:root{--navy:#0e2a47;--blue:#1d6fd8;--gold:#f5a623;--ink:#1c2733;--mut:#5b6b7b;--bg:#f7f9fc;--line:#e3e9f0}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px 4px rgba(0,0,0,.2)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:62px;flex-wrap:wrap;gap:8px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem;letter-spacing:.2px}
.logo span{color:var(--gold)}
nav.menu{display:flex;flex-wrap:wrap;gap:2px}
nav.menu a{color:#dbe6f3;text-decoration:none;padding:8px 10px;border-radius:6px;font-size:.92rem}
nav.menu a:hover{background:rgba(255,255,255,.12);color:#fff}
.crumbs{font-size:.82rem;color:var(--mut);padding:14px 0 0}
.crumbs a{color:var(--blue);text-decoration:none}
.hero{background:linear-gradient(135deg,var(--navy),#153a63 60%,#1d5fae);color:#fff;padding:44px 0 40px}
.hero h1{font-size:2.1rem;line-height:1.2;max-width:720px}
.hero p.lead{margin-top:14px;max-width:680px;color:#d7e4f4;font-size:1.08rem}
.hero .cta{margin-top:22px;display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--gold);color:#26221a;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:none;font-size:1rem;cursor:pointer}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.55)}
.trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:.85rem;color:#c3d5ea}
.trust b{color:#fff}
main{padding:36px 0 8px}
article h2{font-size:1.45rem;margin:34px 0 12px;color:var(--navy)}
article h3{font-size:1.12rem;margin:22px 0 8px;color:var(--navy)}
article p{margin:0 0 14px;max-width:76ch}
article ul,article ol{margin:0 0 16px 22px;max-width:74ch}
article li{margin-bottom:7px}
article a{color:var(--blue)}
table{border-collapse:collapse;width:100%;margin:14px 0 20px;font-size:.94rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--bg);color:var(--navy)}
.note{background:#fff8ea;border:1px solid #f0dcae;border-radius:8px;padding:14px 16px;margin:18px 0;font-size:.92rem}
.faq{margin-top:10px}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;padding:13px 16px;color:var(--navy)}
.faq div{padding:0 16px 14px;color:var(--ink)}
.quote{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:26px;margin:40px 0}
.quote h2{margin:0 0 6px;font-size:1.35rem;color:var(--navy)}
.quote p.sub{color:var(--mut);margin-bottom:18px;font-size:.94rem}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.grid .full{grid-column:1/-1}
label{font-size:.85rem;font-weight:600;color:var(--navy);display:block;margin-bottom:4px}
input,select{width:100%;padding:11px 12px;border:1px solid #c9d4e0;border-radius:7px;font-size:.95rem;background:#fff}
.quote .btn{margin-top:16px;width:100%}
.fine{font-size:.78rem;color:var(--mut);margin-top:10px}
.related{background:var(--bg);border-radius:12px;padding:22px 26px;margin:34px 0}
.related h2{margin:0 0 10px;font-size:1.1rem;color:var(--navy)}
.related ul{margin:0;padding-left:20px;columns:2;gap:30px}
.related li{margin-bottom:8px}
.calc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:24px;margin:20px 0}
.calc .row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.calc output,.calc .result{display:block;margin-top:16px;font-size:1.05rem}
.result b{font-size:1.6rem;color:var(--navy)}
.result small{color:var(--mut)}
footer{background:var(--navy);color:#c9d7e8;margin-top:50px;padding:38px 0 26px;font-size:.9rem}
.fcols{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-bottom:26px}
.fcols h4{color:#fff;font-size:.95rem;margin-bottom:10px}
.fcols a{display:block;color:#c9d7e8;text-decoration:none;margin-bottom:7px}
.fcols a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.15);padding-top:18px;font-size:.78rem;line-height:1.6;color:#9fb2c8}
@media(max-width:760px){.grid,.calc .row,.fcols{grid-template-columns:1fr}.related ul{columns:1}.hero h1{font-size:1.6rem}}