:root {
  --bg: #f6f8fb;
  --panel: #ffffff;
  --text: #172033;
  --muted: #5d6679;
  --line: #dfe6f0;
  --brand: #15294b;
  --brand2: #2d5b99;
  --soft: #eaf1fb;
  --ok: #0f766e;
  --warn: #b45309;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.62;
}
a { color: var(--brand2); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { width: min(1120px, calc(100% - 36px)); margin: 0 auto; }
.topbar {
  background: var(--brand);
  color: #fff;
  font-size: 14px;
  padding: 8px 0;
}
.topbar .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 72px; }
.logo { font-weight: 800; color: var(--brand); font-size: 22px; letter-spacing: -.2px; }
.logo span { display:block; font-size:12px; font-weight:600; color:var(--muted); letter-spacing: .3px; }
.menu { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; font-size: 15px; }
.menu a { color: var(--text); font-weight: 600; }
.hero {
  padding: 76px 0 54px;
  background:
    radial-gradient(circle at 15% 20%, rgba(45,91,153,.16), transparent 28%),
    linear-gradient(135deg, #fff 0%, #eef4fc 100%);
  border-bottom: 1px solid var(--line);
}
.hero-grid { display: grid; grid-template-columns: 1.35fr .65fr; gap: 36px; align-items: center; }
.eyebrow { color: var(--brand2); font-weight: 800; text-transform: uppercase; font-size: 13px; letter-spacing: .8px; }
h1, h2, h3 { line-height: 1.22; color: var(--brand); }
h1 { font-size: clamp(34px, 4vw, 54px); margin: 12px 0 18px; }
h2 { font-size: clamp(26px, 3vw, 36px); margin: 0 0 18px; }
h3 { font-size: 22px; margin: 24px 0 10px; }
.lead { font-size: 20px; color: var(--muted); max-width: 760px; }
.actions { display:flex; gap:12px; flex-wrap:wrap; margin-top:24px; }
.btn {
  display:inline-flex; align-items:center; justify-content:center;
  padding: 12px 18px; border-radius: 12px; font-weight: 800;
  border: 1px solid var(--brand); background: var(--brand); color:#fff;
}
.btn.secondary { background:#fff; color: var(--brand); }
.btn:hover { text-decoration:none; filter: brightness(.98); }
.card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 24px;
  box-shadow: 0 10px 28px rgba(21,41,75,.06);
}
.price { font-size: 46px; font-weight: 900; color: var(--brand); margin: 6px 0; }
.badge {
  display:inline-block; padding: 6px 10px; border-radius: 999px;
  background: var(--soft); color: var(--brand); font-weight: 800; font-size: 13px;
}
.section { padding: 56px 0; }
.grid-3 { display:grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.grid-2 { display:grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.step {
  display:flex; gap: 14px; align-items:flex-start;
  padding: 18px; border-radius: 16px; background:#fff; border:1px solid var(--line);
}
.num {
  flex: 0 0 34px; width:34px; height:34px; border-radius: 50%;
  background: var(--brand); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:900;
}
.notice {
  border-left: 4px solid var(--brand2);
  background: #fff;
  padding: 16px 18px;
  border-radius: 12px;
  border-top:1px solid var(--line); border-right:1px solid var(--line); border-bottom:1px solid var(--line);
}
.warn { border-left-color: var(--warn); background:#fffaf2; }
.ok { border-left-color: var(--ok); background:#f0fdfa; }
.content {
  background:#fff; border:1px solid var(--line); border-radius:18px; padding: 32px;
}
.content h1 { font-size: 38px; margin-top: 0; }
.content h2 { font-size: 28px; margin-top: 34px; }
.content h3 { font-size: 22px; margin-top: 26px; }
.content ul { padding-left: 22px; }
.legal-list {
  display:grid; grid-template-columns: repeat(2,1fr); gap: 14px;
}
.legal-list a {
  background:#fff; border:1px solid var(--line); border-radius: 14px; padding: 16px; font-weight: 800; color: var(--brand);
}
.footer {
  background: var(--brand);
  color: #dfe9f7;
  margin-top: 56px;
  padding: 42px 0 24px;
}
.footer h3, .footer h2 { color:#fff; }
.footer a { color:#fff; }
.footer-grid { display:grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 24px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.16); margin-top: 26px; padding-top: 18px; font-size: 13px; color:#bdc9dc; }
.small { font-size: 14px; color: var(--muted); }
.footer .small { color:#bdc9dc; }
.table { width:100%; border-collapse: collapse; margin: 16px 0; }
.table th, .table td { border:1px solid var(--line); padding: 10px; text-align:left; vertical-align:top; }
.table th { background: var(--soft); color: var(--brand); }
@media (max-width: 860px) {
  .hero-grid, .grid-3, .grid-2, .footer-grid, .legal-list { grid-template-columns: 1fr; }
  .nav { align-items:flex-start; flex-direction: column; padding: 14px 0; }
  .menu { gap: 10px 14px; }
  .hero { padding-top: 44px; }
}