:root{--navy:#0b1f3a;--navy2:#123a6b;--red:#e01b2d;--red2:#b81322;--blue:#1f6fd6;--ink:#17233a;--mute:#56647a;--line:#e3e8ef;--soft:#f4f7fb;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;background:var(--white);color:var(--ink);font:400 16px/1.65 Inter,system-ui,-apple-system,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
img,svg{display:block}
a{color:var(--blue)}
.wrap{width:min(1180px,100%);margin:0 auto;padding:0 24px}
.narrow{max-width:860px;margin-left:auto;margin-right:auto}
.center{text-align:center}
h1,h2,h3{font-family:"Barlow Condensed",Inter,sans-serif;line-height:1.1;margin:0;font-weight:700;color:var(--navy)}
h2{font-size:clamp(32px,4vw,44px)}
h3{font-size:24px}
.sec{padding:clamp(56px,8vw,92px) 0}
.soft{background:var(--soft)}
.dark{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#dfe8f5}
.dark h2{color:var(--white)}
.rule{display:block;width:64px;height:4px;background:var(--red);border-radius:2px;margin:18px auto 26px}
.lead{font-size:18px;color:var(--mute);margin:0 0 28px}
.btn{display:inline-block;background:var(--red);color:var(--white);font:600 15px/1 Inter,sans-serif;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;padding:16px 30px;border-radius:6px;white-space:nowrap;transition:background .15s,transform .15s}
.btn:hover{background:var(--red2);transform:translateY(-1px)}
.nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;font:700 25px/1 "Barlow Condensed",sans-serif;color:var(--navy);text-decoration:none;letter-spacing:.02em}
.links{display:flex;gap:26px}
.links a{color:var(--navy);font-weight:500;font-size:14.5px;text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.links a:hover{color:var(--red);border-color:var(--red)}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger i{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}
.cover{width:100%;height:auto}
.hero-band{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#dfe8f5;border-top:4px solid var(--red)}
.hero-in{display:flex;align-items:center;justify-content:space-between;gap:40px;padding-top:34px;padding-bottom:34px}
.hero h1{color:var(--white);font-size:clamp(36px,5vw,58px);text-transform:uppercase;letter-spacing:.01em;margin-bottom:10px}
.hero p{margin:0;max-width:720px;font-size:17px}
.cards{display:grid;gap:24px;margin-top:12px}
.two{grid-template-columns:repeat(2,1fr)}
.three{grid-template-columns:repeat(3,1fr);margin-top:32px}
.card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--red);border-radius:10px;padding:32px;box-shadow:0 10px 26px rgba(11,31,58,.06)}
.card h3{margin-bottom:8px}
.card p{margin:0;color:var(--mute)}
.card.c{text-align:center}
.card.c .ico{margin:0 auto 14px}
.big{font-weight:600;font-size:17px;color:var(--navy)!important;text-decoration:none;overflow-wrap:anywhere}
.ico{display:flex;align-items:center;justify-content:center;width:54px;height:54px;border-radius:12px;background:#fdecee;margin-bottom:16px}
.ico svg{width:28px;height:28px;fill:none;stroke:var(--red);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.ticks{list-style:none;margin:8px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px 34px}
.ticks li{display:flex;gap:12px;align-items:flex-start;padding:14px 16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:8px}
.ticks svg{flex:none;width:22px;height:22px;margin-top:2px;fill:none;stroke:#ff5a68;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.doc h2{font-size:clamp(26px,3vw,34px);margin:34px 0 14px;text-transform:none}
.doc h2:first-child{margin-top:0}
.doc h3,.doc h4{font-family:"Barlow Condensed",Inter,sans-serif;color:var(--navy);font-size:22px;margin:26px 0 8px}
.doc p,.doc li{color:#35435a;font-size:15.5px}
.doc p{margin:0 0 14px}
.doc ul{padding-left:20px}
.clauses{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.clauses>li{background:var(--soft);border-left:4px solid var(--red);border-radius:0 8px 8px 0;padding:18px 22px}
.clauses>li>strong:first-child{display:block;font:700 22px/1.2 "Barlow Condensed",sans-serif;color:var(--navy);margin-bottom:6px}
.note{margin-top:28px;background:var(--white);border:1px solid var(--line);border-radius:10px;padding:20px 24px}
.note strong{color:var(--navy)}
.note p{margin:6px 0 0;color:var(--mute);font-size:15px}
.foot{background:var(--navy);color:#c6d3e6;text-align:center;font-size:14px;padding:26px 0;border-top:4px solid var(--red)}
@media(max-width:900px){
.burger{display:block}
.links{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;gap:0;background:var(--white);border-bottom:1px solid var(--line);padding:6px 24px 14px}
.links.open{display:flex}
.links a{padding:11px 0}
.hero-in{flex-direction:column;align-items:flex-start;gap:22px}
.two,.three,.ticks{grid-template-columns:1fr}
}