:root{
  --navy:#0c2f63; --navy-2:#0e3a78; --navy-d:#082247;
  --teal:#13a89e; --teal-d:#0e7e77;
  --bg:#f5f8fc; --surface:#ffffff;
  --ink:#14233b; --muted:#5c6b82; --line:#e2e8f1;
  --danger:#c23b2e; --danger-bg:#fdecea;
  --ok:#15803d; --ok-bg:#e9f6ee;
  --warn-bg:#fff6e6; --warn:#9a6300;
  --r:12px; --r-lg:16px; --r-xl:22px;
  --wrap:1120px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"PT Sans",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{line-height:1.2;margin:0;font-weight:700}
h1{font-size:clamp(30px,4.5vw,46px);letter-spacing:-.02em}
h2{font-size:clamp(24px,3vw,32px);letter-spacing:-.01em}
p{margin:0}
a{color:var(--navy-2);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sec{padding:56px 0}
.sec__head{max-width:720px;margin:0 0 28px}
.sec__eyebrow{color:var(--teal-d);font-weight:600;font-size:14px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.sec__sub{color:var(--muted);margin-top:10px;font-size:17px}

.btn{display:inline-flex;align-items:center;gap:8px;border:1px solid transparent;border-radius:var(--r);padding:13px 22px;font-size:16px;font-weight:600;cursor:pointer;font-family:inherit;transition:.15s;text-decoration:none}
.btn--primary{background:var(--navy);color:#fff}
.btn--primary:hover{background:var(--navy-2);text-decoration:none}
.btn--accent{background:var(--teal);color:#fff}
.btn--accent:hover{background:var(--teal-d);text-decoration:none}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{background:#fff;text-decoration:none}
.btn--lg{padding:16px 28px;font-size:18px}
.btn[disabled]{opacity:.55;cursor:default}

/* header */
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.hdr__inner{display:flex;align-items:center;gap:20px;height:64px}
.hdr__logo{display:flex;align-items:center;gap:9px;font-weight:700;color:var(--navy);font-size:19px}
.hdr__logo:hover{text-decoration:none}
.hdr__nav{display:flex;gap:22px;margin-left:auto}
.hdr__nav a{color:var(--ink);font-size:15px;font-weight:500}
.hdr__nav a:hover{color:var(--navy-2);text-decoration:none}
.hdr__cta{margin-left:4px}

/* hero */
.hero{background:linear-gradient(180deg,#eef3fb 0%,var(--bg) 100%);padding:60px 0 48px}
.hero__inner{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero__sub{color:var(--muted);font-size:19px;margin:18px 0 26px;max-width:520px}
.hero__cta{display:flex;gap:12px;flex-wrap:wrap}
.hero__badges{display:flex;gap:18px;flex-wrap:wrap;margin-top:22px;color:var(--muted);font-size:14px}
.hero__badges b{color:var(--ink);font-weight:600}
.hero__art{display:flex;justify-content:center}
.shield{width:240px;height:auto;filter:drop-shadow(0 12px 30px rgba(12,47,99,.18))}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.card--risk .risk__amount{color:var(--danger);font-weight:700;font-size:24px;margin-bottom:4px}
.card--risk .risk__label{color:var(--ink);font-weight:500}
.card--risk .risk__art{font-size:12px;color:var(--muted);margin-top:6px}

/* quiz */
.quiz{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-xl);padding:30px;max-width:760px}
.quiz__bar{height:6px;background:#eef2f8;border-radius:99px;overflow:hidden;margin-bottom:20px}
.quiz__bar > i{display:block;height:100%;width:0;background:var(--teal);border-radius:99px;transition:width .3s}
.quiz__step{color:var(--muted);font-size:14px;margin-bottom:8px}
.quiz__q{font-size:21px;font-weight:700;margin-bottom:18px}
.opt{display:flex;align-items:center;gap:10px;width:100%;text-align:left;border:1.5px solid var(--line);background:#fff;border-radius:var(--r);padding:14px 16px;margin:9px 0;cursor:pointer;font-size:16px;color:var(--ink);font-family:inherit;transition:.12s}
.opt:hover{border-color:#c4d2e6;background:#f8fbff}
.opt.sel{border-color:var(--teal);background:#effbfa;color:var(--teal-d);font-weight:600}
.quiz__nav{display:flex;justify-content:space-between;margin-top:18px}
.result{background:var(--ok-bg);border:1px solid #cdead6;border-radius:var(--r-lg);padding:22px}
.result.is-stop{background:var(--warn-bg);border-color:#f0dcae}
.result__eyebrow{font-size:13px;color:var(--ok);font-weight:600}
.result.is-stop .result__eyebrow{color:var(--warn)}
.result__pkg{font-size:20px;font-weight:700;margin:2px 0 8px}
.result__price{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap}
.result__price b{font-size:30px;color:var(--ok);font-weight:700}
.result.is-stop .result__price b{color:var(--warn)}
.result__hint{color:var(--muted);font-size:14px}
.result__urgent{font-size:14px;color:var(--muted);margin-top:8px}
.found{margin-top:18px;border-top:1px solid var(--line);padding-top:14px}
.found__t{font-weight:600;font-size:14px;margin-bottom:8px}
.found__i{font-size:15px;margin:5px 0;display:flex;gap:8px;align-items:flex-start}
.found__i .dot{color:var(--danger);font-weight:700}

