:root{--ink:#0E1B3D;--navy:#0C2366;--blue:#1D3FAF;--tint:#EAF0FF;--line:#E3E9F8;--line2:#C9D3F0;--mute:#4A5578;--body:#33406A;--soft:#F6F8FD}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--blue)}a:hover{color:var(--navy)}
h1,h2,h3,p{margin:0}
:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
.wrap{max-width:1200px;margin:0 auto;padding-left:32px;padding-right:32px}
.sec{padding-top:96px}
.sec-end{padding-top:96px;padding-bottom:96px}
.h2{font-size:36px;font-weight:700;letter-spacing:-.01em;color:var(--navy);line-height:1.2}
.h2 small{font-size:20px;font-weight:500;color:var(--mute)}
.mb{margin-bottom:40px}
.lead{margin:12px 0 32px;font-size:17px;line-height:1.55;color:var(--mute);max-width:720px}
.it{font-style:italic}
.grid{display:grid;gap:20px}
.g280{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.g300{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g320{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.g340{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.btn{display:inline-block;text-decoration:none;border-radius:999px;font-weight:600;font-size:15px;padding:12px 22px;border:none;font-family:inherit;cursor:pointer;text-align:center}
.btn-solid{background:var(--blue);color:#fff}.btn-solid:hover{background:var(--navy);color:#fff}
.btn-line{border:1.5px solid var(--blue);color:var(--blue);background:#fff;font-size:16px;padding:14px 26px}
.btn-white{background:#fff;color:var(--navy);font-size:16px;padding:16px 30px;margin-top:12px}
/* header */
header.top{border-bottom:1px solid var(--line);background:#fff}
.bar{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:18px;padding-bottom:18px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;font-size:20px}
.logo i{width:34px;height:34px;border-radius:10px;background:var(--blue);display:flex;align-items:center;justify-content:center}
.nav{display:flex;align-items:center;gap:28px}
.nav a:not(.btn){text-decoration:none;color:var(--ink);font-size:15px;font-weight:500}
.nav a[aria-current=page]{color:var(--blue);font-weight:600}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:999px;background:#fff;align-items:center;justify-content:center;cursor:pointer}
/* hero */
.band{background:var(--tint)}
.hero{display:flex;flex-wrap:wrap;gap:64px;align-items:center;padding-top:80px;padding-bottom:80px}
.hero-l{flex:1 1 460px;min-width:0;display:flex;flex-direction:column;gap:24px}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--blue)}
h1{font-size:56px;line-height:1.08;font-weight:700;letter-spacing:-.02em;color:var(--navy)}
.sub{font-size:19px;line-height:1.55;color:var(--body);max-width:520px}
.card{flex:1 1 420px;min-width:0;max-width:480px;background:#fff;border-radius:24px;padding:32px;box-shadow:0 12px 40px rgba(12,35,102,.1)}
.form,.sent{display:flex;flex-direction:column;gap:16px}
.form h2,.sent h2{font-size:24px;font-weight:700;color:var(--navy)}
.form .note{font-size:15px;font-style:italic;color:var(--mute);margin-top:4px}
.lbl{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:500}
.inp{width:100%;height:48px;padding:0 16px;border:1px solid var(--line2);border-radius:12px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
.inp:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
.inp-lg{height:56px;font-size:17px}
.go{height:56px;font-size:17px;width:100%}
.fine{font-size:13px;line-height:1.5;color:var(--mute)}
.err{font-size:14px;color:#B3261E;min-height:0}
.sent{padding:24px 0}
.sent[hidden],.form[hidden]{display:none}
.sent p{font-size:16px;line-height:1.55;color:var(--body)}.sent strong{color:var(--navy)}
.tick{width:52px;height:52px;border-radius:999px;background:var(--tint);display:flex;align-items:center;justify-content:center}
.card{align-self:center}
.linkbtn{border:none;background:none;font:inherit;font-size:14px;color:var(--blue);cursor:pointer;padding:8px}
/* cards */
.step{border:1px solid var(--line);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:12px}
