:root{--brand:#0B2A5B;--brand2:#1A3F7A;--accent:#D2202F;--accent-ink:#ffffff;--foot:#0B2A5B;--ink:#1d2433;--muted:#5b6475;--bg:#f6f7fb;--card:#fff;--line:#e3e6ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.logo-slot{width:44px;height:44px;border-radius:10px;border:2px dashed var(--brand);display:grid;place-items:center;font-size:10px;font-weight:700;color:var(--brand);letter-spacing:.5px;background:#fafbff}
.brand b{font-size:20px;letter-spacing:.3px}.brand small{display:block;color:var(--muted);font-size:12px;font-weight:500}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}
nav a:hover,nav a.on{background:var(--bg);color:var(--brand)}
nav a.cta{background:var(--accent);color:var(--accent-ink)}nav a.cta:hover{filter:brightness(.95);color:var(--accent-ink);background:var(--accent)}
.hero{background:linear-gradient(135deg,var(--brand) 0%,var(--brand2) 100%);color:#fff;padding:72px 0 64px}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.15;margin:0 0 16px;max-width:820px}
.hero p.lead{font-size:clamp(17px,2.2vw,20px);max-width:720px;opacity:.95;margin:0 0 28px}
.eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:700;opacity:.85;margin-bottom:10px}
.btn{display:inline-block;padding:13px 22px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid transparent;margin:0 10px 10px 0}
.btn.primary{background:var(--accent);color:var(--accent-ink)}.btn.ghost{border-color:rgba(255,255,255,.7);color:#fff}
.btn.dark{background:var(--brand);color:#fff}
section{padding:56px 0}section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(24px,3.4vw,32px);line-height:1.2;margin:0 0 12px}h3{margin:0 0 8px;font-size:19px}
.sub{color:var(--muted);max-width:760px;margin:0 0 28px}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 1px 2px rgba(16,24,40,.04)}
.card p{margin:0;color:var(--muted)}
.card .ico{width:40px;height:40px;border-radius:10px;background:var(--bg);color:var(--brand);display:grid;place-items:center;font-weight:800;margin-bottom:12px}
.steps{counter-reset:s;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps .card:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-weight:800;margin-bottom:10px}
.prose{max-width:800px}.prose h2{margin-top:36px}.prose ul{padding-left:22px}.prose li{margin:6px 0}
.topnote{background:#fff;border-bottom:1px solid var(--line);color:var(--ink);font-size:14px;padding:10px 0;text-align:center}.topnote strong{color:var(--accent)}
.note{background:#fff8e6;border:1px solid #f3dca0;border-radius:12px;padding:16px 18px;font-size:15px;color:#5a4a1f}
.pill{display:inline-block;background:var(--bg);color:var(--brand);border-radius:999px;padding:4px 12px;font-size:13px;font-weight:700;margin:0 6px 6px 0}
.soon{border:2px dashed var(--accent);background:#fff}
form.lead{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;max-width:760px}
.row{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
label{display:block;font-weight:600;font-size:15px;margin:0 0 6px}
input,select,textarea{width:100%;padding:12px;border:1px solid #c9cfdb;border-radius:10px;font:inherit;font-size:16px;background:#fff;margin-bottom:16px}
textarea{min-height:100px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.check input{width:auto;margin-top:4px}
button.submit{background:var(--accent);color:var(--accent-ink);border:0;padding:14px 24px;border-radius:10px;font-weight:700;font-size:17px;cursor:pointer}
.formmsg{display:none;margin-top:14px;padding:14px;border-radius:10px;background:#eef6ff;border:1px solid #bcd7ff;font-size:15px}.formmsg.ok{background:#ecf8ef;border-color:#9fd5ad;color:#14532d}.formmsg.err{background:#fdecec;border-color:#f1a7a7;color:#7f1d1d}button.submit:disabled{opacity:.6;cursor:wait}
