:root {
  --blue: #178bff;
  --blue-dark: #0453c7;
  --orange: #ff8b16;
  --gold: #ffd23f;
  --ink: #172033;
  --muted: #5e6b80;
  --line: #dce5f1;
  --soft: #f5f8fc;
  --white: #fff;
  --night: #08152f;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font: 16px/1.72 system-ui, -apple-system, "Segoe UI", sans-serif; }
img { max-width: 100%; height: auto; }
a { color: inherit; }
.wrap { width: min(1120px, calc(100% - 32px)); margin: auto; }
.skip { position: fixed; top: -60px; left: 12px; z-index: 100; padding: 10px 14px; background: #fff; color: #000; }
.skip:focus { top: 12px; }
.top { position: sticky; top: 0; z-index: 30; background: rgba(255, 255, 255, .96); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.top .wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; font-weight: 900; color: #0c63cf; }
.brand img { width: 122px; display: block; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { color: #354052; text-decoration: none; font-weight: 700; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--blue-dark); }
.nav .nav-cta { padding: 10px 17px; border-radius: 9px; background: linear-gradient(135deg, var(--orange), #ff5f23); color: #fff; }
.hero { padding: 54px 0 42px; background: linear-gradient(180deg, #f4f9ff 0, #fff 100%); }
.hero-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(420px, 1.05fr); align-items: center; gap: 42px; }
.eyebrow { display: inline-block; padding: 5px 12px; border: 1px solid #afd4ff; border-radius: 999px; background: #eaf5ff; color: #075bb9; font-weight: 800; font-size: .9rem; }
h1 { margin: 18px 0 14px; font-size: clamp(2.35rem, 5vw, 4.2rem); line-height: 1.04; letter-spacing: -.04em; }
h1 em { color: var(--blue-dark); font-style: normal; }
.lead { margin: 0; color: var(--muted); font-size: 1.1rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 12px 20px; border-radius: 9px; background: linear-gradient(135deg, var(--blue), var(--blue-dark)); color: #fff; text-decoration: none; font-weight: 900; box-shadow: 0 10px 26px rgba(23, 139, 255, .18); }
.btn.alt { background: linear-gradient(135deg, var(--orange), #ff5f23); box-shadow: 0 10px 26px rgba(255, 111, 24, .18); }
.hero-media { padding: 14px; border: 1px solid var(--line); border-radius: 22px; background: #fff; box-shadow: 0 20px 60px rgba(23, 72, 130, .14); }
.hero-media img { display: block; width: 100%; border-radius: 14px; }
.quick-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 18px; }
.quick-links a { padding: 13px 10px; border-radius: 8px; color: #fff; text-align: center; text-decoration: none; font-weight: 900; }
.quick-links a:nth-child(1) { background: #9055dc; }
.quick-links a:nth-child(2) { background: #3e91d8; }
.quick-links a:nth-child(3) { background: #4db786; }
.content { padding: 42px 0 20px; }
.content h2 { margin: 38px 0 12px; font-size: clamp(1.65rem, 3vw, 2.25rem); line-height: 1.24; }
.content h3 { margin: 28px 0 8px; color: #123d79; font-size: 1.3rem; }
.content p, .content li { color: var(--muted); }
.content a:not(.btn) { color: var(--blue-dark); font-weight: 700; }
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 24px 0; }
.info-card { padding: 22px; border: 1px solid var(--line); border-radius: 15px; background: var(--soft); }
.info-card strong { display: block; margin-bottom: 6px; color: #0b65c9; font-size: 1.08rem; }
.info-card p { margin: 0; }
.promo-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin: 22px 0; }
.promo-grid img { width: 100%; display: block; border-radius: 14px; border: 1px solid var(--line); }
.providers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 20px 0; }
.providers img { width: 100%; display: block; border: 1px solid var(--line); border-radius: 12px; background: #111; }
.table-wrap { overflow-x: auto; margin: 20px 0; border: 1px solid var(--line); border-radius: 14px; }
table { width: 100%; min-width: 640px; border-collapse: collapse; background: #fff; }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { background: #eaf4ff; color: #0b4f9e; }
tr:last-child td { border-bottom: 0; }
.steps { list-style: none; counter-reset: s; padding: 0; }
.steps li { position: relative; padding: 0 0 21px 48px; }
.steps li::before { counter-increment: s; content: counter(s); position: absolute; left: 0; top: 1px; width: 32px; height: 32px; display: grid; place-items: center; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--orange)); color: #fff; font-weight: 900; }
.faq { margin-top: 30px; }
.faq details { padding: 15px 0; border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; color: var(--ink); font-weight: 800; }
.faq p { margin: 8px 0 0; }
.notice { padding: 20px 22px; border-left: 4px solid var(--orange); border-radius: 10px; background: #fff7ed; }
.crumb { padding-top: 22px; color: var(--muted); font-size: .92rem; }
.crumb a { color: var(--blue-dark); }
.page-hero { padding: 38px 0 32px; background: linear-gradient(135deg, #e8f4ff, #fff7eb); }
.page-hero-grid { display: grid; grid-template-columns: 1fr 280px; align-items: center; gap: 38px; }
.page-hero h1 { font-size: clamp(2.2rem, 4.5vw, 3.6rem); }
.page-hero img { width: 250px; justify-self: center; filter: drop-shadow(0 15px 24px rgba(0, 0, 0, .18)); }
.mobile-dock { display: none; }
footer { margin-top: 48px; padding: 32px 0; background: var(--night); color: #c7d4e8; text-align: center; font-size: .92rem; }
footer a { color: #fff; }
@media (max-width: 820px) {
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; }
  .hero-copy { text-align: center; }
  .hero-media { max-width: 640px; margin: auto; }
  .actions { justify-content: center; }
  .info-grid { grid-template-columns: 1fr; }
  .page-hero img { order: -1; width: 200px; }
}
@media (max-width: 640px) {
  body { padding-bottom: calc(78px + env(safe-area-inset-bottom)); }
  .wrap { width: calc(100% - 24px); }
  .top .wrap { min-height: 64px; gap: 8px; }
  .brand img { width: 92px; }
  .nav { gap: 11px; font-size: .88rem; white-space: nowrap; }
  .nav a:nth-child(1), .nav .nav-cta { display: none; }
  .hero { padding: 34px 0 28px; }
  .hero-grid { gap: 24px; }
  h1 { font-size: 2.35rem; }
  .lead { font-size: 1rem; }
  .quick-links { grid-template-columns: 1fr; }
  .quick-links a { padding: 11px; }
  .promo-grid, .providers { grid-template-columns: 1fr; }
  .content { padding-top: 25px; }
  .content h2 { font-size: 1.55rem; }
  .page-hero { padding-top: 28px; }
  .page-hero-grid { gap: 15px; text-align: center; }
  .page-hero img { width: 175px; }
  .mobile-dock { position: fixed; left: 10px; right: 10px; bottom: max(10px, env(safe-area-inset-bottom)); z-index: 40; display: grid; grid-template-columns: 1fr 1fr; gap: 9px; padding: 8px; border: 1px solid #bad7f6; border-radius: 15px; background: rgba(255, 255, 255, .96); box-shadow: 0 14px 40px rgba(0, 0, 0, .22); backdrop-filter: blur(12px); }
  .mobile-dock a { padding: 11px 7px; border-radius: 9px; background: linear-gradient(135deg, var(--blue), var(--blue-dark)); color: #fff; text-align: center; text-decoration: none; font-weight: 900; }
  .mobile-dock a:last-child { background: linear-gradient(135deg, var(--orange), #ff5f23); }
}