:root{--navy:#0f2a4a;--navy2:#16385f;--accent:#e8702a;--accent2:#c95d1d;--ink:#1d2733;--muted:#5b6776;--line:#dfe5ec;--bg:#f5f7fa;--ok:#1f7a4d}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}a{color:var(--navy2)}h1,h2,h3{line-height:1.25;color:var(--navy);margin:0 0 .6em}h1{font-size:clamp(1.8rem,4vw,2.7rem)}h2{font-size:clamp(1.4rem,3vw,2rem)}h3{font-size:1.15rem}
.wrap{max-width:1140px;margin:0 auto;padding:0 16px}.section{padding:56px 0}.section.alt{background:var(--bg)}.lead{font-size:1.1rem;color:var(--muted);max-width:760px}.center{text-align:center}.center .lead{margin:0 auto 28px}
.topbar{background:var(--navy);color:#fff;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:6px 16px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none;font-weight:600}
.nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.nav .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.logo{font-weight:800;font-size:1.35rem;color:var(--navy);text-decoration:none;letter-spacing:-.3px}.logo span{color:var(--accent)}
.menu{display:flex;gap:4px;list-style:none;margin:0;padding:0;align-items:center}.menu a{display:block;padding:8px 10px;text-decoration:none;color:var(--ink);font-weight:500;border-radius:6px}.menu a:hover,.menu a.on{color:var(--accent2);background:#fff4ec}
.btn{display:inline-block;background:var(--accent);color:#fff!important;padding:12px 20px;border-radius:8px;text-decoration:none;font-weight:700;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--accent2)}.btn.ghost{background:transparent;border:2px solid #fff}.btn.navy{background:var(--navy)}
.menu .btn{padding:9px 14px;color:#fff}#navtoggle,.navbtn{display:none}
@media(max-width:960px){.navbtn{display:block;cursor:pointer;font-size:1.6rem;padding:4px 10px;border:1px solid var(--line);border-radius:6px}.menu{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;flex-direction:column;align-items:stretch;padding:8px 16px 16px;border-bottom:1px solid var(--line)}#navtoggle:checked~.menu{display:flex}}
.hero{background:linear-gradient(100deg,rgba(15,42,74,.92),rgba(15,42,74,.65)),url(/images/banner1.jpg) center/cover;color:#fff;padding:56px 0}.hero h1{color:#fff}.hero p{color:#e6edf5;font-size:1.1rem}.hero .grid{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr}}
.ticks{list-style:none;padding:0;margin:18px 0}.ticks li{padding-left:28px;position:relative;margin:6px 0}.ticks li:before{content:"✓";position:absolute;left:0;color:#7ee0a8;font-weight:800}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}.form-card{color:var(--ink);box-shadow:0 10px 30px rgba(0,0,0,.18)}.form-card h2{font-size:1.3rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}.cards .card a.more{font-weight:700;text-decoration:none;color:var(--accent2)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}.steps .card:before{counter-increment:s;content:counter(s);display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:560px){form .row{grid-template-columns:1fr}}
label{display:block;font-size:.88rem;font-weight:600;margin:10px 0 4px;color:var(--navy)}input,select,textarea{width:100%;padding:11px 12px;border:1px solid #c9d3de;border-radius:8px;font:inherit;background:#fff}textarea{min-height:90px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}.chk{display:flex;gap:8px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin:12px 0}.chk input{width:auto;margin-top:4px}.hp{position:absolute;left:-5000px}
.small{font-size:.85rem;color:var(--muted)}.callbar{display:none}
@media(max-width:760px){.callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--accent);justify-content:center;padding:12px}.callbar a{color:#fff;font-weight:800;text-decoration:none;font-size:1.05rem}body{padding-bottom:56px}}
.notice{background:#fff8e6;border:1px solid #f1d58a;border-radius:10px;padding:14px 16px;font-size:.92rem}
.faq details{border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:10px 0;background:#fff}.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
footer{background:var(--navy);color:#cfd9e5;padding:44px 0 20px;font-size:.93rem}footer a{color:#fff;text-decoration:none}footer h3{color:#fff;font-size:1rem}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:24px}@media(max-width:800px){footer .cols{grid-template-columns:1fr 1fr}}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:16px;font-size:.82rem;color:#aebccb}
.consent{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 24px rgba(0,0,0,.2);border-radius:12px;padding:14px 16px;z-index:70;font-size:.9rem;display:none}.consent .btn{padding:8px 14px;font-size:.9rem;margin-right:8px}
.page-head{background:var(--bg);padding:40px 0 28px;border-bottom:1px solid var(--line)}.legal h2{font-size:1.25rem;margin-top:1.6em}.two{display:grid;grid-template-columns:1.2fr 1fr;gap:36px;align-items:start}@media(max-width:900px){.two{grid-template-columns:1fr}}
.hero .form-card p,.hero .form-card .small{color:var(--muted);font-size:.9rem}.hero .form-card a{color:var(--navy2)}.hero .ticks li{color:#fff}
@media(min-width:961px) and (max-width:1200px){.menu a{padding:8px 6px;font-size:.9rem}.logo{font-size:1.15rem}}