footer.site{background:var(--foot);color:#c7cdda;padding:40px 0;font-size:14px}
footer.site a{color:#fff}footer.site .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
footer.site .disc{border-top:1px solid #2a3245;margin-top:28px;padding-top:20px;color:#9aa3b5;font-size:13px}
.brand img.logo{height:52px;width:auto;display:block}.flogo{height:56px;width:auto;margin-bottom:10px}
@media(max-width:700px){.brand img.logo{height:40px}}
@media(max-width:700px){header.site .wrap{padding:10px 20px}nav ul{gap:0}nav a{padding:6px 9px;font-size:14px}.hero{padding:48px 0}}

.annbar{background:var(--accent);color:#fff;font-size:14px;padding:8px 0;text-align:center}.annbar a{color:#fff;font-weight:700}
.hero.small{padding:40px 0 32px}.hero .consult{background:#fff;color:var(--ink);border-radius:14px;padding:20px 22px;max-width:520px;margin-top:8px}.hero .consult h2{font-size:20px;margin:0 0 6px}.hero .consult p{margin:0 0 12px;color:var(--muted)}
aside .consult{background:var(--brand);color:#fff;border-radius:14px;padding:20px;margin-bottom:16px}aside .consult h2{font-size:20px}aside .consult p{opacity:.9}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px;align-items:start}aside .card{margin-bottom:16px}
@media(max-width:900px){.layout{grid-template-columns:1fr}}
.updated{color:var(--muted);font-size:14px}.newsbox .inline{display:flex;gap:8px}.newsbox .inline input{margin:0}.newsbox .submit{padding:10px 16px;font-size:15px;white-space:nowrap}
.countdown{background:var(--brand);color:#fff;border:0}.countdown p,.countdown label{color:#e6ebf5}
a.card{text-decoration:none;color:var(--ink)}a.card:hover{border-color:var(--accent)}
.tbl{border-collapse:collapse;width:100%}.tbl td,.tbl th{border:1px solid var(--line);padding:8px 10px;text-align:left}
.sources{margin-top:36px;border-top:1px solid var(--line);padding-top:16px}.sources h3{font-size:17px}
.calc .out{margin-top:14px;font-size:17px;font-weight:600;color:var(--brand)}.calc{margin-bottom:24px}
.upd{border-bottom:1px solid var(--line);padding:14px 0}.upd h3{font-size:18px}.upd .date{color:var(--muted);font-size:14px;margin:2px 0}
.calslot{border:2px dashed var(--brand2);background:#fff}
nav a{padding:7px 9px;font-size:14.5px}
.funnel{padding:40px 0 8px}.funnelform{display:grid;gap:14px}
.fstep{border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:0;transition:opacity .2s}
.fstep legend{font-weight:800;font-size:17px;padding:0 6px}.fstep .num{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;font-size:14px;margin-right:6px}
.funnelform.js .fstep.locked{opacity:.45;pointer-events:none}
.stages{display:grid;gap:8px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.stage{display:flex;gap:10px;align-items:center;border:1px solid var(--line);border-radius:10px;padding:10px 12px;font-weight:500;cursor:pointer;margin:0}.stage input{width:auto;margin:0}
.stage:has(input:checked){border-color:var(--brand);background:#eef3fb}
.cdcta{border:2px solid var(--accent)}
.cddisplay{background:var(--brand);color:#fff;border-radius:16px;padding:24px;margin-bottom:24px;max-width:760px}
.cddisplay .cdhello{font-size:20px;font-weight:800;margin:0 0 12px}.cdnums{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;text-align:center}
.cdnums div{background:rgba(255,255,255,.1);border-radius:12px;padding:12px 4px}.cdnums b{display:block;font-size:clamp(24px,5vw,40px);line-height:1.1}.cdnums span{font-size:13px;opacity:.85}
.cddisplay .cdtarget{margin:14px 0 4px}.cddisplay .cdnote{font-size:13px;opacity:.85;margin:0}.cddisplay a{color:#fff}
.check.sms{margin-bottom:14px}