:root{--ink:#10231c;--muted:#4b5d55;--bg:#f7f5ef;--card:#ffffff;--line:#e3e0d6;--brand:#0f6b4f;--brand-d:#0a4f3a;--accent:#f2a33a;--warn:#fff4e0}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.top{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:18px;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo svg{flex:none}
nav.main{display:flex;gap:20px;font-size:15px}
nav.main a{color:var(--muted);text-decoration:none}nav.main a:hover{color:var(--ink)}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:14px 22px;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--brand-d)}.btn.sm{padding:10px 16px;font-size:14px}
.btn.ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.hero{background:linear-gradient(180deg,#e9f2ec 0,var(--bg) 100%);padding:48px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
h1{font-size:44px;line-height:1.1;margin:0 0 16px;letter-spacing:-.02em}
h2{font-size:30px;line-height:1.2;margin:48px 0 14px;letter-spacing:-.01em}
h3{font-size:20px;margin:24px 0 8px}
.lead{font-size:19px;color:var(--muted);margin:0 0 20px}
ul.checks{list-style:none;padding:0;margin:0 0 20px}
ul.checks li{padding-left:30px;position:relative;margin:8px 0}
ul.checks li:before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8 13.2 4.8 10l-1.1 1.1L8 15.4l8.3-8.3-1.1-1.1z'/%3E%3C/svg%3E") center/14px no-repeat}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 6px 24px rgba(16,35,28,.06)}
.formcard h2{margin:0 0 4px;font-size:22px}.formcard .sub{color:var(--muted);font-size:15px;margin:0 0 16px}
.step{display:none}.step.on{display:block}
.progress{height:6px;background:#e7ece8;border-radius:6px;margin:0 0 18px;overflow:hidden}.progress span{display:block;height:100%;background:var(--brand);width:14%;transition:width .25s}
.opts{display:grid;gap:10px}
.opt{display:block;border:2px solid var(--line);border-radius:12px;padding:14px 16px;cursor:pointer;font-weight:600;background:#fff}
.opt:hover{border-color:var(--brand)}.opt input{margin-right:10px;accent-color:var(--brand)}
label.f{display:block;font-weight:600;font-size:14px;margin:12px 0 4px}
input.t,select.t{width:100%;padding:13px 14px;border:2px solid var(--line);border-radius:10px;font-size:16px;background:#fff;font-family:inherit}
input.t:focus,select.t:focus{outline:none;border-color:var(--brand)}
.q{font-weight:700;font-size:18px;margin:0 0 12px}
.navbtns{display:flex;justify-content:space-between;margin-top:16px;gap:10px}
.consent{font-size:12.5px;color:var(--muted);line-height:1.45;margin:14px 0 4px}
.consent input{margin-right:6px;accent-color:var(--brand)}
.err{color:#b3261e;font-size:14px;min-height:20px;margin-top:8px}
.hp{position:absolute;left:-9999px}
.disclose{font-size:13px;color:var(--muted);border-top:1px solid var(--line);margin-top:16px;padding-top:12px}
section.band{padding:8px 0 24px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.num{font-size:13px;font-weight:800;color:var(--brand);letter-spacing:.08em;text-transform:uppercase}
.note{background:var(--warn);border:1px solid #f4d9a8;border-radius:12px;padding:16px 18px;margin:18px 0}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:15px}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eef3ef}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}
summary{font-weight:700;cursor:pointer}
.article{max-width:760px}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:10px}.crumbs a{color:var(--muted)}
.ctaband{background:var(--ink);color:#fff;border-radius:18px;padding:32px;margin:48px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.ctaband h3{margin:0 0 4px;font-size:24px}.ctaband p{margin:0;color:#c9d6cf}
.ctaband .btn{background:var(--accent);color:var(--ink)}
footer{background:#0c1a15;color:#b9c7c0;padding:40px 0;margin-top:60px;font-size:14px}
footer a{color:#dfe8e3;text-decoration:none}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer h4{color:#fff;margin:0 0 10px;font-size:15px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.small{font-size:13px;color:#8fa39a;margin-top:24px}
@media (max-width:860px){header.top .btn.sm{padding:8px 12px;font-size:13px;white-space:nowrap}.logo{font-size:15px}.logo span{white-space:nowrap}.hero .wrap,.grid3,.grid2,footer .cols{grid-template-columns:1fr}nav.main{display:none}h1{font-size:34px}h2{font-size:25px}.hero{padding:28px 0 36px}}