:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --text:#172033;
  --muted:#5b667a;
  --line:#dbe3ef;
  --brand:#1453ff;
  --brand-2:#0d3dbf;
  --ok:#0f7b43;
  --warn:#8a5a00;
  --danger:#8f2630;
  --shadow:0 10px 30px rgba(22,33,60,.08);
  --radius:18px;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font:16px/1.6 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--text);background:linear-gradient(180deg,#f9fbff 0,#f6f8fb 100%);
}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.topbar{background:#0f1830;color:#e8eefc;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:10px 20px}
header.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{font-weight:800;color:#102040;font-size:20px;letter-spacing:.1px}
.logo small{display:block;color:var(--muted);font-weight:600;font-size:11px;letter-spacing:.6px;text-transform:uppercase}
.logo-full{height:48px;width:auto;max-width:240px}
nav ul{list-style:none;display:flex;gap:18px;padding:0;margin:0;flex-wrap:wrap}
nav a{color:#26314c;font-weight:600}
.btn, button.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  border:0;background:var(--brand);color:#fff;padding:14px 18px;border-radius:12px;
  font-weight:700;box-shadow:var(--shadow);cursor:pointer
}
.btn:hover, button.btn:hover{background:var(--brand-2);text-decoration:none}
.btn.secondary{background:#eef4ff;color:#16327a;box-shadow:none;border:1px solid #cfe0ff}
.hero{padding:48px 0 24px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}
.hero-copy h1{font-size:42px;line-height:1.1;margin:0 0 14px}
.hero-copy p.lead{font-size:19px;color:var(--muted);margin:0 0 18px}
.hero-bullets{display:grid;gap:10px;margin:20px 0}
.hero-bullets div{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid var(--line);padding:12px 14px;border-radius:14px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.form-card{padding:18px}
.form-card h2{font-size:24px;line-height:1.2;margin:0 0 8px}
.form-card p{margin:0 0 14px;color:var(--muted)}
form{display:grid;gap:12px}
.form-step{border:0;padding:0;margin:0;display:grid;gap:12px}
.form-step legend{font-size:14px;font-weight:700;color:#3a4660;padding:0 0 2px}
.form-actions{display:flex;gap:10px;flex-wrap:wrap}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
input,select,textarea{
  width:100%;padding:13px 14px;border:1px solid #cdd7e6;border-radius:12px;background:#fff;
  color:var(--text);font:inherit
}
label{display:block;font-weight:600;margin-bottom:6px;color:#2b3650}
label.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#364154}
label.check input{width:auto;margin-top:4px}
.small{font-size:13px;color:var(--muted)}
.financial-disclaimer{
  font-size:13px;
  color:#3a4660;
  background:#f4f7fc;
  border:1px solid var(--line);
  border-radius:10px;
  padding:10px 12px;
}
.note{background:#fff8e9;border:1px solid #f0dfad;color:#614c00;padding:12px 14px;border-radius:14px}
.success{background:#edf9f1;border:1px solid #c8ead1;color:#145c34;padding:12px 14px;border-radius:14px;display:none}
.hp-field{position:absolute;left:-9999px;opacity:0;pointer-events:none}
section{padding:24px 0}
.section-title{font-size:30px;line-height:1.15;margin:0 0 8px}
.section-intro{color:var(--muted);max-width:840px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tile{padding:18px}
.tile h3{margin:0 0 8px;font-size:20px}
.tile p{margin:0;color:var(--muted)}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.kpi{padding:18px;text-align:center}
.kpi strong{display:block;font-size:28px}
.kpi span{color:var(--muted);font-size:14px}
.content-wrap{display:grid;grid-template-columns:1fr 320px;gap:24px}
.content{padding:24px}
.content h2{font-size:30px;line-height:1.15;margin:8px 0 10px}
.content h3{font-size:23px;margin:24px 0 8px}
.content p,.content li{color:#26314c}
.content ul,.content ol{padding-left:20px}
.sidebar{display:grid;gap:16px;align-self:start;position:sticky;top:86px}
.side-card{padding:18px}
.side-card h3{margin:0 0 10px;font-size:19px}
.inline-badges{display:flex;flex-wrap:wrap;gap:10px}
.badge{display:inline-flex;align-items:center;padding:6px 10px;border-radius:999px;background:#edf3ff;color:#20439c;font-size:13px;font-weight:700}
.compare{overflow:auto}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}
th,td{padding:14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f4f7fc}
.callout{padding:18px;border-left:5px solid var(--brand);background:#f7faff;border-radius:12px}
.warning{padding:18px;border-left:5px solid var(--warn);background:#fff9ec;border-radius:12px}
.footer{margin-top:28px;background:#0f1830;color:#d7e0f3}
.footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:18px;padding:30px 0}
.footer h4{margin:0 0 8px}
.footer h4{display:flex;align-items:center;gap:10px}
.footer-logo-square{width:28px;height:28px;border-radius:8px}
.footer p,.footer li{color:#d7e0f3}
.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:14px 0;color:#b9c7e6;font-size:14px}
.toc{padding:18px}
.toc ol{margin:0;padding-left:18px}
.city-links{columns:2}
.page-hero{padding:34px 0 14px}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:10px}
.breadcrumbs a{color:var(--muted)}
.disclaimer-strip{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.disclaimer-strip .container{padding:12px 20px;color:#38455e;font-size:14px}
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{
  outline:3px solid #8bb2ff;
  outline-offset:2px;
}
@media (max-width: 980px){
  .hero-grid,.content-wrap,.tiles,.kpis,.footer-grid,.grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .sidebar{position:static}
  .hero-copy h1{font-size:34px}
  nav ul{display:none}
}