:root{
  --navy:#0b1736; --navy-2:#13224a; --line:#22335f;
  --amber:#fbbf24; --amber-d:#f59e0b;
  --ink:#0f172a; --muted:#64748b; --soft:#f1f5f9; --border:#cbd5e1;
  --ok:#16a34a; --err:#dc2626; --link:#1d4ed8;
}
.testbadge{position:fixed;left:0;right:0;bottom:0;z-index:99;background:var(--err);color:#fff;text-align:center;font-size:12px;font-weight:700;padding:6px}
*{box-sizing:border-box}
html,body{margin:0}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--navy);color:#fff;-webkit-font-smoothing:antialiased;min-height:100vh;
  background-image:radial-gradient(circle at 15% 30%,rgba(59,91,170,.25) 0,transparent 40%),radial-gradient(circle at 80% 90%,rgba(251,191,36,.08) 0,transparent 35%);}
a{color:inherit}
header{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;border-bottom:1px solid var(--line)}
.brand{display:flex;align-items:center;gap:12px}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--amber);color:var(--navy);display:grid;place-items:center;font-weight:800;overflow:hidden;border:2px solid var(--amber)}
.avatar img{width:100%;height:100%;object-fit:cover}
.brand b{display:block;font-size:15px}
.brand small{color:#60a5fa;font-weight:600;font-size:12px}
.contact{display:flex;gap:22px;font-weight:600;font-size:14px}
.contact a{text-decoration:none}
.contact .ph{font-weight:800;font-size:15px}
main{max-width:1120px;margin:0 auto;padding:36px 20px 24px;display:grid;grid-template-columns:1fr minmax(0,480px);gap:48px;align-items:start}
.hero{position:sticky;top:32px;padding-top:70px}
.hero h1{font-size:44px;line-height:1.05;margin:0;letter-spacing:-.02em;font-weight:800}
.hero h2{color:var(--amber);font-size:21px;margin:8px 0 16px;font-weight:700}
.hero p{color:#dbe3f3;line-height:1.55;margin:0 0 18px;max-width:440px}
.how{border-top:1px solid var(--line);padding-top:16px;max-width:440px}
.how h3{font-size:13px;margin:0 0 10px}
.how ol{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.how li{display:flex;gap:10px;font-size:13.5px;color:#dbe3f3;line-height:1.4}
.how li span{flex:none;width:20px;height:20px;border-radius:50%;background:var(--amber);color:var(--navy);font-weight:800;font-size:12px;display:grid;place-items:center}
.how li.on b{color:#fff}
.how li.done span{background:var(--ok);color:#fff}
.card{background:#fff;color:var(--ink);border-radius:16px;padding:24px 22px;border-top:5px solid var(--amber);box-shadow:0 20px 60px rgba(0,0,0,.35)}
.pill{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:700;color:var(--ink)}
.pill:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--amber);box-shadow:0 0 0 3px #fef3c7}
.card h2{font-size:21px;margin:8px 0 4px}
.sub{color:var(--muted);font-size:13.5px;margin:0 0 16px;line-height:1.45}
.progress{height:6px;background:var(--soft);border-radius:9px;overflow:hidden;margin:6px 0 14px}
.progress i{display:block;height:100%;background:var(--amber);transition:width .3s}
.secnav{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:14px}
.secnav button{font:inherit;font-size:11.5px;font-weight:600;border:1px solid var(--border);background:#fff;border-radius:99px;padding:4px 10px;cursor:pointer;color:var(--muted)}
.secnav button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.secnav button.ok{border-color:var(--ok);color:var(--ok)}
label.f{display:block;font-size:13px;font-weight:600;margin:12px 0 6px}
label.f em{font-style:normal;color:var(--muted);font-weight:500;font-size:12px}
.hint{font-size:12px;color:var(--muted);margin:-2px 0 6px;line-height:1.4}
input[type=text],input[type=tel],input[type=email],input[type=number],input[type=date],select,textarea{
  width:100%;font:inherit;font-size:15px;padding:11px 12px;border:1px solid var(--border);border-radius:9px;background:#fff;color:var(--ink)}
textarea{min-height:76px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid #fde68a;border-color:var(--amber-d)}
.invalid{border-color:var(--err)!important;background:#fef2f2!important}
.row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row3{display:grid;grid-template-columns:2fr 1fr 1fr;gap:10px}
.row>div,.row3>div{min-width:0}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#334155;margin:12px 0;line-height:1.45;cursor:pointer}
.chk input{width:18px;height:18px;margin:1px 0 0;flex:none;accent-color:var(--navy)}
.chips{display:flex;flex-wrap:wrap;gap:7px}
