*{margin:0;padding:0;box-sizing:border-box}body{font-family:'Inter',sans-serif;background:#f8f9ff;color:#1a1d2e;line-height:1.6}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
a{text-decoration:none}
/* NAV */
.navbar{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid #e8eaf6}
.nav-inner{display:flex;justify-content:space-between;align-items:center;padding:14px 20px}
.logo{display:flex;align-items:center;gap:10px}
.logo img{height:56px;width:auto;object-fit:contain}
.logo span{font-weight:800;font-size:22px;color:#1a237e;letter-spacing:.3px}
.logo span em{font-style:normal;color:#3f51b5;font-weight:600}
.nav-links{display:flex;gap:20px;align-items:center}
.nav-links a{color:#333;font-weight:500;font-size:14px}
.btn-nav{background:#1a237e;color:#fff!important;padding:8px 16px;border-radius:6px}
/* HERO */
.hero{background:linear-gradient(135deg,#1a237e 0%,#283593 50%,#3949ab 100%);color:#fff;padding:50px 0}
.hero-grid{display:grid;grid-template-columns:1.4fr .9fr;gap:30px;align-items:center}
.badge{background:rgba(255,255,255,.15);padding:6px 12px;border-radius:20px;font-size:12px;letter-spacing:.5px}
.hero-text h1{font-size:42px;line-height:1.15;margin:14px 0;font-weight:800}
.hero-text h1 span{color:#c5cae9;text-decoration:underline;text-decoration-color:#7986cb}
.hero-text p{opacity:.9;font-size:16px;margin-bottom:18px}
.hero-stats{display:flex;gap:24px;margin:18px 0}
.hero-stats div strong{display:block;font-size:22px}
.hero-stats div span{font-size:12px;opacity:.8}
.btn-primary{background:#ff6f00;color:#fff;padding:12px 24px;border-radius:8px;border:none;font-weight:700;cursor:pointer;display:inline-block;transition:.2s}
.btn-primary:hover{background:#e65100;transform:translateY(-1px)}
.hero-note{font-size:11px;opacity:.7;margin-top:10px}
.hero-card{background:#fff;color:#1a1d2e;border-radius:14px;padding:22px;box-shadow:0 20px 40px rgba(0,0,0,.2)}
.card-header{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #eee;padding-bottom:12px;margin-bottom:12px}
.card-header h3{font-size:16px}
.card-header span{font-size:12px;background:#e8eaf6;padding:4px 8px;border-radius:10px}
.steps-mini{list-style:none;display:flex;flex-direction:column;gap:12px}
.steps-mini li{display:flex;gap:12px;align-items:center}
.steps-mini li span{width:28px;height:28px;background:#1a237e;color:#fff;border-radius:50%;display:grid;place-items:center;font-size:13px;font-weight:700;flex-shrink:0}
.steps-mini li b{font-size:13px}
.steps-mini li p{font-size:12px;color:#666}
.trust{margin-top:14px;padding-top:14px;border-top:1px solid #eee}
.trust span{font-size:11px;color:#888}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:6px}
.tags span{font-size:11px;background:#f3f4ff;border:1px solid #e8eaf6;padding:4px 8px;border-radius:12px}
/* WHY */
.why{padding:40px 0;background:#fff}
.section-title{text-align:center;font-size:24px;color:#1a237e;margin-bottom:22px}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.why-card{background:#f8f9ff;border:1px solid #e8eaf6;border-radius:12px;padding:20px;text-align:center}
.why-icon{width:44px;height:44px;background:#e8eaf6;color:#1a237e;display:grid;place-items:center;border-radius:50%;margin:0 auto 10px;font-size:18px}
.why-card h4{font-size:14px;margin-bottom:6px}
.why-card p{font-size:13px;color:#555}
/* FORM */
.form-section{padding:40px 0}
.form-wrap{background:#fff;border-radius:16px;box-shadow:0 8px 32px rgba(26,35,126,.08);overflow:hidden;border:1px solid #e8eaf6}
.form-header{background:#f8f9ff;padding:24px;border-bottom:1px solid #e8eaf6;text-align:center}
.form-header h2{color:#1a237e;font-size:22px}
