:root{--navy:#14285a;--blue:#1f4fa3;--tint:#f3f6fb;--text:#1d1d1f;--muted:#5b6475}
*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;color:var(--text);line-height:1.6}
a{color:var(--blue)}img{max-width:100%;height:auto}.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
header.site{border-bottom:1px solid #e5e8ef;position:sticky;top:0;background:rgba(255,255,255,.95);z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:72px}.brand img{display:block;height:58px;width:auto}@media(max-width:400px){.brand img{height:44px}}
nav{display:flex;gap:18px;align-items:center}nav a{text-decoration:none;color:var(--text);font-size:15px}nav a[aria-current]{color:var(--blue);font-weight:600}
nav .phone{background:var(--navy);color:#fff;padding:6px 12px;border-radius:999px;white-space:nowrap}
.menu{display:none;background:none;border:1px solid #ccd;border-radius:8px;padding:6px 12px;font:inherit}
h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.1;color:var(--navy);margin:.2em 0}h2{color:var(--navy);font-size:1.8rem}h3{color:var(--navy);margin:.3em 0}
section{padding:56px 0}.hero{background:linear-gradient(180deg,#eef3fb,#fff);padding:72px 0}.hero.small{padding:56px 0 24px}
.lead{font-size:1.2rem;color:var(--muted);max-width:640px}.eyebrow{color:var(--blue);font-weight:600;text-transform:uppercase;letter-spacing:.08em;font-size:13px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.tint{background:var(--tint)}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:600;border:0;font:inherit;font-weight:600;cursor:pointer;margin:4px 4px 4px 0}
.btn.ghost{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.card{background:#fff;border:1px solid #e2e7f0;border-radius:18px;padding:24px;box-shadow:0 2px 10px rgba(20,40,90,.05)}
.ic{width:36px;height:36px;fill:none;stroke:var(--blue);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
.steps li{counter-increment:s;background:var(--tint);border-radius:18px;padding:24px}.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700}
.tier ul{padding-left:18px}.note{background:#eef3fb;border-left:4px solid var(--blue);padding:12px 16px;border-radius:8px}.muted{color:var(--muted)}
details{border-bottom:1px solid #e2e7f0;padding:14px 0}summary{cursor:pointer;font-weight:600;color:var(--navy)}
.cta{background:var(--navy);color:#fff;text-align:center}.cta h2{color:#fff}.cta .btn.ghost{background:transparent;color:#fff;border-color:#fff}
form label{display:block;margin-top:12px;font-weight:600}form input,form select,form textarea{width:100%;padding:10px;border:1px solid #ccd3e0;border-radius:10px;font:inherit}form .btn{margin-top:16px}
footer{background:var(--tint);padding:40px 0 16px}.foot{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.small{font-size:13px;color:var(--muted)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
@media(max-width:900px){.menu{display:block}nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:16px;border-bottom:1px solid #e5e8ef}nav.open{display:flex}.grid2,.steps{grid-template-columns:1fr}}
/* colorful refresh */
:root{--coral:#f2643f;--teal:#0d9488;--purple:#7c3aed;--amber:#d97706;--pink:#db2777;--char:#1c1f26;--warm:#fff6ef}
.hero{background:radial-gradient(circle at 85% 20%,#ffe1d3 0,transparent 45%),radial-gradient(circle at 10% 90%,#e6dcff 0,transparent 45%),linear-gradient(135deg,#fff8f2,#f3f0ff)}
.eyebrow{color:var(--coral)}
h1{background:linear-gradient(90deg,#14285a,#7c3aed 60%,#db2777);-webkit-background-clip:text;background-clip:text;color:transparent}
.btn{background:linear-gradient(90deg,#f2643f,#db2777)}.btn.ghost{background:#fff;color:#14285a;border-color:#14285a}
.pageart{width:100%;max-width:440px;justify-self:center}.art img{width:100%}
.tint{background:var(--warm)}
.steps li{background:#fff;border-top:6px solid var(--coral);box-shadow:0 4px 16px rgba(0,0,0,.06)}
.steps li:nth-child(2){border-color:var(--teal)}.steps li:nth-child(3){border-color:var(--purple)}
.steps li:nth-child(1)::before{background:var(--coral)}.steps li:nth-child(2)::before{background:var(--teal)}.steps li:nth-child(3)::before{background:var(--purple)}
.ic{width:48px;height:48px;padding:10px;border-radius:14px;stroke:#fff;background:var(--coral)}
.card:nth-child(4n+2) .ic{background:var(--teal)}.card:nth-child(4n+3) .ic{background:var(--purple)}.card:nth-child(4n+4) .ic{background:var(--amber)}
.tier{border-top:6px solid var(--coral)}.tier:nth-child(2){border-top-color:var(--teal)}.tier:nth-child(3){border-top-color:var(--purple)}
.dark{background:var(--char);color:#e8eaf0}.dark h2{color:#fff}.dark .card{background:#262a33;border-color:#363b46;color:#e8eaf0}.dark .card h3{color:#fff}.dark a{color:#7dd3fc}
.cta{background:linear-gradient(120deg,#1c1f26 0%,#3b1d5c 55%,#7a2448 100%)}
.note{background:#fff3e8;border-left-color:var(--coral)}
nav .phone{background:linear-gradient(90deg,#f2643f,#db2777)}nav a[aria-current]{color:var(--coral)}
footer{background:#1c1f26;color:#c9cdd6}footer a{color:#fdba74}.small{color:#9aa0ab}footer img{background:#fff;border-radius:10px;padding:6px}
summary{color:#7c3aed}
.dark .btn,.cta .btn{color:#fff}.footer a.btn{color:#fff}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.cf-turnstile{margin-top:16px}#form-status{margin:12px 0 0;font-weight:600}#form-status.ok{color:#047857}#form-status.err{color:#b91c1c}
.grid2.top{align-items:start}