:root{--ink:#102033;--muted:#53657a;--brand:#0b6bcb;--brand2:#074d98;--accent:#16a66a;--warm:#ffb21c;--bg:#f5f8fc;--line:#dce5ef;--white:#fff;--radius:18px;--shadow:0 12px 32px rgba(16,32,51,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Tahoma,"Segoe UI",Arial,sans-serif;line-height:1.8;text-rendering:optimizeLegibility}
a{color:var(--brand);text-underline-offset:3px}
a:hover{color:var(--brand2)}
img{display:block;max-width:100%;height:auto}
.skip{position:absolute;top:-60px;right:12px;background:#000;color:#fff;padding:8px 14px;z-index:100}.skip:focus{top:8px}
.topbar{background:#071d34;color:#fff;font-size:.88rem;text-align:center;padding:7px 16px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav-wrap{max-width:1160px;margin:auto;min-height:68px;padding:8px 18px;display:flex;align-items:center;gap:22px}
.brand{display:flex;align-items:center;gap:9px;color:var(--ink);font-weight:800;text-decoration:none;white-space:nowrap}.brand img{width:58px;height:34px;object-fit:contain}.brand span{font-size:1rem}
.nav{display:flex;gap:6px;align-items:center;margin-inline-start:auto}.nav a{padding:9px 11px;border-radius:9px;color:var(--ink);font-size:.93rem;text-decoration:none;font-weight:700}.nav a:hover,.nav a[aria-current=page]{background:#eaf3fd;color:var(--brand)}
.nav-toggle{display:none;margin-inline-start:auto;border:1px solid var(--line);background:#fff;border-radius:9px;padding:8px 11px;font:inherit;font-weight:700}
.header-call{background:var(--brand);color:#fff!important;padding:9px 15px!important}.header-call:hover{background:var(--brand2)!important}
.hero{background:linear-gradient(125deg,#071d34 0%,#0b559f 62%,#0b8060 100%);color:#fff;padding:74px 20px 68px;overflow:hidden}
.hero-grid{max-width:1160px;margin:auto;display:grid;grid-template-columns:minmax(0,1.5fr) minmax(270px,.7fr);gap:42px;align-items:center}.hero h1{font-size:clamp(2rem,5vw,3.65rem);line-height:1.25;margin:0 0 16px;max-width:850px}.hero p{font-size:clamp(1rem,2vw,1.25rem);max-width:760px;color:#e9f4ff;margin:0 0 24px}.eyebrow{display:inline-block;border:1px solid rgba(255,255,255,.3);background:rgba(255,255,255,.1);border-radius:999px;padding:5px 13px;font-size:.87rem;margin-bottom:16px}.hero-panel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:22px}.hero-panel strong{display:block;font-size:1.15rem;margin-bottom:9px}.hero-list{list-style:none;padding:0;margin:0}.hero-list li{padding:6px 0}.hero-list li::before{content:"✓";color:#7ff0bc;font-weight:900;margin-inline-end:9px}
.actions{display:flex;gap:11px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;border:0;border-radius:11px;padding:12px 19px;font:inherit;font-weight:800;text-decoration:none;cursor:pointer}.btn-primary{background:var(--warm);color:#1f2630}.btn-primary:hover{background:#ffc24a;color:#111}.btn-secondary{background:#fff;color:var(--brand2)}.btn-secondary:hover{background:#eef6ff}.btn-green{background:var(--accent);color:#fff}.btn-green:hover{background:#0f8755;color:#fff}
.breadcrumbs{max-width:1160px;margin:14px auto 0;padding:0 20px;color:var(--muted);font-size:.88rem}.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:7px;list-style:none;padding:0;margin:0}.breadcrumbs li+li::before{content:"/";margin-inline-end:7px;color:#92a1b3}
main{max-width:1160px;margin:auto;padding:34px 20px 70px}.section{margin:0 0 52px}.section-head{max-width:760px;margin-bottom:23px}.section h2{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.35;margin:0 0 10px}.section h3{line-height:1.4}.lead{font-size:1.08rem;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:23px;box-shadow:0 5px 16px rgba(16,32,51,.04)}.card h3{margin:0 0 8px;font-size:1.12rem}.card p{margin:0;color:var(--muted)}.card .icon{font-size:1.7rem;margin-bottom:9px}.card-link{display:block;color:inherit;text-decoration:none}.card-link:hover{border-color:#9dc7ee;transform:translateY(-2px)}
