:root{--p:#13424b;--pm:#1d6a75;--acc:#f6a821;--acct:#2b2115;--ink:#1d2731;--mut:#5b6b7b;--bg:#f7f9fb;--line:#e4e9ef}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
header{background:var(--p);color:#fff}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:60px;flex-wrap:wrap;gap:8px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.12rem}
.logo span{color:var(--acc)}
nav.menu{display:flex;flex-wrap:wrap;gap:2px}
nav.menu a{color:#e2eaf2;text-decoration:none;padding:8px 10px;border-radius:6px;font-size:.9rem}
nav.menu a:hover{background:rgba(255,255,255,.13);color:#fff}
.crumbs{font-size:.82rem;color:var(--mut);padding:14px 0 0}
.crumbs a{color:var(--pm);text-decoration:none}
.hero{background:linear-gradient(135deg,var(--p),var(--pm));color:#fff;padding:42px 0 38px}
.hero h1{font-size:2rem;line-height:1.22;max-width:760px}
.hero p.lead{margin-top:14px;max-width:700px;color:#dbe7f2;font-size:1.06rem}
.hero .cta{margin-top:22px;display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--acc);color:var(--acct);font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:none;font-size:1rem;cursor:pointer}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.55)}
.trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:.85rem;color:#c8d6e4}
.trust b{color:#fff}
main{padding:34px 0 8px}
article h2{font-size:1.42rem;margin:36px 0 12px;color:var(--p);scroll-margin-top:20px}
article h3{font-size:1.1rem;margin:20px 0 8px;color:var(--p)}
article p{margin:0 0 14px;max-width:78ch}
article ul,article ol{margin:0 0 16px 22px;max-width:76ch}
article li{margin-bottom:7px}
article a{color:var(--pm)}
table{border-collapse:collapse;width:100%;margin:14px 0 20px;font-size:.93rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--bg);color:var(--p)}
.note{background:#fff7e8;border:1px solid #efdcae;border-radius:8px;padding:14px 16px;margin:18px 0;font-size:.92rem}
.warn{background:#fdf0ef;border:1px solid #eec7c2;border-radius:8px;padding:14px 16px;margin:18px 0;font-size:.92rem}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin:6px 0 10px}
.toc b{color:var(--p);font-size:.92rem}
.toc ul{margin:8px 0 0 18px;columns:2;gap:28px;font-size:.92rem}
.toc li{margin-bottom:5px}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;padding:13px 16px;color:var(--p)}
.faq div{padding:0 16px 14px}
.quote{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:26px;margin:40px 0;scroll-margin-top:20px}
.quote h2{margin:0 0 6px;font-size:1.32rem;color:var(--p)}
.quote p.sub{color:var(--mut);margin-bottom:18px;font-size:.94rem}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{font-size:.85rem;font-weight:600;color:var(--p);display:block;margin-bottom:4px}
input,select{width:100%;padding:11px 12px;border:1px solid #c8d3df;border-radius:7px;font-size:.95rem;background:#fff}
.quote .btn{margin-top:16px;width:100%}
.fine{font-size:.78rem;color:var(--mut);margin-top:10px}
.calc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:22px;margin:18px 0}
.calc .row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.result{display:block;margin-top:16px;font-size:1.02rem}
.result b{font-size:1.5rem;color:var(--p)}
.result small{color:var(--mut)}
footer{background:var(--p);color:#cbd8e5;margin-top:50px;padding:36px 0 26px;font-size:.9rem}
.fcols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:24px}
.fcols h4{color:#fff;font-size:.95rem;margin-bottom:10px}
.fcols a{display:block;color:#cbd8e5;text-decoration:none;margin-bottom:7px}
.fcols a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.16);padding-top:18px;font-size:.78rem;line-height:1.6;color:#a4b5c6}
@media(max-width:760px){.grid,.calc .row,.fcols{grid-template-columns:1fr}.toc ul{columns:1}.hero h1{font-size:1.55rem}}