:root{--bg:#f7f9fd;--card:#fff;--ink:#16223b;--mute:#5a6781;--line:#e3e9f4;--brand:#2563eb;--brand2:#0ea5a4;--soft:#eaf1ff;--mint:#e3f6f4;--r:18px}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
body{font-family:"Plus Jakarta Sans",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;font-size:17px}
a{color:var(--brand)}
:focus-visible{outline:3px solid var(--brand2);outline-offset:3px;border-radius:6px}
.wrap{max-width:1120px;margin:auto;padding:0 22px}
header{position:sticky;top:0;z-index:20;background:rgba(247,249,253,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{font-weight:800;font-size:1.3rem;text-decoration:none;color:var(--ink);display:flex;align-items:center;gap:10px}
.logo i{width:34px;height:34px;border-radius:11px;background:linear-gradient(135deg,var(--brand),var(--brand2));display:grid;place-items:center;color:#fff;font-style:normal;font-size:1rem}
nav ul{display:flex;gap:26px;list-style:none;padding:0;align-items:center}
nav a{text-decoration:none;color:var(--mute);font-weight:600;font-size:.97rem}
nav a:hover{color:var(--brand)}
.btn{display:inline-block;background:var(--brand);color:#fff!important;padding:13px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font:inherit;font-weight:700;box-shadow:0 8px 20px -8px rgba(37,99,235,.6);transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:#fff;color:var(--brand)!important;border:1px solid var(--line);box-shadow:none}
#menu{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:1.1rem;cursor:pointer}
.hero{padding:76px 0 70px;background:radial-gradient(900px 400px at 85% -10%,#d9e7ff 0,transparent 60%),radial-gradient(700px 380px at 0% 100%,var(--mint) 0,transparent 60%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}
h1{font-size:clamp(2.2rem,4.6vw,3.5rem);line-height:1.1;letter-spacing:-.02em;font-weight:800}
.lead{color:var(--mute);font-size:1.15rem;margin:22px 0 30px;max-width:540px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.pill{display:inline-block;background:var(--mint);color:#0b6e6d;font-weight:700;font-size:.85rem;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.call{background:var(--card);border-radius:24px;padding:26px;box-shadow:0 30px 60px -30px rgba(37,99,235,.35);border:1px solid var(--line)}
.call h3{font-size:1rem;margin-bottom:16px;color:var(--mute);font-weight:600}
.row{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;border-radius:14px;background:var(--soft);margin-bottom:10px;font-weight:600}
.row small{display:block;color:var(--mute);font-weight:500}
.row .ok{color:#0b8a5a;font-size:.85rem;font-weight:700}
.row.alt{background:var(--mint)}
section{padding:78px 0}
.alt-bg{background:#fff;border-block:1px solid var(--line)}
h2{font-size:clamp(1.7rem,3vw,2.35rem);letter-spacing:-.015em;line-height:1.2;margin-bottom:14px}
.sub{color:var(--mute);max-width:640px;margin-bottom:42px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.card h3{font-size:1.15rem;margin:14px 0 8px}
.card p{color:var(--mute);font-size:.98rem}
.ic{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;font-size:1.3rem;background:var(--soft)}
.card:nth-child(even) .ic{background:var(--mint)}
.card ul{margin:12px 0 0 18px;color:var(--mute);font-size:.95rem}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding-top:54px}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:0;left:0;width:40px;height:40px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
.step h3{font-size:1.05rem;margin-bottom:6px}.step p{color:var(--mute);font-size:.95rem}
.usa{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.note{background:var(--soft);border-left:5px solid var(--brand);padding:20px 24px;border-radius:12px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px}
summary{cursor:pointer;font-weight:700}
details p{color:var(--mute);margin-top:10px}
.contact{display:grid;grid-template-columns:1fr 1.1fr;gap:40px}
.info p{margin-bottom:12px}.info b{display:block;color:var(--mute);font-size:.85rem}
form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;display:grid;gap:14px}
label{font-weight:600;font-size:.92rem}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:12px;font:inherit;background:#fbfcff;margin-top:5px}
footer{background:#fff;border-top:1px solid var(--line);padding:40px 0;color:var(--mute);font-size:.93rem}
.fgrid{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
footer a{color:var(--mute);margin-right:18px}
.legal{padding:60px 0}.legal .wrap{max-width:820px}
.legal h1{font-size:2.2rem;margin-bottom:8px}.legal h2{font-size:1.25rem;margin:34px 0 8px}
.legal p,.legal li{color:#3b4862;margin-bottom:10px}.legal ul{margin-left:22px}
.upd{color:var(--mute);margin-bottom:24px}
@media(max-width:900px){.hero .wrap,.usa,.contact{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}
@media(max-width:640px){#menu{display:block}nav ul{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;border-bottom:1px solid var(--line);align-items:flex-start}nav ul.open{display:flex}.grid,.steps{grid-template-columns:1fr}section{padding:56px 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

.tablewrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
table{width:100%;border-collapse:collapse}
th,td{text-align:left;padding:15px 22px;border-bottom:1px solid var(--line);vertical-align:top}
tr:last-child th,tr:last-child td{border-bottom:0}
th{width:30%;color:var(--ink);background:var(--soft);font-weight:700}
td{color:var(--mute)}
.cta-band{background:linear-gradient(135deg,#dbe8ff,#d8f3f0);text-align:center}
.cta-band p{color:var(--mute);margin:0 auto 26px;max-width:520px}
@media(max-width:640px){th,td{display:block;width:100%}}