:root{--navy:#0a1f44;--navy2:#0e2a5c;--gold:#c9a227;--gold-soft:#e7cf7a;--ink:#1c2430;--muted:#5a6472;--bg:#fff;--bg-soft:#f6f7fa;--line:#e3e7ee;--radius:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--navy2);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.topbar{background:#061633;color:#cfd8ea;font-size:.86rem}
.topbar .wrap{display:flex;gap:16px;align-items:center;padding:7px 20px;flex-wrap:wrap}
.topbar a{color:var(--gold-soft);font-weight:700}
.topbar .sp{margin-left:auto}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.18)}
.header-in{display:flex;align-items:center;gap:16px;padding:10px 0}
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.brand img{width:136px;height:136px;object-fit:cover;border-radius:50%;background:transparent;padding:0}
.brand .name{font-size:1.45rem;font-weight:700;line-height:1.15}
.brand .tag{font-size:.8rem;color:var(--gold-soft);letter-spacing:.04em}
nav.main{margin-left:auto;display:flex;gap:18px;flex-wrap:wrap;align-items:center}
nav.main a{color:#fff;font-weight:600;font-size:.98rem}
nav.main a:hover{color:var(--gold-soft);text-decoration:none}
.lang{display:flex;gap:6px;align-items:center}
.lang a{border:1px solid rgba(255,255,255,.45);border-radius:999px;padding:4px 11px;font-size:.82rem}
.lang a.on{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:11px 20px;border-radius:999px;border:0;cursor:pointer}
.btn:hover{background:var(--gold-soft);text-decoration:none}
.btn-outline{background:transparent;color:#fff;border:2px solid var(--gold)}
.btn-outline:hover{background:var(--gold);color:var(--navy)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;padding:60px 0 50px}
.hero h1{font-size:2.3rem;line-height:1.2;max-width:740px}
.hero h1 .gold{color:var(--gold)}
.hero p{margin:16px 0 26px;max-width:660px;color:#dde4f2;font-size:1.08rem}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap}
.stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.stat{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.22);border-radius:12px;padding:10px 16px;min-width:150px}
.stat b{display:block;color:var(--gold);font-size:1.18rem}
.stat span{font-size:.84rem;color:#dde4f2}
section.blk{padding:52px 0}
section.soft{background:var(--bg-soft)}
h2.title{color:var(--navy);font-size:1.7rem;margin-bottom:8px}
p.lead{color:var(--muted);max-width:760px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 2px 8px rgba(10,31,68,.05)}
.card h3{color:var(--navy);font-size:1.12rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.97rem}
.card .ico{font-size:1.6rem;margin-bottom:10px}
.formlinks{margin-top:14px;display:flex;gap:10px;flex-wrap:wrap}
.formlinks a{display:inline-block;padding:8px 14px;border-radius:999px;border:2px solid var(--navy);color:var(--navy);font-weight:700;font-size:.88rem}
.formlinks a:hover{background:var(--navy);color:#fff;text-decoration:none}
.formlinks a.primary{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.formlinks a.primary:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.pain{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-top:26px}
.pain div{background:#fff;border-left:4px solid var(--gold);border-radius:8px;padding:14px 16px;box-shadow:0 2px 6px rgba(10,31,68,.06);font-weight:600;color:var(--navy)}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin-top:28px;counter-reset:st}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.step::before{counter-increment:st;content:counter(st);display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;margin-bottom:10px}
.step h3{color:var(--navy);font-size:1.05rem;margin-bottom:6px}
.step p{color:var(--muted);font-size:.95rem}
.freebox{background:var(--navy);color:#fff;border-radius:var(--radius);padding:30px;margin-top:10px}
.freebox h2{color:var(--gold);font-size:1.55rem;margin-bottom:10px}
.freebox p{color:#dde4f2;max-width:760px}
.carriers{margin-top:22px;text-align:center;color:var(--muted);font-weight:600;letter-spacing:.02em}
.faq{max-width:820px;margin-top:22px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.faq p{color:var(--muted);margin-top:8px}
.about-badge{width:210px;height:210px;border-radius:50%;float:right;margin:4px 0 14px 24px;box-shadow:0 6px 22px rgba(10,31,68,.25)}
.legal{max-width:820px}
.legal h1{color:var(--navy);font-size:1.9rem;margin-bottom:4px}
.legal h2{color:var(--navy);font-size:1.15rem;margin:24px 0 6px}
.legal p,.legal li{color:#33404f}
.legal ul{margin:6px 0 6px 22px}
.legal .updated{color:var(--muted);font-size:.95rem;margin-bottom:10px}
.ctafinal{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;text-align:center;padding:52px 0}
.ctafinal h2{font-size:1.8rem;margin-bottom:10px}
.ctafinal p{color:#dde4f2;margin-bottom:22px}
footer.site{background:var(--navy);color:#cfd8ea;padding:40px 0 26px}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:26px}
footer h4{color:#fff;font-size:1rem;margin-bottom:10px}
footer a{color:#cfd8ea}
footer a:hover{color:var(--gold-soft)}
.fine{border-top:1px solid rgba(255,255,255,.18);margin-top:28px;padding-top:16px;font-size:.82rem;color:#9fb0cc}
.fine p{margin-bottom:8px}
@media (max-width:640px){.hero h1{font-size:1.8rem}nav.main{gap:12px;font-size:.9rem}.brand img{width:104px;height:104px}.about-badge{width:150px;height:150px}}