.service-list{padding:0;list-style:none;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 20px}.service-list li{background:#fff;border:1px solid var(--line);border-radius:11px;padding:11px 14px}.service-list li::before{content:"✓";color:var(--accent);font-weight:900;margin-inline-end:9px}
.steps{counter-reset:step}.step{position:relative;padding-inline-start:54px}.step::before{counter-increment:step;content:counter(step);position:absolute;inset-inline-start:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:900}
.notice{background:#fff8e6;border:1px solid #f6d687;border-radius:14px;padding:17px 19px}.notice strong{color:#815800}.area-links{display:flex;gap:9px;flex-wrap:wrap}.area-links a{background:#edf5fd;border:1px solid #cfe1f4;border-radius:999px;padding:6px 12px;text-decoration:none;font-weight:700}
.faq{border-top:1px solid var(--line)}details{background:#fff;border:1px solid var(--line);border-top:0;padding:0 18px}details:first-child{border-radius:14px 14px 0 0}details:last-child{border-radius:0 0 14px 14px}summary{cursor:pointer;font-weight:800;padding:16px 0}details p{color:var(--muted);margin:0 0 17px}
.quote{background:#eaf4ff;border:1px solid #c5dcf4;border-radius:var(--radius);padding:25px}.quote-form{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:18px}.field{display:flex;flex-direction:column;gap:5px}.field label{font-weight:700;font-size:.91rem}.field input,.field select,.field textarea{width:100%;border:1px solid #aebed0;border-radius:9px;padding:11px;background:#fff;color:var(--ink);font:inherit}.field-wide{grid-column:1/-1}.quote .btn{justify-self:start}
.cta{background:linear-gradient(120deg,#083f77,#0b8060);color:#fff;border-radius:22px;padding:30px;display:flex;justify-content:space-between;align-items:center;gap:24px}.cta h2{margin:0 0 5px}.cta p{margin:0;color:#e8f5ff}
.footer{background:#071d34;color:#dce9f5;padding:46px 20px 90px}.footer-grid{max-width:1160px;margin:auto;display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}.footer h2,.footer h3{color:#fff;margin-top:0}.footer a{color:#dce9f5}.footer ul{list-style:none;padding:0;margin:0}.footer-note{max-width:1160px;margin:30px auto 0;padding-top:18px;border-top:1px solid #29415a;color:#aebed0;font-size:.88rem}
.mobile-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:8px;gap:8px}.mobile-bar a{flex:1}
.topic-meta{display:flex;gap:14px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}.article{max-width:820px}.article h2{margin-top:42px}.article h3{margin-top:28px}.article p,.article li{color:#33475d}.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px}.toc strong{display:block;margin-bottom:7px}.toc ol{margin:0}
@media(max-width:850px){.nav-toggle{display:block}.nav{display:none;position:absolute;top:68px;left:12px;right:12px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav.open{display:flex}.hero-grid{grid-template-columns:1fr}.grid,.grid-2{grid-template-columns:1fr 1fr}.quote-form{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.header-call{display:none}}
@media(max-width:580px){.topbar{font-size:.78rem}.brand span{display:none}.hero{padding:54px 18px}.hero-panel{display:none}.grid,.grid-2,.service-list,.quote-form,.footer-grid{grid-template-columns:1fr}.cta{align-items:stretch;flex-direction:column}.cta .actions{width:100%}.cta .btn{flex:1}.mobile-bar{display:flex}.footer{padding-bottom:105px}main{padding-inline:16px}.quote{padding:19px}.field-wide{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}