:root{
    --navy:#1b3a5c; --navy-d:#132b45; --ink:#1d2733; --body:#4a5765;
    --line:#dfe4ea; --bg:#ffffff; --soft:#f4f6f8; --accent:#c8752a;
    --ok:#2f7d4f; --err:#b23b32;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{
    margin:0; background:var(--bg); color:var(--body);
    font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
    -webkit-font-smoothing:antialiased;
  }
  .wrap{max-width:1120px;margin:0 auto;padding:0 20px}
  h1,h2,h3{color:var(--ink);margin:0;line-height:1.25}
  h1{font-size:clamp(28px,4.6vw,44px);font-weight:700;letter-spacing:-.02em}
  h2{font-size:clamp(22px,3vw,30px);font-weight:700;letter-spacing:-.01em}
  h3{font-size:17px;font-weight:650}
  p{margin:0}
  a{color:var(--navy)}

  /* header */
  header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
  .bar{display:flex;align-items:center;justify-content:space-between;gap:20px;height:66px}
  .logo{display:flex;align-items:center;gap:10px;text-decoration:none}
  .logo svg{display:block}
  .logo b{font-size:21px;font-weight:800;color:var(--navy);letter-spacing:.06em}
  .logo span{font-size:11px;color:var(--body);letter-spacing:.08em;text-transform:uppercase;display:block;margin-top:-3px}
  nav{display:flex;gap:26px}
  nav a{color:var(--body);text-decoration:none;font-size:14.5px}
  nav a:hover{color:var(--navy)}
  .btn{
    display:inline-block;background:var(--navy);color:#fff;text-decoration:none;
    padding:11px 22px;border-radius:3px;font-size:15px;font-weight:600;border:0;cursor:pointer;
    font-family:inherit;
  }
  .btn:hover{background:var(--navy-d)}
  @media(max-width:780px){nav{display:none}}

  /* hero */
  .hero{background:var(--navy);color:#dce4ec;padding:clamp(48px,7vw,84px) 0}
  .hero h1{color:#fff;max-width:19ch}
  .hero p.lead{font-size:clamp(16px,2vw,18.5px);max-width:56ch;margin-top:18px;color:#c3d0dd}
  .hero .cta{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap;align-items:center}
  .btn-lt{background:#fff;color:var(--navy)}
  .btn-lt:hover{background:#eef2f6}
  .hero .note{font-size:14px;color:#9fb2c4}

  .facts{
    display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));
    gap:1px;background:rgba(255,255,255,.16);margin-top:46px;border:1px solid rgba(255,255,255,.16)
  }
  .facts div{background:var(--navy);padding:18px 20px}
  .facts b{display:block;color:#fff;font-size:25px;font-weight:700;letter-spacing:-.01em}
  .facts span{font-size:13.5px;color:#a9bcce}

  section{padding:clamp(46px,6vw,72px) 0}
  .eyebrow{
    font-size:12px;letter-spacing:.13em;text-transform:uppercase;
    color:var(--accent);font-weight:700;margin-bottom:12px
  }
  .lede{max-width:64ch;margin-top:14px}

  /* catalogue */
  .cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(232px,1fr));gap:18px;margin-top:34px}
  .card{border:1px solid var(--line);border-radius:4px;padding:22px;background:#fff}
  .card .tag{
    font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--accent);
    font-weight:700;display:block;margin-bottom:9px
  }
  .card h3{margin-bottom:8px}
  .card p{font-size:14.5px}
  .card ul{margin:12px 0 0;padding-left:17px;font-size:14px}
  .card li{margin:3px 0}

  /* terms */
  .terms{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .tgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:34px 40px;margin-top:34px}
  .tgrid h3{margin-bottom:7px}
  .tgrid p{font-size:14.8px}

  .steps{counter-reset:s;display:grid;gap:0;margin-top:34px;border-top:1px solid var(--line)}
  .step{
    display:grid;grid-template-columns:44px 1fr;gap:18px;padding:18px 0;
    border-bottom:1px solid var(--line);align-items:start
  }
  .step .n{
    font-size:13px;font-weight:700;color:var(--navy);border:1px solid var(--line);
    background:#fff;border-radius:50%;width:32px;height:32px;display:grid;place-items:center
  }
  .step p{font-size:14.8px;margin-top:3px}

  /* form */
  form{margin-top:32px;max-width:660px}
  .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  @media(max-width:620px){.row{grid-template-columns:1fr}}
  .field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
  label{font-size:13.5px;font-weight:600;color:var(--ink)}
  label .req{color:var(--err)}
  input,textarea,select{
    font:15px/1.5 inherit;color:var(--ink);background:#fff;
    border:1px solid #ccd3db;border-radius:3px;padding:10px 12px;width:100%
  }
  input:focus,textarea:focus,select:focus{outline:2px solid var(--navy);outline-offset:-1px;border-color:var(--navy)}
  textarea{resize:vertical;min-height:104px}
  .hint{font-size:13px;color:#7c8896;margin-top:14px}
  .msg{margin-top:16px;padding:13px 15px;border-radius:3px;font-size:14.5px;display:none}
  .msg.on{display:block}
  .msg.ok{background:#e8f3ec;color:var(--ok);border:1px solid #bcdcc8}
  .msg.err{background:#fbeceb;color:var(--err);border:1px solid #eecbc8}
  .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

  footer{background:var(--navy-d);color:#93a7ba;padding:34px 0;font-size:14px}
  .fbar{display:flex;flex-wrap:wrap;gap:14px 30px;justify-content:space-between;align-items:center}
  footer b{color:#fff;letter-spacing:.06em}