:root{--bg:#f6f3ec;--ink:#14202e;--mut:#5b6573;--navy:#0f2a43;--navy2:#16385a;--brass:#a9803a;--brassd:#8a6628;--line:#ddd5c4;--card:#fffdf8;--r:6px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 -apple-system,"Segoe UI",Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}a{color:inherit}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:700;line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(30px,5vw,50px)}h2{font-size:clamp(23px,3vw,31px);margin-top:1.6em}h3{font-size:21px}
.top{position:sticky;top:0;z-index:20;background:rgba(246,243,236,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:22px;min-height:68px}
.brand img{display:block;height:36px;width:auto}
.nav{display:flex;gap:22px;margin-left:12px;flex:1}.nav a{text-decoration:none;font-size:15px;color:var(--ink)}.nav a:hover{color:var(--brassd)}
.lang{display:flex;gap:2px;font-size:13px;font-weight:600}.lang a{padding:4px 8px;text-decoration:none;border-radius:4px;color:var(--mut)}.lang a.on{background:var(--navy);color:#fff}
.btn{display:inline-block;background:var(--brass);color:#fff;border:0;padding:13px 24px;border-radius:var(--r);font:600 15px/1.2 inherit;text-decoration:none;cursor:pointer;transition:.15s}
.btn:hover{background:var(--brassd)}.btn.sm{padding:10px 16px;font-size:14px}.btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.55);color:#fff}.btn.ghost:hover{background:rgba(255,255,255,.12)}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}.burger i{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:84px 0 0}
.hero h1{color:#fff;max-width:880px}.eyebrow{color:var(--brass);text-transform:uppercase;letter-spacing:.14em;font-size:13px;font-weight:700;margin:0 0 18px}
.lead{font-size:19px;max-width:760px;color:inherit;opacity:.92}.hero .lead{color:#dfe7ef}
.cta{display:flex;gap:14px;flex-wrap:wrap;margin:34px 0 64px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.18)}
.facts div{padding:22px 20px 24px 0}.facts b{display:block;font:700 20px Georgia,serif;color:#fff}.facts span{font-size:14px;color:#b9c6d4}
.sec{padding:76px 0}.sec.alt{background:#efe9dc}.sec h2{margin-top:0}.sub{color:var(--mut);max-width:680px;margin-bottom:34px}
.rows{border-top:1px solid var(--line)}
.row{display:grid;grid-template-columns:64px 1fr 40px;align-items:center;gap:8px;padding:22px 6px;border-bottom:1px solid var(--line);text-decoration:none;transition:.15s}
.row:hover{background:var(--card);padding-left:16px}.no{font:700 15px Georgia,serif;color:var(--brass)}
.rt b{display:block;font:700 21px Georgia,serif;color:var(--navy)}.rt em{font-style:normal;color:var(--mut);font-size:15px}.ar{color:var(--brass);font-size:22px;text-align:right}
.steps{list-style:none;margin:0;padding:0;counter-reset:s}.steps li{counter-increment:s;position:relative;padding:0 0 18px 54px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 15px Georgia,serif}
.steps b{font:700 18px Georgia,serif;color:var(--navy)}.steps p{margin:.2em 0 0;color:var(--mut)}
.steps.big{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}.steps.big li{padding:52px 0 0}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
.panel,.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:30px}
.lnk{color:var(--brassd);font-weight:600;text-decoration:none}.lnk:hover{text-decoration:underline}
.faqs details{border-bottom:1px solid var(--line);padding:16px 0}.faqs summary{cursor:pointer;font:700 18px Georgia,serif;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faqs summary:after{content:"+";color:var(--brass);font-size:24px;line-height:1}.faqs details[open] summary:after{content:"–"}.faqs p{margin:.7em 0 0;color:#2a3644}
.crumbs{font-size:14px;color:var(--mut);padding-top:16px}.crumbs a{color:var(--mut)}
.phead{padding:34px 0 28px;border-bottom:1px solid var(--line)}.phead h1{max-width:820px;margin-bottom:.4em}.phead .lead{color:#3a4756}
.lay{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:56px;padding-top:12px;padding-bottom:70px}
.art h2:first-child{margin-top:1em}.art p{max-width:720px}