.form-header p{color:#555;font-size:13px;margin-top:6px;max-width:700px;margin-left:auto;margin-right:auto}
.progress-bar{display:flex;align-items:center;justify-content:center;gap:6px;padding:18px 20px;background:#fff;border-bottom:1px solid #f0f0f0;flex-wrap:wrap}
.progress-step{display:flex;flex-direction:column;align-items:center;gap:4px;opacity:.4}
.progress-step.active{opacity:1}
.progress-step span{width:32px;height:32px;border-radius:50%;background:#e8eaf6;color:#1a237e;display:grid;place-items:center;font-weight:700;font-size:13px;border:2px solid #e8eaf6}
.progress-step.active span{background:#1a237e;color:#fff;border-color:#1a237e}
.progress-step label{font-size:11px;font-weight:600;color:#333}
.progress-line{width:30px;height:2px;background:#e8eaf6;margin-bottom:16px}
.progress-step.active ~ .progress-line{background:#1a237e}
.form-step{display:none;padding:26px}
.form-step.active{display:block;animation:fade .3s}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.form-step h3{color:#1a237e;font-size:18px;margin-bottom:14px;border-left:4px solid #ff6f00;padding-left:10px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field label{font-size:13px;font-weight:600;color:#333;display:block;margin-bottom:6px}
.field label span{color:#e53935}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=number],.field textarea{width:100%;padding:10px 12px;border:1px solid #c5cae9;border-radius:8px;font-size:13px;font-family:inherit;outline:none;transition:.2s}
.field input:focus,.field textarea:focus{border-color:#1a237e;box-shadow:0 0 0 3px rgba(26,35,126,.1)}
.hint{font-size:12px;color:#666;background:#fff8e1;padding:8px 10px;border-radius:6px;margin-bottom:14px;border:1px solid #ffecb3}
.file-field input[type=file]{font-size:12px}
.file-name{font-size:11px;color:#1a237e;display:block;margin-top:4px}
.radio-group,.check-group{display:flex;flex-wrap:wrap;gap:10px}
.radio-group label,.check-group label{font-weight:500;font-size:13px;background:#f8f9ff;border:1px solid #e8eaf6;padding:8px 12px;border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:6px}
.radio-group label:has(input:checked),.check-group label:has(input:checked){background:#e8eaf6;border-color:#1a237e}
.checkbox-single label{font-weight:500;font-size:13px;background:#f8f9ff;padding:12px;border-radius:8px;border:1px solid #e8eaf6;display:flex;gap:8px;align-items:flex-start}
.checkbox-single input{margin-top:3px}
.form-nav{display:flex;justify-content:space-between;gap:10px;margin-top:20px}
.btn-ghost{background:#fff;border:1px solid #c5cae9;color:#1a237e;padding:11px 18px;border-radius:8px;font-weight:600;cursor:pointer}
.btn-ghost:hover{background:#f8f9ff}
.submit-btn{background:#2e7d32}
.submit-btn:hover{background:#1b5e20}
.form-message{margin-top:14px;padding:10px;border-radius:8px;font-size:13px;display:none}
.form-message.ok{display:block;background:#e8f5e9;color:#2e7d32;border:1px solid #c8e6c9}
.form-message.err{display:block;background:#ffebee;color:#c62828;border:1px solid #ffcdd2}
.privacy{font-size:11px;color:#888;text-align:center;margin-top:12px}
/* FOOTER */
.footer{background:#101239;color:#c5cae9;padding:30px 0 16px;margin-top:30px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:20px}
.footer h4{color:#fff;font-size:14px;margin-bottom:8px}
.footer p{font-size:13px;line-height:1.6;opacity:.9}
.copyright{text-align:center;border-top:1px solid rgba(255,255,255,.1);margin-top:20px;padding-top:14px;font-size:11px;opacity:.6}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.why-grid{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr}.nav-links a:not(.btn-nav){display:none}.hero-text h1{font-size:30px}}