:root{--bg:#f3f8fa;--card:#fff;--ink:#0f2a33;--mut:#4f6c78;--brand:#0b7a8f;--brand2:#064e5c;--btn:#0b7a8f;--ok:#17803f;--warn:#9a6700;--bad:#b3363a;--bd:#d9e6ea;--soft:#e8f4f7;--sh:0 10px 30px rgba(6,78,92,.10);--r:16px}
@media(prefers-color-scheme:dark){:root{--bg:#0a171c;--card:#11242b;--ink:#e8f3f6;--mut:#9db8c1;--bd:#23414b;--brand:#3cbad1;--soft:#14313a;--sh:0 10px 30px rgba(0,0,0,.35)}}
*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:Poppins,system-ui,-apple-system,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink);line-height:1.7;font-size:16px}
img,svg{max-width:100%}a{color:var(--brand)}a:hover{text-decoration:none}
:focus-visible{outline:3px solid #f5b301;outline-offset:2px;border-radius:6px}
.wrap{max-width:1120px;margin:auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:#000;padding:8px 14px;border-radius:8px;z-index:100}.skip:focus{left:8px}
/* header */
header.site{position:sticky;top:0;background:color-mix(in srgb,var(--card) 94%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--bd);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.98rem;text-decoration:none;color:var(--ink);white-space:nowrap}.logo span{color:var(--ink)}.logo b{color:var(--brand);font-weight:700}
header.site nav ul{display:flex;gap:6px;list-style:none;padding:0}
header.site nav a{display:block;text-decoration:none;color:var(--ink);font-size:.93rem;font-weight:500;padding:8px 16px;border-radius:99px}
header.site nav a:hover{background:var(--soft);color:var(--brand)}
header.site nav a[aria-current=page]{background:var(--btn);color:#fff}
#tg{display:none;background:var(--card);border:1px solid var(--bd);border-radius:10px;width:44px;height:44px;place-items:center;color:var(--ink);cursor:pointer}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--btn);color:#fff;font:600 .95rem Poppins,sans-serif;text-decoration:none;border-radius:12px;padding:13px 26px;border:2px solid var(--btn);cursor:pointer;transition:.2s}
.btn:hover{background:var(--brand2);border-color:var(--brand2);color:#fff;transform:translateY(-1px)}
.btn.light{background:#fff;color:#064e5c;border-color:#fff}.btn.light:hover{background:#e8f4f7;color:#064e5c}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}.btn.ghost:hover{background:rgba(255,255,255,.14);color:#fff}
.btn.line{background:transparent;color:var(--brand);border-color:var(--brand)}.btn.line:hover{background:var(--soft);color:var(--brand)}
/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#053f4b 0%,#0b7a8f 100%);color:#fff;padding:56px 0 96px}
.hero:before{content:"";position:absolute;right:-120px;top:-140px;width:460px;height:460px;border-radius:50%;background:rgba(255,255,255,.07)}
.hero:after{content:"";position:absolute;inset:auto 0 0 0;height:60px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'%3E%3Cpath d='M0 30c150 30 300-30 450 0s300 30 450 0 200-20 300 0v30H0z' fill='%23ffffff' fill-opacity='.10'/%3E%3C/svg%3E") center/cover}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(1.9rem,4.6vw,3rem);line-height:1.18;margin-bottom:14px;letter-spacing:-.01em}
.hero p{max-width:640px;opacity:.96;font-size:1.04rem}
.hero-s{padding:34px 0 92px}.hero-s h1{font-size:clamp(1.7rem,4vw,2.5rem)}
.badge{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.25);padding:4px 14px;border-radius:99px;font-size:.78rem;margin-bottom:14px}
.bc{display:flex;gap:8px;font-size:.82rem;opacity:.9;margin-bottom:14px}.bc a{color:#fff;text-decoration:none}.bc a:hover{text-decoration:underline}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hero-home{padding:64px 0 110px}
.hgrid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
.trust{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px;list-style:none;padding:0}.trust li{border:1px solid rgba(255,255,255,.3);border-radius:99px;padding:3px 14px;font-size:.78rem}
.pcard{background:var(--card);color:var(--ink);border-radius:20px;padding:24px;box-shadow:0 24px 60px rgba(0,0,0,.28)}
.pcard .tag{font-size:.74rem;font-weight:600;color:var(--mut);text-transform:uppercase;letter-spacing:.06em}
.pcard .big{font-size:2.1rem;font-weight:700;color:#9a6700;text-align:center;line-height:1.2}
.pcard .sub{font-size:.85rem;color:var(--mut);text-align:center;margin-bottom:12px}
