:root{--ink:#0f1a2b;--muted:#5b6678;--bg:#fbfaf7;--card:#fff;--line:#e7e3da;--accent:#e2643b;--deep:#12233f;--gold:#f3c969;--r:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accent)}h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.15;margin:0 0 .5em}h1{font-size:clamp(2.1rem,6vw,3.8rem)}h2{font-size:clamp(1.6rem,4vw,2.3rem)}h3{font-size:1.2rem}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:680px;margin:0 auto}
.top{position:sticky;top:0;z-index:9;background:rgba(251,250,247,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:66px}.logo{display:flex;gap:10px;align-items:center;font-weight:600;color:var(--ink);text-decoration:none}
.mark{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--deep);color:var(--gold);font-family:Fraunces,serif;font-weight:700}
nav{display:none}.burger{background:none;border:1px solid var(--line);border-radius:10px;font-size:20px;padding:4px 10px}
body.open nav{display:flex;flex-direction:column;position:absolute;top:66px;left:0;right:0;background:var(--bg);padding:16px 20px;gap:12px;border-bottom:1px solid var(--line)}
nav a{color:var(--ink);text-decoration:none;font-weight:500}nav a[aria-current]{color:var(--accent)}
@media(min-width:960px){nav{display:flex;gap:22px;align-items:center}.burger{display:none}}
.btn{display:inline-block;background:var(--accent);color:#fff;border:0;border-radius:999px;padding:14px 24px;font:600 1rem Inter;text-decoration:none;cursor:pointer;transition:transform .15s}.btn:hover{transform:translateY(-2px)}
.btn.sm{padding:9px 16px;color:#fff!important}.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#f6d8c4 0,transparent 60%),linear-gradient(180deg,var(--deep),#1b3157);color:#fff;padding:72px 0 80px}
.hero .lead{font-size:1.15rem;max-width:640px;color:#d8deea}.hero a{color:var(--gold)}.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;color:var(--gold);font-weight:600}
.hero .btn.ghost{color:#fff;border-color:#fff}.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.sec{padding:64px 0}.sec.alt{background:#f2efe8}.sub{color:var(--muted);max-width:640px}
.cards{display:grid;gap:18px;grid-template-columns:1fr;margin-top:24px}@media(min-width:720px){.cards{grid-template-columns:repeat(3,1fr)}.cards.four{grid-template-columns:repeat(2,1fr)}}@media(min-width:1000px){.cards.four{grid-template-columns:repeat(4,1fr)}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 1px 0 rgba(0,0,0,.02)}.card p{color:var(--muted);margin:0}
.steps{list-style:none;padding:0;display:grid;gap:14px;counter-reset:s}@media(min-width:800px){.steps:not(.v){grid-template-columns:repeat(4,1fr)}}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;display:flex;flex-direction:column;gap:4px}.steps span{color:var(--muted)}
.note{font-size:.88rem;color:var(--muted);border-left:3px solid var(--gold);padding:8px 14px;margin:28px 0}
.form{display:flex;flex-direction:column;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.form label{display:flex;flex-direction:column;gap:6px;font-weight:500}input,select,textarea{font:inherit;padding:12px 14px;border:1px solid #d6d1c6;border-radius:12px;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);border-color:transparent}
.form label.opt,.form label.consent{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400}.opt{border:1px solid var(--line);border-radius:12px;padding:12px 14px;cursor:pointer}.opt:has(input:checked){border-color:var(--accent);background:#fff5f0}
.consent{font-size:.9rem;color:var(--muted)}.hp{position:absolute;left:-9999px}.err{color:#b42318;margin:0;min-height:1em}
fieldset{border:0;padding:0;margin:0;display:none;flex-direction:column;gap:10px}fieldset.active{display:flex}legend{font-family:Fraunces,serif;font-size:1.35rem;margin-bottom:10px}
.form:not(#quiz) fieldset{display:flex}.row{display:flex;gap:10px;justify-content:space-between}
.progress{height:6px;background:#eee;border-radius:9px;overflow:hidden}.progress span{display:block;height:100%;width:25%;background:var(--accent);transition:width .3s}
.result h3{font-size:1.6rem}.split{display:grid;gap:24px}@media(min-width:860px){.split{grid-template-columns:3fr 2fr}}
table{width:100%;border-collapse:collapse;font-size:.92rem}th,td{border:1px solid var(--line);padding:10px;text-align:left}th{background:#f2efe8}
.legal h2{font-size:1.3rem;margin-top:1.6em}.muted{color:var(--muted)}
footer{background:var(--deep);color:#c9d1df;padding:48px 0 24px}footer a{color:#e8ecf3;text-decoration:none;display:block;margin:4px 0}footer .logo{color:#fff}footer h4{color:var(--gold);margin:0 0 8px}footer .muted{color:#9aa6ba}
.fgrid{display:grid;gap:24px;grid-template-columns:1fr 1fr}@media(min-width:800px){.fgrid{grid-template-columns:2fr 1fr 1fr 1fr}}.fine{font-size:.8rem;color:#8e9ab0;border-top:1px solid #2a3d60;margin-top:28px;padding-top:16px}