:root{--navy:#123B67;--blue:#1976D2;--red:#F21D25;--green:#35A853;--sky:#eaf4ff;--mute:#566d84;--line:#d6e0ea}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font:16px/1.6 Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--navy);background:#fff}
a{color:var(--blue)}img{max-width:100%;height:auto}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.88);-webkit-backdrop-filter:saturate(1.4) blur(10px);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:19px;letter-spacing:-.01em}.logo img{display:block}
nav{display:flex;align-items:center;gap:22px}nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:15px}nav a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:12px 22px;border-radius:999px;font-weight:700;text-decoration:none;box-shadow:0 6px 18px rgba(25,118,210,.28);transition:transform .15s,background .15s}
.btn:hover{background:#1260ab;transform:translateY(-1px)}.btn.sm{padding:8px 16px;font-size:14px;box-shadow:none}.btn.ghost{background:#fff;color:var(--navy)!important;border:1px solid var(--line);box-shadow:none}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 80% 20%,#dcecff,transparent 55%),linear-gradient(#fff,var(--sky))}
.hero .ct{position:absolute;inset:0;width:100%;height:100%;opacity:.3;pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:center;padding-top:56px;padding-bottom:64px}
h1{font-size:clamp(34px,5.4vw,56px);line-height:1.08;margin:0 0 16px;letter-spacing:-.025em;font-weight:800}h1 em{font-style:normal;color:var(--blue)}
.lead{font-size:19px;color:var(--mute);max-width:520px;margin:0 0 26px}.cta{display:flex;gap:12px;flex-wrap:wrap}
.art{position:relative;text-align:center;min-height:260px}.art img{width:min(100%,360px);animation:float 6s ease-in-out infinite}
.pin{position:absolute;width:28px;height:auto;animation:drop .7s cubic-bezier(.2,1.6,.4,1) both}.p1{left:4%;top:8%;animation-delay:.5s}.p2{right:6%;top:2%;animation-delay:.8s}.p3{right:2%;bottom:14%;animation-delay:1.1s}
@keyframes drop{0%{transform:translateY(-70px);opacity:0}60%{transform:translateY(6px);opacity:1}100%{transform:none}}@keyframes float{50%{transform:translateY(-8px)}}
section{padding:64px 0}h2{font-size:clamp(26px,3.6vw,36px);letter-spacing:-.02em;margin:0 0 10px}.sub{color:var(--mute);margin:0 0 30px;max-width:620px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(18,59,103,.1)}.card svg{width:28px;height:28px;margin-bottom:8px}.card h3{margin:0 0 6px;font-size:18px}.card p{margin:0;color:var(--mute);font-size:15px}
.band{background:var(--sky)}ol.steps{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
ol.steps li{counter-increment:s;background:#fff;border-radius:16px;padding:22px;border:1px solid var(--line);color:var(--mute)}
ol.steps li:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:10px}ol.steps b{display:block;color:var(--navy);margin-bottom:4px}
details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}summary{cursor:pointer;font-weight:700}details p{margin:8px 0 0;color:var(--mute)}
.fin{text-align:center;background:var(--navy);color:#fff;border-radius:22px;padding:44px 20px}.fin h2{color:#fff}.fin p{color:#cfe0f3;margin:0 auto 22px}
footer{background:var(--navy);color:#cfe0f3;padding:44px 0 26px;font-size:14px}footer a{color:#fff;text-decoration:none}footer a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:28px}footer h4{color:#fff;margin:0 0 10px;font-size:14px}footer ul{list-style:none;margin:0;padding:0;line-height:2}
.fine{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:16px;font-size:13px;color:#a9c2dd}
.legal{max-width:780px;padding:48px 20px 72px;margin:0 auto}.legal h1{font-size:clamp(30px,4.5vw,42px)}.legal h2{font-size:21px;margin:30px 0 8px}.legal p,.legal li{color:#2b4a6b}.legal .upd{color:var(--mute);font-size:14px}
#boot{position:fixed;inset:0;z-index:99;background:#fff;display:grid;place-items:center;transition:opacity .3s;animation:bootout .01s 2.5s forwards}#boot.out{opacity:0;pointer-events:none}#boot svg{width:44px;animation:drop .7s cubic-bezier(.2,1.6,.4,1) both}
@keyframes bootout{to{opacity:0;visibility:hidden}}
@media(max-width:760px){.hero .wrap,.grid,ol.steps,.fgrid{grid-template-columns:1fr}.art{order:-1;min-height:200px}.hero .wrap{padding-top:28px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}#boot{display:none}}

.bg{display:none;position:relative;width:44px;height:44px;border:0;background:none;border-radius:10px;cursor:pointer;-webkit-tap-highlight-color:transparent}
.bg i{position:absolute;left:11px;right:11px;height:2.5px;background:var(--navy);border-radius:2px;transition:top .3s,transform .3s,opacity .2s}
.bg i:nth-child(1){top:14px}.bg i:nth-child(2){top:21px}.bg i:nth-child(3){top:28px}
.bg[aria-expanded=true] i:nth-child(1){top:21px;transform:rotate(45deg)}.bg[aria-expanded=true] i:nth-child(2){opacity:0}.bg[aria-expanded=true] i:nth-child(3){top:21px;transform:rotate(-45deg)}
.bg:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
.legal h3{font-size:18px;margin:22px 0 6px}.legal ul{padding-left:22px}.legal li{margin-bottom:8px}.legal .lead{max-width:none;margin:0 0 24px}
@media(max-width:760px){.bg{display:block}
nav{position:fixed;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;gap:2px;padding:12px 18px 22px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(18,59,103,.12);transform:translateY(-12px);opacity:0;visibility:hidden;transition:transform .3s,opacity .25s,visibility .3s}
nav.open{transform:none;opacity:1;visibility:visible}
nav a:not(.btn){display:block;padding:14px 12px;font-size:17px;border-radius:10px}nav a:not(.btn):active{background:var(--sky)}
nav .btn{display:block;margin-top:8px;text-align:center;padding:13px}}