:root{--n:#0b1b3a;--a:#16c784;--a2:#0ea56c;--t:#1d2433;--m:#5b6475;--b:#e6e9f0;--bg:#f7f9fc}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--t);background:#fff}
a{color:var(--a2)}.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.top{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--b)}
.bar{display:flex;align-items:center;justify-content:space-between;height:64px}.logo{font-weight:800;font-size:1.35rem;text-decoration:none;color:var(--n)}.logo b{color:var(--a)}
nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:12px 20px;border-bottom:1px solid var(--b)}nav.open{display:flex}
nav a{color:var(--t);text-decoration:none;padding:10px 0;font-weight:500}nav a[aria-current]{color:var(--a2)}.menu{font-size:1.5rem;background:none;border:0;cursor:pointer}
.btn{display:inline-block;background:var(--a);color:#04210f;font-weight:700;padding:14px 26px;border-radius:999px;text-decoration:none;border:0;font-size:1rem;cursor:pointer;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(22,199,132,.35)}.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}nav .btn.sm{padding:10px 18px;color:#04210f;text-align:center}
.hero{background:radial-gradient(circle at 80% 0,#1e3a8a 0,var(--n) 60%);color:#fff;padding:72px 0 80px}.hero.small{padding:56px 0}
.hero h1{font-size:clamp(2rem,5vw,3.4rem);line-height:1.1;margin:0 0 16px;max-width:820px}.lead{font-size:1.15rem;opacity:.9;max-width:720px}.hero a:not(.btn){color:#8ff0c6}.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
section{margin:56px auto}main>section.hero{margin:0}h2{font-size:clamp(1.5rem,3vw,2rem);color:var(--n);line-height:1.2}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.card{border:1px solid var(--b);border-radius:16px;padding:22px;background:#fff;transition:box-shadow .2s}.card:hover{box-shadow:0 10px 30px rgba(11,27,58,.08)}.card h3{margin:0 0 6px;color:var(--n)}
.steps{list-style:none;padding:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.steps li{background:var(--bg);border-radius:16px;padding:20px}.steps h3{margin:0 0 4px;color:var(--a2)}
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;text-align:center}.trust div{padding:18px;border-radius:14px;background:var(--bg)}.trust strong{display:block;font-size:1.5rem;color:var(--n)}.trust span{color:var(--m);font-size:.9rem}
.prose{max-width:820px}.faq details{border-bottom:1px solid var(--b);padding:14px 0}.faq summary{font-weight:600;cursor:pointer;color:var(--n)}
.band{background:var(--n);color:#fff;text-align:center;padding:56px 0;margin-bottom:0}.band h2{color:#fff}
.form{max-width:760px;background:#fff;border:1px solid var(--b);border-radius:20px;padding:28px;box-shadow:0 20px 50px rgba(11,27,58,.08)}.form label{display:block;font-weight:600;font-size:.92rem;margin-bottom:14px}
.form input,.form select{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1px solid #cfd5e1;border-radius:10px;font:inherit}.form input:focus,.form select:focus{outline:2px solid var(--a);border-color:var(--a)}
.row{display:grid;gap:0 16px}.check{display:flex!important;gap:10px;font-weight:400!important;font-size:.85rem!important;color:var(--m)}.check input{width:auto;margin-top:4px}.hp{position:absolute;left:-9999px}
.muted{color:var(--m)}.small{font-size:.85rem}.ph{background:#fff3cd;color:#7a5600;padding:0 4px;border-radius:4px}
footer{background:#081430;color:#c7cede;padding:48px 0 24px;font-size:.92rem}footer a{color:#c7cede;display:block;text-decoration:none;padding:3px 0}footer h2{color:#fff;font-size:1rem}footer .logo{color:#fff;display:inline}.cols{display:grid;gap:24px}.disc{font-size:.8rem;opacity:.8}.disc a{display:inline;text-decoration:underline}
@media(min-width:720px){.row{grid-template-columns:1fr 1fr}.cols{grid-template-columns:2fr 1fr 1fr}}
@media(min-width:1000px){.menu{display:none}nav{display:flex;position:static;flex-direction:row;gap:18px;padding:0;border:0;background:none;align-items:center}nav a{font-size:.92rem}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}
.pf-head{margin-bottom:8px}.pbar{height:8px;background:var(--b);border-radius:99px;overflow:hidden;margin:18px 0 10px}.pbar span{display:block;height:100%;width:20%;background:linear-gradient(90deg,var(--a),var(--a2));transition:width .35s}
.psteps{display:none;list-style:none;padding:0;margin:0 0 6px;gap:6px;font-size:.78rem;color:var(--m)}.psteps li{flex:1;text-align:center}.psteps li.on{color:var(--n);font-weight:700}.psteps li.done{color:var(--a2)}
@media(min-width:720px){.psteps{display:flex}}.pcount{font-size:.85rem;color:var(--m);margin:0 0 10px}
.pf fieldset{border:0;padding:0;margin:0;min-width:0}.pf .step>legend{font-size:1.35rem;font-weight:800;color:var(--n);margin-bottom:14px;padding:0}