/* lead form */
.lead{margin-top:18px;border-top:1px solid var(--line);padding-top:18px}
.lead__t{font-weight:700;font-size:17px;margin-bottom:12px}
.field{margin-bottom:12px}
.field input[type=text],.field input[type=tel],.field input[type=email]{width:100%;border:1.5px solid var(--line);border-radius:var(--r);padding:12px 14px;font-size:16px;font-family:inherit}
.field input:focus{outline:none;border-color:var(--teal)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);margin:6px 0 14px}
.consent input{margin-top:3px;width:18px;height:18px;flex:0 0 auto}
.hp{position:absolute;left:-9999px}
.lead__ok{background:var(--ok-bg);border:1px solid #cdeaD6;border-radius:var(--r);padding:18px;font-weight:500}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px;position:relative}
.step__num{position:absolute;top:14px;right:16px;color:#dfe7f2;font-weight:700;font-size:26px}
.step__icon{width:42px;height:42px;border-radius:11px;background:#eef3fb;color:var(--navy-2);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.step__title{font-weight:600;margin-bottom:4px}
.step__desc{color:var(--muted);font-size:14px}

/* pricing */
.price-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:start}
.pcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;display:flex;flex-direction:column}
.pcard--featured{border:2px solid var(--teal);box-shadow:0 10px 30px rgba(19,168,158,.12)}
.pcard__badge{align-self:flex-start;background:#effbfa;color:var(--teal-d);font-size:12px;font-weight:600;padding:4px 12px;border-radius:99px;margin-bottom:10px}
.pcard__name{font-weight:600;font-size:18px}
.pcard__price{font-size:28px;font-weight:700;margin:8px 0 14px}
.pcard__price span{font-size:15px;color:var(--muted);font-weight:500}
.pcard__list{list-style:none;padding:0;margin:0 0 18px;flex:1}
.pcard__list li{display:flex;gap:8px;align-items:flex-start;font-size:15px;color:var(--ink);margin:8px 0}
.pcard__list li::before{content:"✓";color:var(--teal);font-weight:700}
.price-note{color:var(--muted);font-size:14px;margin-top:16px}

/* faq */
.faq{max-width:780px}
.faq__item{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px;padding:4px 18px}
.faq__item summary{cursor:pointer;font-weight:600;padding:14px 0;list-style:none}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";float:right;color:var(--muted);font-weight:400;font-size:22px;line-height:1}
.faq__item[open] summary::after{content:"–"}
.faq__item p{color:var(--muted);padding:0 0 14px;font-size:15px}

/* footer */
.ftr{background:var(--navy-d);color:#cfdcf0;padding:40px 0;margin-top:20px}
.ftr__inner{display:flex;flex-wrap:wrap;gap:18px;justify-content:space-between;align-items:center}
.ftr a{color:#cfdcf0}
.ftr__links{display:flex;gap:18px;flex-wrap:wrap;font-size:14px}
.ftr__legal{color:#8ba3c7;font-size:13px;width:100%;border-top:1px solid #16315c;padding-top:16px;margin-top:6px}

/* cookie */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:0 12px 40px rgba(8,34,71,.18);padding:16px 18px;display:none;gap:14px;align-items:center;flex-wrap:wrap}
.cookie.show{display:flex}
.cookie__text{flex:1;min-width:240px;font-size:14px;color:var(--muted)}
.cookie__btns{display:flex;gap:10px}

/* legal pages */
.legal{max-width:820px;margin:0 auto;padding:36px 0}
.legal h1{font-size:30px;margin-bottom:6px}
.legal h2{font-size:20px;margin:28px 0 10px}
.legal p,.legal li{color:var(--ink);font-size:16px}
.legal ul{padding-left:20px}
.legal .upd{color:var(--muted);font-size:14px;margin-bottom:18px}
.legal .draft{background:var(--warn-bg);border:1px solid #f0dcae;color:var(--warn);border-radius:var(--r);padding:12px 16px;font-size:14px;margin:0 0 24px}
.legal .ph{background:#fff6e6;border-bottom:1px dashed #d8b257;color:#7a5200;padding:0 3px;border-radius:3px}
.legal a.back{display:inline-block;margin-top:28px;color:var(--navy-2)}

@media(max-width:860px){
  .hero__inner{grid-template-columns:1fr}
  .hero__art{order:-1}
  .shield{width:160px}
  .cards,.steps,.price-cards{grid-template-columns:1fr}
  .hdr__nav{display:none}
  .sec{padding:42px 0}
}