:root {
  --bg: #f6f7f8;
  --bg-soft: #ffffff;
  --card: #ffffff;
  --card-strong: #ffffff;
  --text: #151922;
  --muted: #5f6875;
  --line: rgba(0, 81, 186, 0.14);
  --accent: #006FFF;
  --accent-2: #2f77e0;
  --accent-3: #0051BA;
  --shadow: 0 24px 80px rgba(0, 81, 186, 0.10);
  --radius-xl: 32px;
  --radius-lg: 24px;
  --radius-md: 18px;
  --radius-sm: 14px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  font-family: "Segoe UI", Tahoma, Arial, sans-serif;
  background:
    radial-gradient(circle at top left, rgba(0, 81, 186, 0.08), transparent 32%),
    radial-gradient(circle at top right, rgba(0, 81, 186, 0.05), transparent 28%),
    linear-gradient(180deg, #f6f7f8 0%, #f6f7f8 100%);
  min-height: 100vh;
  line-height: 1.65;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
  display: block;
}

nav {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 18px 5vw;
  backdrop-filter: blur(18px);
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(0, 81, 186, 0.08);
  box-shadow: 0 8px 24px rgba(0, 81, 186, 0.04);
}

.nav-toggle {
  display: none;
  border: 1px solid rgba(0, 81, 186, 0.12);
  background: #fff;
  color: var(--accent);
  border-radius: 999px;
  padding: 10px 14px;
  font: inherit;
  font-weight: 800;
}

.nav-brand,
.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  letter-spacing: 0.01em;
}

nav .nav-brand {
  color: var(--text);
}

.nav-logo,
.footer-logo {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  color: #fff;
  box-shadow: 0 12px 24px rgba(0, 81, 186, 0.20);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.nav-links a {
  padding: 10px 14px;
  border-radius: 999px;
  color: var(--text);
  transition: transform 0.25s ease, background 0.25s ease, color 0.25s ease;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--accent);
  background: rgba(0, 81, 186, 0.06);
  transform: translateY(-1px);
}

.nav-cta,
.btn-primary,
.cta-phone {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--accent), #003b87);
  color: white !important;
  box-shadow: 0 14px 34px rgba(0, 81, 186, 0.22);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.btn-primary.btn-outline {
  background: #fff;
  color: var(--accent) !important;
  border: 2px solid var(--accent);
  box-shadow: none;
}

.btn-primary.btn-outline:hover {
  background: rgba(0, 81, 186, 0.06);
  box-shadow: 0 18px 42px rgba(0, 81, 186, 0.18);
}

.btn-primary.btn-outline .btn-icon {
  filter: none;
}

.btn-icon {
  width: 1em;
  height: 1em;
  flex: 0 0 auto;
}

.inline-icon {
  width: 1em;
  height: 1em;
  flex: 0 0 auto;
}

.card-icon {
  width: 22px;
  height: 22px;
  object-fit: contain;
}

.nav-cta:hover,
.btn-primary:hover,
.cta-phone:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 42px rgba(0, 81, 186, 0.28);
}

.btn-primary,
.btn-ghost {
  padding: 15px 24px;
  font-weight: 700;
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: #fff;
  border: 1px solid rgba(0, 81, 186, 0.14);
  color: var(--text);
  transition: transform 0.25s ease, background 0.25s ease;
}

.btn-ghost:hover {
  transform: translateY(-2px);
  background: white;
}

.hero,
.section-inner,
.article-hero-inner {
  width: min(1140px, 90vw);
  margin: 0 auto;
}

.hero {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 28px;
  padding: 74px 0 28px;
  align-items: center;
}

.hero-left,
.hero-right,
.feature-text,
.feature-img,
.step-card,
.faq-item,
.contact-card,
.article-card {
  animation: rise 0.7s ease both;
}

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero-badge,
.section-label,
.card-tag,
.article-tag,
.step-num {
  display: inline-flex;
  width: fit-content;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(0, 81, 186, 0.08);
  color: var(--accent-3);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.hero h1,
.section-title,
.feature-title,
.article-title,
.cta-title {
  margin: 12px 0;
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.hero h1 {
  font-size: clamp(3rem, 7vw, 5.2rem);
}

.hero h1 em {
  font-style: normal;
  color: var(--accent);
}

.hero-desc,
.section-desc,
.feature-desc,
.cta-sub,
.cta-note,
.card-summary,
.step-desc,
.contact-desc,
.footer-meta,
.faq-a {
  color: var(--muted);
}

.hero-desc {
  max-width: 62ch;
  font-size: 1.05rem;
}

.hero-btns,
.hero-trust,
.steps-grid,
.articles-grid,
.contact-grid {
  display: grid;
  gap: 16px;
}

.hero-btns {
  grid-auto-flow: column;
  justify-content: start;
  margin: 26px 0 22px;
  grid-template-columns: repeat(4, max-content);
}

.hero-trust {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.trust-item,
.stat-item,
.step-card,
.contact-card,
.article-card,
.faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  font-weight: 700;
}