.num{width:40px;height:40px;flex-shrink:0;border-radius:999px;background:var(--blue);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.step>div{display:flex;flex-direction:column;gap:12px}
.step h3{font-size:20px;font-weight:600;color:var(--navy)}
.step p{font-size:16px;line-height:1.55;color:var(--mute)}
.tile{text-decoration:none;background:var(--tint);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:10px;min-height:150px}
.tile b{font-size:20px;font-weight:600;color:var(--navy)}
.tile span{font-size:16px;line-height:1.5;color:var(--body);flex-grow:1}
.tile em{font-style:normal;font-size:14px;font-weight:600;color:var(--blue)}
/* calculator */
.calc{background:var(--navy);border-radius:28px;padding:48px;display:flex;flex-wrap:wrap;gap:48px;color:#fff}
.calc-l{flex:1 1 380px;min-width:0;display:flex;flex-direction:column;gap:20px}
.calc-l h2{font-size:36px;font-weight:700;letter-spacing:-.01em;line-height:1.2}
.calc-l p{font-size:16px;line-height:1.55;color:#C8D4F7}
.calc-l label{color:#fff}
.calc-l a{color:#fff;font-size:15px;font-weight:600}
.calc-r{flex:1 1 380px;min-width:0;background:#fff;border-radius:20px;padding:28px;color:var(--ink);display:flex;flex-direction:column;gap:4px}
.calc-r p{font-size:14px;color:var(--mute);margin-bottom:8px}
.row{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:16px}
.row.tot{font-size:18px;color:var(--navy);padding:16px 0}.row.tot span{font-weight:600}.row.tot strong{font-size:22px}
.row.tds{border:0;padding:14px 0 0;font-size:15px;color:var(--mute)}.row.tds strong{color:var(--ink)}
/* faq */
.split{display:flex;flex-wrap:wrap;gap:48px}
.split-l{flex:1 1 300px;min-width:0;display:flex;flex-direction:column;gap:16px}
.split-l a{font-size:16px;font-weight:600}
.split-r{flex:999 1 560px;min-width:0;display:flex;flex-direction:column;gap:12px}
details{border:1px solid var(--line);border-radius:16px;padding:20px 24px;background:#fff}
summary{cursor:pointer;list-style:none;font-size:18px;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary svg{flex-shrink:0;margin-top:3px;transition:transform .15s}
details[open] summary svg{transform:rotate(45deg)}
details p{margin-top:12px;font-size:16px;line-height:1.6;color:var(--mute)}
.fgroup{display:flex;flex-wrap:wrap;gap:48px;padding:48px 0;border-bottom:1px solid var(--line);scroll-margin-top:16px}
.fgroup h2{flex:1 1 240px;min-width:0;font-size:28px;font-weight:700;color:var(--navy)}
.fgroup>div{flex:999 1 640px;min-width:0;display:flex;flex-direction:column;gap:12px}
.chips{display:flex;gap:10px;flex-wrap:wrap}
.chips a{text-decoration:none;background:#fff;color:var(--navy);font-size:15px;font-weight:500;padding:10px 18px;border-radius:999px;border:1px solid var(--line2)}
/* page intro */
.intro{padding-top:72px;padding-bottom:72px;display:flex;flex-direction:column;gap:18px}
.intro h1{font-size:52px;line-height:1.1}
.intro .sub{max-width:720px;font-style:italic}
/* services */
.svc{border:1px solid var(--line);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:12px}
.svc h2{font-size:21px;font-weight:600;color:var(--navy)}
.svc p{font-size:16px;line-height:1.55;color:var(--body);flex-grow:1}
.svc .inc{flex-grow:0;font-size:14px;line-height:1.5;color:var(--blue);background:var(--tint);border-radius:12px;padding:10px 14px}
.scroll{overflow-x:auto}
.tbl{width:100%;border-collapse:collapse;font-size:15px;min-width:720px}
.tbl th{text-align:left;font-weight:600;color:var(--navy);background:var(--tint);padding:14px 18px}
.tbl th:first-child{border-radius:12px 0 0 12px}.tbl th:last-child{border-radius:0 12px 12px 0}
.tbl th.us{background:var(--blue);color:#fff}
.tbl td{padding:16px 18px;border-bottom:1px solid var(--line);color:var(--body);vertical-align:top;line-height:1.5}
.tbl td:first-child{font-weight:600;color:var(--ink)}
.tbl td.us{color:var(--navy);font-weight:600}
.tbl strong{color:var(--navy)}
.foot-note{margin-top:20px;font-size:15px;line-height:1.55;color:var(--mute);font-style:italic}
