:root {
  --ink: #172033;
  --muted: #5f6878;
  --navy: #0b1830;
  --navy-2: #12274a;
  --red: #df2029;
  --red-dark: #b5161e;
  --teal: #087f73;
  --teal-soft: #e7f5f2;
  --blue-soft: #eef4fb;
  --sand: #f7f4ee;
  --white: #ffffff;
  --line: #dfe4eb;
  --shadow: 0 18px 50px rgba(11, 24, 48, 0.10);
  --radius: 18px;
  --max: 1160px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.72;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; }
a { color: #075fa9; text-underline-offset: 3px; }
a:hover { color: var(--red-dark); }
:focus-visible { outline: 3px solid #f5bd1f; outline-offset: 3px; }

.skip-link {
  position: absolute;
  left: 12px;
  top: -80px;
  z-index: 999;
  padding: 10px 16px;
  color: var(--navy);
  background: var(--white);
  border-radius: 8px;
}
.skip-link:focus { top: 12px; }

.wrap { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin-inline: auto; }

.topline {
  color: #dce8f8;
  background: #071222;
  font-size: 13px;
}
.topline .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  min-height: 36px;
}
.topline a { color: #fff; text-decoration: none; }
.topline a:hover { text-decoration: underline; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  color: var(--white);
  background: rgba(11, 24, 48, 0.98);
  box-shadow: 0 8px 24px rgba(2, 8, 20, 0.14);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 78px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
  text-decoration: none;
  flex: 0 0 auto;
}
.brand img {
  width: 114px;
  height: 40px;
  padding: 7px 9px;
  background: var(--white);
  border-radius: 8px;
}
.brand-copy { display: grid; line-height: 1.16; }
.brand-copy strong { font-size: 15px; letter-spacing: .02em; }
.brand-copy small { margin-top: 3px; color: #b9c8dd; font-size: 11px; }

.main-nav { display: flex; align-items: center; gap: 6px; }
.main-nav a {
  padding: 9px 10px;
  color: #e7eef8;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 650;
  text-decoration: none;
  white-space: nowrap;
}
.main-nav a:hover,
.main-nav a[aria-current="page"] { color: #fff; background: rgba(255,255,255,.10); }
.main-nav .nav-cta { background: var(--red); }
.main-nav .nav-cta:hover { background: var(--red-dark); }

.hero {
  position: relative;
  overflow: hidden;
  padding: 86px 0 76px;
  color: var(--white);
  background:
    radial-gradient(circle at 83% 18%, rgba(31, 173, 152, .26), transparent 27%),
    radial-gradient(circle at 14% 86%, rgba(223, 32, 41, .23), transparent 31%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
}
.hero::after {
  content: "";
  position: absolute;
  width: 360px;
  height: 360px;
  right: -150px;
  bottom: -220px;
  border: 44px solid rgba(255,255,255,.05);
  border-radius: 50%;
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(300px, .65fr);
  align-items: center;
  gap: 56px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 18px;
  color: #91e2d5;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .11em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 30px; height: 2px; background: currentColor; }
.hero h1,
.page-hero h1 {
  margin: 0;
  max-width: 820px;
  font-size: clamp(38px, 6vw, 68px);
  line-height: 1.02;
  letter-spacing: -.045em;
}
.hero .lead {
  max-width: 760px;
  margin: 24px 0 0;
  color: #dce6f4;
  font-size: clamp(18px, 2.2vw, 23px);
  line-height: 1.55;
}
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 11px 20px;
  border: 1px solid transparent;
  border-radius: 10px;
  font-weight: 800;
  text-decoration: none;
  transition: transform .15s ease, background .15s ease;
}
.button:hover { transform: translateY(-1px); }
.button-primary { color: #fff; background: var(--red); }
.button-primary:hover { color: #fff; background: var(--red-dark); }
.button-secondary { color: #fff; border-color: rgba(255,255,255,.48); background: rgba(255,255,255,.07); }
.button-secondary:hover { color: #fff; background: rgba(255,255,255,.15); }
.button-light { color: var(--navy); background: var(--white); }
.button-light:hover { color: var(--navy); background: #edf2f8; }