.pcard table{font-size:.85rem;margin-top:6px}.pcard td{padding:7px 4px}.pcard td:last-child{text-align:right;font-weight:600}
/* tool */
.tool{position:relative;background:var(--card);border:1px solid var(--bd);border-radius:22px;padding:30px;margin:-64px auto 36px;box-shadow:0 18px 50px rgba(6,78,92,.16)}
.tool h2{font-size:1.05rem;margin:0 0 12px}.tool h2+.grid{margin-bottom:6px}.tool h2:not(:first-child){margin-top:22px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px}
label{display:block;font-size:.82rem;font-weight:600;margin-bottom:5px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid var(--bd);border-radius:12px;font:inherit;background:var(--bg);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(11,122,143,.35);border-color:var(--brand)}
textarea{min-height:150px;resize:vertical}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{border:1px solid var(--bd);background:var(--bg);color:var(--ink);border-radius:99px;padding:9px 18px;font:500 .86rem Poppins,sans-serif;cursor:pointer;transition:.2s}.chip.on,.chip:hover{background:var(--btn);color:#fff;border-color:var(--btn)}
.row2{display:flex;gap:8px}.row2 select{width:88px;flex:none}
#res{margin-top:24px;padding:22px;border-radius:16px;border:2px solid var(--ok);background:var(--bg);display:none}
#res .n{font-size:2rem;font-weight:700;line-height:1.3}
.gauge{max-width:260px;margin:0 auto;display:block}.gauge path{fill:none;stroke-width:16;stroke-linecap:round}
.note{font-size:.8rem;color:var(--mut);margin-top:12px}
.act{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}.act button{border:1px solid var(--bd);background:var(--card);color:var(--ink);border-radius:10px;padding:9px 16px;font:500 .84rem Poppins,sans-serif;cursor:pointer}.act button:hover{border-color:var(--brand);color:var(--brand)}
details{margin-top:16px;border:1px solid var(--bd);border-radius:12px;padding:12px 16px}summary{cursor:pointer;font-weight:600}
.dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:8px}
/* content */
.sec{padding:34px 0}.sec.alt{background:var(--card);border-block:1px solid var(--bd)}
.sec h2,.prose h2{font-size:clamp(1.4rem,3vw,1.85rem);line-height:1.3;margin:0 0 12px;letter-spacing:-.01em}
.prose h2{margin-top:44px}.prose h3{font-size:1.15rem;margin:26px 0 8px}
.sec p,.prose p,.prose li{margin-bottom:12px}.prose ul,.prose ol,.sec ul,.sec ol{padding-left:22px}
.intro{color:var(--mut);margin-bottom:18px!important;max-width:760px}
.center{text-align:center}.center .intro{margin-inline:auto}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:18px 0}
.c{background:var(--card);border:1px solid var(--bd);border-radius:var(--r);padding:22px;transition:.25s}
.c b{display:block;margin-bottom:4px}.c p{margin:0;font-size:.92rem;color:var(--mut)}
a.c{color:var(--ink);text-decoration:none;display:block}a.c b{color:var(--brand)}a.c:hover{border-color:var(--brand);transform:translateY(-3px);box-shadow:var(--sh)}
.c .ic{font-size:1.7rem;display:block;margin-bottom:6px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px;margin:26px 0 30px;counter-reset:s}
.step{background:var(--card);border:1px solid var(--bd);border-radius:var(--r);padding:26px 22px 22px;position:relative;counter-increment:s}
.step:before{content:counter(s);position:absolute;top:-15px;left:20px;background:var(--btn);color:#fff;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-weight:700}
.step i{font-style:normal;font-size:1.8rem}.step h3{margin:4px 0 6px!important;font-size:1.05rem}.step p{margin:0;font-size:.92rem;color:var(--mut)}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin:0 0 30px}
.stat{background:var(--card);border:1px solid var(--bd);border-radius:var(--r);padding:18px;text-align:center}.stat b{display:block;font-size:1.65rem;color:var(--brand);line-height:1.3}.stat span{font-size:.82rem;color:var(--mut)}
.tiers{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:18px 0}
.tier{border-radius:var(--r);padding:22px;color:#fff}.tier h3{margin:0 0 6px!important;font-size:1.1rem}.tier p{font-size:.9rem;margin:0}.tier.g{background:var(--ok)}.tier.a{background:var(--warn)}.tier.r{background:var(--bad)}