.ym legend{font-weight:600;font-size:.92rem;margin-bottom:6px}.ym{margin-bottom:4px}.sub{font-size:1.05rem;margin:18px 0 10px;color:var(--n)}
.inp{display:block;position:relative}.inp.money input{padding-left:28px}.pfx{position:absolute;left:12px;top:50%;transform:translateY(-35%);color:var(--m);font-weight:400}
.cond{border-left:3px solid var(--a);padding:6px 0 2px 14px;margin:4px 0 12px;animation:fi .25s}@keyframes fi{from{opacity:0;transform:translateY(-4px)}to{opacity:1}}
.note{font-size:.88rem;color:var(--m);margin:0 0 10px}.arow{border-bottom:1px dashed var(--b);margin-bottom:8px}.prop{background:var(--bg);border-radius:12px;padding:12px 14px;margin-bottom:12px}.prop h4{margin:0 0 8px}
.seg{display:flex;gap:10px;margin-bottom:14px}.seg label{display:flex;align-items:center;gap:8px;border:1px solid #cfd5e1;border-radius:999px;padding:10px 20px;cursor:pointer;margin:0}.seg input{width:auto;margin:0}.seg label:has(input:checked){border-color:var(--a);background:#e9fbf3}
.ghost2{background:#fff;color:var(--n);border:2px solid var(--b)}.ghost2:hover{box-shadow:none;border-color:var(--a)}
.pnav{display:flex;justify-content:space-between;gap:12px;margin-top:18px}.pnav #pnext,.pnav #psubmit{margin-left:auto}
.form label.bad input,.form label.bad select{border-color:#e5484d;background:#fff5f5}.form label.bad{color:#b42318}.perr{color:#b42318;font-weight:600;margin:10px 0 0}
.ack{background:var(--bg);border-radius:12px;padding:12px;color:var(--t)!important;font-size:.9rem!important}
@media(max-width:719px){.form.pf{padding:20px 16px}.pnav .btn{flex:1;text-align:center}}
.stepper{position:sticky;top:64px;z-index:3;background:#fff;margin:0 -28px 18px;padding:12px 28px 4px;border-bottom:1px solid var(--b)}
.psteps{display:flex!important;list-style:none;padding:0;margin:0 0 10px;gap:6px}.psteps li{flex:1;display:flex;flex-direction:column;align-items:center;gap:4px;font-size:.8rem;color:#9aa3b2;text-align:center;line-height:1.2}
.psteps li b{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;border:2px solid #d5dae4;background:#fff;font-size:.9rem;color:#9aa3b2;transition:all .2s}
.psteps li.on{color:var(--n);font-weight:800}.psteps li.on b{background:var(--a);border-color:var(--a);color:#04210f;box-shadow:0 0 0 5px rgba(22,199,132,.22);transform:scale(1.08)}
.psteps li.done{color:var(--a2);font-weight:600}.psteps li.done b{background:#e9fbf3;border-color:var(--a);color:transparent;position:relative}.psteps li.done b::after{content:"✓";color:var(--a2);position:absolute;font-size:1rem}
.psteps .sm{display:none}.pbar{margin:0 0 6px!important}
@media(max-width:719px){.stepper{top:64px;margin:0 -16px 14px;padding:10px 16px 2px}.psteps .lg{display:none}.psteps .sm{display:block;font-size:.7rem}.psteps li b{width:28px;height:28px}}
.next{background:var(--bg);border:1px solid var(--b);border-radius:14px;padding:14px 18px;margin:12px 0 16px}.next h3{margin:0 0 8px;font-size:1rem;color:var(--n)}.next ol{margin:0;padding-left:20px;font-size:.92rem}.next li{margin:4px 0}
.btn.alt{background:#fff;color:var(--n);border:2px solid var(--a)}.btn.alt:hover{box-shadow:0 8px 24px rgba(11,27,58,.15)}
.band .btn+.btn.alt,.ctas .btn.alt{margin-left:0}.band .btn.alt{margin-left:10px}
@media(min-width:960px){nav .btn.sm.alt{padding:10px 14px}}
@media(max-width:600px){.band .btn.alt{margin:10px 0 0}}
.ptrack{position:relative;margin-bottom:6px}.pline,.pfill{position:absolute;top:15px;left:10%;height:4px;border-radius:4px;z-index:0}
.pline{right:10%;background:#dfe3ea}.pfill{width:0;background:var(--a);transition:width .4s ease}
.ptrack .psteps{position:relative;z-index:1;margin:0}.psteps li b{position:relative;z-index:1}
@media(max-width:719px){.pline,.pfill{top:13px}}
[hidden]{display:none!important}
.pfwrap .stepper{max-width:760px;margin:0 0 16px;padding:16px 24px 10px;background:#fff;border:1px solid var(--b);border-radius:16px;box-shadow:0 10px 30px rgba(11,27,58,.10);top:72px}
.pfwrap .psteps li{font-size:.9rem;color:#8a93a3}.pfwrap .psteps li b{width:42px;height:42px;font-size:1.05rem;border-width:3px}
.pfwrap .pline,.pfwrap .pfill{top:20px;height:6px}.pfwrap .psteps li.on{color:var(--n)}.pfwrap .psteps li.on b{box-shadow:0 0 0 6px rgba(22,199,132,.25)}
.pfwrap .pcount{text-align:center;font-weight:700;color:var(--n);margin:8px 0 0}
@media(max-width:719px){.pfwrap .stepper{padding:12px 12px 8px;top:70px}.pfwrap .psteps li b{width:34px;height:34px;font-size:.95rem}.pfwrap .pline,.pfwrap .pfill{top:16px;height:5px}.pfwrap .psteps .sm{font-size:.72rem}}

.rcwrap{margin:14px 0}.rcerr{color:#b00020;margin:6px 0 0}