:root{--navy:#0b2545;--green:#0e7d58;--green2:#19b37e;--sand:#f6f4ef;--ink:#1b2430;--mute:#5b6676;--line:#e3e0d8}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--green)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
header img{height:40px;display:block}
header nav a{margin-left:20px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
.hero{background:linear-gradient(180deg,var(--sand),#fff);padding:64px 0 48px}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.1;margin:0 0 16px;color:var(--navy);letter-spacing:-1px;max-width:760px}
.hero p{font-size:19px;color:var(--mute);max-width:640px;margin:0 0 28px}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:12px;border:0;font-size:16px;cursor:pointer}
.btn:hover{background:#0b6a4a}
.btn.ghost{background:#fff;color:var(--navy);border:1px solid var(--line);margin-left:10px}
section{padding:56px 0}
h2{font-size:30px;color:var(--navy);margin:0 0 8px;letter-spacing:-.5px}
.sub{color:var(--mute);margin:0 0 28px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px}
.card{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;display:flex;flex-direction:column}
.card h3{margin:0 0 6px;color:var(--navy);font-size:20px}
.card p{margin:0 0 16px;color:var(--mute);font-size:15px;flex:1}
.card a.go{font-weight:700;text-decoration:none}
.ico{font-size:26px;margin-bottom:8px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;counter-reset:s}
.steps div{padding:18px;border-radius:14px;background:var(--sand)}
.steps b{display:block;color:var(--navy);margin-bottom:4px}
.form{background:var(--navy);color:#fff;border-radius:20px;padding:32px}
.form h2{color:#fff}.form .sub{color:#c9d3e3}
form{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form .full{grid-column:1/-1}
label{font-size:14px;font-weight:600;display:block;margin-bottom:4px}
input,select{width:100%;padding:12px;border-radius:10px;border:0;font-size:16px;font-family:inherit}
.consent{font-size:13px;color:#c9d3e3;display:flex;gap:10px;align-items:flex-start}
.consent input{width:auto;margin-top:3px}
.disc{background:var(--sand);font-size:13px;color:var(--mute);padding:28px 0}
.disc p{margin:0 0 10px}
footer{border-top:1px solid var(--line);padding:24px 0;font-size:14px;color:var(--mute)}
footer a{margin-right:16px}
.page{padding:48px 0;max-width:760px}
.page h1{color:var(--navy)}
@media(max-width:640px){form{grid-template-columns:1fr}header nav a:not(:last-child){display:none}.btn.ghost{margin:10px 0 0}}