table{width:100%;border-collapse:collapse;font-size:.92rem;background:var(--card)}.tw{overflow-x:auto;border:1px solid var(--bd);border-radius:12px;background:var(--card);margin:6px 0 16px}.pcard .tw{border:0;margin:0}
th{background:var(--soft);font-weight:600}td,th{padding:10px 14px;border-bottom:1px solid var(--bd);text-align:left;white-space:nowrap}tr:last-child td{border-bottom:0}
.toc{background:var(--card);border:1px solid var(--bd);border-radius:var(--r);padding:18px 24px;margin:18px 0}.toc ol{margin:8px 0 0;padding-left:20px;columns:2;font-size:.9rem;list-style:decimal}.toc li{margin-bottom:4px}
h2[id],h3[id]{scroll-margin-top:90px}
.faq{background:var(--card);border:1px solid var(--bd);border-radius:14px;padding:6px 22px;margin-bottom:12px}.faq h3{font-size:1.02rem;margin:14px 0 6px!important}.faq p{margin-bottom:14px}
.closing{margin-top:26px;font-weight:500}
.bar{display:grid;grid-template-columns:160px 1fr 56px;gap:10px;align-items:center;font-size:.86rem;margin:8px 0}.bar div.t{background:var(--bd);border-radius:99px;height:14px;overflow:hidden}.bar div.t i{display:block;height:100%;width:0;border-radius:99px;transition:width 1.2s ease}
.rv{opacity:0;transform:translateY(20px);transition:opacity .7s,transform .7s}.rv.on{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}
.band{background:linear-gradient(135deg,#053f4b,#0b7a8f);color:#fff;border-radius:22px;padding:42px 28px;text-align:center;margin:20px 0 10px}.band h2{color:#fff;margin-bottom:8px}.band p{max-width:560px;margin:0 auto 20px;opacity:.95}
.callout{background:var(--soft);border-left:5px solid var(--brand);padding:16px 20px;border-radius:12px;margin:18px 0}.callout p{margin:0}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
.pg{max-width:820px;margin:auto;padding:44px 20px 20px}.pg h1{font-size:clamp(1.7rem,4vw,2.4rem);line-height:1.25;margin-bottom:8px}.pg .lead{font-size:1.08rem;color:var(--mut);margin-bottom:10px}.pg h2{font-size:1.3rem;margin:30px 0 8px}.pg h3{font-size:1.05rem;margin:18px 0 6px}.pg p,.pg li{margin-bottom:10px}.pg ul{padding-left:22px}
.legal-wrap{background:var(--card);border:1px solid var(--bd);border-radius:20px;margin:36px auto 0;max-width:860px;padding:12px 28px 30px}
/* contact */
.form{background:var(--card);border:1px solid var(--bd);border-radius:20px;padding:28px;box-shadow:var(--sh)}.form .f{margin-bottom:16px}.form .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.msg{display:none;padding:14px 18px;border-radius:12px;margin-bottom:16px;font-weight:500}.msg.ok{display:block;background:#e3f6ea;color:#0f5a2c}.msg.err{display:block;background:#fde8e8;color:#8a1f1f}
.info{display:grid;gap:14px}.info .c{padding:18px}
/* footer */
footer.site{background:#04323c;color:#cfe6eb;padding:50px 0 0;margin-top:60px;font-size:.9rem}footer.site a{color:#fff;text-decoration:none}footer.site a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}.fgrid h4{color:#fff;margin-bottom:12px;font-size:.95rem}.fgrid ul{list-style:none;padding:0}.fgrid li{margin-bottom:8px}.flogo span,.flogo b{color:#fff}.fabout p{margin-top:12px}
.fb{display:flex;gap:6px;flex-wrap:wrap}.fb span{border:1px solid rgba(255,255,255,.3);border-radius:99px;padding:2px 10px;font-size:.72rem}
.fbar{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding:18px 20px;font-size:.8rem}
/* responsive */
@media(max-width:900px){.hgrid,.split{grid-template-columns:1fr}.hero-home{padding-bottom:100px}.pcard{max-width:420px}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){#tg{display:grid}header.site nav ul{display:none;position:absolute;left:0;right:0;top:68px;background:var(--card);flex-direction:column;padding:12px 20px 18px;border-bottom:1px solid var(--bd);box-shadow:0 14px 24px rgba(0,0,0,.08)}header.site nav ul.open{display:flex}header.site nav a{padding:12px 14px}.tool{padding:20px;margin-top:-60px}.toc ol{columns:1}.form .two{grid-template-columns:1fr}.logo{font-size:.88rem}.legal-wrap{padding:6px 18px 22px}}
@media(max-width:560px){.bar{grid-template-columns:112px 1fr 46px;font-size:.78rem}.fgrid{grid-template-columns:1fr}.hero{padding-top:36px}.btn{width:100%;justify-content:center}.hero .cta{flex-direction:column}}

.tagline{color:#fff;font-weight:600;margin-top:14px!important}