:root{--ink:#14213d;--muted:#4a5468;--bg:#f7f8fb;--card:#fff;--accent:#1857c4;--accent2:#e8f0fe;--line:#dfe4ee;--r:16px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--accent)}a:hover{text-decoration:none}.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
:focus-visible{outline:3px solid #f0a500;outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:99}.skip:focus{left:10px}
header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:72px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.brand{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);line-height:1.2}
.brand .b1{font-weight:800;font-size:19px}.brand .b2{font-weight:800;font-size:19px}.brand .ph{font-weight:700;font-size:15px;color:var(--ink)}
.brand .ph a{color:var(--ink);text-decoration:none}
nav.main ul{display:flex;gap:18px;list-style:none;margin:0;padding:0;flex-wrap:wrap}nav.main a{color:var(--ink);font-weight:600;text-decoration:none;font-size:15px}nav.main a:hover,nav.main a[aria-current]{color:var(--accent);text-decoration:underline}
.btn{display:inline-block;background:var(--accent);color:#fff;border:0;border-radius:12px;padding:13px 20px;font-weight:700;font-size:16px;cursor:pointer;text-decoration:none;text-align:center}
.btn:hover{background:#0f3f94}.btn.ghost{background:#fff;color:var(--accent);border:2px solid var(--accent)}
.hero{padding:56px 0 48px;background:linear-gradient(180deg,#fff,var(--bg))}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
h1{font-size:44px;line-height:1.12;margin:0 0 16px;letter-spacing:-.02em}h2{font-size:30px;line-height:1.2;margin:0 0 10px}h3{line-height:1.3}
.lead{font-size:19px;color:var(--muted);max-width:560px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 8px 26px rgba(20,33,61,.06)}
a.card{display:block;color:var(--ink);text-decoration:none}a.card:hover{border-color:var(--accent)}
form label{display:block;font-size:14px;font-weight:600;margin:12px 0 4px}
input[type=text],input[type=tel],input[type=email],input[type=number],select,textarea{width:100%;padding:12px 14px;border:1px solid #8a94a8;border-radius:10px;font-size:16px;font-family:inherit;background:#fff;color:var(--ink)}
fieldset{border:0;padding:0;margin:12px 0 0}legend{font-size:14px;font-weight:600;margin-bottom:4px}.inl{display:inline-flex!important;gap:6px;align-items:center;font-weight:500!important;margin:4px 16px 4px 0!important}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-size:13px!important;font-weight:400!important;color:var(--muted);margin:16px 0!important}.consent input{margin-top:3px;width:20px;height:20px;flex:none}
.note{font-size:13px;color:var(--muted)}form .btn{width:100%;margin-top:6px}
section{padding:56px 0}.sub{color:var(--muted);margin:0 0 26px;max-width:680px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.ico{width:44px;height:44px;border-radius:12px;background:var(--accent2);color:var(--accent);display:grid;place-items:center;font-weight:800;margin-bottom:12px}
.card h3{margin:0 0 6px;font-size:18px}.card p{margin:0;color:var(--muted)}
.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:10px}summary{font-weight:700;cursor:pointer}details p{color:var(--muted);margin:10px 0 0}
.prose{max-width:760px}.prose h2{font-size:24px;margin-top:32px}.prose li{margin:6px 0}
.disclose{background:var(--accent2);border-radius:12px;padding:14px 16px;font-size:14px;color:var(--ink)}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}.out{font-size:42px;font-weight:800;color:var(--accent);margin:6px 0}
.line{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:9px 0}.line.tot{font-weight:800;border:0}
.about{display:grid;grid-template-columns:340px 1fr;gap:36px;align-items:start}
footer{background:var(--ink);color:#d5dbe8;padding:44px 0 28px;font-size:14px}footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}footer h2{color:#fff;font-size:16px;margin:0 0 10px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:5px 0}
.fbrand{font-size:18px;font-weight:800;color:#fff}.eho{display:flex;gap:12px;align-items:center;margin-top:16px}.eho svg{width:52px;height:52px;flex:none}.hlogo{background:#000;border-radius:10px;padding:8px 12px;display:inline-flex}.hlogo img{display:block;width:190px;height:auto}
.fband{background:#000;margin:-44px 0 32px;padding:20px 0;border-bottom:4px solid #c9a227}.fband img{display:block;max-width:100%;height:auto}
.idcard{background:#000;color:#e6e6e6;border-radius:var(--r);border-top:4px solid #c9a227;padding:24px}.idcard img{width:100%;max-width:476px;height:auto;display:block;margin-bottom:16px}.idcard p{margin:8px 0}.idcard .n{color:#fff;font-weight:800;font-size:18px}.idcard a{color:#f2d27a}
.fine{border-top:1px solid #34436a;margin-top:26px;padding-top:16px;font-size:13px;color:#c3cbdc}
.hp{position:absolute;left:-9999px}
@media(max-width:860px){.hero .wrap,.calc,.about,.grid2{grid-template-columns:1fr}.grid3{grid-template-columns:1fr 1fr}h1{font-size:34px}footer .cols{grid-template-columns:1fr}header.top{position:static}}
@media(max-width:540px){.grid3,.row2{grid-template-columns:1fr}h1{font-size:30px}section{padding:40px 0}.wrap{padding:0 16px}nav.main ul{gap:12px}nav.main a{font-size:14px}.brand .b1,.brand .b2{font-size:17px}}