:root{--navy:#0B2350;--navy2:#071735;--steel:#8A96A3;--silver:#D9DEE4;--light:#F4F6F8;--orange:#F26B1D;--text:#1B2433;--r:10px}
*{box-sizing:border-box}body{margin:0;font-family:"Montserrat","Segoe UI",system-ui,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:var(--navy)}img{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy2);color:#cfd6df;font-size:.85rem}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}
header{background:#fff;border-bottom:1px solid var(--silver);position:sticky;top:0;z-index:50}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo img{height:48px;display:block}
nav ul{list-style:none;display:flex;gap:14px;margin:0;padding:0;flex-wrap:wrap}nav a{text-decoration:none;font-weight:600;font-size:.92rem;letter-spacing:.02em}nav a.active,nav a:hover{color:var(--orange)}
.cta-row{display:flex;gap:8px}
.btn{display:inline-block;white-space:nowrap;padding:11px 20px;border-radius:6px;font-weight:700;text-decoration:none;border:2px solid var(--navy);background:var(--navy);color:#fff;cursor:pointer;font-size:.95rem;letter-spacing:.02em}
.btn.alt{background:transparent;color:var(--navy)}.btn.aog{background:var(--orange);border-color:var(--orange);color:#fff}.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}
.hero{background:linear-gradient(120deg,rgba(7,23,53,.97),rgba(11,35,80,.88)),url(assets/logo-dark.jpg) right/contain no-repeat,var(--navy);color:#fff;padding:80px 0 70px}
.hero h1{font-size:clamp(1.9rem,4vw,3rem);line-height:1.15;margin:0 0 16px;max-width:780px;letter-spacing:.01em}.hero p{max-width:640px;color:#d5dce6;font-size:1.1rem}
.kicker{color:var(--orange);font-weight:700;text-transform:uppercase;letter-spacing:.15em;font-size:.8rem}
.search{display:flex;gap:8px;background:#fff;padding:8px;border-radius:var(--r);max-width:640px;margin:26px 0 12px}
.search input{flex:1;border:0;font-size:1rem;padding:10px;font-family:inherit;min-width:0}.search input:focus{outline:2px solid var(--orange)}
section{padding:64px 0}section.alt{background:var(--light)}
h2{color:var(--navy);font-size:clamp(1.5rem,2.6vw,2.1rem);margin:0 0 12px}h3{color:var(--navy);margin:.2em 0 .4em}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--silver);border-top:4px solid var(--navy);border-radius:var(--r);padding:24px}.card.o{border-top-color:var(--orange)}
.trust{background:var(--silver);padding:22px 0}.trust .grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;font-weight:600;color:var(--navy);font-size:.95rem}
.trust .grid>div:before{content:"✔ ";color:var(--orange)}
.steps{counter-reset:s}.steps .card:before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;margin-bottom:8px}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.93rem}th,td{padding:12px 10px;text-align:left;border-bottom:1px solid var(--silver)}th{background:var(--navy);color:#fff;font-weight:600;letter-spacing:.03em}tr:hover td{background:#f8f9fb}
.tablewrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--silver)}
.tag{display:inline-block;padding:2px 9px;border-radius:20px;background:var(--light);border:1px solid var(--silver);font-size:.8rem;font-weight:600}
.notice{background:#FFF4EC;border-left:4px solid var(--orange);padding:12px 16px;border-radius:6px;font-size:.92rem;margin:16px 0}
form .grid{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
label{display:block;font-weight:600;font-size:.88rem;color:var(--navy);margin-bottom:4px}
input,select,textarea{width:100%;padding:10px 12px;border:1px solid #b9c2cc;border-radius:6px;font:inherit;background:#fff}textarea{min-height:110px}
.full{grid-column:1/-1}.check{display:flex;gap:10px;align-items:center;font-weight:700;color:var(--orange)}.check input{width:auto;transform:scale(1.3)}
.result{display:none;background:#EAF6EE;border:1px solid #9fd4b0;padding:18px;border-radius:var(--r);margin-top:18px}.result.show{display:block}
.split{display:grid;grid-template-columns:1fr 1fr;gap:0}.split>div{padding:44px}.split .b{background:var(--navy);color:#fff}.split .b h3{color:#fff}.split .s{background:var(--silver)}
.aogband{background:var(--orange);color:#fff;padding:22px 0}.aogband .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}.aogband strong{font-size:1.2rem}
footer{background:var(--navy2);color:#b9c3d0;padding:48px 0 24px;font-size:.92rem}footer a{color:#fff;text-decoration:none}footer h4{color:#fff;margin:0 0 10px}footer .grid{grid-template-columns:2fr 1fr 1fr 1fr}
.ph{background:#ffe9da;color:#9a3d00;padding:0 4px;border-radius:3px;font-size:.85em}
.legal{border-top:1px solid #23375c;margin-top:30px;padding-top:16px;font-size:.8rem}
.pagehead{background:linear-gradient(120deg,var(--navy2),var(--navy));color:#fff;padding:52px 0}.pagehead h1{margin:0;font-size:clamp(1.7rem,3.5vw,2.5rem)}.pagehead p{color:#d5dce6;max-width:720px;margin:.5em 0 0}
@media(max-width:1400px){nav a{font-size:.85rem}nav ul{gap:10px}}
@media(max-width:1020px){.menu-toggle{display:block}nav{display:none;width:100%}nav.open{display:block}header .wrap{flex-wrap:wrap}nav{order:3}nav ul{flex-direction:column;gap:10px;padding:10px 0}.cta-row .btn.alt{display:none}.split{grid-template-columns:1fr}footer .grid{grid-template-columns:1fr 1fr}}