:root {
  --navy: #071b3d;
  --blue: #0046a8;
  --red: #d80a2e;
  --ice: #eef5ff;
  --mist: #f5f7fa;
  --ink: #13213a;
  --muted: #5f6d82;
  --white: #ffffff;
  --line: #dce3ec;
  --shadow: 0 18px 55px rgba(7, 27, 61, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font: 16px/1.65 Arial, Helvetica, sans-serif;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
img { max-width: 100%; }
.wrap { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.skip { position: fixed; left: 12px; top: -80px; z-index: 100; background: var(--white); padding: 12px 16px; }
.skip:focus { top: 12px; }

.topbar { background: var(--navy); color: var(--white); font-size: .9rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 24px; padding: 8px 0; }
.topbar a { text-decoration: none; }
.header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(10px); }
.header .wrap { min-height: 74px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { text-decoration: none; display: flex; align-items: center; gap: 13px; font-weight: 700; color: var(--navy); }
.brand-mark { display: grid; place-items: center; width: 48px; height: 48px; color: var(--white); background: var(--blue); font-size: 1.1rem; letter-spacing: -.05em; }
.brand-logo { display: block; width: 48px; height: 48px; object-fit: contain; flex: 0 0 auto; }
.brand-text small { display: block; color: var(--muted); font-size: .76rem; font-weight: 600; line-height: 1.2; }
.nav { display: flex; align-items: center; gap: 24px; }
.nav a { text-decoration: none; font-weight: 700; font-size: .92rem; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 48px; padding: 11px 20px; border: 0; border-radius: 3px; background: var(--red); color: var(--white); font-weight: 700; text-decoration: none; box-shadow: 0 8px 22px rgba(216,10,46,.18); }
.btn.secondary { background: var(--white); color: var(--navy); border: 1px solid var(--line); box-shadow: none; }
.btn:hover, .btn:focus-visible { transform: translateY(-1px); }

.hero { overflow: hidden; background: linear-gradient(112deg, var(--navy) 0 61%, #0a3574 61% 100%); color: var(--white); }
.hero-grid { min-height: 610px; display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 64px; padding: 72px 0; }
.eyebrow { margin: 0 0 14px; color: #9dc8ff; font-weight: 700; text-transform: uppercase; letter-spacing: .11em; font-size: .78rem; }
h1 { max-width: 780px; margin: 0; font-size: clamp(2.5rem, 5.2vw, 5rem); line-height: 1.02; letter-spacing: -.045em; }
.hero h1 span { display: block; color: #a8ceff; }
.lead { max-width: 670px; margin: 24px 0 28px; color: #dce9fa; font-size: 1.18rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.trust { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 32px; color: #c9daf0; font-size: .9rem; }
.trust span::before { content: "✓"; color: #7db6ff; margin-right: 7px; font-weight: 800; }
.hero-card { position: relative; padding: 34px; background: var(--white); color: var(--ink); box-shadow: var(--shadow); }
.hero-card::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 6px; background: var(--red); }
.hero-card .big { margin: 0; color: var(--red); font: 700 clamp(3.4rem, 7vw, 5.5rem)/1 Arial; }
.hero-card h2 { margin: 6px 0 10px; font-size: 1.55rem; }
.hero-card p { margin: 0; color: var(--muted); }
.hero-card .calc { margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line); font-weight: 700; color: var(--navy); }

