:root{
  --bg:#f6f8fc; --bg2:#ffffff; --text:#0b1220; --muted:#4b5565;
  --line:rgba(15,23,42,.10);
  --shadow:0 18px 40px rgba(2,6,23,.10);
  --shadow2:0 8px 18px rgba(2,6,23,.08);
  --brand:#0b3d91; --brand2:#00a3ff;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{
  font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  background:
    radial-gradient(900px 500px at 12% -8%, rgba(11,61,145,.14), transparent 60%),
    radial-gradient(820px 520px at 92% 8%, rgba(0,163,255,.12), transparent 60%),
    linear-gradient(180deg,var(--bg2),var(--bg));
  color:var(--text); line-height:1.55;
}
a{color:inherit}
.container{width:min(var(--max),calc(100% - 40px));margin:0 auto;}
.skip{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden;}
.skip:focus{left:16px;top:16px;width:auto;height:auto;padding:10px 12px;background:#fff;border:1px solid var(--line);border-radius:12px;z-index:9999;}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0;}
.header{position:sticky;top:0;z-index:50;backdrop-filter:blur(10px);background:rgba(255,255,255,.75);border-bottom:1px solid var(--line);}
.header__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;}
.header__right{display:flex;align-items:center;gap:10px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.brand__mark{width:40px;height:40px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--brand),var(--brand2));box-shadow:var(--shadow2);}
.brand__text{display:flex;flex-direction:column;line-height:1.05}
.brand__name{font-weight:950;letter-spacing:.8px}
.brand__sub{font-size:12px;color:var(--muted);letter-spacing:2.4px}
.nav{display:flex;align-items:center;gap:12px;}
.nav__link{text-decoration:none;color:rgba(11,18,32,.82);font-size:14px;padding:8px 10px;border-radius:12px;}
.nav__link:hover{background:rgba(11,61,145,.06)}
.nav__link--ghost{border:1px solid var(--line);background:rgba(255,255,255,.65);}
.lang__select{background:#fff;border:1px solid var(--line);color:var(--text);border-radius:12px;padding:8px 10px;outline:none;}
.burger{display:none;width:44px;height:44px;border-radius:14px;border:1px solid var(--line);background:#fff;padding:10px;}
.burger span{display:block;height:2px;background:var(--text);margin:6px 0;border-radius:2px}
.mobile{display:none;border-bottom:1px solid var(--line);background:#fff;}
.mobile__inner{padding:10px 0 16px;display:flex;flex-direction:column;gap:8px;}
.mobile__link{text-decoration:none;padding:10px 12px;border-radius:14px;color:var(--text);border:1px solid var(--line);background:#fff;}
.mobile__link--cta{background:rgba(11,61,145,.08);border-color:rgba(11,61,145,.18);}
.h1{font-size:clamp(30px,4.2vw,50px);line-height:1.08;margin:12px 0 10px}
.h2{font-size:clamp(22px,2.6vw,34px);margin:0}
.h3{font-size:18px;margin:10px 0 6px}
.lead{font-size:18px;color:rgba(11,18,32,.72);max-width:66ch}
.sub{color:rgba(11,18,32,.66);max-width:80ch;margin:0}
.p{color:rgba(11,18,32,.70);margin:0}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 14px;border-radius:14px;text-decoration:none;font-weight:850;border:1px solid var(--line);background:#fff;color:var(--text);transition:transform .15s ease,box-shadow .15s ease,background .15s ease;}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow2)}
.btn--primary{border:none;color:#fff;background:linear-gradient(135deg,var(--brand),var(--brand2));}
.btn--secondary{background:rgba(11,61,145,.06)}
.btn--full{width:100%}
.btn--sm{padding:10px 12px;border-radius:12px;font-size:14px}
.section{padding:78px 0}
.section--alt{background:rgba(255,255,255,.55);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.sectionHead{display:grid;gap:6px;margin-bottom:18px}
.hero{padding:76px 0 44px}
.hero__grid{display:grid;grid-template-columns:1.15fr .85fr;gap:26px;align-items:start}
.pill{display:inline-flex;align-items:center;padding:8px 12px;border-radius:999px;background:rgba(11,61,145,.08);border:1px solid rgba(11,61,145,.16);color:rgba(11,18,32,.75);font-size:13px;}
.hero__cta{display:flex;gap:12px;margin:18px 0 12px;flex-wrap:wrap}
.trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.trust__item{padding:8px 10px;border-radius:14px;border:1px solid var(--line);background:rgba(255,255,255,.7);color:rgba(11,18,32,.70);font-size:13px;}
.note{margin-top:12px;color:rgba(11,18,32,.64);font-size:13px;padding:10px 12px;border-radius:14px;border:1px solid var(--line);background:rgba(255,255,255,.75);}
.panel{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:18px;}
.panel__kicker{display:inline-flex;padding:6px 10px;border-radius:999px;background:rgba(0,163,255,.10);border:1px solid rgba(0,163,255,.18);color:rgba(11,18,32,.72);font-size:12px;font-weight:800;}
.panel__title{font-weight:950;margin-top:10px;font-size:18px}
.panel__list{margin-top:12px;display:grid;gap:12px}
.panel__row{display:flex;gap:12px;align-items:flex-start}
.ic{width:36px;height:36px;border-radius:14px;display:grid;place-items:center;background:rgba(11,61,145,.08);border:1px solid rgba(11,61,145,.16);color:rgba(11,61,145,.95);}