.hero-panel {
  padding: 28px;
  color: var(--ink);
  background: rgba(255,255,255,.97);
  border: 1px solid rgba(255,255,255,.38);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-panel h2 { margin: 0 0 12px; color: var(--navy); font-size: 21px; }
.hero-panel p { margin: 0; color: var(--muted); font-size: 15px; }
.check-list { list-style: none; padding: 0; margin: 20px 0 0; }
.check-list li { position: relative; padding: 8px 0 8px 29px; border-top: 1px solid var(--line); font-size: 15px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 900; }

.fact-strip { position: relative; z-index: 3; margin-top: -26px; }
.fact-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow);
}
.fact { padding: 22px; text-align: center; }
.fact + .fact { border-left: 1px solid var(--line); }
.fact strong { display: block; color: var(--navy); font-size: 23px; line-height: 1.2; }
.fact span { display: block; margin-top: 5px; color: var(--muted); font-size: 13px; }

.page-hero {
  padding: 58px 0 52px;
  color: var(--white);
  background:
    radial-gradient(circle at 90% 10%, rgba(8,127,115,.35), transparent 28%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
}
.page-hero h1 { font-size: clamp(34px, 5vw, 54px); }
.page-hero .lead { max-width: 780px; margin: 19px 0 0; color: #dce6f4; font-size: 20px; }
.breadcrumb { margin: 0 0 18px; color: #b7c6d9; font-size: 14px; }
.breadcrumb a { color: #e8f2ff; }
.updated { margin-top: 20px; color: #b9c8db; font-size: 13px; }

.section { padding: 74px 0; }
.section-tight { padding: 50px 0; }
.section-soft { background: var(--blue-soft); }
.section-sand { background: var(--sand); }
.section-dark { color: #e9f0f9; background: var(--navy); }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark p { color: #c7d3e4; }
.section-header { max-width: 780px; margin-bottom: 36px; }
.section-header.center { margin-inline: auto; text-align: center; }
.kicker { margin: 0 0 9px; color: var(--red-dark); font-size: 13px; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
h2 { margin: 0 0 16px; color: var(--navy); font-size: clamp(28px, 4vw, 42px); line-height: 1.18; letter-spacing: -.025em; }
h3 { margin: 26px 0 10px; color: var(--navy); font-size: 22px; line-height: 1.28; }
h4 { margin: 22px 0 8px; color: var(--navy); font-size: 18px; }
p { margin: 0 0 18px; }
.lead-copy { color: var(--muted); font-size: 20px; }
.small { color: var(--muted); font-size: 14px; }

.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }

.card {
  height: 100%;
  padding: 28px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 10px 30px rgba(11,24,48,.055);
}
.card h3 { margin-top: 0; }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.card-number {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  color: #fff;
  background: var(--teal);
  border-radius: 11px;
  font-weight: 900;
}
.card-link { display: inline-block; margin-top: 8px; font-weight: 800; }

.answer-box {
  margin: 0 0 30px;
  padding: 25px 28px;
  background: var(--teal-soft);
  border-left: 5px solid var(--teal);
  border-radius: 0 14px 14px 0;
}
.answer-box strong { color: #075d55; }
.answer-box p:last-child { margin-bottom: 0; }
.warning-box {
  margin: 26px 0;
  padding: 22px 24px;
  background: #fff8e8;
  border: 1px solid #efdca9;
  border-radius: 12px;
}
.source-box {
  margin: 28px 0;
  padding: 22px 24px;
  background: #f7f9fc;
  border: 1px solid var(--line);
  border-radius: 12px;
  font-size: 15px;
}
.source-box h3 { margin-top: 0; font-size: 18px; }
.source-box ul { margin-bottom: 0; }
.legal-note { color: var(--muted); font-size: 14px; }

.content-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 285px;
  align-items: start;
  gap: 54px;
}
.content article > :first-child { margin-top: 0; }
.content ul, .content ol { padding-left: 24px; }
.content li { margin-bottom: 8px; }
.toc {
  position: sticky;
  top: 108px;
  padding: 22px;
  background: var(--sand);
  border: 1px solid #e7e0d4;
  border-radius: 14px;
}
.toc strong { display: block; margin-bottom: 10px; color: var(--navy); }
.toc a { display: block; padding: 5px 0; font-size: 14px; text-decoration: none; }

