:root{
  --primary:#2F6F82;--secondary:#6B5FA8;--accent:#64A7B5;--bg:#F7FAFB;--ink:#142033;--muted:#667085;--line:#E3E8EC;--white:#fff;--ok:#197A4B;--danger:#B42318;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5}
a{color:var(--primary)}
.wrap{width:min(1160px,calc(100% - 32px));margin:0 auto}
.topbar{padding:20px 0;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:12px;font-weight:700;color:var(--ink);text-decoration:none}
.brand-mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--accent));display:grid;place-items:center;color:#fff;font-weight:800}
.brand small{display:block;color:var(--muted);font-weight:600;font-size:11px}
.hero{padding:48px 0 64px;background:radial-gradient(circle at 15% 10%,rgba(100,167,181,.16),transparent 38rem),linear-gradient(180deg,#fff,var(--bg))}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:48px;align-items:start}
.eyebrow{display:inline-flex;padding:7px 11px;border-radius:999px;background:rgba(47,111,130,.1);color:var(--primary);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
h1{font-size:clamp(38px,5vw,68px);line-height:1.02;letter-spacing:-.035em;margin:18px 0 18px;max-width:820px}
.lead{font-size:20px;color:#3d4a5f;max-width:760px;margin:0 0 22px}.copy{color:var(--muted);font-size:16px;max-width:740px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.chip{background:#fff;border:1px solid var(--line);padding:10px 13px;border-radius:12px;font-size:14px;color:#425066}
.form-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 18px 60px rgba(21,42,58,.10);position:sticky;top:18px}
.form-card h2{margin:0 0 8px;font-size:26px}.form-card p{margin:0 0 20px;color:var(--muted);font-size:14px}
.field{margin-bottom:14px}.field label{display:block;font-size:13px;font-weight:700;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;border:1px solid #ccd5dc;border-radius:12px;padding:13px 14px;font:inherit;background:#fff;color:var(--ink);outline:none}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(100,167,181,.12)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:12px;color:#596579;margin:12px 0}.check input{margin-top:3px}.check a{font-weight:700}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:14px 18px;background:var(--primary);color:#fff;font-weight:800;text-decoration:none;cursor:pointer}.btn:hover{filter:brightness(.95)}.btn.block{width:100%}.btn.ghost{background:#fff;color:var(--primary);border:1px solid var(--line)}
.section{padding:76px 0}.section.white{background:#fff}.section h2{font-size:34px;line-height:1.1;margin:0 0 12px}.section-sub{color:var(--muted);max-width:720px;margin:0 0 28px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.step-num{width:36px;height:36px;border-radius:12px;background:rgba(47,111,130,.1);color:var(--primary);display:grid;place-items:center;font-weight:800}.step h3{margin:16px 0 6px}.step p{margin:0;color:var(--muted)}
.callout{background:linear-gradient(135deg,var(--primary),#244f60);color:#fff;border-radius:26px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}.callout h2{color:#fff}.callout p{color:rgba(255,255,255,.82);margin:0}
.footer{padding:34px 0 48px;color:#667085;font-size:13px}.footer-row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer-links{display:flex;gap:16px;flex-wrap:wrap}
.notice{padding:12px 14px;border-radius:12px;font-size:13px;margin-bottom:14px}.notice.error{background:#FEF3F2;color:var(--danger);border:1px solid #FECDCA}.notice.ok{background:#ECFDF3;color:var(--ok);border:1px solid #ABEFC6}
.legal{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;margin:24px auto 60px;max-width:900px}.legal h1{font-size:38px}.legal h2{font-size:22px;margin-top:28px}.legal p,.legal li{color:#4d5b6e}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}.form-card{position:static}.steps{grid-template-columns:1fr}.callout{grid-template-columns:1fr}.hero{padding-top:26px}.section{padding:54px 0}.wrap{width:min(100% - 22px,1160px)}}