.ex{background:var(--tint);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:6px}
.ex>span{font-size:15px;font-weight:500;color:var(--body)}
.ex>b{font-size:32px;font-weight:700;color:var(--navy)}
.exr{display:flex;justify-content:space-between;gap:12px;font-size:15px;padding-top:8px;color:var(--body)}
.exr:first-of-type{margin-top:14px;padding-top:14px;border-top:1px solid var(--line2)}
.exr strong{color:var(--navy)}
.box{border:1px solid var(--line);border-radius:20px;padding:32px}
.box.soft{background:var(--soft);border:0}
.box h2{font-size:24px;font-weight:700;color:var(--navy);margin-bottom:20px}
.ticks{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:12px}
.ticks li{display:flex;gap:12px;font-size:16px;line-height:1.5;color:var(--body)}
.ticks svg{flex-shrink:0;margin-top:2px}
.docs{border:1px solid var(--line);border-radius:20px;padding:28px}
.docs h3{font-size:18px;font-weight:600;color:var(--navy);margin-bottom:16px}
.docs ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:10px;font-size:16px;line-height:1.5;color:var(--body)}
.docs.us{background:var(--blue);border:0}.docs.us h3{color:#fff}.docs.us ul{color:#E6ECFF}
/* cta + footer */
.cta{background:var(--blue);border-radius:28px;padding:64px 48px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:16px}
.cta h2{font-size:40px;font-weight:700;letter-spacing:-.01em;color:#fff;line-height:1.15}
.cta p{font-size:18px;font-style:italic;color:#DCE5FF}
footer{border-top:1px solid var(--line)}
.fcols{padding-top:48px;padding-bottom:48px;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px;font-size:15px;color:var(--mute)}
.fcols>div{display:flex;flex-direction:column;gap:10px}
.fcols b{font-weight:600;color:var(--ink)}
.fcols .brand{font-size:18px;font-weight:700;color:var(--navy)}
.fcols a{text-decoration:none;color:var(--mute)}
.fcols span{line-height:1.55}
.copy{padding-top:20px;padding-bottom:32px;font-size:13px;color:var(--mute)}
.copy>div{border-top:1px solid var(--line);padding-top:20px}
/* mobile */
@media (max-width:760px){
 .wrap{padding-left:20px;padding-right:20px}
 .bar{padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
 .burger{display:flex}
 .nav{display:none;flex-direction:column;align-items:stretch;gap:4px;width:100%;padding-bottom:8px}
 .nav.open{display:flex}
 .nav a:not(.btn){font-size:17px;padding:12px 0;border-bottom:1px solid var(--line)}
 .nav .btn{margin-top:12px;padding:14px;font-size:16px}
 .hero{padding-top:36px;padding-bottom:32px;gap:26px}
 .hero-l{gap:18px;flex-basis:100%}
 .eyebrow{font-size:12px}
 h1{font-size:36px;line-height:1.12}
 .intro{padding-top:44px;padding-bottom:44px}.intro h1{font-size:36px}
 .sub{font-size:17px}
 .card{flex-basis:100%;max-width:none;border-radius:20px;padding:24px 20px}
 .sec{padding-top:56px}.sec-end{padding-top:48px;padding-bottom:56px}
 .h2,.calc-l h2{font-size:28px}
 .h2 small{display:block;font-size:16px;margin-top:4px}
 .mb{margin-bottom:24px}
 .g280,.g300,.g320,.g340{grid-template-columns:minmax(0,1fr);gap:14px}
 .step{flex-direction:row;gap:14px;padding:20px;border-radius:18px}
 .step>div{display:flex;flex-direction:column;gap:4px}
 .step h3{font-size:17px}.step p{font-size:15px;line-height:1.5}
 .num{width:36px;height:36px}
 .tile{min-height:0;padding:18px 20px;border-radius:18px;gap:4px}
 .tile b{font-size:17px}.tile span{font-size:14px}
 .calc{padding:24px 20px;border-radius:22px;gap:16px}
 .calc-l,.calc-r{flex-basis:100%;gap:16px}.calc-r{padding:18px;border-radius:16px;gap:0}
 .row{font-size:15px;padding:12px 0}.row.tot strong{font-size:19px}.row.tds{font-size:14px}
 .split{gap:16px}.split-l{flex-basis:100%}
 summary{font-size:16px;line-height:1.4}
 details{padding:16px 18px;border-radius:14px}details p{font-size:15px}
 .fgroup{gap:18px;padding:32px 0}.fgroup h2{flex-basis:100%;font-size:24px}
 .cta{padding:36px 24px;border-radius:22px;gap:12px}.cta h2{font-size:26px;line-height:1.2}.cta p{font-size:15px}
 .btn-white{padding:14px 26px;margin-top:8px}
 .box{padding:24px}
}