:root{--navy:#0b2a5c;--blue:#1446a0;--gold:#b8861e;--green:#22c55e;--bg:#f4f8fd;--ink:#16243b;--mute:#58677f;--line:#dbe5f2}
*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth;scroll-padding-top:120px}
body{font-family:Poppins,system-ui,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
img{max-width:100%;display:block}a{color:inherit}
.wrap{max-width:1160px;margin:auto;padding:0 22px}
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;height:76px}
.bar img{height:58px;width:auto}
nav{display:flex;gap:26px;font-size:.92rem;font-weight:500}nav a{text-decoration:none;color:var(--navy)}nav a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:999px;font-weight:600;font-size:.95rem;text-decoration:none;border:2px solid transparent;transition:.15s}
.btn:focus-visible,nav a:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wa{background:var(--green);color:#052e16}.wa:hover{background:#16a34a;color:#fff}
.navy{background:var(--navy);color:#fff}.navy:hover{background:var(--blue)}
.ghost{border-color:var(--navy);color:var(--navy)}.ghost:hover{background:var(--navy);color:#fff}
.hero{background:linear-gradient(160deg,#eaf3fd,#fff 60%);padding:56px 0 48px}
.hero .wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:center}
.eyebrow{color:var(--gold);font-weight:600;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
h1{font-size:clamp(2rem,4.2vw,3.1rem);line-height:1.15;color:var(--navy);margin:10px 0 16px}
.lead{color:var(--mute);font-size:1.05rem;max-width:46ch}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hero img{border-radius:20px;box-shadow:0 20px 50px rgba(11,42,92,.22)}
.slider{position:relative;width:100%;aspect-ratio:1/1;transition:height .5s ease;border-radius:20px;box-shadow:0 20px 50px rgba(11,42,92,.22);background:#eaf3fd;border-radius:20px;margin-bottom:48px}
.slide{position:absolute;inset:0;border-radius:20px;overflow:hidden;opacity:0;transition:opacity .7s ease;pointer-events:none}.slide.on{opacity:1;pointer-events:auto}
.slide::before,.slide::after{content:"";position:absolute;inset:0;background:var(--img) center/cover}
.slide::before{filter:blur(22px) brightness(1.05);transform:scale(1.15)}.slide::after{background-size:contain;background-repeat:no-repeat}
.slider .nav{position:absolute;top:auto;bottom:-44px;width:34px;height:34px;border-radius:50%;border:0;background:rgba(255,255,255,.88);color:var(--navy);font-size:1rem;cursor:pointer;box-shadow:0 4px 14px rgba(0,0,0,.2);z-index:2}
.slider .nav:hover{background:#fff}.prev{left:calc(50% - 86px)}.next{right:calc(50% - 86px)}
.dots{position:absolute;left:0;right:0;bottom:-18px;display:flex;justify-content:center;gap:8px;z-index:2}
.dots button{width:10px;height:10px;border-radius:50%;border:0;padding:0;background:rgba(11,42,92,.35);cursor:pointer}.dots button.on{background:var(--gold);width:26px;border-radius:6px}
.slider button:focus-visible,.slider:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.trust{background:var(--navy);color:#fff}.trust ul{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;list-style:none;padding:16px 0;font-size:.9rem;font-weight:500}
.trust li::before{content:"✓";color:var(--gold);font-weight:700;margin-right:8px}
section{padding:72px 0}.alt{background:var(--bg)}
h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);line-height:1.2}
.sub{color:var(--mute);margin:10px 0 36px;max-width:60ch}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 6px 20px rgba(11,42,92,.06)}
.card .ic{width:46px;height:46px;border-radius:12px;background:#eaf1fc;display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.card h3{font-size:1.08rem;color:var(--navy);margin-bottom:6px}.card p{font-size:.92rem;color:var(--mute)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split img{border-radius:18px;box-shadow:0 16px 40px rgba(11,42,92,.18);max-width:470px;margin:auto}
.ticks{list-style:none;padding:0;margin:18px 0 26px}.ticks li{padding-left:30px;position:relative;margin:10px 0}
.ticks li::before{content:"✓";position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;background:var(--gold);color:#fff;font-size:.72rem;display:grid;place-items:center;font-weight:700}
.small{font-size:.8rem;color:var(--mute);margin-top:14px;max-width:62ch}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;counter-increment:s}
.step::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:12px}
.step h3{font-size:1.05rem;color:var(--navy)}.step p{font-size:.92rem;color:var(--mute)}
.contact{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.contact a.card{text-decoration:none;transition:.15s}.contact a.card:hover{transform:translateY(-3px);border-color:var(--gold)}
.contact b{display:block;color:var(--navy);font-size:1.05rem;word-break:break-word}.contact span{font-size:.82rem;color:var(--mute)}
footer{background:var(--navy);color:#cbd8ee;padding:44px 0 28px;font-size:.84rem}
footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;align-items:center;margin-bottom:22px}
footer img{height:62px;background:#fff;padding:4px 8px;border-radius:10px}
footer nav a{color:#fff}footer p{border-top:1px solid rgba(255,255,255,.18);padding-top:18px;margin-top:8px;line-height:1.7}
.fab{position:fixed;right:18px;bottom:18px;z-index:20;box-shadow:0 8px 24px rgba(0,0,0,.25)}
@media(max-width:900px){.hero .wrap,.split{grid-template-columns:1fr}.grid{grid-template-columns:repeat(2,1fr)}.steps,.contact{grid-template-columns:1fr}section{padding:52px 0}}
@media(max-width:520px){.grid{grid-template-columns:1fr}.bar .wa{padding:10px 16px;font-size:.85rem}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

