:root{--navy:#1B2A5E;--navy-d:#121D45;--gold:#C9A227;--gold-l:#F3E6B8;--ink:#1F2433;--mute:#5B6275;--line:#DDE1EA;--bg:#FFFFFF;--soft:#F2F4F9}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'IBM Plex Sans',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:'Bricolage Grotesque','IBM Plex Sans',sans-serif;line-height:1.1;letter-spacing:-.01em;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,5.5vw,3.4rem);font-weight:800}h2{font-size:clamp(1.6rem,3.6vw,2.3rem);font-weight:700}h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em;max-width:68ch}a{color:var(--navy)}
.wrap{width:min(1120px,92vw);margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:.9rem;padding:.4rem 0}.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.nav{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:50}
header.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none}.brand .mark{width:38px;height:38px;border-radius:9px;background:var(--navy);display:grid;place-items:center;color:var(--gold);font-family:'Bricolage Grotesque';font-weight:800;font-size:1.05rem}
.brand b{color:var(--navy);font-family:'Bricolage Grotesque';font-size:1.05rem;line-height:1}.brand small{display:block;color:var(--mute);font-size:.72rem;font-weight:500}
nav.menu{display:flex;gap:1.4rem;align-items:center}nav.menu a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:.85rem 1.4rem;border-radius:10px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;font-family:inherit}
.btn.ghost{background:transparent;border:2px solid var(--navy);color:var(--navy)}.btn.full{width:100%;text-align:center}
.burger{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}
@media(max-width:860px){nav.menu{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:1rem 4vw 1.4rem;border-bottom:1px solid var(--line);align-items:flex-start}nav.menu.open{display:flex}.burger{display:block}}
.hero{background:linear-gradient(180deg,var(--soft),#fff);padding:3.5rem 0 3rem}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:start}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.hero .lead{font-size:1.2rem;color:var(--mute)}
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.6rem;box-shadow:0 12px 40px rgba(27,42,94,.10)}
.calc h3{margin-bottom:.25rem}.calc .sub{color:var(--mute);font-size:.92rem;margin-bottom:1rem}
.calc label{display:block;font-weight:600;font-size:.9rem;margin:.8rem 0 .3rem}
.calc input,.calc select{width:100%;padding:.75rem .9rem;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:1rem}
.calc input:focus,.calc select:focus{outline:3px solid var(--gold-l);border-color:var(--gold)}
.result{margin-top:1rem;padding:1rem;border-radius:12px;background:var(--soft);display:none}
.result.show{display:block}.result strong{color:var(--navy)}
.result .band{display:inline-block;background:var(--navy);color:#fff;padding:.2rem .6rem;border-radius:6px;font-size:.85rem;font-weight:600;margin-bottom:.5rem}
.fine{font-size:.78rem;color:var(--mute);margin-top:.6rem}
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;padding:1.4rem 0}
.trust div b{display:block;font-family:'Bricolage Grotesque';font-size:1.7rem;color:var(--navy);line-height:1}.trust div span{font-size:.88rem;color:var(--mute)}
@media(max-width:760px){.trust .wrap{grid-template-columns:repeat(2,1fr)}}
section.block{padding:4rem 0}section.block.alt{background:var(--soft)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;counter-reset:s}
.steps div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.4rem;position:relative}
.steps div::before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:1.2rem;width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center;font-size:.95rem}
@media(max-width:760px){.steps{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}.split>*{min-width:0}.split.top{align-items:start}@media(max-width:900px){.split.top .calc,.split.top form.lead{position:static}}@media(max-width:860px){.split{grid-template-columns:1fr}}
