:root{--navy:#0f2540;--navy-2:#163a63;--gold:#c9a14a;--gold-2:#b08a35;--ink:#1c2430;--muted:#5b6673;--line:#e4e8ee;--bg:#f7f8fa;--white:#fff;--radius:12px;--max:1080px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--navy-2)}img,svg{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 12px}.skip:focus{left:8px;top:8px;z-index:99}
header.top{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:12px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;letter-spacing:.2px}
.logo svg{width:32px;height:32px}
nav.main{display:none;gap:22px}nav.main a{text-decoration:none;color:var(--ink);font-weight:500}nav.main a:hover{color:var(--navy-2)}
.hdr-cta{display:flex;gap:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:16px;line-height:1;min-height:44px;transition:transform .08s,background .15s}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--gold);color:#1a1300;border-color:var(--gold)}.btn-primary:hover{background:var(--gold-2);border-color:var(--gold-2)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-sm{padding:9px 14px;font-size:14px;min-height:40px}
.btn svg{width:18px;height:18px}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,#1e4a7a 100%);color:#fff;padding:56px 0 48px}
.hero h1{font-size:clamp(30px,5.5vw,46px);line-height:1.12;margin:0 0 14px;letter-spacing:-.3px}
.hero p.lead{font-size:18px;opacity:.92;max-width:560px;margin:0 0 24px}
.hero .actions{display:flex;flex-wrap:wrap;gap:10px}
.hero .actions .btn-outline{color:#fff;border-color:rgba(255,255,255,.7)}.hero .actions .btn-outline:hover{background:#fff;color:var(--navy)}
.trust{display:flex;flex-wrap:wrap;gap:14px 26px;margin-top:26px;font-size:14px;opacity:.9}
.trust span{display:flex;align-items:center;gap:6px}
section{padding:48px 0}section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(24px,3.6vw,32px);margin:0 0 8px;color:var(--navy);letter-spacing:-.2px}
.sub{color:var(--muted);margin:0 0 26px;max-width:620px}
.grid{display:grid;gap:16px}@media(min-width:700px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin:0 0 6px;font-size:18px;color:var(--navy)}.card p{margin:0;color:var(--muted);font-size:15px}
.card .ico{width:40px;height:40px;border-radius:10px;background:#fbf4e3;display:flex;align-items:center;justify-content:center;margin-bottom:12px;color:var(--gold-2)}
.steps{counter-reset:s}.steps .card{position:relative;padding-left:64px}
.steps .card:before{counter-increment:s;content:counter(s);position:absolute;left:20px;top:22px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:15px}
.rev-head{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-bottom:18px}
.rev-score{font-size:40px;font-weight:800;color:var(--navy);line-height:1}
.stars{color:#f5b301;letter-spacing:1px;font-size:18px}
.rev-meta{color:var(--muted);font-size:14px}
.rev-track{display:grid;grid-auto-flow:column;grid-auto-columns:min(85%,320px);gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:8px;-webkit-overflow-scrolling:touch}
@media(min-width:900px){.rev-track{grid-auto-flow:row;grid-template-columns:repeat(4,1fr);grid-auto-columns:auto;overflow:visible}}
.rev{scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;flex-direction:column;gap:8px}
.rev .who{display:flex;align-items:center;gap:10px;font-weight:600;font-size:15px}
.rev .av{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px}
.rev .when{color:var(--muted);font-weight:400;font-size:13px}
.rev p{margin:0;font-size:15px;color:#2c3641}
.g-badge{display:inline-flex;align-items:center;gap:6px;font-size:13px;color:var(--muted);margin-top:14px}
.start-hero{background:linear-gradient(160deg,var(--navy),#1e4a7a);color:#fff;padding:36px 0 40px}
.pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 12px 6px 6px;font-size:14px;margin-bottom:18px}
.pill .av{width:26px;height:26px;border-radius:50%;background:var(--gold);color:#1a1300;font-weight:700;font-size:12px;display:flex;align-items:center;justify-content:center}
.start-hero h1{font-size:clamp(28px,6vw,42px);margin:0 0 10px;line-height:1.15}
.start-hero p{font-size:17px;opacity:.92;max-width:560px;margin:0 0 22px}
.lo-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:18px;display:flex;gap:14px;align-items:center;margin-top:10px;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.lo-card .av{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:20px;display:flex;align-items:center;justify-content:center;flex:none}
.lo-card .nm{font-weight:700;color:var(--navy)}.lo-card .tt{color:var(--muted);font-size:14px}
.cta-row{display:grid;grid-template-columns:1fr;gap:10px;margin-top:22px}@media(min-width:520px){.cta-row{grid-template-columns:1fr 1fr 1fr}}
.cta-row .btn{width:100%}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));display:grid;grid-template-columns:2fr 1fr 1fr;gap:8px;z-index:30;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.sticky-cta .btn{width:100%;padding:12px 8px}
body.has-sticky{padding-bottom:78px}
@media(min-width:900px){.sticky-cta{display:none}body.has-sticky{padding-bottom:0}}
.note{background:#fff8e6;border:1px solid #f1dfae;border-radius:10px;padding:12px 14px;font-size:14px;color:#5a4400}
.form-shell{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;min-height:200px}
.demo-form label{display:block;font-weight:600;font-size:14px;margin:12px 0 6px}
.demo-form input,.demo-form select{width:100%;padding:12px;border:1px solid #c8cfd8;border-radius:8px;font-size:16px}
.demo-form .row{display:grid;gap:12px}@media(min-width:600px){.demo-form .row{grid-template-columns:1fr 1fr}}
.hidden-debug{margin-top:14px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:13px;background:#0f2540;color:#d9e6f5;padding:12px;border-radius:8px;overflow:auto}
footer{background:var(--navy);color:#c9d3df;padding:40px 0 30px;font-size:14px}
footer a{color:#fff}footer .cols{display:grid;gap:22px}@media(min-width:700px){footer .cols{grid-template-columns:2fr 1fr 1fr}}
footer h4{color:#fff;margin:0 0 8px;font-size:15px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:4px 0}
footer .legal{margin-top:24px;border-top:1px solid rgba(255,255,255,.15);padding-top:16px;font-size:12px;color:#9fb0c3;line-height:1.5}
.center{text-align:center}.mt{margin-top:18px}.muted{color:var(--muted)}
.notfound{padding:70px 0}.notfound h1{font-size:clamp(34px,8vw,64px);margin:0 0 6px;color:var(--navy)}
.toast{position:fixed;top:12px;left:50%;transform:translateX(-50%);background:#111;color:#fff;padding:10px 14px;border-radius:8px;font-size:14px;z-index:99;opacity:0;pointer-events:none;transition:opacity .2s}.toast.show{opacity:1}
@media(min-width:900px){nav.main{display:flex}}
@media(max-width:899px){.hdr-cta .btn-outline{display:none}}