.trust-icon,
.step-icon,
.ph,
.why-icon {
  width: 40px;
  height: 40px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: rgba(0, 81, 186, 0.08);
}

.hero-right .hero-img,
.feature-img {
  min-height: 420px;
  border-radius: var(--radius-xl);
  background:
    linear-gradient(135deg, rgba(0, 81, 186, 0.96), rgba(47, 119, 224, 0.9)),
    linear-gradient(180deg, rgba(255,255,255,0.2), rgba(255,255,255,0));
  color: white;
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  gap: 8px;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.hero-right .hero-img::before,
.feature-img::before,
.cta-section::before,
.article-hero-wrap::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top right, rgba(255,255,255,0.24), transparent 28%),
    radial-gradient(circle at bottom left, rgba(255,255,255,0.12), transparent 26%);
  pointer-events: none;
}

.hero-right strong,
.hero-right span,
.feature-img strong,
.feature-img span {
  position: relative;
  z-index: 1;
}

.hero-right strong,
.feature-img strong {
  font-size: 1.1rem;
}

.stat-bar,
.cta-section,
footer,
.article-hero-wrap {
  width: 100%;
}

.stat-bar {
  padding: 20px 0 8px;
}

.stat-bar-inner {
  width: min(1140px, 90vw);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.stat-item {
  padding: 22px 20px;
  text-align: center;
}

.stat-num {
  font-size: 2rem;
  font-weight: 900;
  color: var(--accent);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  align-items: start;
}

.why-panel {
  border-radius: var(--radius-xl);
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 28px;
}

.why-panel.hero-copy {
  display: grid;
  gap: 18px;
}

.why-grid-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.why-card {
  padding: 18px;
  border-radius: 22px;
  background: #fff;
  border: 1px solid rgba(0,81,186,0.12);
}

.why-card h3 {
  margin: 10px 0 8px;
  font-size: 1rem;
}

.why-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.why-visual {
  min-height: 460px;
  border-radius: var(--radius-xl);
  background:
    linear-gradient(180deg, rgba(255,255,255,0.95), rgba(255,255,255,0.72)),
    radial-gradient(circle at bottom, rgba(0,81,186,0.16), transparent 40%);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  display: grid;
  place-items: center;
  padding: 28px;
}

.why-visual .placeholder {
  width: 100%;
  height: 100%;
  min-height: 400px;
  border-radius: 26px;
  background:
    linear-gradient(135deg, rgba(0,81,186,0.12), rgba(255, 207, 84, 0.2)),
    #fff;
  display: grid;
  place-items: center;
  text-align: center;
  padding: 28px;
}

.why-visual .placeholder strong {
  font-size: clamp(1.6rem, 4vw, 2.6rem);
  line-height: 1.1;
  max-width: 12ch;
}

.why-visual .placeholder span {
  color: var(--muted);
  max-width: 28ch;
}

.stat-label {
  color: var(--muted);
}

.section {
  padding: 84px 0;
}

.section-alt {
  background: rgba(255, 255, 255, 0.42);
}

.section-inner {
  display: grid;
  gap: 22px;
}

.section-title,
.feature-title,
.cta-title,
.article-title {
  font-size: clamp(2rem, 4.5vw, 3.5rem);
}

.section-desc {
  max-width: 68ch;
}

.feature-row {
  display: grid;
  grid-template-columns: 1fr 0.9fr;
  gap: 22px;
  align-items: center;
  padding: 24px;
  border-radius: var(--radius-xl);
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.feature-row.reverse {
  grid-template-columns: 0.9fr 1fr;
}

.feature-row.reverse .feature-text {
  order: 2;
}

.feature-row.reverse .feature-img {
  order: 1;
}

.feature-list,
.faq-list,
footer .footer-links,
.article-body-wrap ul,
.article-body-wrap ol {
  padding-left: 18px;
}

.feature-list li,
.article-body-wrap li {
  margin: 10px 0;
}

.steps-grid,
.articles-grid,
.contact-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.step-card,
.contact-card,
.article-card {
  padding: 22px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.step-card:hover,
.contact-card:hover,
.article-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 28px 64px rgba(0, 81, 186, 0.14);
}

.step-icon,
.contact-icon {
  margin-bottom: 16px;
  font-size: 1.2rem;
}

.step-title,
.card-title,
.contact-value {
  font-weight: 800;
  line-height: 1.25;
}

.step-title {
  font-size: 1.15rem;
  margin: 10px 0 12px;
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-item {
  overflow: hidden;
}

.faq-q {
  width: 100%;
  border: 0;
  background: transparent;
  padding: 20px 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  font: inherit;
  font-weight: 800;
  color: var(--text);
  cursor: pointer;
}

.faq-arrow {
  transition: transform 0.25s ease;
}

.faq-item.open .faq-arrow {
  transform: rotate(180deg);
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  padding: 0 22px;
  transition: max-height 0.32s ease, padding 0.32s ease;
}