:root{--red:#9a020a}
.navy{background:var(--red);color:#fff}.navy:hover{background:#7a0108}
.ghost{border-color:var(--red);color:var(--red)}.ghost:hover{background:var(--red);color:#fff}
.step::before{background:var(--red)}
h3.ph{color:var(--red);font-size:1.3rem;margin:0 0 16px}
.partners{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.partner{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;text-align:center;box-shadow:0 6px 20px rgba(11,42,92,.06)}
.partner b{display:block;font-size:1.25rem;color:var(--ink);margin-bottom:4px}.partner span{font-size:.88rem;color:var(--mute)}
.pnote{font-size:.8rem;color:var(--mute);margin-top:14px}
@media(max-width:900px){.partners{grid-template-columns:1fr}}

h1,h2,.card h3,.step h3{color:var(--red)}.band h2{color:#fff}
footer{background:var(--red);color:#fbe6e6;text-align:center;padding:36px 0 30px}
footer p{border-top:1px solid rgba(255,255,255,.28);padding-top:20px;margin:22px 0 0;max-width:none;line-height:1.7}
footer .wrap{max-width:none;padding:0 clamp(20px,3vw,56px)}
.fcontact{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 34px}
.fcontact a{display:inline-flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:600;font-size:.98rem}
.fcontact a:hover{text-decoration:underline}
.fcontact a:focus-visible{outline:3px solid #f5c451;outline-offset:4px;border-radius:4px}
#nav{align-items:center;height:100%;gap:30px}
#nav>a,.has-sub>a{display:flex;align-items:center;gap:6px;height:76px}
#nav a[aria-current]{color:var(--gold)}
.has-sub{position:relative;height:76px;display:flex;align-items:center}
.caret{font-size:.7rem}
.dd{display:none;position:absolute;top:100%;left:-14px;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px rgba(11,42,92,.16);padding:8px;z-index:30}
.dd a{display:block;padding:10px 14px;border-radius:9px;white-space:nowrap;height:auto}.dd a:hover{background:var(--bg)}
.has-sub:hover .dd,.has-sub:focus-within .dd{display:block}
.menu-toggle{display:none;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--navy);font-size:1.3rem;cursor:pointer}
.trust{background:var(--red);color:#fff;overflow:hidden}.trust:hover .track{animation-play-state:paused}
.track{display:flex;width:max-content;animation:flow 34s linear infinite}
.track ul{display:flex;list-style:none;padding:0;margin:0}
.track li{padding:12px 30px;white-space:nowrap;font-size:.9rem;font-weight:500;display:flex;align-items:center}
.track li::before{content:"✦";color:#f5c451;margin-right:12px;font-size:.8rem}
@keyframes flow{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.track{animation:none;width:auto;justify-content:center;flex-wrap:wrap}.track ul[aria-hidden]{display:none}}
a.card{display:block;text-decoration:none;color:inherit;transition:.15s}a.card:hover{transform:translateY(-3px);border-color:var(--gold)}
.more{display:inline-block;margin-top:12px;font-weight:600;font-size:.88rem;color:var(--blue)}
.crumb{font-size:.84rem;color:var(--mute);margin-bottom:12px}.crumb a{color:var(--blue);text-decoration:none}
.pghero{background:linear-gradient(160deg,#eaf3fd,#fff 60%);padding:48px 0}
.pghero .wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:center}
.pghero img{width:100%;height:auto;border-radius:20px;box-shadow:0 20px 50px rgba(11,42,92,.22)}
.band{background:var(--navy);color:#fff;text-align:center;padding:48px 0}.band h2{color:#fff;margin-bottom:10px}.band p{color:#cbd8ee;margin-bottom:22px}
.note{background:var(--bg);border-left:4px solid var(--gold);padding:14px 18px;border-radius:8px;font-size:.88rem;color:var(--mute);margin-top:28px}
@media(max-width:900px){.pghero .wrap{grid-template-columns:1fr}.menu-toggle{display:inline-flex;margin-left:auto}
#nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;height:auto;gap:0;padding:6px 22px 16px;border-bottom:1px solid var(--line);box-shadow:0 14px 30px rgba(11,42,92,.12)}
#nav.open{display:flex}#nav>a,.has-sub>a{height:auto;padding:12px 0}.has-sub{height:auto;display:block}
.dd{display:block;position:static;border:0;box-shadow:none;padding:0 0 4px 14px;min-width:0}.dd a{padding:9px 6px}}