.table-wrap { overflow-x: auto; margin: 26px 0; border: 1px solid var(--line); border-radius: 14px; }
table { width: 100%; border-collapse: collapse; background: #fff; }
caption { padding: 14px 16px; color: var(--muted); background: #f7f9fc; text-align: left; font-size: 14px; }
th, td { padding: 15px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: var(--navy); background: #f2f6fb; font-size: 14px; }
tr:last-child td { border-bottom: 0; }

.price-hero {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: 26px;
  margin: 28px 0;
  padding: 30px;
  color: #fff;
  background: linear-gradient(135deg, #0c746a, #0b1830);
  border-radius: var(--radius);
}
.price { font-size: clamp(36px, 6vw, 56px); font-weight: 900; line-height: 1; letter-spacing: -.04em; white-space: nowrap; }
.price small { display: block; margin-top: 8px; font-size: 13px; font-weight: 600; letter-spacing: 0; }
.price-hero p { margin: 0; color: #dceeea; }

.steps { counter-reset: step; display: grid; gap: 15px; padding: 0; list-style: none; }
.steps li {
  position: relative;
  padding: 19px 20px 19px 66px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
}
.steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 18px;
  top: 18px;
  display: grid;
  place-items: center;
  width: 31px;
  height: 31px;
  color: #fff;
  background: var(--red);
  border-radius: 50%;
  font-size: 14px;
  font-weight: 900;
}

.faq { display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.faq summary { cursor: pointer; padding: 18px 52px 18px 20px; color: var(--navy); font-weight: 800; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; float: right; margin-right: -32px; color: var(--red); font-size: 24px; line-height: 1; }
.faq details[open] summary::after { content: "−"; }
.faq details div { padding: 0 20px 20px; color: var(--muted); }
.faq details div p:last-child { margin-bottom: 0; }

.cta {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 28px;
  padding: 38px;
  color: #fff;
  background: linear-gradient(135deg, var(--red-dark), var(--red));
  border-radius: var(--radius);
}
.cta h2 { margin-bottom: 8px; color: #fff; font-size: clamp(26px, 4vw, 38px); }
.cta p { margin: 0; color: #ffe3e5; }

.link-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.link-card { padding: 20px; color: var(--ink); background: #fff; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; }
.link-card strong { display: block; color: var(--navy); }
.link-card span { display: block; margin-top: 5px; color: var(--muted); font-size: 14px; }
.link-card:hover { border-color: var(--red); transform: translateY(-1px); }

.site-footer { padding: 54px 0 24px; color: #c9d5e5; background: #071222; }
.footer-grid { display: grid; grid-template-columns: 1.1fr .9fr .9fr; gap: 42px; }
.site-footer h2, .site-footer h3 { color: #fff; }
.site-footer h3 { margin-top: 0; font-size: 17px; }
.site-footer a { color: #e7eef8; }
.site-footer ul { padding: 0; margin: 0; list-style: none; }
.site-footer li { margin-bottom: 7px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 40px; padding-top: 22px; border-top: 1px solid #26354b; color: #91a3ba; font-size: 13px; }

.pill {
  display: inline-block;
  margin: 2px 5px 2px 0;
  padding: 4px 9px;
  color: #075d55;
  background: var(--teal-soft);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 800;
}
.divider { height: 1px; margin: 34px 0; background: var(--line); }
.center { text-align: center; }

