:root{--navy:#071936;--blue:#123a7a;--green:#128a60;--gold:#f4b626;--light:#f5f8fc;--ink:#162033;--muted:#607089;--border:#dbe5f1;--shadow:0 18px 50px rgba(10,30,70,.12)}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{text-decoration:none;color:inherit}.container{max-width:1180px;margin:auto;padding:0 22px}
.top{background:var(--navy);color:#dbeafe;font-size:14px;padding:9px 0}.top .container{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
header{background:#fff;position:sticky;top:0;z-index:10;border-bottom:1px solid var(--border);box-shadow:0 3px 18px rgba(10,30,70,.07)}.navwrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 22px}.logo{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy)}.logo img{height:56px}.logo span{font-size:14px;line-height:1.15}
nav{display:flex;gap:16px;align-items:center;flex-wrap:wrap;font-weight:800;color:#24344d}nav a{font-size:14px}nav a:hover{color:var(--green)}
.btn{display:inline-block;border-radius:999px;padding:12px 18px;background:var(--green);color:#fff;font-weight:900;box-shadow:0 9px 24px rgba(18,138,96,.25);margin:4px 6px 4px 0}.btn.blue{background:var(--blue)}.btn.gold{background:var(--gold);color:#172033}.btn.light{background:#fff;color:var(--blue);border:1px solid var(--border);box-shadow:none}
.hero{background:linear-gradient(135deg,rgba(7,25,54,.98),rgba(18,58,122,.93),rgba(18,138,96,.86));color:#fff;padding:84px 0;overflow:hidden}.hero .grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}.badge{display:inline-block;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.25);padding:8px 12px;border-radius:999px;font-weight:900;font-size:13px}h1{font-size:52px;line-height:1.05;margin:18px 0;letter-spacing:-1.3px}h2{font-size:34px;line-height:1.15;margin:0 0 16px;color:var(--navy)}h3{font-size:21px;margin:0 0 10px;color:var(--blue)}p{margin:0 0 16px}.lead{font-size:20px;color:#e7f2ff;max-width:820px}
.section{padding:70px 0}.section.light{background:var(--light)}.section.navy{background:var(--navy);color:#fff}.section.navy h2,.section.navy h3{color:#fff}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--border);border-radius:24px;padding:26px;box-shadow:var(--shadow)}.card.gold{background:#fff8df;border-color:#f0d170}.pill{display:inline-block;background:#eaf4ff;color:var(--blue);border:1px solid #cfe2fb;border-radius:999px;padding:8px 12px;font-weight:900;font-size:13px;margin:3px}.step{display:flex;gap:14px;margin:0 0 18px}.num{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--green));color:white;display:flex;align-items:center;justify-content:center;font-weight:900;flex:0 0 auto}.partner{background:#fff;border:1px solid var(--border);border-left:6px solid var(--green);border-radius:20px;padding:22px;box-shadow:0 8px 26px rgba(10,30,70,.07)}.warning{background:#fff8df;border:1px solid #f0d170;border-radius:20px;padding:18px;color:#28364a}.cta{background:linear-gradient(135deg,var(--blue),var(--green));color:#fff;border-radius:30px;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.cta h2{color:#fff;margin:0 0 8px}.faq details{background:#fff;border:1px solid var(--border);border-radius:18px;padding:18px 20px;margin:12px 0}.faq summary{font-weight:900;color:var(--navy);cursor:pointer}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:14px;font:inherit;margin-bottom:12px}textarea{min-height:130px}
footer{background:#071936;color:#cbd5e1;padding:44px 0 20px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}.note{font-size:13px;color:var(--muted)}
@media(max-width:940px){.hero .grid,.grid2,.grid3,.grid4,.footer-grid{grid-template-columns:1fr}h1{font-size:38px}h2{font-size:29px}nav{display:none}.logo img{height:48px}}