:root{--n:#0b4f8a;--t:#7cc4ea;--bg:#fff;--g:#f2f7fb;--tx:#1c2733}
*{box-sizing:border-box}body{margin:0;font:17px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:var(--tx);background:var(--bg)}
a{color:var(--n)}.w{max-width:1040px;margin:auto;padding:0 20px}
header{border-bottom:1px solid #dde4ea;position:sticky;top:0;background:#fff;z-index:9}
.top{display:flex;align-items:center;justify-content:space-between;padding:10px 0}
.brand{display:flex;gap:10px;align-items:center;font-weight:700;text-decoration:none;color:var(--n)}.brand img{width:38px;height:38px}
nav{display:none;flex-direction:column;padding-bottom:10px}nav.o{display:flex}nav a{padding:8px 0;text-decoration:none;font-size:15px}
#m{background:none;border:1px solid var(--n);border-radius:6px;padding:6px 12px;font-size:15px}
.btn{display:inline-block;background:var(--t);color:#fff!important;padding:12px 22px;border-radius:8px;text-decoration:none;font-weight:600;border:0;font-size:17px;cursor:pointer}
.hero{background:linear-gradient(135deg,var(--n),#2272b5);color:#fff;padding:56px 0}.hero h1{font-size:clamp(28px,5vw,44px);line-height:1.2;margin:0 0 14px}.hero p{max-width:680px;font-size:19px}
section{padding:40px 0}section:nth-of-type(even){background:var(--g)}h2{color:var(--n);font-size:26px;margin-top:0}
.grid{display:grid;gap:16px}.card{background:#fff;border:1px solid #dde4ea;border-radius:10px;padding:18px}
details{background:#fff;border:1px solid #dde4ea;border-radius:8px;padding:12px 16px;margin:8px 0}summary{cursor:pointer;font-weight:600}
label{display:block;margin:12px 0 4px;font-weight:600}input,select,textarea{width:100%;padding:11px;border:1px solid #9aa8b5;border-radius:6px;font:inherit}
footer{background:#083558;color:#cfd8e3;padding:32px 0;font-size:14px}footer a{color:#fff}
.hp{display:none}:focus-visible{outline:3px solid #f4a261;outline-offset:2px}
@media(min-width:900px){#m{display:none}nav{display:flex;flex-direction:row;gap:14px;padding:0}.grid{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}}.btn{background:var(--n)}.hero .btn{background:var(--t);color:#083558!important}
.hero{position:relative;overflow:hidden;padding-bottom:88px}.hero .w{position:relative;z-index:1}
.waves{position:absolute;left:0;right:0;bottom:0;height:80px;pointer-events:none}
.waves svg{position:absolute;bottom:0;left:0;width:200%;height:100%;animation:wv 26s linear infinite}
.waves svg+svg{height:65%;animation-duration:38s;animation-direction:reverse}
@keyframes wv{to{transform:translateX(-50%)}}
section{position:relative}
section:nth-of-type(even)::before,section.cta::before{content:"";position:absolute;left:0;right:0;top:-39px;height:40px;background:var(--g);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 40' preserveAspectRatio='none'%3E%3Cpath d='M0 22Q150 0 300 22T600 22T900 22T1200 22V40H0z'/%3E%3C/svg%3E") center/100% 100% no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 40' preserveAspectRatio='none'%3E%3Cpath d='M0 22Q150 0 300 22T600 22T900 22T1200 22V40H0z'/%3E%3C/svg%3E") center/100% 100% no-repeat}
section.cta{background:var(--n);color:#fff;padding:56px 0;margin-top:40px}section.cta::before{background:var(--n)}.cta h2{color:#fff}.cta .btn{background:var(--t);color:#083558!important}
.trust{background:var(--g);padding:16px 0;border-bottom:1px solid #dbe6f0}.trust .w{display:flex;flex-wrap:wrap;gap:8px 28px;justify-content:center;font-size:14px;font-weight:600;color:var(--n)}.trust span::before{content:"\2713  ";color:var(--n2)}
.card{border-top:4px solid var(--t);box-shadow:0 4px 14px rgba(11,79,138,.08);transition:transform .25s,box-shadow .25s}.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(11,79,138,.15)}
.card h3{margin:0 0 6px;color:var(--n)}.card p{margin:0}
.grid>.card::before{content:"";display:block;width:34px;height:34px;border-radius:50%;background:radial-gradient(circle,var(--n) 0 28%,var(--t) 31%);margin-bottom:10px}
.st .card::before{display:none}.st b{display:block;font-size:40px;line-height:1;color:var(--n2);font-family:Georgia,serif;margin-bottom:6px}
.ddb{background:none;border:0;font:inherit;font-size:15px;cursor:pointer;color:var(--n);padding:8px 0}
.dm{display:flex;flex-direction:column;padding-left:14px}nav .nb{padding:10px 18px;margin-top:6px;text-align:center;font-size:15px}
.call{position:fixed;right:14px;bottom:calc(14px + env(safe-area-inset-bottom,0px));background:var(--n);color:#fff!important;padding:12px 18px;border-radius:999px;box-shadow:0 6px 18px rgba(0,0,0,.25);text-decoration:none;font-weight:700;z-index:20}
.js .fx{opacity:0;transform:translateY(16px);transition:opacity .6s,transform .6s}.js .fx.in{opacity:1;transform:none}
@media(min-width:900px){header>.w{display:flex;align-items:center;justify-content:space-between}header .top{width:auto}nav{align-items:center}.call{display:none}
.dd{position:relative}.dm{display:none;position:absolute;top:100%;left:-10px;background:#fff;border:1px solid #dde4ea;border-radius:8px;box-shadow:0 10px 24px rgba(0,0,0,.12);min-width:270px;padding:8px}.dd:hover .dm,.dd:focus-within .dm{display:flex}.dm a{padding:8px 10px}nav .nb{margin:0}}
@media(prefers-reduced-motion:reduce){.waves svg{animation:none}.js .fx{opacity:1;transform:none;transition:none}.card{transition:none}}
section:nth-of-type(even)::before,section.cta::before{-webkit-mask-size:1600px 100%;mask-size:1600px 100%;-webkit-mask-repeat:repeat-x;mask-repeat:repeat-x;-webkit-mask-position:0 0;mask-position:0 0;animation:mv 45s linear infinite}
section.cta::before{animation-direction:reverse;animation-duration:55s}
@keyframes mv{to{-webkit-mask-position:1600px 0;mask-position:1600px 0}}
@media(prefers-reduced-motion:reduce){section:nth-of-type(even)::before,section.cta::before{animation:none}}