:root{--navy:#1B2F5B;--navy2:#2B4A86;--mint:#7FD1B9;--mintd:#5FBFA2;--mintl:#E2F3EE;--paper:#F6F8FB;--ink:#141C2E;--muted:#4F5B70;--line:#D3DAE6}
*{box-sizing:border-box}body{margin:0;font-family:'Golos Text',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:16px}
a{color:var(--navy2)}:focus-visible{outline:3px solid var(--navy2);outline-offset:2px}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;gap:20px;min-height:68px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo b{font-weight:700;font-size:19px;letter-spacing:.02em;display:block;line-height:1.1}.logo small{font-size:12px;color:var(--muted)}
nav{display:flex;gap:18px;margin-left:auto;flex-wrap:wrap}nav a{color:var(--ink);text-decoration:none;font-weight:500}nav a:hover{color:var(--navy2)}
.phone{font-weight:700;color:var(--ink);text-decoration:none}
h1,h2,h3{line-height:1.2;margin:0 0 .5em}h1{font-size:clamp(28px,4vw,42px)}h2{font-size:clamp(22px,2.6vw,30px)}
.hero{background:var(--navy);color:#fff;padding:56px 0}.hero p{color:#C9D6EE;font-size:18px;max-width:36em}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;font-weight:600;text-decoration:none;margin:8px 10px 0 0}
.btn-m{background:var(--mint);color:var(--ink)}.btn-m:hover{background:var(--mintd)}.btn-o{border:1.5px solid #C9D6EE;color:#fff}
section{padding:52px 0}.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.steps li{counter-increment:s;border-top:3px solid var(--navy);padding-top:12px}.steps li::before{content:counter(s);display:block;font-size:26px;font-weight:700;color:var(--navy2)}
.steps b{display:block}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
th,td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--line)}th{background:var(--paper);font-size:14px;color:var(--muted)}
td.p{white-space:nowrap;font-weight:700;text-align:right}
.muted{color:var(--muted)}.note{background:var(--mintl);border-radius:12px;padding:14px 18px}
dl.req{display:grid;grid-template-columns:180px 1fr;gap:6px 16px;margin:0}dl.req dt{color:var(--muted)}dl.req dd{margin:0}
.doc{max-width:780px}.doc h3{margin-top:1.6em}
footer{background:var(--ink);color:#B7C2D6;padding:40px 0 24px;font-size:14px}footer a{color:#E4EBF7}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}footer h4{color:#fff;margin:0 0 10px;font-size:15px;display:flex;align-items:center;gap:10px}
footer .legal{grid-column:1/-1;border-top:1px solid #2C3650;padding-top:16px}
@media(max-width:820px){.steps{grid-template-columns:1fr 1fr}.grid2,footer .wrap{grid-template-columns:1fr}dl.req{grid-template-columns:1fr}nav{margin-left:0;width:100%}}