:root{
  --navy:#12325C; --blue:#1E5AA8; --orange:#EB8222; --ink:#1B2430; --muted:#5A6675;
  --line:#E3E8EF; --tint:#F5F8FC; --white:#fff; --accent:var(--blue);
  --radius:14px; --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
a{color:var(--blue)}
h1,h2,h3{line-height:1.2;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.8vw,2.2rem);font-weight:750}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.lead{font-size:clamp(1.05rem,1.6vw,1.3rem);color:#33414F;max-width:60ch}
/* header */
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.topbar{display:flex;align-items:center;gap:16px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);text-decoration:none}
.brand .dot{width:26px;height:26px;border-radius:7px;background:var(--accent);display:inline-block}
.spacer{flex:1}
.langbtn{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;
  font:inherit;font-size:.85rem;font-weight:650;color:var(--navy);cursor:pointer}
.langbtn:hover{border-color:var(--blue)}
/* buttons */
.btn{display:inline-block;border-radius:11px;padding:14px 24px;font-weight:700;text-decoration:none;
  border:1px solid transparent;cursor:pointer;font-size:1rem;transition:transform .06s ease, box-shadow .2s ease}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--orange);color:#20160B;box-shadow:0 1px 0 rgba(0,0,0,.06)}
.btn-primary:hover{box-shadow:0 6px 18px rgba(235,130,34,.35)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--blue)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 10px}
.microcopy{font-size:.86rem;color:var(--muted);margin-top:6px}
/* hero */
.hero{background:linear-gradient(170deg,var(--tint) 0%,#fff 62%);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding:76px 0 68px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:750;letter-spacing:.09em;text-transform:uppercase;
  color:var(--accent);border:1px solid color-mix(in srgb,var(--accent) 28%,#fff);
  background:color-mix(in srgb,var(--accent) 7%,#fff);border-radius:999px;padding:6px 13px;margin-bottom:18px}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  box-shadow:0 16px 40px -24px rgba(18,50,92,.4)}
.panel h3{margin-bottom:14px;color:var(--navy);font-size:1rem;letter-spacing:.01em}
.kv{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-top:1px solid var(--line);font-size:.94rem}
.kv:first-of-type{border-top:0}
.kv b{color:var(--navy)}
.big{font-size:2.1rem;font-weight:800;color:var(--navy);letter-spacing:-.03em}
/* sections */
section{padding:72px 0}
section.tinted{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:36px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .num{width:32px;height:32px;border-radius:9px;background:var(--accent);color:#fff;
  display:grid;place-items:center;font-weight:800;font-size:.95rem;margin-bottom:14px}
.card p{color:var(--muted);margin:0}
.checks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:12px;max-width:70ch}
.checks li{padding-left:30px;position:relative;color:#33414F}
.checks li:before{content:"";position:absolute;left:0;top:.55em;width:16px;height:9px;
  border-left:2.5px solid var(--accent);border-bottom:2.5px solid var(--accent);transform:rotate(-45deg)}
/* form */
.formwrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:56px;align-items:start}
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:0 16px 40px -28px rgba(18,50,92,.45)}
.field{margin-bottom:16px}
label{display:block;font-size:.86rem;font-weight:650;color:var(--navy);margin-bottom:6px}
input[type=text],input[type=email],textarea{width:100%;border:1px solid var(--line);border-radius:10px;
  padding:12px 13px;font:inherit;color:var(--ink);background:#fff}
input:focus,textarea:focus{outline:3px solid color-mix(in srgb,var(--blue) 25%,#fff);outline-offset:1px;border-color:var(--blue)}
textarea{min-height:104px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted);margin:6px 0 18px}
.consent input{margin-top:3px;width:17px;height:17px;flex:none}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.note{font-size:.86rem;color:var(--muted)}
.ok{background:#EAF6EE;border:1px solid #BFE3CC;color:#17603A;border-radius:10px;padding:16px;font-weight:600}
.err{background:#FDECEA;border:1px solid #F3C4BE;color:#8C2318;border-radius:10px;padding:14px;margin-bottom:14px}
/* footer */
footer{background:var(--navy);color:#C9D6E6;padding:44px 0;font-size:.9rem}
footer a{color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.35)}
.fgrid{display:flex;flex-wrap:wrap;gap:26px;align-items:center}
.disclaimer{border-left:3px solid var(--orange);background:#FFF8F1;padding:14px 18px;border-radius:0 10px 10px 0;
  color:#5C4326;font-size:.9rem;max-width:70ch}
@media(max-width:900px){
  .hero-in,.formwrap{grid-template-columns:1fr;gap:34px;padding-top:52px}
  .grid3{grid-template-columns:1fr}
  section{padding:52px 0}
}