section { padding: 90px 0; }
.section-kicker { color: var(--red); font-weight: 800; text-transform: uppercase; letter-spacing: .1em; font-size: .78rem; }
.section-title { max-width: 780px; margin: 7px 0 18px; color: var(--navy); font-size: clamp(2rem, 4vw, 3.25rem); line-height: 1.12; letter-spacing: -.035em; }
.section-intro { max-width: 760px; color: var(--muted); font-size: 1.08rem; }
.problem { background: var(--mist); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 42px; counter-reset: step; }
.step { position: relative; padding: 30px; background: var(--white); border-top: 4px solid var(--blue); box-shadow: 0 12px 30px rgba(7,27,61,.06); counter-increment: step; }
.step::before { content: "0" counter(step); display: block; margin-bottom: 30px; color: #a9b9cf; font-weight: 800; font-size: .78rem; letter-spacing: .12em; }
.step h3, .card h3 { margin: 0 0 10px; color: var(--navy); font-size: 1.25rem; line-height: 1.25; }
.step p, .card p { margin: 0; color: var(--muted); }
.split { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
.sticky { position: sticky; top: 112px; }
.cards { display: grid; gap: 16px; }
.card { padding: 28px; border: 1px solid var(--line); background: var(--white); }
.card-label { color: var(--red); font-weight: 800; font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; }
.card h3 { margin-top: 8px; }
.comparison { background: var(--navy); color: var(--white); }
.comparison .section-title { color: var(--white); }
.comparison .section-intro { color: #bdcde3; }
.table-wrap { margin-top: 38px; overflow-x: auto; }
table { width: 100%; min-width: 680px; border-collapse: collapse; background: var(--white); color: var(--ink); }
th, td { padding: 18px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { color: var(--navy); background: var(--ice); }
td:first-child { font-weight: 700; color: var(--navy); }
.audiences { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 40px; }
.audience { min-height: 160px; padding: 24px; background: var(--ice); border-bottom: 3px solid var(--blue); }
.audience strong { display: block; color: var(--navy); font-size: 1.1rem; }
.audience span { display: block; margin-top: 8px; color: var(--muted); }
.costs { background: var(--mist); }
.cost-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 38px; }
.cost-item { padding: 26px; background: var(--white); }
.cost-item strong { display: block; color: var(--navy); font-size: 1.1rem; }
.cost-item span { color: var(--muted); }
.note { margin-top: 24px; padding: 18px 20px; border-left: 4px solid var(--red); background: #fff; color: var(--muted); }
.faq-list { max-width: 880px; margin-top: 34px; }
details { border-top: 1px solid var(--line); }
details:last-child { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; list-style: none; padding: 22px 44px 22px 0; color: var(--navy); font-weight: 800; font-size: 1.06rem; position: relative; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 8px; top: 18px; color: var(--red); font-size: 1.5rem; }
details[open] summary::after { content: "−"; }
details p { margin: -4px 0 22px; color: var(--muted); }
.contact { background: linear-gradient(120deg, #eef5ff, #fff); }
.contact-box { display: grid; grid-template-columns: 1.1fr .9fr; gap: 60px; align-items: center; padding: 50px; background: var(--white); box-shadow: var(--shadow); border-left: 7px solid var(--red); }
.contact-box h2 { margin: 0 0 14px; color: var(--navy); font-size: clamp(2rem, 4vw, 3rem); line-height: 1.12; }
.contact-box p { color: var(--muted); }
.contact-data { display: grid; gap: 13px; }
.contact-data a { color: var(--navy); font-weight: 800; text-decoration: none; font-size: 1.08rem; }
.contact-data small { color: var(--muted); }
.footer { padding: 44px 0 92px; background: var(--navy); color: #c5d3e6; }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 32px; align-items: end; }
.footer strong { color: var(--white); }
.footer-nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer a { color: var(--white); }
.legal { max-width: 850px; padding: 70px 0; }
.legal h1 { color: var(--navy); font-size: clamp(2.3rem, 5vw, 4rem); }
.legal h2 { margin-top: 38px; color: var(--navy); }
.legal h3 { color: var(--navy); }
.legal p, .legal li { color: var(--muted); }
.legal a { color: var(--blue); }
.mobile-cta { display: none; }

@media (max-width: 900px) {
  .nav > a:not(.btn) { display: none; }
  .hero-grid, .split, .contact-box { grid-template-columns: 1fr; }
  .hero-grid { gap: 36px; min-height: auto; }
  .steps, .cost-grid { grid-template-columns: 1fr; }
  .audiences { grid-template-columns: 1fr 1fr; }
  .sticky { position: static; }
  .contact-box { padding: 34px; gap: 28px; }
}
@media (max-width: 600px) {
  .wrap { width: min(100% - 28px, 1160px); }
  .topbar .wrap { justify-content: center; }
  .topbar .region { display: none; }
  .header .wrap { min-height: 66px; }
  .brand-text { font-size: .88rem; }
  .brand-mark { width: 42px; height: 42px; }
  .brand-logo { width: 42px; height: 42px; }
  .nav .btn { display: none; }
  .hero { background: linear-gradient(150deg, var(--navy), #0b387a); }
  .hero-grid { padding: 54px 0; }
  h1 { font-size: 2.55rem; }
  .lead { font-size: 1.05rem; }
  section { padding: 68px 0; }
  .audiences { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .mobile-cta { position: fixed; z-index: 30; display: grid; grid-template-columns: 1fr 1fr; left: 0; right: 0; bottom: 0; background: var(--white); box-shadow: 0 -8px 25px rgba(7,27,61,.15); }
  .mobile-cta a { min-height: 56px; display: grid; place-items: center; text-decoration: none; font-weight: 800; color: var(--navy); border-right: 1px solid var(--line); }
  .mobile-cta a:last-child { color: var(--white); background: var(--red); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}