:root{
  --bg:#f4f8ff;
  --surface:#ffffff;
  --surface-soft:#edf5ff;
  --text:#10233f;
  --muted:#586b84;
  --line:#dce7f5;
  --primary:#1769ff;
  --primary-dark:#0c4dcc;
  --accent:#0ea5a8;
  --warning:#8a5a00;
  --shadow:0 18px 50px rgba(34,71,120,.11);
  --radius:26px;
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--text);
  background:
    radial-gradient(circle at 90% 0,rgba(23,105,255,.12),transparent 32rem),
    linear-gradient(180deg,#f7faff 0,#f4f8ff 45%,#fff 100%);
  font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.68;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto}
a{color:var(--primary-dark);text-decoration-thickness:.08em;text-underline-offset:.18em}
a:hover{text-decoration-thickness:.14em}
button,input,select{font:inherit}
button{cursor:pointer}
.skip-link{
  position:absolute;left:-9999px;top:10px;background:#fff;color:#000;padding:10px 14px;
  z-index:999;border-radius:10px
}
.skip-link:focus{left:10px}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(247,250,255,.86);
  backdrop-filter:blur(18px);
  border-bottom:1px solid rgba(220,231,245,.9);
}
.nav{
  min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--text);font-weight:800}
.brand img{width:44px;height:44px;border-radius:12px;box-shadow:0 8px 20px rgba(23,105,255,.2)}
.nav-links{display:flex;align-items:center;gap:20px;font-size:.95rem}
.nav-links a{text-decoration:none;color:var(--text);font-weight:650}
.nav-links a:hover{color:var(--primary)}
.hero{padding:78px 0 48px}
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:56px;align-items:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;padding:8px 13px;border-radius:999px;
  background:#e6f0ff;color:#124fab;font-weight:750;font-size:.9rem
}
h1,h2,h3{line-height:1.16;letter-spacing:-.025em;margin-top:0}
h1{font-size:clamp(2.55rem,6vw,5.25rem);margin:20px 0 22px}
h2{font-size:clamp(1.9rem,3.4vw,3rem);margin-bottom:18px}
h3{font-size:1.3rem}
.lead{font-size:clamp(1.08rem,2vw,1.3rem);color:var(--muted);max-width:720px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  min-height:50px;padding:0 20px;border-radius:15px;border:1px solid transparent;
  font-weight:800;text-decoration:none;transition:.2s ease
}
.btn-primary{background:linear-gradient(135deg,var(--primary),#4c8cff);color:#fff;box-shadow:0 12px 28px rgba(23,105,255,.28)}
.btn-primary:hover{transform:translateY(-1px);color:#fff}
.btn-secondary{background:#fff;color:var(--text);border-color:var(--line)}
.btn-secondary:hover{border-color:#b7cdeb}
.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.trust{
  padding:8px 12px;border:1px solid var(--line);border-radius:999px;background:rgba(255,255,255,.74);
  color:var(--muted);font-size:.9rem
}
.phone-card{
  background:linear-gradient(160deg,#fff,#edf5ff);
  border:1px solid #dbe8f8;border-radius:38px;padding:22px;
  box-shadow:var(--shadow);position:relative;overflow:hidden
}
.phone-card:after{
  content:"";position:absolute;inset:auto -70px -90px auto;width:260px;height:260px;border-radius:50%;
  background:rgba(23,105,255,.12)
}
.phone-top{display:flex;align-items:center;gap:15px;margin-bottom:22px}
.phone-top img{width:70px;height:70px;border-radius:20px}
.phone-title{font-weight:850;font-size:1.25rem}
.phone-sub{color:var(--muted);font-size:.92rem}
.stat-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:18px;margin:12px 0;position:relative;z-index:1}
.stat-label{font-size:.86rem;color:var(--muted);font-weight:700}
.stat-value{font-size:1.7rem;font-weight:900;margin-top:4px}
.progress{height:10px;background:#e9eff8;border-radius:999px;overflow:hidden;margin-top:12px}
.progress span{display:block;height:100%;width:72%;background:linear-gradient(90deg,var(--primary),#5ba2ff);border-radius:inherit}
.section{padding:72px 0}
.section-soft{background:rgba(232,242,255,.62);border-block:1px solid #e0ebf7}
.section-head{max-width:780px;margin-bottom:32px}