.faq-item.open .faq-a {
  max-height: 280px;
  padding: 0 22px 20px;
}

.articles-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.article-card {
  display: grid;
  gap: 14px;
}

.card-img-placeholder {
  border-radius: 20px;
  min-height: 190px;
  display: grid;
  place-items: center;
  font-size: 2rem;
  background:
    linear-gradient(135deg, rgba(0, 81, 186, 0.92), rgba(47, 119, 224, 0.82)),
    var(--accent);
  color: white;
  overflow: hidden;
}

.card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.card-body {
  display: grid;
  gap: 10px;
}

.article-hero-wrap {
  position: relative;
  padding: 72px 0 20px;
}

.article-hero-inner {
  position: relative;
  z-index: 1;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 34px;
  box-shadow: var(--shadow);
}

.breadcrumb,
.article-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.breadcrumb {
  color: var(--muted);
  margin-bottom: 10px;
}

.article-body-wrap {
  width: min(840px, 90vw);
  margin: 24px auto 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 34px;
  box-shadow: var(--shadow);
}

.article-body-wrap h2 {
  margin-top: 34px;
  margin-bottom: 12px;
  font-size: 1.55rem;
}

.article-body-wrap table {
  width: 100%;
  border-collapse: collapse;
  margin: 18px 0;
  overflow: hidden;
  border-radius: 18px;
}

.article-body-wrap th,
.article-body-wrap td {
  border: 1px solid var(--line);
  padding: 14px;
  text-align: left;
}

.article-body-wrap th {
  background: rgba(0, 81, 186, 0.08);
}

.highlight {
  padding: 18px 20px;
  border-radius: 18px;
  background: rgba(0, 81, 186, 0.08);
  border: 1px solid rgba(0, 81, 186, 0.14);
  margin: 18px 0;
}

.cta-section {
  position: relative;
  width: min(1140px, 90vw);
  margin: 20px auto 0;
  padding: 56px 24px;
  border-radius: var(--radius-xl);
  background: #fff;
  border: 2px solid var(--accent);
  color: var(--text);
  text-align: center;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.cta-section .btn-primary,
.cta-section .cta-phone {
  margin-top: 8px;
}

.cta-title {
  color: var(--text);
}

.cta-sub,
.cta-note,
.footer-meta {
  color: var(--muted);
}

.cta-note {
  margin-top: 10px;
}

footer {
  display: grid;
  place-items: center;
  gap: 12px;
  padding: 34px 5vw 96px;
  text-align: center;
  color: var(--muted);
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
}

.sticky {
  position: fixed;
  left: 50%;
  bottom: 18px;
  transform: translate(-50%, 120%);
  opacity: 0;
  width: min(1140px, 90vw);
  padding: 14px 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
  transition: transform 0.3s ease, opacity 0.3s ease;
  z-index: 60;
}

.sticky.show {
  transform: translate(-50%, 0);
  opacity: 1;
}

@media (max-width: 980px) {
  nav,
  .hero,
  .feature-row,
  .feature-row.reverse,
  .stat-bar-inner,
  .steps-grid,
  .articles-grid,
  .contact-grid,
  .sticky {
    grid-template-columns: 1fr;
  }

  nav,
  .hero,
  .feature-row,
  .sticky {
    display: grid;
  }

  .hero-btns {
    grid-auto-flow: row;
    grid-template-columns: 1fr;
  }

  .hero-trust,
  .stat-bar-inner,
  .steps-grid,
  .articles-grid,
  .contact-grid,
  .why-grid,
  .why-grid-cards {
    grid-template-columns: 1fr 1fr;
  }

  .hero {
    padding-top: 44px;
  }

  .hero-right .hero-img,
  .feature-img {
    min-height: 340px;
  }
}

@media (max-width: 640px) {
  nav {
    grid-template-columns: 1fr auto;
    align-items: start;
    padding: 14px 4vw;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .nav-links {
    grid-column: 1 / -1;
    display: none;
    gap: 6px;
    padding-top: 10px;
  }

  nav.menu-open .nav-links {
    display: grid;
  }

  .nav-links a,
  .nav-cta {
    width: 100%;
    justify-content: center;
  }

  .hero,
  .section,
  .article-hero-wrap {
    width: 100%;
  }

  .hero,
  .section {
    padding-left: 0;
    padding-right: 0;
  }

  .hero,
  .feature-row,
  .article-hero-inner,
  .article-body-wrap,
  .cta-section {
    width: min(92vw, 100%);
  }

  .hero-trust,
  .stat-bar-inner,
  .steps-grid,
  .articles-grid,
  .contact-grid,
  .why-grid,
  .why-grid-cards {
    grid-template-columns: 1fr;
  }

  .article-hero-inner,
  .article-body-wrap {
    padding: 22px;
  }

  .sticky {
    border-radius: 24px;
    left: 4vw;
    right: 4vw;
    transform: translateY(120%);
    width: auto;
  }

  .sticky.show {
    transform: translateY(0);
  }
}