:root{
    --ink:#14213A; --ink-2:#243450; --bg:#FAFAF7; --surface:#FFFFFF;
    --muted:#5C6781; --muted-2:#8A93A6; --line:#E7E9EF;
    --amber:#DD8E1F; --amber-soft:#FBF0DC; --amber-line:#EAC588;
    --ok:#1F7A52; --danger:#C0392B;
    --r:14px; --maxw:1180px;
    --serif:"Lora",Georgia,"Times New Roman",serif;
    --sans:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth;overflow-x:hidden}
  body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);
    font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;width:100%}
  h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.18;letter-spacing:-.01em;margin:0}
  p{margin:0}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
  .eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--amber)}
  .btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-weight:700;
    font-size:16px;padding:14px 24px;border-radius:11px;border:0;cursor:pointer;transition:.18s;text-align:center}
  .btn-primary{background:var(--ink);color:#fff}
  .btn-primary:hover{background:var(--ink-2)}
  .btn-amber{background:var(--amber);color:#fff}
  .btn-amber:hover{background:#c47c12}
  .btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
  .btn-ghost:hover{border-color:var(--ink);background:#fff}
  .lane{height:3px;width:100%;background-image:repeating-linear-gradient(90deg,var(--amber-line) 0 26px,transparent 26px 46px);opacity:.9}

  /* header */
  header{position:sticky;top:0;z-index:50;background:rgba(250,250,247,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;gap:26px;height:72px}
  .logo{font-family:var(--serif);font-weight:600;font-size:21px;letter-spacing:-.02em;white-space:nowrap}
  .logo span{color:var(--amber)}
  .nav-links{display:flex;gap:22px;font-size:15px;font-weight:500;margin-left:8px}
  .nav-links a{color:var(--ink-2)}
  .nav-links a:hover{color:var(--amber)}
  .nav-right{margin-left:auto;display:flex;align-items:center;gap:16px}
  .nav-phone{font-weight:700;font-size:17px;white-space:nowrap}
  .nav-phone small{display:block;font-weight:500;font-size:12px;color:var(--muted-2)}
  .burger{display:none;background:none;border:0;font-size:26px;cursor:pointer;color:var(--ink)}

  /* hero */
  .hero{padding:54px 0 30px}
  .hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
  .hero h1{font-size:46px;margin:16px 0 18px}
  .hero .sub{font-size:19px;color:var(--muted);max-width:560px}
  .chips{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 18px}
  .chip{display:inline-flex;align-items:center;gap:7px;background:#fff;border:1px solid var(--line);
    border-radius:9px;padding:9px 13px;font-size:14px;font-weight:600}
  .chip b{color:var(--amber);font-weight:700}
  .costshift{display:flex;align-items:center;gap:10px;font-size:15px;font-weight:600;color:var(--ink-2);
    background:var(--amber-soft);border:1px solid var(--amber-line);border-radius:10px;padding:11px 15px;margin-top:6px}
  .hero-cta{display:flex;gap:12px;margin-top:24px;flex-wrap:wrap}

  /* form card */
  .form-card{background:var(--surface);border:1px solid var(--line);border-radius:18px;
    padding:26px;box-shadow:0 16px 40px -28px rgba(20,33,58,.45)}
  .form-card h3{font-size:22px;margin-bottom:4px}
  .form-card .lead{font-size:14px;color:var(--muted);margin-bottom:18px}
  .field{margin-bottom:12px}
  .field label{display:block;font-size:13px;font-weight:600;color:var(--ink-2);margin-bottom:5px}
  .field input,.field select{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;
    font-family:var(--sans);font-size:15px;background:#fff;color:var(--ink)}
  .field input:focus,.field select:focus{outline:0;border-color:var(--amber)}
  .form-card .btn{width:100%;justify-content:center;margin-top:6px}
  .form-card .btn[disabled]{opacity:.7;cursor:not-allowed}
  .form-status{margin-bottom:14px;padding:12px 14px;border-radius:10px;font-size:14px;font-weight:600}
  .form-status.is-success{background:#e8f6ef;color:var(--ok);border:1px solid #b8e0cc}
  .form-status.is-error{background:#fdecea;color:var(--danger);border:1px solid #f5c6c2}

