:root{
  --navy:#0b1f4a;
  --blue:#004692;
  --purple:#6c4ea7;
  --gold:#c9a227;
  --ink:#1c2434;
  --muted:#5b6578;
  --line:#e6e9f0;
  --paper:#f6f7fb;
  --white:#fff;
  --radius:18px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Mulish,system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{width:min(1180px,calc(100% - 40px));margin:0 auto}
.topbar{background:var(--navy);color:#dbe4f4;font-size:13px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:20px}
.logo img{height:48px;width:auto}
nav{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
nav a{font-weight:700;font-size:14px;letter-spacing:.02em;color:var(--navy)}
nav a:hover,.btn:hover{color:var(--purple)}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;font-weight:800;padding:12px 20px;border-radius:999px;border:0;cursor:pointer}
.btn:hover{background:var(--purple);color:#fff}
.btn.gold{background:var(--gold);color:var(--navy)}
.hero{min-height:78vh;display:grid;place-items:center;color:#fff;background:#0b1f4a center/cover no-repeat;position:relative}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,31,74,.88),rgba(11,31,74,.45))}
.hero-inner{position:relative;z-index:1;padding:90px 0;width:min(720px,100%)}
.kicker{color:var(--gold);font-weight:800;letter-spacing:.16em;text-transform:uppercase;font-size:12px;margin-bottom:12px}
.hero h1{font-size:clamp(34px,5vw,62px);line-height:1.08;margin-bottom:16px}
.hero p{font-size:18px;color:#e8edf7;max-width:54ch;margin-bottom:28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:-42px;position:relative;z-index:2}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 18px 40px rgba(11,31,74,.08)}
.stat b{display:block;font-size:28px;color:var(--blue)}
.section{padding:84px 0}
.section.alt{background:var(--paper)}
.section h2{font-size:clamp(28px,3.4vw,42px);line-height:1.15;margin:8px 0 14px;color:var(--navy)}
.lead{color:var(--muted);max-width:62ch}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 10px 28px rgba(11,31,74,.05);height:100%;display:flex;flex-direction:column}
.card img{width:100%;height:180px;object-fit:cover}
.card .body{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h3{color:var(--navy);font-size:20px}
.more{color:var(--blue);font-weight:800;margin-top:auto}
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.why article{padding:28px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps article{padding:28px;border-left:4px solid var(--gold);background:#fff}
.quote{background:var(--navy);color:#fff;border-radius:24px;padding:40px}
.quote p{font-size:22px;line-height:1.45}
.page-hero{padding:70px 0 40px;background:linear-gradient(180deg,#0b1f4a,#14336e);color:#fff}
.page-hero h1{font-size:clamp(30px,4vw,48px);margin-top:8px}
.price{display:inline-block;background:var(--gold);color:var(--navy);font-weight:900;padding:8px 14px;border-radius:999px;margin:12px 0}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
form{display:grid;gap:12px;max-width:560px}
input,textarea,select{width:100%;border:1px solid var(--line);border-radius:12px;padding:12px 14px;font:inherit;background:#fff}
footer{background:var(--navy);color:#d5deee;padding:48px 0 24px}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
footer a{color:#fff}
.foot{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:16px;font-size:13px;color:#9eacc4}
.ok,.err{padding:12px 14px;border-radius:12px;display:none}
.ok{background:#e8f7ee;color:#146c2e}
.err{background:#fdecec;color:#9b1c1c}
@media (max-width:900px){
  .stats,.grid,.why,.steps,footer .wrap,.split{grid-template-columns:1fr}
  .site-header .wrap{flex-wrap:wrap;padding:10px 0}
  nav{width:100%;gap:14px}
  .hero{min-height:70vh;background-position:70% center}
}