:root{--navy:#0f2344;--navy2:#183769;--gold:#e4a93a;--gold2:#f0bf59;--bg:#f6f8fc;--line:#dbe2ee;--text:#122238;--muted:#607089;--white:#ffffff;--shadow:0 18px 48px rgba(10,27,52,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'Inter',Arial,sans-serif;color:var(--text);background:var(--bg)}a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:0 auto}
.header{position:sticky;top:0;z-index:40;background:rgba(15,35,68,.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;gap:14px;color:#fff}.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(180deg,var(--gold2),var(--gold));display:flex;align-items:center;justify-content:center;color:#13233a;font-weight:800}.brand-text{display:flex;flex-direction:column}.brand-text strong{font-size:1rem}.brand-text small{font-size:.76rem;color:#cbd8ec}
.menu{display:flex;gap:26px;color:#d8e4f8;font-weight:500}.menu a:hover{color:#fff}
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#14315d 0%, #10284d 65%, #0b1f3d 100%);color:#fff}.hero-bg{position:absolute;inset:0;background:radial-gradient(circle at 78% 18%, rgba(228,169,58,.16), transparent 20%),radial-gradient(circle at 15% 10%, rgba(90,147,255,.12), transparent 18%)}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.02fr .98fr;gap:28px;align-items:center;min-height:760px;padding:48px 0 62px}
.eyebrow{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);color:#e7efff;padding:8px 12px;border-radius:999px;font-size:.84rem;font-weight:700;margin-bottom:20px}
.hero-copy h1{margin:0;font-size:clamp(2.7rem,4vw,4.7rem);line-height:1.02;letter-spacing:-.04em;max-width:720px}.hero-copy p{max-width:620px;margin:18px 0 0;color:#dde7f9;font-size:1.12rem;line-height:1.7}
.hero-points{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.hero-points span{padding:12px 14px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.12);color:#fff;font-weight:600}
.calculator-card,.panel{background:#fff;border-radius:26px;padding:28px;box-shadow:var(--shadow)}.card-head h2,.panel h1{margin:0;color:var(--navy)}.card-head p,.panel p{margin:8px 0 0;color:var(--muted)}
.smart-form{margin-top:18px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:flex;flex-direction:column}.field.full{grid-column:1/-1}
label{font-size:.9rem;font-weight:700;color:#243552;margin-bottom:8px}input,select{width:100%;padding:14px 14px;border:1px solid var(--line);border-radius:12px;background:#fff;color:#15263f;font:inherit}
.primary-btn,.secondary-btn{display:inline-flex;align-items:center;justify-content:center;border:none;border-radius:14px;padding:15px 18px;font-weight:800;cursor:pointer}.primary-btn{width:100%;margin-top:18px;background:linear-gradient(180deg,var(--gold2),var(--gold));color:#122238;box-shadow:0 12px 26px rgba(228,169,58,.28)}.secondary-btn{background:#fff;color:var(--navy)}
.section{padding:76px 0}.alt{background:#fff}.trust{padding:24px 0;background:#fff;border-bottom:1px solid #edf2f8}.trust-wrap{display:flex;align-items:center;gap:18px}.trust-wrap p{margin:0;white-space:nowrap;color:#374760;font-weight:600}.trust-line{height:1px;flex:1;background:#d6deea}
.section-title{display:flex;align-items:center;gap:16px;margin-bottom:30px}.section-title span{height:1px;flex:1;background:#d7deea}.section-title h2{margin:0;white-space:nowrap;font-size:2rem;color:var(--navy)}
.steps,.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step,.benefit-card{background:#fff;border:1px solid #e5ebf4;border-radius:20px;padding:24px;box-shadow:0 10px 24px rgba(15,35,68,.05)}.step-icon{width:60px;height:60px;border-radius:18px;background:linear-gradient(180deg,#1e4884,#10284d);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;margin-bottom:16px}.step h3,.benefit-card strong{display:block;margin:0 0 8px;color:var(--navy)}.step p,.benefit-card p{margin:0;color:var(--muted);line-height:1.6}
.cta{padding:30px 0 70px}.cta-box{background:linear-gradient(180deg,#15315d,#0e2344);border-radius:28px;padding:40px 34px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:var(--shadow)}.cta-box h2{margin:0;font-size:2rem}
.footer{background:#0d1f39;color:#d7e4f9;border-top:1px solid rgba(255,255,255,.08)}.footer-wrap{display:grid;grid-template-columns:1fr auto auto;gap:18px;align-items:center;padding:20px 0}.footer-brand{display:flex;flex-direction:column}.footer-brand small{color:#94a7c7}.footer-links{display:flex;gap:18px}.footer-copy{justify-self:end}
.subpage{background:linear-gradient(180deg,#eef3fb,#f8fafe)}.narrow{max-width:860px}.subnav{padding:28px 0 12px}.subnav a{font-weight:700;color:var(--navy)}.auth-wrap{min-height:100vh;display:grid;place-items:center}.auth-panel{max-width:520px;margin:60px auto}
@media(max-width:980px){.menu{display:none}.hero-grid,.steps,.benefits,.footer-wrap,.form-grid,.cta-box{grid-template-columns:1fr}.cta-box{justify-items:start}}
@media(max-width:640px){.hero-copy h1{font-size:2.45rem}.section-title h2{white-space:normal;text-align:center;font-size:1.6rem}.trust-wrap{flex-direction:column}.trust-wrap p{white-space:normal;text-align:center}}

.lang-switch {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  font-weight: 700;
  color: #d8e4f8;
}

.lang-switch a {
  color: #d8e4f8;
}

.lang-switch a:hover {
  color: #ffffff;
}