*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0b2545;--blue:#1d6fd8;--light:#f4f7fb;--text:#1f2a37;--muted:#5b6777}
body{font-family:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.6}
a{color:var(--blue);text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
header{background:#fff;border-bottom:1px solid #e5e9f0;position:sticky;top:0;z-index:10}
.nav{display:flex;justify-content:space-between;align-items:center;height:68px}
.logo{font-weight:800;font-size:1.35rem;color:var(--navy);letter-spacing:-.5px}
.logo span{color:var(--blue)}
.nav ul{list-style:none;display:flex;gap:28px}
.nav ul a{color:var(--text);font-weight:500}
.nav ul a.active,.nav ul a:hover{color:var(--blue)}
.hero{background:linear-gradient(135deg,var(--navy),#13427a);color:#fff;padding:96px 0 88px}
.hero h1{font-size:2.8rem;line-height:1.2;max-width:760px;margin-bottom:20px}
.hero p{font-size:1.15rem;max-width:640px;opacity:.9;margin-bottom:32px}
.btn{display:inline-block;padding:13px 26px;border-radius:6px;font-weight:600;background:var(--blue);color:#fff;border:0;cursor:pointer;font-size:1rem}
.btn.alt{background:transparent;border:2px solid #fff;margin-left:12px}
section{padding:72px 0}
section.alt{background:var(--light)}
h2{font-size:2rem;color:var(--navy);margin-bottom:12px}
.lead{color:var(--muted);max-width:700px;margin-bottom:40px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.card{background:#fff;border:1px solid #e5e9f0;border-radius:10px;padding:28px}
.card h3{color:var(--navy);margin-bottom:10px}
.card ul{margin:12px 0 0 18px;color:var(--muted)}
.tz{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:16px;margin-top:24px}
.tz div{background:#fff;border-radius:8px;padding:18px;text-align:center;border:1px solid #e5e9f0}
.tz b{display:block;color:var(--navy);font-size:1.1rem}
.ph{background:#fff4c2;border:1px dashed #c9a400;padding:1px 6px;border-radius:4px;font-size:.92em}
.badge{display:inline-block;background:#e8f1fd;color:var(--blue);padding:4px 12px;border-radius:20px;font-size:.85rem;font-weight:600;margin-bottom:16px}
.hero .badge{background:rgba(255,255,255,.15);color:#fff}
form{display:grid;gap:14px;max-width:620px}
input,textarea,select{padding:12px;border:1px solid #cdd5df;border-radius:6px;font:inherit;width:100%}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff}
footer{background:#081a33;color:#aab6c5;padding:32px 0;font-size:.9rem}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
@media(max-width:720px){.hero h1{font-size:2rem}.nav ul{gap:14px;font-size:.9rem}.two{grid-template-columns:1fr}.btn.alt{margin:12px 0 0}}
.note{font-size:.88rem;color:var(--muted)}
footer a{color:#cfd8e3;margin-left:16px}
.wa-float{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25d366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 12px rgba(0,0,0,.25);z-index:50}
.wa-float:hover{background:#1ebe5b}