.wa{background:var(--red);color:#fff}.wa:hover{background:#7a0108;color:#fff}
a.more,.more{color:var(--red)}

.calc{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:22px;box-shadow:0 6px 20px rgba(11,42,92,.06)}
.calc summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:18px 24px;font-weight:700;font-size:1.15rem;color:var(--red)}
.calc summary::-webkit-details-marker{display:none}
.calc summary::after{content:"Hide ▴";font-size:.82rem;font-weight:600;color:var(--mute)}
.calc:not([open]) summary::after{content:"Show ▾"}
.calc summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:14px}
.cbody{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;padding:4px 24px 22px}
.fld{margin-bottom:16px}.fld label{display:flex;justify-content:space-between;gap:10px;font-size:.88rem;font-weight:600;color:var(--ink);margin-bottom:6px}
.fld .row{display:flex;gap:12px;align-items:center}
.fld input[type=number]{width:140px;padding:9px 12px;border:1px solid var(--line);border-radius:10px;font:inherit}
.fld input[type=range]{flex:1;accent-color:var(--red);min-width:0}
.res{background:var(--bg);border-radius:14px;padding:20px;align-self:start}
.res .big{font-size:1.9rem;font-weight:700;color:var(--red);line-height:1.25}
.res dl{margin:12px 0 0;display:grid;gap:8px}.res dl div{display:flex;justify-content:space-between;gap:10px;font-size:.92rem}
.res dt{color:var(--mute)}.res dd{margin:0;font-weight:600;text-align:right}
.pbar{height:10px;border-radius:6px;background:#f0c9cc;overflow:hidden;margin:14px 0 4px}.pbar i{display:block;height:100%;background:var(--red);width:0;transition:width .25s}
.types{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}.types label{cursor:pointer;position:relative}.types input{position:absolute;opacity:0}
.types span{display:inline-block;padding:9px 16px;border-radius:999px;border:2px solid var(--red);color:var(--red);font-weight:600;font-size:.9rem}
.types input:checked+span{background:var(--red);color:#fff}.types input:focus-visible+span{outline:3px solid var(--gold);outline-offset:2px}
.send{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px}
.send .row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.send .cc{padding:9px 12px;background:var(--bg);border:1px solid var(--line);border-radius:10px;font-weight:600}
.send input{padding:9px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;width:220px}
.send .btn{padding:10px 18px;font-size:.9rem;cursor:pointer;font-family:inherit}
.err{color:var(--red);font-size:.85rem;margin:8px 0 0;min-height:1.2em}
@media(max-width:900px){.cbody{grid-template-columns:1fr}.fld input[type=number]{width:120px}}

#nav>a,.has-sub>a,.dd a{color:var(--red)}#nav a:hover,.dd a:hover{color:#5c0006}#nav a[aria-current]{color:var(--red);text-decoration:underline;text-underline-offset:8px;text-decoration-thickness:2px}

:root{--hh:108px}
.bar{max-width:none;padding:0 clamp(14px,1.3vw,26px) 0 clamp(20px,3vw,56px);height:var(--hh)}
.bar img{height:90px}
#nav{gap:36px;font-size:1.04rem}
#nav>a,.has-sub>a,.has-sub{height:var(--hh)}
.hero .wrap{max-width:none;padding:0 clamp(20px,3vw,56px);grid-template-columns:minmax(360px,.8fr) 1.5fr;gap:56px}
.pghero .wrap{max-width:none;padding:0 clamp(20px,3vw,56px);grid-template-columns:minmax(340px,.85fr) 1.25fr}
@media(min-width:901px){.slider{width:calc(100% - 1.5cm);margin-left:auto;margin-right:auto}}
.slider.fill .slide::after{background-size:cover}
.wafab{position:fixed;right:20px;bottom:20px;z-index:40;width:62px;height:62px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.3);transition:.15s}
.wafab svg{width:32px;height:32px}.wafab:hover{background:#7a0108;transform:scale(1.06)}.wafab:focus-visible{outline:3px solid #f5c451;outline-offset:3px}
footer{padding-bottom:92px}
.plogo{height:84px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}.plogo img{max-height:72px;max-width:100%;width:auto}
.hero h1,.pghero h1{font-size:clamp(2rem,2.9vw,3.8rem)}.hero .lead,.pghero .lead{font-size:clamp(1.05rem,1.15vw,1.35rem);max-width:52ch}.hero .eyebrow{font-size:clamp(.8rem,.9vw,1rem)}.hero .btn{padding:14px 28px;font-size:1.02rem}
@media(max-width:900px){#nav{top:var(--hh)}.hero .wrap,.pghero .wrap{grid-template-columns:1fr}.bar img{height:66px}:root{--hh:86px}}