:root{
  --navy:#0A1F44; --navy-2:#12357A; --red:#E5322D; --red-d:#C4241F; --ink:#14203A; --muted:#5B6782;
  --bg:#F5F7FB; --card:#fff; --line:#E3E8F2; --green:#0E9F6E; --radius:16px;
  --shadow:0 10px 30px rgba(10,31,68,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
h1,h2,h3,h4{font-family:Poppins,Inter,sans-serif;line-height:1.15;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:700;text-align:center}
h1 em{font-style:normal;color:var(--red)}
a{color:var(--navy-2)}
img{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.muted{color:var(--muted)} .small{font-size:.86rem} .center{text-align:center}
.sub{color:var(--muted);text-align:center;max-width:640px;margin:0 auto 2.2rem}
.sub.left{text-align:left;margin-left:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.75em 1.3em;border-radius:12px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font:600 1rem Inter,sans-serif;transition:.15s}
.btn-lg{padding:.95em 1.6em;font-size:1.05rem}
.btn-block{width:100%}
.btn-red{background:var(--red);color:#fff} .btn-red:hover{background:var(--red-d)}
.btn-navy{background:var(--navy);color:#fff} .btn-navy:hover{background:var(--navy-2)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)} .btn-ghost:hover{background:var(--navy);color:#fff}
.btn-ghost-dark{background:#fff;color:var(--navy);border-color:#fff}
/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand img{height:46px;width:auto}
.links{display:flex;gap:26px}
.links a{color:var(--ink);text-decoration:none;font-weight:500}
.links a:hover{color:var(--red)}
.nav-cta{display:flex;align-items:center;gap:14px}
.tel{font-weight:600;text-decoration:none;color:var(--navy);white-space:nowrap}
.burger{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--navy)}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#DCE6FA 0,transparent 60%),linear-gradient(#fff,var(--bg));padding:64px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:#FDECEC;color:var(--red-d);font-weight:600;font-size:.85rem;padding:.35em .8em;border-radius:99px;margin-bottom:1rem}
.lead{font-size:1.15rem;color:#33405C;max-width:600px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin:1.6rem 0}
.hero-cta.center{justify-content:center}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.ticks li::before{content:"✓";color:var(--green);font-weight:800;margin-right:.6em}
.hero-card{background:var(--card);border-radius:22px;box-shadow:var(--shadow);padding:26px;border:1px solid var(--line)}
.hc-top{display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--navy);margin-bottom:10px}
.pill{background:#E7F7F0;color:var(--green);font-size:.78rem;padding:.25em .7em;border-radius:99px}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px dashed var(--line)}
.rate-row strong{font-family:Poppins;font-size:1.35rem;color:var(--navy)}
.rate-row.big strong{color:var(--red);font-size:1.6rem}
.hc-img{border-radius:14px;margin-top:14px;aspect-ratio:16/9;object-fit:cover;object-position:50% 50%;width:100%}
.band{background:var(--navy);color:#fff}
.band-grid{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:26px 20px}
.band strong{display:block;font-family:Poppins;font-size:1.8rem}
.band span{opacity:.8;font-size:.92rem}
/* sections */
.sec{padding:76px 0}
.sec.alt{background:#fff}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
.plan{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:28px;display:flex;flex-direction:column;position:relative;box-shadow:var(--shadow)}
.plan.featured{border:2px solid var(--red)}
.plan.funding{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;border:0}
.plan.funding h3,.plan.funding .price,.plan.funding .price small{color:#fff}.plan.funding .muted{color:#C9D5F0}
.tag{position:absolute;top:-13px;left:24px;background:var(--red);color:#fff;font-size:.78rem;font-weight:700;padding:.3em .8em;border-radius:99px}
.price{font-family:Poppins;font-weight:800;font-size:2.6rem;color:var(--navy)}
.price small{font-size:1rem;font-weight:600;color:var(--muted)}
.plan ul{list-style:none;padding:0;margin:1rem 0 1.4rem;flex:1;display:grid;gap:.55rem;align-content:start}
.plan li{padding-left:1.5em;position:relative}
.plan li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.plan.funding li::before{color:#7FE0B5}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.calc-grid h2{text-align:left}
.calc-grid label{display:block;font-weight:600;margin-bottom:14px;color:var(--navy)}
input,select,textarea{width:100%;padding:.8em .9em;border:1.5px solid var(--line);border-radius:12px;font:inherit;background:#fff;margin-top:6px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 3px #DCE6FA}
.calc-out{background:var(--bg);border-radius:20px;padding:26px;border:1px solid var(--line)}
.co-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line)}
.co-row strong{font-family:Poppins;font-size:1.25rem}
.co-row.save strong{color:var(--green);font-size:1.6rem}
