:root{--bg:#f6f8fb;--ink:#122033;--muted:#5b6778;--brand:#0b5fff;--dark:#101827;--line:#dbe4f0}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
header{display:flex;justify-content:space-between;align-items:center;padding:16px 6%;background:#fff;position:sticky;top:0;z-index:9;box-shadow:0 2px 12px #0001;gap:18px}
.brand{font-weight:800;font-size:17px}
nav{display:flex;align-items:center;flex-wrap:wrap;gap:4px}
nav a{margin-left:14px;color:var(--ink);text-decoration:none;font-size:15px}
.btn{display:inline-block;background:var(--brand);color:#fff!important;padding:12px 20px;border-radius:10px;text-decoration:none;border:0;font-weight:700;font-size:15px;cursor:pointer;text-align:center}
.btn.ghost{background:#fff;color:var(--brand)!important;border:1px solid #c9d7f0}
.hero{display:grid;grid-template-columns:1.6fr .9fr;gap:34px;padding:72px 6% 48px;align-items:center}
.hero h1{font-size:48px;line-height:1.08;margin:0 0 18px;letter-spacing:-.02em}
.tag{color:var(--brand);font-weight:800;text-transform:uppercase;letter-spacing:.09em;font-size:13px}
.lead{font-size:18px;color:#33445a}
.card,.panel{background:#fff;border-radius:22px;padding:30px;box-shadow:0 8px 28px #0000000d}
main section{margin:28px 6%}
h2{font-size:32px;margin:0 0 16px;letter-spacing:-.01em}
h3{margin:0 0 8px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:6px}
.grid>div,.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}
.dark{background:var(--dark);color:#fff;border-radius:0;padding:50px 6%;margin:0}
.dark h2{color:#fff}
.dark .grid>div{background:#1d2738;border-color:#2e3d55}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;list-style:none;padding:0;margin:10px 0 0}
.steps li{background:#eef3ff;padding:20px;border-radius:16px;font-weight:700;border:1px solid #d9e5ff}
.notice{background:#fff7e5;border:1px solid #ffd982;padding:18px 22px;border-radius:14px;color:#5f4a00}
.refs{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.refs a{background:#eef3ff;border:1px solid #d5e2ff;color:#0b5fff;text-decoration:none;padding:9px 14px;border-radius:10px;font-weight:700;font-size:14px}
footer{padding:26px 6%;color:var(--muted);font-size:14px;border-top:1px solid var(--line);background:#fff}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.form-grid .full{grid-column:1/-1}
label{display:block;font-weight:700;margin:10px 0 4px;font-size:14px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #cfdaea;border-radius:10px;font-size:16px;background:#fff;color:var(--ink)}
textarea{min-height:110px;resize:vertical}
.hidden{display:none}
.form-note{font-size:14px;color:var(--muted)}
.msg{padding:14px 16px;border-radius:10px;font-weight:700;display:none;margin-top:14px}
.msg.ok{display:block;background:#e4f6ec;color:#0a7d3c}
.msg.err{display:block;background:#fdeaea;color:#b3261e}
@media(max-width:850px){.hero,.grid,.steps,.form-grid{grid-template-columns:1fr}.hero h1{font-size:36px}nav{display:none}}