:root{
  --blue:#00209F; --blue-d:#00145f; --red:#D21034; --red-d:#a50c28;
  --ink:#14182b; --muted:#5b6275; --line:#e3e1da; --bg:#faf8f3; --card:#ffffff; --sun:#ffd23f;
  --ok:#0f7a3f; --err:#b3261e; --radius:14px;
  --font: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--blue)}
img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.small{font-size:.9rem}.muted{color:var(--muted)}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.header-row{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:1.25rem;letter-spacing:.04em}
.brand b{color:var(--blue)}
.flag{width:30px;height:22px;border-radius:4px;background:linear-gradient(var(--blue) 50%,var(--red) 50%);display:inline-block;box-shadow:inset 0 0 0 1px rgba(0,0,0,.08)}
.main-nav{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.main-nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.97rem}
.main-nav a[aria-current=page]{color:var(--blue);font-weight:700}
.main-nav .nav-cta{background:var(--red);color:#fff;padding:8px 14px;border-radius:999px}
.main-nav .nav-cta:hover{background:var(--red-d)}
.langs{display:flex;gap:4px;border-left:1px solid var(--line);padding-left:14px}
.langs a{font-size:.8rem;padding:3px 7px;border-radius:6px;color:var(--muted)}
.langs a.on{background:var(--blue);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;font-size:1.3rem;padding:4px 10px;cursor:pointer}
@media (max-width:860px){
  .menu-btn{display:block}
  .main-nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px;border-bottom:1px solid var(--line)}
  .main-nav.open{display:flex}
  .langs{border:0;padding:0}
}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(210,16,52,.35),transparent 60%),linear-gradient(135deg,var(--blue-d),var(--blue));color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-80px;bottom:-80px;width:340px;height:340px;border-radius:50%;border:44px solid rgba(255,255,255,.06)}
.kicker{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:4px 12px;border-radius:999px;font-size:.85rem;letter-spacing:.03em}
.hero h1{font-size:clamp(2rem,5vw,3.3rem);line-height:1.12;margin:18px 0 14px;max-width:16ch}
.hero p{font-size:1.15rem;max-width:58ch;opacity:.93}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:var(--red-d)}
.btn-ghost{border-color:rgba(255,255,255,.7);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-d)}
.btn:disabled{opacity:.6;cursor:wait}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:40px}
.trust div{background:rgba(255,255,255,.1);border-radius:10px;padding:12px 14px;font-size:.92rem;font-weight:600}
.trust div:before{content:"✓ ";color:var(--sun)}
@media (max-width:760px){.trust{grid-template-columns:1fr 1fr}}

/* sections */
section{padding:64px 0}
.sec-title{font-size:clamp(1.6rem,3.2vw,2.2rem);margin:0 0 6px;line-height:1.2}
.sec-sub{color:var(--muted);margin:0 0 30px;font-size:1.08rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
@media (max-width:900px){.grid3{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.grid3,.grid2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin:8px 0 6px;font-size:1.12rem}
.card p{margin:0;color:var(--muted);font-size:.97rem}
.ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;font-size:1.35rem;background:#eef1ff}
.card:nth-child(even) .ico{background:#ffeef1}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{counter-reset:s}
.steps .card{position:relative;padding-top:54px}
.steps .card:before{counter-increment:s;content:counter(s);position:absolute;top:18px;left:22px;width:28px;height:28px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem}
.join{background:linear-gradient(135deg,#fff7e0,#fff);border:1px solid #f1e2b4;border-radius:22px;padding:34px}
.checks{list-style:none;padding:0;margin:16px 0}
.checks li{padding-left:30px;position:relative;margin:9px 0}
.checks li:before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--blue);color:#fff;font-size:.8rem;display:grid;place-items:center}
.nofee{background:var(--blue);color:#fff;border-radius:12px;padding:14px 16px;font-weight:700}
.nofee:before{content:"⚠ ";color:var(--sun)}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p{margin:10px 0 0;color:var(--muted)}

/* forms */
.page-head{background:linear-gradient(135deg,var(--blue-d),var(--blue));color:#fff;padding:44px 0 36px}
.page-head h1{margin:0 0 6px;font-size:clamp(1.7rem,4vw,2.4rem)}
.page-head p{margin:0;opacity:.9}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin:-20px auto 50px;max-width:820px;position:relative}
.form fieldset{border:0;padding:0;margin:0 0 22px}
.form legend{font-weight:800;font-size:1.1rem;color:var(--blue);margin-bottom:10px;padding:0}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:620px){.row{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;margin-bottom:5px;font-size:.95rem}
.req:after{content:" *";color:var(--red)}
input:not([type]),input[type=text],input[type=email],input[type=tel],input[type=date],input[type=time],input[type=number],input[type=password],select,textarea{
  width:100%;padding:11px 12px;border:1px solid #cfccc3;border-radius:10px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,32,159,.18);border-color:var(--blue)}
textarea{min-height:110px;resize:vertical}
.help{font-size:.85rem;color:var(--muted);margin-top:4px}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opts label{display:flex;align-items:center;gap:7px;border:1px solid #d9d6cc;border-radius:999px;padding:7px 13px;font-weight:500;cursor:pointer;background:#fdfcf9;margin:0}
.opts input{accent-color:var(--blue)}
.consent{display:flex;gap:10px;align-items:flex-start;margin:10px 0;font-size:.95rem}
.consent input{margin-top:5px;accent-color:var(--blue);flex:none;width:18px;height:18px}
.alert{border-radius:12px;padding:14px 16px;margin:20px 0;font-weight:600}
.alert.ok{background:#e7f6ee;color:var(--ok);border:1px solid #bfe5cf}
.alert.err{background:#fdecea;color:var(--err);border:1px solid #f4c7c3}

/* legal */
.legal{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;margin:-20px auto 50px;max-width:860px;position:relative}
.legal h2{font-size:1.2rem;margin-top:28px;color:var(--blue)}
.legal li{margin:5px 0}

/* footer */
.site-footer{background:var(--ink);color:#d7d9e2;padding:46px 0 20px;margin-top:20px}
.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline}
.site-footer .brand{color:#fff}.site-footer .brand b{color:#9fb0ff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;line-height:2}
.footer-grid p{line-height:1.6}
.footer-legal{border-top:1px solid #2c3249;margin-top:24px;padding-top:14px;color:#9aa0b4}
@media (max-width:700px){.footer-grid{grid-template-columns:1fr}}