.co-row.fund strong{color:var(--red)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:2rem}
.step{background:#fff;border-radius:18px;padding:24px;border:1px solid var(--line)}
.step span{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--red);color:#fff;font:700 1.1rem Poppins;margin-bottom:12px}
.sectors{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin:1.6rem 0 2.4rem}
.sectors span{background:var(--bg);border:1px solid var(--line);padding:.5em 1em;border-radius:99px;font-weight:500}
.bonus{display:flex;justify-content:space-between;align-items:center;gap:24px;background:linear-gradient(120deg,#FFF1F0,#fff);border:1px solid #F7C9C7;border-radius:20px;padding:28px 32px}
.bonus h3{color:var(--red);font-size:1.6rem}
.faq{max-width:800px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:10px}
summary{font-weight:600;cursor:pointer;color:var(--navy)}
details p{margin:.7em 0 0;color:#33405C}
.cta-final{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:70px 0}
.cta-final h2{color:#fff}
.cta-final .btn-ghost{color:#fff;border-color:#fff}
.foot{background:#071633;color:#C9D5F0;padding:54px 0 26px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.foot h4{color:#fff}
.foot a{display:block;color:#C9D5F0;text-decoration:none;margin-bottom:.4em}
.foot a:hover{color:#fff}
.foot-logo{height:54px;background:#fff;border-radius:10px;padding:6px 10px;margin-bottom:12px}
.foot .muted{color:#94A3C4}
.partner{color:#fff;font-weight:600}
.fine{border-top:1px solid #1C2E55;margin-top:30px;padding-top:18px;line-height:1.5}
/* forms / pages */
.page{padding:48px 0 80px}
.panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow);max-width:860px;margin:0 auto}
.panel h2{text-align:left}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.field{display:block;font-weight:600;color:var(--navy);font-size:.95rem}
.field small{display:block;font-weight:400;color:var(--muted)}
.fieldset{border-top:1px solid var(--line);margin-top:24px;padding-top:20px}
.choice{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.choice label{border:1.5px solid var(--line);border-radius:14px;padding:14px;cursor:pointer;display:block}
.choice input{width:auto;margin:0 .5em 0 0}
.choice label:has(input:checked){border-color:var(--red);background:#FFF6F5}
.check{display:flex;gap:.6em;align-items:flex-start;font-weight:500}
.check input{width:auto;margin-top:.3em}
.alert{padding:14px 18px;border-radius:12px;margin-bottom:18px}
.alert.ok{background:#E7F7F0;color:#05603A}
.alert.err{background:#FDECEC;color:#8A1C17}
.terms td,.terms th{padding:10px 8px;border-bottom:1px solid var(--line);text-align:left}
.terms{width:100%;border-collapse:collapse;margin:1rem 0}
/* chat */
.chat{position:fixed;right:18px;bottom:18px;z-index:100}
.chat-fab{background:var(--red);color:#fff;border:0;border-radius:99px;padding:14px 20px;font:600 1rem Inter;box-shadow:0 10px 30px rgba(229,50,45,.35);cursor:pointer}
.chat-box{width:min(380px,calc(100vw - 36px));height:min(560px,calc(100vh - 110px));background:#fff;border-radius:20px;box-shadow:0 20px 60px rgba(10,31,68,.25);display:flex;flex-direction:column;overflow:hidden}
.chat-box[hidden]{display:none}
.chat-head{background:var(--navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center}
.chat-head small{display:block;opacity:.75}
.chat-head button{background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
.chat-log{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;background:var(--bg)}
.msg{max-width:85%;padding:10px 13px;border-radius:14px;white-space:pre-wrap;word-wrap:break-word;font-size:.95rem}
.msg.ai{background:#fff;border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:4px}
.msg.me{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.msg a{color:var(--red)}
.msg.typing{opacity:.6}
.chat-form{display:flex;gap:8px;padding:10px;border-top:1px solid var(--line)}
.chat-form input{margin:0}
@media (max-width:900px){
  .hero-grid,.calc-grid,.plans,.foot-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .band-grid{grid-template-columns:1fr 1fr;gap:16px}
  .links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 20px;border-bottom:1px solid var(--line)}
  .links.open{display:flex}
  .burger{display:block}
  .tel{display:none}
  .bonus{flex-direction:column;align-items:flex-start}
  .grid2,.choice{grid-template-columns:1fr}
}
@media (max-width:520px){.steps{grid-template-columns:1fr}.nav-cta .btn{padding:.6em .9em}.brand img{height:38px}.chat-fab span{display:none}}
.chat-fab .dot,.chat-head .dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:#2ECC71;margin-right:6px;box-shadow:0 0 0 3px rgba(46,204,113,.25)}
.chat-fab .dot{display:inline-block!important}
.chat-who{display:flex;align-items:center;gap:10px}
.avatar{width:38px;height:38px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font:700 1.1rem Poppins}