hero */
.hero{background:radial-gradient(900px 500px at 85% 0%,#1c2760 0%,var(--bg) 62%);color:#fff;padding:56px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;color:var(--gold);font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.8rem;margin-bottom:12px}
.hero h1{font-size:clamp(2rem,4.6vw,3.2rem);line-height:1.1;letter-spacing:-.01em;margin-bottom:18px}
.hero .lead{color:#cdd3ef;font-size:1.12rem;max-width:620px;margin-bottom:26px}
.hero-phone{display:block;margin-top:18px;color:var(--silver);font-size:.95rem}
.hero-phone a{color:#fff;font-weight:800;font-size:1.5rem;text-decoration:none;display:block;letter-spacing:.01em}
.hero-art{width:100%;max-width:400px;margin:0 auto;display:block}
.page-hero{background:radial-gradient(800px 400px at 90% 0%,#1c2760 0%,var(--bg) 65%);color:#fff;padding:40px 0 48px}
.page-hero h1{font-size:clamp(1.8rem,4vw,2.7rem);line-height:1.15;margin:8px 0 14px}
.page-hero .lead{color:#cdd3ef;max-width:720px;font-size:1.08rem;margin-bottom:22px}
.crumbs{font-size:.88rem;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--silver)}

/* trust strip */
.trust{background:var(--gold);color:var(--ink)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px 24px;padding:20px 20px}
.trust strong{display:block;font-size:1rem}
.trust span{font-size:.9rem}

/* sections */
section.s{padding:68px 0}
.s.soft{background:var(--soft)}
.s.dark{background:var(--bg);color:var(--text)}
.s h2{font-size:clamp(1.55rem,3vw,2.15rem);line-height:1.2;color:var(--ink);margin-bottom:10px}
.s.dark h2{color:#fff}
.s h2+.sub{color:var(--mut2);max-width:680px;margin-bottom:34px}
.s.dark .sub{color:var(--muted)}
.s h3{color:var(--ink);font-size:1.15rem;line-height:1.3;margin-bottom:6px}
.s.dark h3{color:#fff}
.center{text-align:center}.center .sub{margin-left:auto;margin-right:auto}

/* cards */
.grid{display:grid;gap:18px}
.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid #dfe2e7;border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:8px}
.s.soft .card{border-color:transparent;box-shadow:0 1px 3px rgba(20,22,26,.08)}
.card p{color:var(--mut2);font-size:.97rem}
.card .more{margin-top:auto;padding-top:8px;font-weight:700;color:var(--ink);text-decoration:none}
.card .more:hover{color:#8a6100;text-decoration:underline}
.ico-box{width:48px;height:48px;border-radius:10px;background:var(--bg);color:var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:6px}
.prob{border-left:4px solid var(--gold)}
.prob dl{display:grid;gap:6px;font-size:.95rem}
.prob dt{font-weight:700;color:var(--ink)}
.prob dd{color:var(--mut2)}
.prob a{font-weight:700;color:var(--ink)}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none}
.chips li{border:2px solid var(--ink);color:var(--ink);font-weight:700;padding:8px 16px;border-radius:99px;font-size:.95rem;background:#fff}
.chips li.on{background:var(--gold);border-color:var(--gold)}
.chips a{text-decoration:none}
.chips.light li{background:transparent;border-color:var(--line);color:var(--text)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.panel{background:var(--bg);color:#fff;border-radius:14px;padding:28px;border-left:6px solid var(--gold)}
.panel h3{color:var(--gold)!important}
.panel p{color:#cdd3ef;margin:8px 0 16px}

/* content pages */
.prose h2{margin-top:44px;font-size:1.6rem;color:var(--ink)}
.prose h2:first-child{margin-top:0}
.prose p{margin:14px 0}
.prose ul{margin:14px 0 14px 22px}
.prose li{margin:6px 0}
.prose a{color:#7a5400;font-weight:600}
.layout{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.aside{position:sticky;top:96px;display:grid;gap:18px}
.box{background:var(--bg);color:#fff;border-radius:14px;padding:24px;border-top:4px solid var(--gold)}
.box h3{color:#fff!important}
.box p{color:#cdd3ef;margin:6px 0 14px;font-size:.96rem}
.box .big{display:block;font-size:1.6rem;font-weight:800;color:var(--gold);text-decoration:none;margin-bottom:6px}
.box.light{background:var(--soft);color:var(--body);border-top-color:var(--gold)}
.box.light h3{color:var(--ink)!important}.box.light p{color:var(--mut2)}
.linklist{list-style:none}.linklist li{margin:7px 0}.linklist a{color:var(--ink);font-weight:600}
.faq details{background:#fff;border:1px solid #dfe2e7;border-radius:var(--r);padding:16px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink)}
.faq details p{margin-top:10px;color:var(--mut2)}

