:root {
  --primary: #0b3b75;
  --primary-dark: #072b55;
  --accent: #f5b732;
  --accent-dark: #e0a21f;
  --text: #172033;
  --muted: #657083;
  --light: #f5f7fb;
  --white: #ffffff;
  --border: #dfe5ef;
  --success: #1f8f4d;
  --danger: #c0392b;
  --shadow: 0 20px 50px rgba(7, 43, 85, 0.12);
  --radius: 22px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Arial, Helvetica, sans-serif; color: var(--text); background: var(--white); line-height: 1.5; }
a { color: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

.top-bar { background: var(--primary-dark); color: var(--white); font-size: 14px; padding: 10px 0; }
.top-bar-inner { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.top-bar strong { color: var(--accent); }

header { background: var(--white); border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 50; }
.nav { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: flex; align-items: center; gap: 12px; font-weight: 800; font-size: 24px; color: var(--primary); text-decoration: none; }
.logo-mark { width: 42px; height: 42px; border-radius: 12px; background: linear-gradient(135deg, var(--primary), #1a70c8); display: grid; place-items: center; color: var(--white); font-weight: 900; }
.nav-links { display: flex; gap: 24px; font-size: 15px; color: var(--muted); align-items: center; }
.nav-cta { background: var(--accent); color: #1c2330; padding: 12px 18px; border-radius: 999px; font-weight: 700; text-decoration: none; }

.hero { background: radial-gradient(circle at top right, rgba(245, 183, 50, 0.22), transparent 32%), linear-gradient(135deg, #f8fbff 0%, #edf4ff 100%); padding: 70px 0 64px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: start; }
.badge { display: inline-flex; align-items: center; gap: 8px; background: #e8f1ff; color: var(--primary); padding: 9px 14px; border-radius: 999px; font-size: 14px; font-weight: 700; margin-bottom: 18px; }
.badge span { width: 9px; height: 9px; background: var(--success); border-radius: 50%; display: inline-block; }
h1 { font-size: clamp(34px, 5vw, 58px); line-height: 1.05; margin: 0 0 22px; color: #0d1c32; }
.hero p { font-size: 19px; color: var(--muted); margin: 0 0 28px; }

.price-box { background: #fff; border: 1px solid var(--border); border-left: 4px solid var(--accent); padding: 18px; border-radius: 12px; }
.price-box h3 { margin: 0 0 8px; font-size: 17px; }
.price-box ul { margin: 0; padding-left: 18px; }

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.btn { border: 0; cursor: pointer; padding: 14px 20px; border-radius: 14px; font-weight: 800; font-size: 16px; display: inline-flex; align-items: center; justify-content: center; text-decoration: none; }
.btn-primary { background: var(--accent); color: #172033; }
.btn-secondary { background: var(--white); color: var(--primary); border: 1px solid var(--border); }

.form-card { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px; border: 1px solid rgba(223, 229, 239, 0.9); }
.form-card h2 { margin: 0 0 8px; font-size: 28px; }
.subtitle { margin: 0 0 22px; color: var(--muted); }
.form-group { margin-bottom: 14px; }
label, legend { display: block; font-size: 14px; font-weight: 700; margin-bottom: 7px; }
input, select, textarea { width: 100%; padding: 14px 15px; border-radius: 12px; border: 1px solid var(--border); font-size: 15px; }
textarea { min-height: 86px; resize: vertical; }
.radio-group label { font-weight: 500; display: flex; gap: 8px; align-items: flex-start; margin-bottom: 10px; }
.radio-group input { width: auto; margin-top: 3px; }
.checkbox { display: flex; align-items: flex-start; gap: 10px; font-size: 12px; color: var(--muted); margin: 14px 0; }
.checkbox input { width: auto; margin-top: 3px; }
.form-note { font-size: 12px; color: var(--muted); margin-bottom: 12px; }
.hint { font-size: 13px; color: var(--primary); background: #e8f1ff; border-radius: 10px; padding: 10px 12px; margin-bottom: 12px; }
.form-card .btn { width: 100%; }
.message { margin-top: 12px; font-size: 14px; }
.message.success { color: var(--success); }
.message.error { color: var(--danger); }

.section { padding: 70px 0; }
.section.light { background: var(--light); }
.section h2 { margin: 0 0 22px; font-size: 34px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.cards.two { grid-template-columns: repeat(2, 1fr); }
.card { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 18px; }
.card h3 { margin-top: 0; }

.faq-item { border-bottom: 1px solid var(--border); }
.faq-question { width: 100%; background: none; border: 0; text-align: left; font-size: 18px; font-weight: 700; padding: 16px 0; display: flex; justify-content: space-between; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .2s ease; }
.faq-item.active .faq-answer { max-height: 200px; }

.cta { background: linear-gradient(135deg, #0d2f5a, #0b3b75); color: #fff; }
.cta-wrap { text-align: center; }
.cta h2 { color: #ffffff; }
.cta p { color: rgba(255, 255, 255, 0.9); }
.cta .btn-primary { margin-top: 8px; }

.footer { background: #091b34; color: #ffffff; padding: 24px 0; }
.footer a { color: rgba(255, 255, 255, 0.85); }
.footer a:hover { color: #ffffff; }
.footer-inner { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }

@media (max-width: 992px) {
  .hero-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr; }
  .cards.two { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .nav { height: auto; padding: 14px 0; flex-wrap: wrap; }
  .nav-links { width: 100%; flex-wrap: wrap; gap: 12px; }
}