:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --text:#1f2a37;
  --muted:#5b6777;
  --line:#dbe3ee;
  --primary:#0b63ce;
  --primary-dark:#084d9e;
  --accent:#10b981;
  --shadow:0 12px 30px rgba(15,23,42,.08);
  --radius:18px;
}
*{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:1.6}
a{color:var(--primary);text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1120px,92%);margin:0 auto}
.topbar{background:#0d1b2a;color:#e8eef6;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:10px 0;flex-wrap:wrap}
.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
.header .container{display:flex;align-items:center;justify-content:space-between;padding:16px 0;gap:24px}
.logo{display:flex;align-items:center;gap:12px;font-weight:700;font-size:22px;color:#10233f}
.logo-badge{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--primary),#5ba0ff);color:#fff;display:grid;place-items:center;font-weight:700}
.nav{display:flex;gap:20px;flex-wrap:wrap}
.nav a{color:#24364d;font-weight:600}
.hero{background:linear-gradient(180deg,#f9fbff 0%, #eef5ff 100%);border-bottom:1px solid var(--line)}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:center;padding:56px 0}
.hero-card,.panel,.info-card,.faq-item,.contact-box,.page-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero h1{font-size:44px;line-height:1.12;margin:0 0 18px}
.hero p{font-size:18px;color:var(--muted);margin:0 0 22px}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:18px}
.badge{display:inline-flex;align-items:center;gap:8px;background:#e8f1ff;color:#15437c;border:1px solid #cfe0fb;padding:8px 12px;border-radius:999px;font-size:14px;font-weight:700}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 18px;border-radius:12px;font-weight:700;border:none;cursor:pointer}
.btn-primary{background:var(--primary);color:#fff}
.btn-primary:hover{background:var(--primary-dark)}
.btn-secondary{background:#fff;border:1px solid var(--line);color:#1d3557}
.hero-card{padding:28px}
.form-grid{display:grid;gap:14px}
label{font-weight:700;font-size:14px;color:#20324b}
input,textarea{width:100%;padding:14px 14px;border:1px solid #cfd9e5;border-radius:12px;font:inherit;color:var(--text);background:#fff}
small.help{display:block;color:var(--muted);font-size:13px}
.notice{margin-top:14px;padding:14px;border-radius:12px;background:#f5fbf8;border:1px solid #c7ead9;color:#155a3d;font-size:14px}
section{padding:54px 0}
.section-title{font-size:34px;line-height:1.2;margin:0 0 10px}
.section-sub{color:var(--muted);max-width:760px;margin:0 0 26px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.info-card{padding:24px}
.info-card h3{margin:0 0 10px;font-size:22px}
.info-card p{margin:0;color:var(--muted)}
.steps{counter-reset:step}
.step{position:relative;padding-left:66px}
.step::before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:14px;background:#e7f0ff;color:var(--primary);display:grid;place-items:center;font-weight:700;font-size:18px}
.panel{padding:28px}
.list-clean{margin:0;padding-left:18px}
.list-clean li{margin:8px 0}
.faq-wrap{display:grid;gap:14px}
.faq-item{padding:20px}
.faq-item h3{margin:0 0 8px;font-size:20px}
.faq-item p{margin:0;color:var(--muted)}
.contact-box{padding:24px}
.footer{background:#0f1722;color:#d9e4f2;margin-top:24px}
.footer a{color:#d9e4f2}
.footer .container{padding:34px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:20px}
.muted{color:#6b7788}
.meta{font-size:14px;color:#64748b}
.page-hero{padding:42px 0 16px}
.page-card{padding:28px}
@media (max-width: 900px){.hero .container,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}.hero h1{font-size:34px}.nav{display:none}}