.privacy-footer-link { padding: 14px 0 0; color: #91a3ba; font-size: 13px; text-align: center; }
.privacy-footer-link a { color: #c9d5e5; }
.cookie-consent {
  position: fixed;
  z-index: 9999;
  right: 18px;
  bottom: 18px;
  left: 18px;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 24px;
  max-width: 980px;
  margin: 0 auto;
  padding: 22px;
  color: #fff;
  background: #071222;
  border: 1px solid #32445e;
  border-radius: 14px;
  box-shadow: 0 18px 55px rgba(0, 0, 0, .35);
}
.cookie-consent strong { display: block; margin-bottom: 5px; font-size: 18px; }
.cookie-consent p { margin: 0 0 5px; color: #d9e2ef; font-size: 14px; }
.cookie-consent a { color: #fff; font-size: 13px; }
.cookie-actions { display: flex; gap: 10px; }
.cookie-actions .button { cursor: pointer; }
.cookie-reject { color: #fff; background: transparent; border: 1px solid #8292a7; }
.cookie-settings {
  position: fixed;
  z-index: 9998;
  left: 10px;
  bottom: 10px;
  padding: 7px 10px;
  color: #fff;
  background: #071222;
  border: 1px solid #53647b;
  border-radius: 7px;
  font: inherit;
  font-size: 12px;
  cursor: pointer;
}

.application-form {
  padding: 30px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.form-field { display: grid; gap: 7px; }
.form-field-wide { grid-column: 1 / -1; }
.form-field label, .form-field legend { color: var(--navy); font-size: 14px; font-weight: 800; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%;
  padding: 12px 13px;
  color: var(--ink);
  background: #fff;
  border: 1px solid #b9c4d2;
  border-radius: 8px;
  font: inherit;
}
.form-field textarea { min-height: 120px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: 3px solid rgba(207, 31, 44, .15);
  border-color: var(--red);
}
.form-check { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-size: 14px; }
.form-check input { width: 18px; height: 18px; margin-top: 3px; flex: 0 0 auto; }
.form-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 14px; margin-top: 20px; }
.form-note { margin: 0; color: var(--muted); font-size: 13px; }
.form-status { display: none; margin: 0 0 20px; padding: 14px 16px; border-radius: 10px; font-weight: 700; }
.form-status.success { color: #075d55; background: var(--teal-soft); border: 1px solid #9fd8d1; }
.form-status.error { color: #8c1821; background: #fff0f1; border: 1px solid #f4b8bd; }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }

@media (max-width: 980px) {
  .header-inner { align-items: flex-start; flex-direction: column; gap: 10px; padding: 14px 0; }
  .site-header { position: static; }
  .main-nav { width: 100%; overflow-x: auto; padding-bottom: 3px; }
  .hero-grid, .content-layout { grid-template-columns: 1fr; }
  .hero-panel { max-width: 640px; }
  .toc { position: static; order: -1; }
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .fact-grid { grid-template-columns: repeat(2, 1fr); }
  .fact:nth-child(3) { border-left: 0; border-top: 1px solid var(--line); }
  .fact:nth-child(4) { border-top: 1px solid var(--line); }
}

@media (max-width: 700px) {
  body { font-size: 16px; }
  .wrap, .narrow { width: min(calc(100% - 28px), var(--max)); }
  .topline .wrap { align-items: flex-start; flex-direction: column; gap: 1px; padding: 7px 0; }
  .brand-copy { display: none; }
  .main-nav a { font-size: 13px; }
  .hero { padding: 58px 0 52px; }
  .hero-grid { gap: 30px; }
  .page-hero { padding: 42px 0 38px; }
  .section { padding: 54px 0; }
  .grid-2, .grid-3, .grid-4, .link-cards, .footer-grid, .cta, .form-grid { grid-template-columns: 1fr; }
  .form-field-wide { grid-column: auto; }
  .application-form { padding: 22px; }
  .cookie-consent { grid-template-columns: 1fr; gap: 14px; padding: 18px; }
  .cookie-actions { width: 100%; }
  .cookie-actions .button { flex: 1; text-align: center; }
  .fact { padding: 16px 10px; }
  .fact strong { font-size: 19px; }
  .price-hero { grid-template-columns: 1fr; }
  .price { white-space: normal; }
  .card { padding: 22px; }
  .cta { padding: 28px; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}

@media print {
  .topline, .site-header, .cta, .site-footer, .button-row, .toc { display: none !important; }
  body { color: #000; font-size: 12pt; }
  .page-hero { padding: 20px 0; color: #000; background: #fff; }
  .page-hero .lead, .updated { color: #333; }
  a { color: #000; text-decoration: none; }
}