:root{--bg:#f6f7f9;--card:#fff;--ink:#16202c;--muted:#5d6b7a;--line:#dde2e8;--accent:#1f3a5f;--accent2:#2d5a8c;--err:#b42318;--warn:#fff6e0;--warnline:#e9c46a;--r:10px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accent2)}
.wrap{max-width:880px;margin:0 auto;padding:0 18px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.top__in{display:flex;align-items:center;justify-content:space-between;height:56px}
.logo{font-weight:700;line-height:1.2;letter-spacing:.02em;color:var(--accent);text-decoration:none}
.top__cta{font-size:14px;text-decoration:none;border:1px solid var(--accent);padding:0 14px;border-radius:8px;white-space:nowrap;flex:none;display:inline-flex;align-items:center;min-height:44px;margin-left:10px}
.hero{padding:36px 18px 8px}
.eyebrow{text-transform:uppercase;font-size:12px;letter-spacing:.12em;color:var(--muted);margin:0 0 8px}
h1{font-size:26px;line-height:1.25;margin:0 0 14px}
h2{font-size:21px;margin:0 0 14px}
h3{font-size:17px;margin:0 0 8px}
.lead{color:#334155;font-size:17px}
.facts{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}
.facts li{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:12px 14px;display:flex;flex-direction:column}
.facts span{color:var(--muted);font-size:14px}
.block{padding-top:30px;padding-bottom:6px}
.cards{display:grid;gap:12px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px}
.card p{margin:0;color:#3b4756;font-size:15px}
.steps{padding-left:20px;margin:0}.steps li{margin-bottom:8px}
.principles{padding-left:20px;margin:0}.principles li{margin-bottom:6px}
.muted{color:var(--muted)}.small{font-size:13px}
.formblock{scroll-margin-top:70px}
.form,.result{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;margin-top:14px}
fieldset{border:0;padding:0;margin:0 0 18px}
legend{font-weight:600;margin-bottom:8px;padding:0}
.opts{display:grid;gap:8px}
.opts--grid{grid-template-columns:1fr 1fr}
.opt{position:relative;display:block;cursor:pointer}
.opt input{position:absolute;opacity:0}
.opt span{display:block;border:1px solid var(--line);border-radius:8px;padding:11px 12px;font-size:15px;transition:border-color .15s,background .15s}
.opt input:checked+span{border-color:var(--accent);background:#eef3f9;box-shadow:inset 0 0 0 1px var(--accent)}
.opt input:focus-visible+span,.seg input:focus-visible+span{outline:2px solid var(--accent2);outline-offset:2px}
.seg{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0}
.seg span{display:flex;align-items:center;min-height:44px;padding:0 14px;border:1px solid var(--line);border-radius:20px;font-size:14px}
.seg input:checked+span{background:var(--accent);color:#fff;border-color:var(--accent)}
.input{width:100%;font:inherit;padding:11px 12px;border:1px solid var(--line);border-radius:8px;background:#fff;margin-bottom:8px}
.input:focus{outline:2px solid #bcd0e6;border-color:var(--accent2)}
.hint{font-size:13px;color:var(--muted);margin:-2px 0 8px}
.err{color:var(--err);font-size:13px;margin:4px 0 0;min-height:0}
.err:empty{display:none}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#3b4756;min-height:44px;padding:4px 0;cursor:pointer}
.check input{margin-top:2px;width:22px;height:22px;flex:none}
.btn{display:block;width:100%;margin-top:16px;padding:13px;border:0;border-radius:9px;background:var(--accent);color:#fff;font-family:inherit;font-weight:600;font-size:16px;line-height:1.2;cursor:pointer}
.btn:hover{background:var(--accent2)}
.btn[disabled]{opacity:.6;cursor:wait}
.warn{background:var(--warn);border:1px solid var(--warnline);border-radius:8px;padding:10px 12px;font-size:14px}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
details{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:12px 14px;margin-bottom:8px}
summary{cursor:pointer;font-weight:600;min-height:24px;padding:10px 0;margin:-10px 0}
details p{margin:8px 0 0;color:#3b4756}
.foot{margin-top:40px;padding:22px 0;border-top:1px solid var(--line);background:#fff;font-size:14px}
.foot__links a{display:inline-block;padding:12px 0;min-height:44px}
.legal h2{font-size:18px;margin-top:22px}
@media (min-width:720px){h1{font-size:34px}.facts{grid-template-columns:repeat(3,1fr)}.cards{grid-template-columns:1fr 1fr}.opts{grid-template-columns:1fr 1fr}.btn{width:auto;display:inline-block;padding:13px 28px;margin-right:8px}.form,.result{padding:26px}}
.legal h1{font-size:26px}.legal ul{padding-left:20px}.legal td,.legal th{border:1px solid var(--line);padding:6px 8px;vertical-align:top;font-size:14px;text-align:left}.legal table{border-collapse:collapse;width:100%;background:#fff}
.tablewrap{overflow-x:auto}