:root{--navy:#092b66;--blue:#1266c4;--red:#e51c23;--light:#f5f8fc;--text:#182536;--muted:#5f6d7e;--white:#fff;--shadow:0 10px 30px rgba(9,43,102,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.65}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid #e8edf4;box-shadow:0 2px 14px rgba(0,0,0,.04)}
.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}
.brand img{width:52px;height:52px;object-fit:cover;border-radius:50%}.brand span{font-size:18px}.brand small{display:block;color:var(--red);font-size:11px}
nav{display:flex;flex-wrap:wrap;gap:18px;font-weight:700;font-size:14px}nav a{color:var(--navy)}
.btn{display:inline-block;background:var(--red);color:#fff;padding:13px 20px;border-radius:10px;font-weight:800;box-shadow:0 7px 18px rgba(229,28,35,.18)}.btn.blue{background:var(--navy)}
.hero{background:linear-gradient(135deg,#f4f8ff,#fff);padding:42px 0 55px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:38px;align-items:center}
.kicker{display:inline-block;color:var(--red);font-weight:900;text-transform:uppercase;letter-spacing:.6px;margin-bottom:8px}
h1{font-size:clamp(34px,5vw,58px);line-height:1.05;margin:0 0 18px;color:var(--navy)}h2{font-size:32px;color:var(--navy);margin:0 0 15px}h3{color:var(--navy)}
.lead{font-size:19px;color:var(--muted);max-width:680px}.phone{font-size:26px;font-weight:900;color:var(--red);display:block;margin:18px 0}
.hero-img{width:100%;border-radius:22px;box-shadow:var(--shadow);display:block}
.section{padding:62px 0}.section.alt{background:var(--light)}.center{text-align:center}.muted{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.card{background:#fff;border:1px solid #e8edf4;border-radius:16px;padding:24px;box-shadow:var(--shadow)}
.card .icon{font-size:30px}.card h3{margin:8px 0}.tags{display:flex;flex-wrap:wrap;gap:9px;margin-top:20px}.tag{background:#edf4ff;color:var(--navy);padding:7px 11px;border-radius:999px;font-weight:700;font-size:13px}
.cta{background:var(--navy);color:#fff;border-radius:22px;padding:34px;display:flex;justify-content:space-between;align-items:center;gap:20px}.cta h2{color:#fff;margin:0}.cta p{margin:5px 0;color:#dce8f7}
footer{background:#071d42;color:#d9e5f5;padding:38px 0;margin-top:20px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.footer-title{color:#fff;font-weight:900;margin-bottom:8px}footer a{color:#d9e5f5}
.breadcrumb{font-size:13px;color:var(--muted);padding:18px 0}.article{max-width:850px;margin:auto}.article p,.article li{font-size:17px}.article h2{margin-top:34px}.list{padding-left:20px}
.faq details{border:1px solid #e2e9f2;border-radius:12px;padding:15px 18px;margin:10px 0;background:#fff}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
@media(max-width:820px){nav{display:none}.hero-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.cta{display:block}.cta .btn{margin-top:18px}}