@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&display=swap');

:root{
  --bg:#f4f7fb;
  --bg-dark:#0d1628;
  --panel:#ffffff;
  --panel-soft:#f4f8fc;
  --text:#1f3147;
  --muted:#5f7188;
  --line:#d7e1eb;
  --brand:#0a63c7;
  --brand-2:#0e8cf1;
  --brand-dark:#0b4f96;
  --shadow:0 18px 44px rgba(10,24,48,.10);
  --radius:22px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Manrope",Arial,sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#eef4fb 0%,#f8fbff 100%);
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(var(--max),calc(100% - 2rem));margin:0 auto}
.site-header{
  position:sticky;top:0;z-index:40;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.nav-wrap{
  min-height:78px;
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
}
.brand{
  display:flex;align-items:center;gap:.9rem;font-weight:800;color:#0d1b33;
}
.brand-mark{
  width:46px;height:46px;border-radius:14px;display:grid;place-items:center;
  color:#fff;background:linear-gradient(135deg,var(--brand),var(--brand-2));
  box-shadow:0 10px 26px rgba(14,140,241,.28);
}
.main-nav{display:flex;gap:.35rem;flex-wrap:wrap;justify-content:flex-end}
.main-nav a{
  padding:.8rem 1rem;border-radius:999px;color:#30415f;font-weight:700
}
.main-nav a:hover,.main-nav a.active{background:#eaf2ff;color:#0a63c7}
.menu-toggle{display:none}
.menu-button{display:none}

.hero{
  background:
    radial-gradient(circle at 10% 10%, rgba(14,140,241,.17), transparent 26%),
    radial-gradient(circle at 90% 0%, rgba(10,99,199,.16), transparent 24%),
    linear-gradient(135deg,var(--bg-dark) 0%, #12203a 100%);
  color:#fff;
  padding:4.6rem 0 3.2rem;
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:1.4rem;align-items:center}
.eyebrow{
  text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;color:#b8d7ff;margin:0 0 1rem
}
.hero h1,.section-head h2,.page-title,.legal-card h1{
  margin:0 0 1rem;
  line-height:1.03;
  letter-spacing:-.03em;
}
.hero h1{font-size:clamp(2rem,4vw,3.35rem)}
.hero p{color:#d9e7ff;line-height:1.75}
.hero-actions{display:flex;gap:.9rem;flex-wrap:wrap;margin:1.6rem 0}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:48px;padding:.82rem 1.18rem;border-radius:999px;font-weight:800;
  transition:transform .2s ease,box-shadow .2s ease,background .2s ease,border-color .2s ease;
  border:0;cursor:pointer
}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;box-shadow:0 14px 36px rgba(14,140,241,.28)}
.btn-secondary{background:#16375f;border:1px solid rgba(255,255,255,.16);color:#fff}
.btn-light{background:#fff;color:#0a63c7}
.btn-outline{background:#fff;border:1px solid var(--line);color:var(--brand-dark)}
.hero-badges{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem;margin-top:1.5rem}
.badge-card{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);
  border-radius:18px;padding:1rem
}
.badge-card strong{display:block;margin-top:.25rem}
.highlight-panel{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  border-radius:24px;padding:1.35rem;box-shadow:0 18px 44px rgba(0,0,0,.16)
}
.highlight-panel ul{padding-left:1.1rem;color:#d9e7ff;line-height:1.65}
.section{padding:3rem 0}
.section-head{max-width:860px;margin:0 auto 1.5rem;text-align:center}
.section-head p{color:var(--muted);line-height:1.7}
.grid-3,.grid-2,.faq-grid{display:grid;gap:1.2rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card,.calc-card,.info-card,.legal-card,.faq-item{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:1.4rem
}
.card p,.calc-card p,.info-card p,.legal-card p,.legal-card li,.faq-item p{color:var(--muted);line-height:1.75}
.card h3,.calc-card h3,.info-card h3,.legal-card h3,.faq-item h3{margin-top:0}
.checklist{display:grid;gap:.55rem;margin:0;padding:0;list-style:none}
.checklist li{position:relative;padding-left:1.45rem;color:var(--muted)}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;color:#0f7a3d;font-weight:900}
.claims{display:grid;gap:1rem}
.claim{
  padding:1rem;border-radius:18px;background:var(--panel-soft);border:1px solid var(--line)
}
.calc-card .tags{display:flex;gap:.45rem;flex-wrap:wrap;margin:.8rem 0 1rem}
.tag{font-size:.8rem;padding:.42rem .66rem;border-radius:999px;background:#eaf2ff;color:#0a63c7;font-weight:700}
.note{
  padding:1rem 1.1rem;border-radius:18px;background:#fff8e9;border:1px solid #f4d48d;color:#725112;line-height:1.65
}
.steps{counter-reset:st;display:grid;gap:.9rem}
.steps .step{
  position:relative;padding:1rem 1rem 1rem 3.25rem;background:var(--panel-soft);border-radius:18px;border:1px solid var(--line)
}
.steps .step::before{
  counter-increment:st;content:counter(st);
  position:absolute;left:1rem;top:1rem;width:1.5rem;height:1.5rem;border-radius:999px;
  display:grid;place-items:center;background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-size:.82rem;font-weight:800
}
.cta-band{
  background:linear-gradient(135deg,#0a63c7 0%, #0e8cf1 100%);
  color:#fff;border-radius:28px;padding:1.6rem;border:1px solid rgba(255,255,255,.12)
}
.cta-band p{color:#eaf4ff}
.footer{
  margin-top:2rem;background:#0f1627;color:#d8e3f6;padding:2.4rem 0;border-top:1px solid rgba(255,255,255,.08)
}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:1.2rem}
.footer a{color:#d8e3f6}
.small{font-size:.94rem;color:#8da0c0}
.legal-wrap{display:grid;grid-template-columns:1fr;gap:1rem}
.legal-card ul{padding-left:1.1rem}
.banner{
  padding:1rem 1.1rem;border-radius:18px;background:#eaf8ef;border:1px solid #bfe4cc;color:#19502c
}
.calc-links{display:grid;gap:1rem}
.calc-actions{display:flex;gap:.7rem;flex-wrap:wrap}

