:root{--navy:#0b2545;--navy2:#13315c;--teal:#0e9aa7;--gold:#d4a017;--bg:#f6f8fb;--text:#1f2a37}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);line-height:1.6}
a{color:var(--teal)}.wrap{max-width:1140px;margin:auto;padding:0 20px}
header{position:sticky;top:0;background:#fff;box-shadow:0 2px 10px rgba(0,0,0,.06);z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}.nav img{height:46px;width:auto;flex-shrink:0}
.nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}.nav ul a{color:var(--navy);text-decoration:none;font-weight:600}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;padding:12px 24px;border-radius:6px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn.ghost{background:transparent;border:2px solid #fff;color:#fff!important}
#menu{display:none;background:none;border:0;font-size:28px;color:var(--navy)}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2) 60%,var(--teal));color:#fff;padding:110px 0}
.hero h1{font-size:clamp(2rem,5vw,3.4rem);margin:0 0 16px;max-width:780px;line-height:1.15}.hero p{font-size:1.2rem;max-width:640px;opacity:.9}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
section{padding:80px 0}section.alt{background:var(--bg)}h2{color:var(--navy);font-size:2rem;margin:0 0 8px}.lead{color:#556;max-width:700px;margin-bottom:36px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.card{background:#fff;border-radius:10px;padding:26px;box-shadow:0 4px 18px rgba(11,37,69,.07);border-top:4px solid var(--teal)}
.card h3{margin:0 0 8px;color:var(--navy)}.card .ic{font-size:28px}
.steps{counter-reset:s}.step{position:relative;padding-left:64px}.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center;font-size:1.2rem}
.tags{display:flex;flex-wrap:wrap;gap:12px}.tags span{background:#fff;border:2px solid var(--teal);color:var(--navy);padding:12px 20px;border-radius:30px;font-weight:600}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px}
form{display:grid;gap:14px}input,textarea,select{width:100%;padding:12px;border:1px solid #cdd5df;border-radius:6px;font:inherit}
.info p{margin:6px 0}
footer{background:var(--navy);color:#cfd8e3;padding:30px 0;text-align:center;font-size:.9rem}
@media(max-width:800px){.two{grid-template-columns:1fr}#menu{display:block}.nav ul{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:20px}.nav ul.open{display:flex}}
.nav img{height:52px;width:auto}
.flogo{height:56px;width:auto;background:#fff;border-radius:10px;padding:6px 12px;margin-bottom:12px}
.flogo{width:auto}