/* form */
.form{background:#fff;border-radius:14px;padding:26px;color:var(--body);border:1px solid #dfe2e7}
.form label{display:block;font-weight:700;color:var(--ink);font-size:.92rem;margin:14px 0 5px}
.form input,.form select,.form textarea{width:100%;padding:12px;border:2px solid #cdd3ef;border-radius:8px;font:inherit;color:var(--ink);background:#fff;min-height:46px}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(245,174,0,.3)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.form .btn{width:100%;margin-top:20px}
.form small{display:block;color:var(--mut2);margin-top:10px;font-size:.85rem}
.err{color:#b3261e;font-size:.85rem;margin-top:4px;min-height:0}
.form [aria-invalid=true]{border-color:#b3261e}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.status{margin-top:14px;padding:12px 14px;border-radius:8px;font-weight:600;display:none}
.status.ok{display:block;background:#e6f4ea;color:#14532d}.status.bad{display:block;background:#fdecea;color:#7a1d17}
.final{background:var(--bg);color:#fff}
.final .split{align-items:center}
.final h2{color:#fff}.final .sub{color:var(--muted)}
.final .phone-big{font-size:clamp(2rem,6vw,2.9rem);font-weight:900;color:var(--gold);text-decoration:none;display:block;margin:6px 0 16px}

/* footer */
.footer{background:#070b1e;color:var(--muted);padding:52px 0 26px;font-size:.95rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
.footer h2{color:#fff;font-size:1rem;margin-bottom:12px}
.footer ul{list-style:none}.footer li{margin:7px 0}
.footer a{color:var(--silver);text-decoration:none}.footer a:hover{color:var(--gold);text-decoration:underline}
.footer .legal{border-top:1px solid #1a2354;margin-top:34px;padding-top:18px;font-size:.85rem}
.mbar{display:none}

@media(max-width:980px){
 .nav{display:none}.menu-btn{display:block}
 .nav.open{display:flex;position:absolute;top:100%;left:0;right:0;background:var(--bg);flex-direction:column;align-items:stretch;padding:12px 20px 18px;border-bottom:3px solid var(--gold);max-height:calc(100vh - 70px);overflow:auto}
 .nav.open details{width:100%}.nav.open .menu{position:static;box-shadow:none;min-width:0;margin:0 0 6px}
 .hdr>.call{display:none}
 .hero-grid,.split,.layout{grid-template-columns:1fr}
 .hero-art{max-width:300px}.aside{position:static}
 .g3,.g4{grid-template-columns:repeat(2,1fr)}.trust-grid{grid-template-columns:repeat(2,1fr)}
 .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
 body{font-size:16px;padding-bottom:62px}
 .g2,.g3,.g4,.fgrid,.form .row{grid-template-columns:1fr}
 .trust-grid{grid-template-columns:1fr}
 section.s{padding:48px 0}
 .hero{padding:36px 0 44px}.hero-art{display:none}
 .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60}
 .mbar a{flex:1;text-align:center;padding:16px 8px;font-weight:800;text-decoration:none;min-height:56px}
 .mbar .c{background:var(--gold);color:var(--ink)}.mbar .q{background:var(--bg);color:#fff;border-top:3px solid var(--gold)}
 .brand{font-size:.88rem}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}

/* first-design look */
.hero{background:radial-gradient(ellipse at 50% 0%,#1a2558 0%,#0b1230 65%,#070b1e 100%);text-align:center;padding:44px 0 64px}
.hero-logo{width:min(460px,86%);height:auto;display:block;margin:0 auto}
.hero .tag{display:inline-block;background:var(--gold);color:var(--ink);font-weight:800;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:5px 14px;border-radius:99px;margin:12px 0 14px}
.hero h1{text-transform:uppercase;max-width:860px;margin:0 auto 14px}
.hero h1 span{color:var(--gold)}
.hero .lead{margin:0 auto 28px}
.s>.wrap>h2,.s>.wrap>.narrow>h2{text-align:center}
.s>.wrap>h2::after,.s>.wrap>.narrow>h2::after{content:"";display:block;width:56px;height:4px;background:var(--gold);margin:10px auto 0;border-radius:2px}
.s>.wrap>h2+.sub,.s>.wrap>.narrow>h2+.sub{text-align:center;margin-left:auto;margin-right:auto}
.s>.wrap>.chips{justify-content:center}
.card{border-top:4px solid var(--gold)}
.s.soft .card{box-shadow:0 2px 10px rgba(11,18,48,.08)}
.ico-box{margin-left:0}

.hero-note{margin-top:18px;color:#cdd3ef;font-weight:600;font-size:.95rem}
.fees{background:var(--bg);color:#fff;border-radius:14px;padding:26px;border-left:6px solid var(--gold)}
.fees h3{color:var(--gold)!important;margin-bottom:12px}
.fees ul{list-style:none;margin-bottom:14px}
.fees li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid #2c3866;font-size:1.1rem}
.fees li strong{color:var(--gold);font-size:1.4rem}
.fees p{color:#cdd3ef;font-size:.97rem}.fees p strong{color:#fff}
.fees.light{background:var(--soft);color:var(--body);border-left-color:var(--gold)}
.fees.light h3{color:var(--ink)!important}.fees.light li{border-color:#dfe2e7}.fees.light li strong{color:var(--ink)}.fees.light p{color:var(--mut2)}.fees.light p strong{color:var(--ink)}
.menu{max-height:72vh;overflow:auto}