.chips label{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--border);border-radius:99px;padding:7px 12px;font-size:13px;cursor:pointer;user-select:none}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips label:has(input:checked){background:var(--navy);color:#fff;border-color:var(--navy)}
.seg{display:grid;gap:8px}
.seg label{display:block;border:1px solid var(--border);border-radius:10px;padding:10px 12px;cursor:pointer;font-size:14px;font-weight:600}
.seg label small{display:block;font-weight:400;color:var(--muted);font-size:12.5px;margin-top:2px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label:has(input:checked){border-color:var(--navy);box-shadow:inset 0 0 0 1px var(--navy);background:#f8fafc}
.yn{display:flex;gap:8px}.yn label{flex:1;text-align:center;padding:9px}
.textlink{background:none;border:0;padding:0;font:inherit;font-size:12.5px;font-weight:600;color:var(--navy);text-decoration:underline;cursor:pointer;margin-top:8px}
.btn{display:block;width:100%;font:inherit;font-weight:700;font-size:16px;border:0;border-radius:10px;padding:14px;background:var(--amber);color:var(--ink);cursor:pointer;margin-top:16px;transition:background .15s}
.btn:hover{background:var(--amber-d)}
.btn:disabled{opacity:.6;cursor:wait}
.btn.ghost{background:#fff;border:1px solid var(--border);font-size:14px;padding:11px}
.btns{display:flex;gap:10px}.btns .btn{margin-top:16px}.btns .ghost{flex:0 0 96px}
.fine{font-size:11.5px;color:var(--muted);text-align:center;margin:10px 0 0}
.note{font-size:12.5px;background:#fffbeb;border:1px solid #fde68a;border-radius:9px;padding:10px 12px;color:#78350f;margin:10px 0;line-height:1.45}
.status{font-size:12.5px;margin-top:6px}
.status.ok{color:var(--ok)}.status.err{color:var(--err)}.status.wait{color:var(--muted)}
.item{border:1px solid var(--border);border-radius:12px;padding:12px 14px 14px;margin:12px 0;position:relative;background:#fcfcfd}
.item h4{margin:0;font-size:13.5px}
.item .rm{position:absolute;top:10px;right:12px;background:none;border:0;color:var(--err);font:inherit;font-size:12px;font-weight:600;cursor:pointer}
.add{font:inherit;font-weight:600;font-size:13.5px;border:1px dashed var(--border);background:#fff;border-radius:10px;padding:11px;width:100%;cursor:pointer;color:var(--navy)}
.cov{border:1px solid var(--border);border-radius:12px;padding:12px 14px;margin:10px 0}
.cov .chk{margin:0;font-weight:700;color:var(--ink);font-size:14px}
.cov p{margin:6px 0 0 28px;font-size:12.5px;color:var(--muted);line-height:1.45}
.cov .more{margin:8px 0 0 28px;display:none}
.cov:has(input[type=checkbox]:checked) .more{display:block}
.review dl{display:grid;grid-template-columns:auto 1fr;gap:4px 12px;font-size:13px;margin:0 0 14px}
.review dt{color:var(--muted)}.review dd{margin:0;font-weight:600;word-break:break-word}
.review h4{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:16px 0 6px;display:flex;justify-content:space-between}
.review h4 button{font:inherit;font-size:12px;text-transform:none;letter-spacing:0;background:none;border:0;color:var(--link);cursor:pointer}
.bigcheck{width:54px;height:54px;border-radius:50%;background:#dcfce7;color:var(--ok);display:grid;place-items:center;font-size:28px;font-weight:800;margin-bottom:8px}
.next{background:var(--soft);border-radius:12px;padding:14px;margin:14px 0;font-size:13.5px;line-height:1.5}
.next ol{margin:6px 0 0;padding-left:18px}
.list{font-size:13px;color:#334155;margin:6px 0 0;padding-left:18px;line-height:1.6}
[hidden]{display:none!important}
body.legal main{grid-template-columns:1fr;max-width:820px}
.legaldoc{line-height:1.65;font-size:15px}
.legaldoc h1{font-size:30px;margin:0 0 4px}
.legaldoc h2{font-size:18px;margin:26px 0 6px}
.legaldoc p,.legaldoc li{color:#334155}
.legaldoc .back{display:inline-block;margin-bottom:14px;font-weight:600;font-size:14px;color:var(--link)}
footer{max-width:1120px;margin:0 auto;padding:30px 20px 40px;color:#93a3c5;font-size:12px;line-height:1.6;border-top:1px solid var(--line)}
footer a{margin-right:14px}
@media (max-width:900px){
  main{grid-template-columns:1fr;gap:24px;padding-top:24px}
  .hero{position:static;padding-top:0}
  .hero h1{font-size:34px}
  .contact .em{display:none}
}
@media (max-width:480px){
  header{padding:12px 16px}
  main{padding:20px 16px}
  .card{padding:20px 16px}
  .row,.row3{grid-template-columns:1fr}
  .hero h1{font-size:30px}
}