.photo{display:block;width:100%;max-width:440px;aspect-ratio:4/5;object-fit:cover;border-radius:18px;background:none;padding:0;margin:0 auto}
.quote{border-left:4px solid var(--gold);padding-left:1.2rem;font-size:1.15rem;color:var(--navy);font-style:italic}
.faq details{border-bottom:1px solid var(--line);padding:.9rem 0}.faq summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:1rem}.faq summary::after{content:"+";color:var(--gold);font-weight:800}.faq details[open] summary::after{content:"–"}
.faq p{margin:.6rem 0 0;color:var(--mute)}
.cities{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.8rem}
.cities a{display:block;padding:1rem;border:1px solid var(--line);border-radius:12px;text-decoration:none;font-weight:600;background:#fff}
.cities a small{display:block;color:var(--mute);font-weight:400;font-size:.82rem}
.carriers{display:flex;flex-wrap:wrap;gap:.6rem}.carriers span{border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;font-size:.9rem;background:#fff}
.cta-band{background:var(--navy);color:#fff;padding:3.5rem 0;text-align:center}.cta-band h2{color:#fff}.cta-band p{margin:0 auto 1.4rem;color:#D7DCEA}
.cta-band .btn.ghost{border-color:#fff;color:#fff;margin-left:.6rem}
form.lead{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.6rem;max-width:560px}
form.lead label{display:block;font-weight:600;font-size:.9rem;margin:.8rem 0 .3rem}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:.75rem .9rem;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:1rem}
form.lead .consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.82rem;color:var(--mute);margin:1rem 0}form.lead .consent input{width:auto;margin-top:.25rem}
footer{background:var(--navy-d);color:#C9CFE0;padding:3rem 0 2rem;font-size:.88rem}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2rem}@media(max-width:760px){footer .cols{grid-template-columns:1fr 1fr}}
footer a{color:#fff;text-decoration:none}footer ul{list-style:none;padding:0;margin:0}footer li{margin:.35rem 0}footer h4{color:var(--gold);margin:0 0 .6rem;font-size:.95rem}
footer .legal{border-top:1px solid rgba(255,255,255,.15);padding-top:1.2rem;font-size:.8rem;line-height:1.55}
.stickycall{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--gold);padding:.7rem 4vw;z-index:60;gap:.6rem}
.stickycall a{flex:1;text-align:center;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:.75rem;border-radius:10px}
@media(max-width:760px){.stickycall{display:flex}body{padding-bottom:70px}}
.wiz fieldset{border:0;padding:0;margin:0}.wiz legend{font-size:.85rem;color:var(--mute);font-weight:600;margin-bottom:.4rem}
.wiz .row{display:flex;gap:.6rem;margin-top:1rem}.wiz .row .btn{flex:1;text-align:center}.wiz .next{margin-top:1rem}
.prog{display:flex;gap:.35rem;margin-bottom:1rem}.prog span{flex:1;height:5px;border-radius:3px;background:var(--line)}.prog span.on{background:var(--gold)}
.wiz .err{color:#B3261E;font-size:.85rem;margin-top:.3rem}
.cal{border:1px solid var(--line);border-radius:14px;overflow:hidden;min-height:640px;background:#fff}
.side{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.3rem;margin-top:1.2rem}.side h3{margin-bottom:.4rem}.side ul{padding-left:1.1rem;margin:.4rem 0 .8rem;color:var(--mute)}.side p{color:var(--mute);margin-bottom:.9rem}
article.post{max-width:72ch}article.post h2{margin-top:2rem}article.post ul{padding-left:1.2rem}
.meta{color:var(--mute);font-size:.9rem}
.breadcrumb{font-size:.85rem;color:var(--mute);margin-bottom:1rem}.breadcrumb a{color:var(--mute)}
.notice{background:var(--gold-l);border-left:4px solid var(--gold);padding:.9rem 1.1rem;border-radius:8px;font-size:.95rem}
@media(prefers-reduced-motion:no-preference){.result.show{animation:pop .25s ease}}@keyframes pop{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

.topbar .wrap>span{display:flex;gap:.9rem;align-items:center}.topbar .lang{border:1px solid rgba(255,255,255,.55);border-radius:6px;padding:.05rem .5rem;font-size:.8rem;letter-spacing:.04em}.topbar .lang:hover{background:#fff;color:var(--navy)}