:root{--navy:#0b2545;--navy2:#13315c;--green:#1f8a63;--green2:#3fb68b;--ink:#1c2533;--muted:#5b6678;--bg:#f6f8fb;--line:#dfe5ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2}
a{color:var(--green)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--green2);outline-offset:2px}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.top{background:var(--navy);color:#fff}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none}
.brand svg{width:40px;height:40px}.brand b{font-family:Georgia,serif;font-size:1.35rem;letter-spacing:.02em}.brand span{color:var(--green2);font-weight:400}
.nav ul{list-style:none;display:flex;gap:18px;margin:0;padding:0;flex-wrap:wrap}.nav ul a{color:#dbe6f5;text-decoration:none;font-size:.95rem}.nav ul a:hover{color:#fff}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,#1d4e5f 100%);color:#fff;padding:72px 0 88px;position:relative;overflow:hidden}
.hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.2rem);max-width:760px;margin:.2em 0}
.hero p{font-size:1.15rem;color:#d6e2f2;max-width:640px}
.badge{display:inline-block;border:1px solid var(--green2);color:var(--green2);border-radius:999px;padding:4px 14px;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;padding:13px 24px;border-radius:8px;font-weight:600;border:0;font-size:1rem;cursor:pointer}
.btn:hover{background:#18704f}.btn.ghost{background:transparent;border:1px solid #9fb3cf;margin-left:10px}
.hero .lines{position:absolute;right:-60px;bottom:-40px;width:420px;opacity:.18}
section{padding:72px 0}section.alt{background:var(--bg)}
.lead{color:var(--muted);max-width:680px;font-size:1.08rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin-top:30px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.card h3{margin-top:10px;font-size:1.2rem}.card p{color:var(--muted);margin:0}
.icon{width:42px;height:42px;border-radius:10px;background:#e6f4ee;display:grid;place-items:center}.icon svg{width:24px;height:24px;stroke:var(--green);fill:none;stroke-width:2}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px;margin-top:30px}
.step{padding-left:56px;position:relative}.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.step h3{margin:6px 0 4px;font-size:1.1rem}.step p{margin:0;color:var(--muted)}
form{display:grid;gap:16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;max-width:720px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-weight:600;font-size:.95rem;display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #b9c4d3;border-radius:8px;font:inherit;background:#fff}
textarea{min-height:120px}.hp{display:none}.small{font-size:.85rem;color:var(--muted)}
footer{background:var(--navy);color:#c4d2e6;padding:40px 0;font-size:.9rem}footer a{color:#fff}
.disc{border-top:1px solid #2a4a74;margin-top:20px;padding-top:16px;display:grid;gap:6px}
.ehl{display:flex;align-items:center;gap:10px}.ehl svg{width:32px;height:32px;flex:none}
.prose{max-width:760px}.prose h2{margin-top:1.6em}
@media (max-width:640px){.row{grid-template-columns:1fr}.hero{padding:52px 0 64px}.btn.ghost{margin:10px 0 0}section{padding:52px 0}}