:root {
  --gold: #ffd000;
  --navy: #163a8a;
  --ink: #102038;
  --muted: #3d4f6f;
  --surface: rgba(255, 255, 255, 0.92);
  --line: rgba(255, 255, 255, 0.62);
  --shadow: 0 22px 48px -20px rgba(16, 42, 120, 0.45);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  font-family: Manrope, system-ui, sans-serif;
  background: #1a74ff;
}
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(1100px 620px at 8% 0%, #4eb0ff 0%, transparent 58%),
    radial-gradient(900px 540px at 100% 8%, #ff5a3c 0%, transparent 52%),
    radial-gradient(820px 500px at 92% 100%, #ffd400 0%, transparent 55%),
    radial-gradient(760px 460px at 0% 100%, #b56bff 0%, transparent 52%),
    linear-gradient(128deg, #1a74ff 0%, #4f7dff 22%, #8b5cff 42%, #ff5d8a 62%, #ff9a2e 82%, #ffd400 100%);
  background-size: 160% 160%;
  animation: shift 16s ease-in-out infinite alternate;
}
@keyframes shift {
  from { background-position: 0 0; }
  to { background-position: 100% 100%; }
}
@keyframes rise {
  from { opacity: 0; transform: translateY(18px) scale(0.98); }
  to { opacity: 1; transform: none; }
}
.rise { animation: rise 0.6s cubic-bezier(0.22, 1, 0.36, 1) both; }
.skip {
  position: absolute;
  left: -999px;
}
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; }
.top {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 16px 7vw;
  backdrop-filter: blur(16px);
  background: rgba(16, 32, 56, 0.18);
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  text-decoration: none;
  font-weight: 800;
}
.mark {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: linear-gradient(180deg, #f0cc5a, var(--gold));
  color: #102a56;
}
.nav { display: flex; gap: 18px; flex: 1; }
.nav a { color: #fff; text-decoration: none; font-weight: 600; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 16px;
  padding: 12px 18px;
  font: 700 15px Manrope, sans-serif;
  text-decoration: none;
  cursor: pointer;
}
.btn-gold { background: linear-gradient(180deg, #f0cc5a, var(--gold)); color: #102a56; }
.btn-ghost { background: rgba(255,255,255,0.18); color: #fff; }
.wide { width: 100%; }
.hero {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  padding: 72px 7vw 40px;
  align-items: center;
}
.eyebrow {
  color: var(--gold);
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 12px;
}
h1, h2, .sum, .brand {
  font-family: Unbounded, Georgia, serif;
}
h1 {
  margin: 14px 0 0;
  font-size: clamp(34px, 5vw, 62px);
  line-height: 1.08;
  color: #fff;
}
h2 { font-size: clamp(28px, 3vw, 42px); margin: 0 0 16px; color: #fff; }
h3 { margin: 0 0 8px; font-size: 18px; }
.lead, .sub { color: rgba(255,255,255,0.86); max-width: 680px; font-size: 18px; }
.hero-actions { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.hero-points { display: flex; gap: 18px; padding: 0; margin: 28px 0 0; list-style: none; color: #fff; flex-wrap: wrap; }
.hero-points li { font-weight: 700; }
.hero-card, .card, .calc, .form, .mini-board {
  background: var(--surface);
  border-radius: 28px;
  box-shadow: var(--shadow);
}
.hero-card { padding: 22px; }
.mini-board { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; padding: 16px; }
.col { background: rgba(26, 116, 255, 0.08); border-radius: 18px; padding: 12px; display: grid; gap: 8px; }
.col span { background: #fff; border-radius: 12px; padding: 8px; font-size: 13px; }
.col.gold { background: color-mix(in srgb, var(--gold) 28%, white); }
.strip {
  margin: 20px 7vw;
  padding: 18px 24px;
  border-radius: 22px;
  background: rgba(16, 32, 56, 0.28);
  color: #fff;
  font-weight: 700;
}
.block { padding: 56px 7vw; }
.grid-3, .grid-4 { display: grid; gap: 16px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { padding: 22px; }
.pills { display: flex; flex-wrap: wrap; gap: 10px; padding: 0; list-style: none; }
.pills li {
  background: var(--surface);
  border-radius: 999px;
  padding: 10px 16px;
  font-weight: 700;
}
.table-wrap { overflow: auto; border-radius: 24px; background: var(--surface); }
table { width: 100%; border-collapse: collapse; min-width: 760px; }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid #e6ebf5; }
th { background: #102a56; color: #fff; }
tr td:nth-child(2) { font-weight: 800; color: var(--navy); }
.calc {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
  padding: 28px;
}
.calc-sliders label { display: block; margin-bottom: 22px; font-weight: 700; }
.calc-sliders span { display: flex; justify-content: space-between; }
input[type="range"] { width: 100%; accent-color: #163a8a; }
.calc-total .sum { font-size: 44px; margin: 6px 0 10px; }
.muted { color: var(--muted); margin: 0; }
.small { font-size: 14px; }
.save { color: #167a3a; font-weight: 800; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; padding: 0; list-style: none; counter-reset: s; }
.steps li {
  background: var(--surface);
  border-radius: 24px;
  padding: 20px;
  min-height: 160px;
}
.steps li::before {
  counter-increment: s;
  content: "0" counter(s);
  display: block;
  color: var(--navy);
  font-weight: 800;
  margin-bottom: 8px;
}
details { background: var(--surface); border-radius: 20px; padding: 16px 20px; margin: 10px 0; }
summary { cursor: pointer; font-weight: 800; }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; padding: 24px; max-width: 820px; }
.form label { display: grid; gap: 6px; font-weight: 700; font-size: 13px; }
.form .full { grid-column: 1 / -1; }
.form input, .form textarea {
  border: 1px solid #d5deee;
  border-radius: 16px;
  padding: 12px 14px;
  font: 500 15px Manrope, sans-serif;
}
.form-note { grid-column: 1 / -1; color: #167a3a; font-weight: 700; }
.foot { padding: 28px 7vw 48px; color: #fff; }
.foot a { color: #fff; }
@media (max-width: 980px) {
  .nav, .top .btn { display: none; }
  .hero, .calc, .grid-3, .grid-4, .steps, .form { grid-template-columns: 1fr; }
  .hero { padding-top: 36px; }
}