@font-face{font-family:Montserrat;src:url(assets/fonts/Montserrat-Regular.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:Montserrat;src:url(assets/fonts/Montserrat-SemiBold.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:Montserrat;src:url(assets/fonts/Montserrat-Bold.woff2) format("woff2");font-weight:700;font-display:swap}
:root{--navy:#14263E;--navy2:#1d3555;--silver:#99A1AD;--mist:#F3F4F6;--line:#E2E5EA;--text:#2A3442}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Montserrat,system-ui,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:var(--navy)}img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:99}
header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav img{height:56px;width:auto}
.nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0;align-items:center}
.nav ul a{text-decoration:none;font-weight:600;font-size:.9rem;letter-spacing:.02em}
.btn{display:inline-block;background:var(--navy);color:#fff!important;padding:14px 26px;border-radius:2px;text-decoration:none;font-weight:600;letter-spacing:.04em;border:1px solid var(--navy);cursor:pointer;font:inherit;font-weight:600}
.btn:hover{background:var(--navy2)}.btn.ghost{background:transparent;border-color:#fff}
.nav .btn{padding:10px 18px}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#0e1b2d 100%);color:#fff;padding:120px 0 110px}
.eyebrow{text-transform:uppercase;letter-spacing:.2em;font-size:.78rem;color:var(--silver);font-weight:600;margin:0 0 14px}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 16px}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.6rem);max-width:780px}
.hero p.lead{font-size:1.15rem;max-width:620px;color:#d5d9df}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
.rule{width:56px;height:2px;background:var(--silver);margin:0 0 22px}
section{padding:96px 0}section.alt{background:var(--mist)}
h2{font-size:clamp(1.7rem,3vw,2.3rem)}
.intro{max-width:640px;margin-bottom:48px}
.grid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--line);padding:30px;border-top:3px solid var(--navy)}
.card h3{font-size:1.08rem}.card p{margin:0;font-size:.95rem}
.chips{display:flex;flex-wrap:wrap;gap:12px;list-style:none;padding:0;margin:0}
.chips li{border:1px solid var(--silver);padding:12px 20px;font-weight:600;color:var(--navy);background:#fff}
.steps{counter-reset:s;display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));list-style:none;padding:0}
.steps li{counter-increment:s;padding:28px;border-left:2px solid var(--silver)}
.steps li::before{content:"0" counter(s);font-weight:700;font-size:2rem;color:var(--silver);display:block}
.dark{background:var(--navy);color:#d5d9df}.dark h2{color:#fff}
.dark .chips li{background:transparent;color:#fff}
form{display:grid;gap:18px;grid-template-columns:1fr 1fr;background:#fff;padding:36px;border:1px solid var(--line)}
form .full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.85rem;color:var(--navy);margin-bottom:6px}
input,select,textarea{width:100%;padding:12px;border:1px solid #c6ccd4;font:inherit;border-radius:2px;background:#fff}
input:focus,select:focus,textarea:focus,a:focus-visible,.btn:focus-visible{outline:3px solid #6d8fbf;outline-offset:2px}
.note{font-size:.85rem;color:#5b6573}
details{border-bottom:1px solid var(--line);padding:20px 0}
summary{font-weight:600;color:var(--navy);cursor:pointer;font-size:1.05rem}
footer{background:#0e1b2d;color:#aeb5bf;padding:56px 0 32px;font-size:.9rem}
footer img{height:40px;width:auto;margin-bottom:14px}
.fgrid{display:grid;gap:32px;grid-template-columns:2fr 1fr 1fr}
footer a{color:#fff}
.ph{background:#fff3c4;color:#5a4500;padding:0 4px;border-radius:2px}
@media(max-width:820px){.nav ul li:not(:last-child){display:none}section{padding:64px 0}.hero{padding:80px 0}form{grid-template-columns:1fr;padding:22px}.fgrid{grid-template-columns:1fr}.nav img{height:48px}}