.tick{list-style:none;padding:0;margin:0 0 8px}.tick li{position:relative;padding:7px 0 7px 30px}.tick li:before{content:"";position:absolute;left:4px;top:15px;width:9px;height:5px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg)}
.side{position:sticky;top:90px;align-self:start}.card h3{margin-bottom:.3em}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chips a{border:1px solid var(--line);background:var(--card);padding:8px 14px;border-radius:30px;font-size:15px;text-decoration:none}.chips a:hover{border-color:var(--brass)}
.form label{display:block;font-size:14px;font-weight:600;margin:0 0 14px;color:var(--navy)}
.form input,.form textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #cfc6b2;border-radius:var(--r);background:#fff;font:inherit;color:var(--ink)}
.form input:focus,.form textarea:focus{outline:2px solid var(--brass);border-color:var(--brass)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.form .btn{width:100%}.fine{font-size:13px;color:var(--mut);line-height:1.5}.st{font-weight:600;margin:10px 0 0}.st.ok{color:#1c6b3a}.st.er{color:#a02020}
.cl{list-style:none;padding:0;margin:22px 0}.cl li{padding:6px 0;font-size:19px}.cl a{text-decoration:none;color:var(--navy);font-weight:600}.cl a:hover{color:var(--brassd)}
.foot{background:var(--navy);color:#c8d3de;padding:56px 0 20px;margin-top:0}.fg{display:grid;grid-template-columns:1.2fr 1fr 1.2fr;gap:40px}
.fb{font:700 24px Georgia,serif;color:#fff;margin-bottom:6px}.fh{font-weight:700;color:#fff;margin-bottom:10px}.fl{display:flex;flex-direction:column;gap:6px;font-size:15px}.fl a{text-decoration:none}.fl a:hover{color:#fff;text-decoration:underline}
.foot .fine{color:#8fa1b3}.cp{margin-top:34px;border-top:1px solid rgba(255,255,255,.14);padding-top:18px}
.dock{display:none}
@media(max-width:900px){.nav,.lang,.bar .btn.sm{display:none}.burger{display:block;margin-left:auto}
body.m .nav{display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:var(--bg);padding:16px 20px;border-bottom:1px solid var(--line);gap:14px}
body.m .lang{display:flex;position:absolute;top:68px;right:20px;margin-top:0}body.m .nav{padding-top:46px}
.facts{grid-template-columns:1fr 1fr}.steps.big{grid-template-columns:1fr 1fr}.split,.lay,.fg{grid-template-columns:1fr;gap:32px}.side{position:static}.hero{padding-top:52px}.sec{padding:52px 0}
.row{grid-template-columns:44px 1fr 28px}.rt b{font-size:19px}
.dock{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--navy);box-shadow:0 -2px 12px rgba(0,0,0,.2)}
.dock a{color:#fff;text-align:center;padding:14px 4px;font-weight:600;font-size:15px;text-decoration:none;border-right:1px solid rgba(255,255,255,.15)}.dock a:last-child{border:0}
body{padding-bottom:50px}}
@media(max-width:520px){.steps.big{grid-template-columns:1fr}.two{grid-template-columns:1fr}.facts div{padding-right:8px}h1{font-size:30px}}

.chan{margin:16px 0 4px;text-align:center}.chan>span{display:block;font-size:13px;color:var(--mut);margin-bottom:8px}.chan div{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.chan a{display:flex;align-items:center;justify-content:center;gap:8px;padding:12px 8px;border-radius:var(--r);font-weight:600;font-size:15px;text-decoration:none;color:#fff;transition:.15s}
.ic{width:22px;height:22px;flex:none}
.chan .wa{background:#25a35a}.chan .wa:hover{background:#1d8548}.chan .tg{background:#2b8fd0}.chan .tg:hover{background:#2174ad}
.dock a{display:flex;align-items:center;justify-content:center;gap:6px}.dock .ic{width:18px;height:18px}

.grp{margin:34px 0 10px;font-size:15px;letter-spacing:.1em;text-transform:uppercase;color:var(--brassd);font-family:inherit}.sec .grp:first-of-type{margin-top:0}
.hchips{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:-26px auto 34px}.hchips span{color:#b9c6d4;font-size:14px;margin-right:6px}
.hchips a{border:1px solid rgba(255,255,255,.35);color:#fff;padding:6px 13px;border-radius:30px;font-size:14px;text-decoration:none}.hchips a:hover{background:rgba(255,255,255,.14)}
.fl.cols{display:grid;grid-template-columns:1fr 1fr;gap:6px 18px}
@media(max-width:900px){.hchips{margin-top:-30px}.fl.cols{grid-template-columns:1fr}}