.kicker{color:var(--primary-dark);font-weight:850;text-transform:uppercase;letter-spacing:.09em;font-size:.82rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:25px;
  box-shadow:0 12px 35px rgba(30,64,110,.07)
}
.card-icon{
  width:46px;height:46px;display:grid;place-items:center;border-radius:15px;
  background:var(--surface-soft);color:var(--primary);font-weight:900;margin-bottom:16px
}
.card p{color:var(--muted);margin-bottom:0}
.calculator-wrap{display:grid;grid-template-columns:1fr .88fr;gap:28px;align-items:start}
.calculator,.result-panel{
  background:#fff;border:1px solid var(--line);border-radius:30px;padding:28px;box-shadow:var(--shadow)
}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-weight:750;font-size:.93rem}
input,select{
  width:100%;min-height:49px;border:1px solid #cfdceb;border-radius:14px;padding:0 14px;
  color:var(--text);background:#fff;outline:none
}
input:focus,select:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(23,105,255,.12)}
.help{font-size:.82rem;color:var(--muted)}
.form-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.result-panel{position:sticky;top:100px}
.result-empty{color:var(--muted)}
.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:18px}
.result-item{background:var(--surface-soft);border-radius:18px;padding:16px}
.result-item strong{display:block;font-size:1.35rem;margin-top:3px}
.result-note{margin-top:18px;padding:14px;border-radius:16px;background:#fff7e6;color:var(--warning);font-size:.9rem}
.article{max-width:900px}
.article p{color:#324760}
.article ul{padding-left:1.2rem}
.article li{margin:.45rem 0}
.callout{
  border-left:4px solid var(--primary);background:#edf5ff;padding:20px 22px;border-radius:0 18px 18px 0;
  margin:26px 0;color:#25415f
}
.link-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.resource{
  display:flex;justify-content:space-between;gap:20px;padding:18px 20px;background:#fff;
  border:1px solid var(--line);border-radius:18px;text-decoration:none;color:var(--text);font-weight:750
}
.resource:hover{border-color:#abc7ed;transform:translateY(-1px)}
.faq{max-width:900px}
details{
  background:#fff;border:1px solid var(--line);border-radius:18px;margin:12px 0;padding:0 18px;
  box-shadow:0 8px 25px rgba(30,64,110,.05)
}
summary{cursor:pointer;list-style:none;font-weight:800;padding:20px 36px 20px 0;position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:2px;top:16px;font-size:1.55rem;color:var(--primary)}
details[open] summary:after{content:"–"}
details p{margin:0 0 20px;color:var(--muted)}
.site-footer{background:#0f2139;color:#d8e5f4;padding:52px 0 28px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:30px}
.footer-brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:850}
.footer-brand img{width:50px;height:50px;border-radius:14px}
.site-footer a{color:#d8e5f4}
.footer-links{display:flex;flex-direction:column;gap:9px}
.footer-title{font-weight:850;color:#fff;margin-bottom:12px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:22px;font-size:.88rem;color:#9fb2c9}
.legal-hero{padding:62px 0 24px}
.legal-box{
  max-width:900px;background:#fff;border:1px solid var(--line);border-radius:28px;padding:32px;
  box-shadow:var(--shadow)
}
.legal-box h2{font-size:1.55rem;margin-top:34px}
.legal-box p,.legal-box li{color:#354b66}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.notice{padding:16px 18px;border-radius:17px;background:#eef7ff;border:1px solid #d3e7ff;color:#25415f}
@media (max-width:900px){
  .hero-grid,.calculator-wrap{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .result-panel{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
}
@media (max-width:620px){
  .container{width:min(calc(100% - 22px),var(--max))}
  .hero{padding-top:48px}
  .cards,.form-grid,.result-grid,.link-grid,.footer-grid{grid-template-columns:1fr}
  .card,.calculator,.result-panel,.legal-box{padding:21px}
  h1{font-size:2.55rem}
  .brand span{font-size:.94rem}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important}
}