:root{--blue:#0b2a4a;--blue2:#14406e;--gold:#f5b316;--gold2:#ffd35c;--sand:#f4e6cc;--sand2:#fbf5ea;--ink:#1d2733;--muted:#5b6673}
*{box-sizing:border-box}body{margin:0;font-family:"Inter","Segoe UI",system-ui,sans-serif;color:var(--ink);background:var(--sand2);line-height:1.6}
h1,h2,h3{font-family:"Poppins","Segoe UI",system-ui,sans-serif;line-height:1.2;color:var(--blue)}
a{color:var(--blue2)}.wrap{max-width:1140px;margin:auto;padding:0 20px}
header{background:var(--blue);position:sticky;top:0;z-index:10;box-shadow:0 2px 10px #0003}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;max-width:1140px;margin:auto;flex-wrap:wrap;gap:10px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:1.1rem}.brand small{display:block;font-weight:400;color:var(--gold2);font-size:.75rem;letter-spacing:.08em}
.nav ul{list-style:none;display:flex;gap:6px;margin:0;padding:0;flex-wrap:wrap}.nav ul a{color:#fff;text-decoration:none;padding:8px 14px;border-radius:6px}.nav ul a:hover,.nav ul a.active{background:var(--blue2)}
.btn{display:inline-block;background:var(--gold);color:var(--blue)!important;font-weight:700;padding:12px 24px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--gold2)}
.btn.ghost{background:transparent;color:#fff!important;border:2px solid #fff}
.hero{background:linear-gradient(160deg,var(--blue) 0%,var(--blue2) 55%,#c9822a 100%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:center;padding:70px 20px}.hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.2rem);margin:0 0 16px}.hero p{font-size:1.15rem;opacity:.92}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.pagehero .wrap{grid-template-columns:1fr;padding:50px 20px}
section{padding:60px 0}.alt{background:var(--sand)}.center{text-align:center}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.card{background:#fff;border-radius:14px;padding:26px;box-shadow:0 4px 18px #0b2a4a14;border-top:4px solid var(--gold)}.card h3{margin-top:0}
.ico{width:46px;height:46px;border-radius:12px;background:var(--sand);display:grid;place-items:center;font-size:1.5rem;margin-bottom:10px}
.steps{counter-reset:s}.step{position:relative;padding-top:56px}.step:before{counter-increment:s;content:counter(s);position:absolute;top:18px;left:26px;width:36px;height:36px;border-radius:50%;background:var(--blue);color:var(--gold);display:grid;place-items:center;font-weight:700}
.band{background:var(--blue);color:#fff;text-align:center}.band h2{color:#fff}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0}.chips li{background:#fff;border:1px solid #e3d3b2;padding:6px 14px;border-radius:999px}
form{background:#fff;padding:28px;border-radius:14px;box-shadow:0 4px 18px #0b2a4a14;display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-weight:600;font-size:.92rem;display:flex;flex-direction:column;gap:6px}.full{grid-column:1/-1}
input,select,textarea{font:inherit;padding:11px;border:1px solid #cdbf9f;border-radius:8px;background:var(--sand2)}input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.note{font-size:.85rem;color:var(--muted)}.two{display:grid;grid-template-columns:1.4fr 1fr;gap:30px;align-items:start}
.phone{font-size:1.6rem;font-weight:700;color:var(--blue);text-decoration:none}
footer{background:#081f37;color:#c9d3de;padding:40px 0 20px;font-size:.92rem}footer a{color:var(--gold2)}footer .grid{gap:30px}footer h4{color:#fff;margin:0 0 8px}
.copy{border-top:1px solid #ffffff22;margin-top:24px;padding-top:14px;text-align:center}
@media(max-width:800px){.hero .wrap,.two{grid-template-columns:1fr}form{grid-template-columns:1fr}.nav{justify-content:center}}