.contact-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:1.2rem}
.contact-form{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow)
}
.contact-form input,.contact-form textarea{
  width:100%;min-height:48px;padding:.9rem 1rem;border:1px solid var(--line);border-radius:16px;
  font:inherit;color:var(--text);background:#fff
}
.contact-form textarea{min-height:150px;resize:vertical}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.form-row + .form-row,.contact-form .field{margin-top:.9rem}
.contact-form .field{display:grid;gap:.45rem}
.contact-form label{font-weight:700;color:#334861}
.privacy-box{
  margin-top:1rem;padding:1rem;border:1px solid var(--line);border-radius:18px;background:var(--panel-soft)
}
.checkbox-row{
  display:flex;gap:.8rem;align-items:flex-start
}
.checkbox-row input{margin-top:.25rem}
.form-note{color:var(--muted);font-size:.92rem}
.form-error{
  display:none;margin-top:.8rem;padding:.85rem 1rem;border-radius:14px;background:#fff1f1;border:1px solid #efc7c7;color:#8d3131;font-weight:700
}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.contact-side{
  background:linear-gradient(180deg,#eef5fb,#e8f1fa);border:1px solid #dce7f1;border-radius:var(--radius);padding:1.45rem;box-shadow:var(--shadow)
}
.contact-item{
  display:grid;grid-template-columns:42px 1fr;gap:.85rem;align-items:start;padding:1rem 0;border-bottom:1px solid rgba(180,199,220,.45)
}
.contact-item:last-child{border-bottom:0}
.icon{
  width:42px;height:42px;border-radius:50%;background:#0d74d8;color:#fff;display:grid;place-items:center;font-size:1rem;font-weight:900
}
.contact-item strong{display:block;color:#5f7188;font-size:.93rem;font-weight:800;margin-bottom:.2rem}
.contact-item span{display:block;color:#0b4f96;font-size:1.08rem;font-weight:800}
.contact-item .minor{display:block;color:var(--muted);font-size:.92rem;font-weight:600;margin-top:.2rem}

.modal-overlay{
  position:fixed;inset:0;background:rgba(6,12,22,.68);backdrop-filter:blur(4px);
  display:none;align-items:center;justify-content:center;padding:1rem;z-index:120
}
.modal-overlay.open{display:flex}
.modal{
  width:min(860px,100%);max-height:88vh;overflow:auto;background:#fff;border:1px solid var(--line);
  border-radius:24px;box-shadow:0 28px 70px rgba(0,0,0,.28);padding:1.35rem
}
.modal-head{display:flex;justify-content:space-between;gap:1rem;align-items:start}
.modal-close{
  border:0;background:#eef3fb;color:#0a63c7;width:42px;height:42px;border-radius:999px;cursor:pointer;font-size:1.3rem;font-weight:900
}
.hidden{display:none !important}
.cookie-banner{
  position:fixed;left:1rem;right:1rem;bottom:1rem;background:#fff;border:1px solid var(--line);border-radius:22px;
  box-shadow:0 20px 50px rgba(10,24,48,.16);padding:1rem 1.1rem;z-index:110;display:none
}
.cookie-banner.show{display:block}
.cookie-wrap{display:flex;gap:1rem;align-items:center;justify-content:space-between}
.cookie-banner p{margin:.35rem 0 0;color:var(--muted)}
.cookie-actions{display:flex;gap:.7rem;flex-wrap:wrap}

@media (max-width:960px){
  .hero-grid,.grid-3,.grid-2,.hero-badges,.footer-grid,.contact-grid,.form-row{grid-template-columns:1fr}
}
@media (max-width:820px){
  .menu-button{display:inline-flex;padding:.78rem 1rem;border-radius:999px;border:1px solid var(--line);background:#f5f9ff}
  .main-nav{display:none;position:absolute;top:76px;left:1rem;right:1rem;flex-direction:column;align-items:stretch;background:#fff;border:1px solid var(--line);border-radius:20px;padding:.7rem;box-shadow:var(--shadow)}
  .menu-toggle:checked~.main-nav{display:flex}
  .nav-wrap{position:relative}
}
@media (max-width:700px){
  .cookie-wrap{display:block}
  .cookie-actions{margin-top:1rem}
}


.brand svg{width:46px;height:46px;display:block}
.hero-image-card{
  background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.14);border-radius:24px;
  overflow:hidden;box-shadow:0 18px 44px rgba(0,0,0,.16)
}
.hero-image-card svg{display:block;width:100%;height:auto;min-height:360px}
.image-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.image-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow)
}
.image-card svg{display:block;width:100%;height:190px}
.image-card .inner{padding:1rem 1.1rem}
@media (max-width:960px){
  .image-grid{grid-template-columns:1fr}
}