:root{--navy:#1b2a4e;--orange:#f28c1b;--light:#f5f7fb;--text:#2b3245}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);line-height:1.6}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.top{position:sticky;top:0;background:#fff;box-shadow:0 2px 10px rgba(0,0,0,.06);z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand img{height:56px;display:block}
nav a{margin-left:22px;color:var(--navy);text-decoration:none;font-weight:600}
nav a:hover{color:var(--orange)}
.btn{display:inline-block;background:var(--orange);color:#fff!important;padding:12px 24px;border-radius:30px;text-decoration:none;font-weight:700;border:0;cursor:pointer;font-size:1rem}
.btn.small{padding:8px 18px}.btn.ghost{background:transparent;border:2px solid #fff}
.hero{background:linear-gradient(135deg,var(--navy),#2c4580);color:#fff;padding:90px 0}
.hero h1{font-size:2.6rem;line-height:1.2;margin:16px 0}.hero h1 span{color:var(--orange)}
.lead{font-size:1.2rem;max-width:720px;opacity:.95}
.badge{display:inline-block;background:rgba(242,140,27,.2);border:1px solid var(--orange);padding:6px 14px;border-radius:20px;font-size:.9rem}
.cta{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.section{padding:70px 20px}
h2{color:var(--navy);font-size:2rem;margin:0 0 20px;position:relative;padding-bottom:10px}
h2:after{content:"";position:absolute;left:0;bottom:0;width:60px;height:4px;background:var(--orange);border-radius:2px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.checks{list-style:none;padding:0;margin:0}
.checks li{background:var(--light);margin-bottom:10px;padding:14px 16px 14px 44px;border-radius:10px;position:relative;font-weight:600;color:var(--navy)}
.checks li:before{content:"✓";position:absolute;left:16px;color:var(--orange);font-weight:900}
.note{margin-top:24px;border-left:4px solid var(--orange);background:#fff7ee;padding:12px 16px;border-radius:6px}
.band{background:var(--light)}
.intro{max-width:800px}
.cards{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:24px}.cards.three{grid-template-columns:repeat(3,1fr)}
.card,.pill{background:#fff;border-radius:14px;padding:28px;box-shadow:0 6px 20px rgba(27,42,78,.08);border-top:5px solid var(--orange)}
.pill{border-top-color:var(--navy)}
.card h3,.pill h3{color:var(--navy);margin:8px 0 12px}
.tag{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--orange);font-weight:700}
.meta{background:var(--light);padding:10px 14px;border-radius:8px;font-size:.95rem}
.small-note{font-size:.85rem;opacity:.7}
.form{display:grid;gap:14px;background:var(--light);padding:26px;border-radius:14px}
.form label{display:grid;gap:6px;font-weight:600;color:var(--navy)}
.form input,.form select,.form textarea{font:inherit;padding:10px 12px;border:1px solid #cfd6e4;border-radius:8px;background:#fff}
footer{background:var(--navy);color:#dfe5f2;padding:40px 0;font-size:.92rem}
.foot{display:flex;gap:30px;align-items:center;flex-wrap:wrap}
.foot img{height:60px;background:#fff;padding:6px;border-radius:8px}
@media(max-width:820px){
 nav a:not(.btn){display:none}
 .brand img{height:46px}
 .hero{padding:60px 0}.hero h1{font-size:1.8rem}
 .grid2,.cards,.cards.three{grid-template-columns:1fr}
 .section{padding:50px 20px}
}