.ic svg{width:18px;height:18px}
.panel__rowTitle{font-weight:900}
.panel__rowText{color:rgba(11,18,32,.66);font-size:13px;margin-top:3px}
.panel__mini{margin-top:14px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.kpi{border:1px solid var(--line);border-radius:16px;padding:10px;background:rgba(11,61,145,.03)}
.kpi__label{font-size:12px;color:rgba(11,18,32,.62)}
.kpi__value{font-weight:950;font-size:18px;margin-top:2px}
.grid{display:grid;gap:16px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow2);padding:18px;}
.card--hover{transition:transform .18s ease,box-shadow .18s ease}
.card--hover:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.card__title{font-weight:950;margin-bottom:10px}
.card__icon{width:44px;height:44px;border-radius:16px;display:grid;place-items:center;background:rgba(11,61,145,.08);border:1px solid rgba(11,61,145,.16);color:rgba(11,61,145,.95);}
.card__icon svg{width:22px;height:22px}
.bullets{margin:10px 0 0;padding-left:18px;color:rgba(11,18,32,.72)}
.bullets li{margin:6px 0}
.divider{height:1px;background:var(--line);margin:14px 0}
.caseCard{display:grid;grid-template-columns:1.25fr .75fr;gap:16px;align-items:start}
.badge{display:inline-flex;padding:8px 10px;border-radius:999px;border:1px solid rgba(11,61,145,.16);background:rgba(11,61,145,.06);color:rgba(11,18,32,.72);font-size:12px;font-weight:850;}
.caseGrid2{margin-top:14px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.miniCard{border:1px solid var(--line);border-radius:16px;padding:10px;background:#fff}
.miniCard__k{font-size:12px;color:rgba(11,18,32,.62)}
.miniCard__v{font-weight:900;margin-top:4px}
.quote2{margin-top:14px;padding:14px;border-radius:18px;border:1px solid rgba(0,163,255,.18);background:rgba(0,163,255,.06)}
.quote2__mark{font-size:26px;font-weight:950;opacity:.8}
.quote2__text{font-weight:850;color:rgba(11,18,32,.80)}
.savings{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow2);padding:18px;}
.savings__title{font-weight:950}
.savings__list{margin:12px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.savings__list li{display:flex;gap:10px;align-items:flex-start;color:rgba(11,18,32,.75)}
.dot{width:8px;height:8px;border-radius:999px;background:var(--brand2);margin-top:7px;box-shadow:0 0 0 3px rgba(0,163,255,.14)}
.savings__box{margin-top:14px;padding:12px;border-radius:16px;border:1px solid var(--line);background:rgba(11,61,145,.03)}
.savings__k{font-weight:900}
.savings__v{color:rgba(11,18,32,.72);margin-top:6px}
.steps{display:grid;gap:12px;margin-top:14px}
.step{display:flex;gap:12px;align-items:flex-start;border:1px solid var(--line);border-radius:22px;padding:14px;background:#fff;}
.step__num{width:34px;height:34px;border-radius:14px;display:grid;place-items:center;background:rgba(0,163,255,.10);border:1px solid rgba(0,163,255,.18);font-weight:950;color:rgba(11,18,32,.85);}
.step__title{font-weight:950}
.step__text{color:rgba(11,18,32,.70);font-size:14px}
.ctaBand{margin-top:18px;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:16px;border-radius:22px;border:1px solid rgba(11,61,145,.18);background:linear-gradient(135deg,rgba(11,61,145,.08),rgba(0,163,255,.08));}
.ctaBand__title{font-weight:950}
.ctaBand__text{color:rgba(11,18,32,.70);font-size:14px;margin-top:6px}
.faq{margin-top:10px;display:grid;gap:10px}
.faq__item{border:1px solid var(--line);border-radius:22px;background:#fff;padding:10px 12px}
.faq__q{cursor:pointer;font-weight:900}
.faq__a{color:rgba(11,18,32,.70);margin-top:8px}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
.contact__cards{display:grid;gap:12px;margin-top:14px}
.field{display:grid;gap:6px;margin-bottom:12px}
label{color:rgba(11,18,32,.70);font-size:13px}
input,select,textarea{width:100%;padding:11px 12px;border-radius:14px;border:1px solid var(--line);background:#fff;color:var(--text);outline:none;}
textarea{resize:vertical}
.tiny{color:rgba(11,18,32,.62);font-size:12px;margin-top:8px}
.formHint{margin-top:12px;padding:12px;border-radius:16px;border:1px solid var(--line);background:rgba(11,61,145,.03);color:rgba(11,18,32,.72);font-size:13px}
.footer{padding:22px 0;border-top:1px solid var(--line);background:rgba(255,255,255,.75)}
.footer__inner{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.footer__muted{color:rgba(11,18,32,.62);font-size:13px}
.footer__link{color:rgba(11,18,32,.70);text-decoration:none;padding:6px 10px;border-radius:12px;border:1px solid transparent}
.footer__link:hover{background:rgba(11,61,145,.06);border-color:rgba(11,61,145,.12)}
@media (max-width:960px){
  .hero__grid{grid-template-columns:1fr;}
  .grid--3{grid-template-columns:1fr}
  .caseCard{grid-template-columns:1fr}
  .caseGrid2{grid-template-columns:1fr}
  .contact{grid-template-columns:1fr}
  .nav{display:none}
  .burger{display:block}
  .mobile.show{display:block}
  .ctaBand{flex-direction:column;align-items:flex-start}
}