  /* Legal / privacy page */
  .pd-legal{padding:48px 0 64px}
  .pd-legal__crumbs{font-size:13px;color:var(--muted-2);margin-bottom:16px}
  .pd-legal__crumbs a{color:var(--muted)}
  .pd-legal__title{font-size:36px;line-height:1.15;margin-bottom:10px}
  .pd-legal__meta{font-size:14px;color:var(--muted);margin-bottom:24px}
  .pd-legal__content{color:var(--ink-2);font-size:17px;line-height:1.75}
  .pd-legal__content h2{font-size:24px;margin:28px 0 12px}
  .pd-legal__content h3{font-size:19px;margin:20px 0 10px}
  .pd-legal__content ul{padding-left:1.2em;margin:12px 0}
  .pd-legal__content li{margin:6px 0}
  .pd-legal__cookie{margin-top:28px;font-size:14px}
  footer .pd-cookie-settings,.pd-legal .pd-cookie-settings{color:#9AA4BC!important;text-decoration:underline;background:none;border:0;padding:0;cursor:pointer;font:inherit}
  footer .pd-cookie-settings:hover,.pd-legal .pd-cookie-settings:hover{color:var(--amber)!important}

  /* ConsentOwl: скрыть брендинг в панели настроек cookie */
  .ccp-banner__brand{display:none!important}
  .form-note{font-size:12.5px;color:var(--muted-2);text-align:center;margin-top:11px;line-height:1.5}

  /* sections */
  section{padding:60px 0}
  .sec-head{max-width:660px;margin-bottom:34px}
  .sec-head h2{font-size:34px;margin:12px 0 10px}
  .sec-head p{color:var(--muted);font-size:17px}

  /* situation router (signature) */
  .router{background:var(--ink);color:#fff;border-radius:22px;padding:40px;margin-top:8px}
  .router h2{color:#fff}
  .router .sec-head p{color:#B9C2D6}
  .tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
  .tab{font-family:var(--sans);font-weight:600;font-size:15px;padding:11px 18px;border-radius:10px;
    border:1.5px solid rgba(255,255,255,.2);background:transparent;color:#C8D0E0;cursor:pointer;transition:.15s}
  .tab[aria-selected="true"]{background:var(--amber);border-color:var(--amber);color:#fff}
  .tab:hover:not([aria-selected="true"]){border-color:#fff;color:#fff}
  .sit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
  .sit{display:block;background:#1C2C49;border:1px solid #2C3D5E;border-radius:13px;padding:18px 20px;transition:.16s}
  .sit:hover{background:#22335280;border-color:var(--amber);transform:translateY(-2px)}
  .sit .st{display:flex;justify-content:space-between;align-items:center;font-family:var(--serif);font-size:18px;font-weight:600}
  .sit .st .arr{color:var(--amber);font-size:20px;transition:.16s}
  .sit:hover .st .arr{transform:translateX(4px)}
  .sit p{font-size:14px;color:#AEB8CC;margin-top:6px}
  .sit .guide{display:inline-block;margin-top:11px;font-size:13px;font-weight:600;color:var(--amber);border-bottom:1px dashed var(--amber-line)}
  .panel[hidden]{display:none}

  /* insurance problem block */
  .insure{background:var(--amber-soft);border:1px solid var(--amber-line);border-radius:18px;
    padding:34px 38px;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}
  .insure h2{font-size:28px}
  .insure p{color:var(--ink-2);margin-top:10px;max-width:620px}

  /* services grid */
  .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  .card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:.16s;display:block}
  .card:hover{border-color:var(--amber);box-shadow:0 14px 30px -24px rgba(20,33,58,.5);transform:translateY(-2px)}
  .card h3{font-size:20px;margin-bottom:8px}
  .card p{font-size:15px;color:var(--muted)}
  .card .more{display:inline-block;margin-top:14px;font-weight:700;font-size:14px;color:var(--amber)}

  /* trust / about */
  .about{display:grid;grid-template-columns:300px 1fr;gap:40px;align-items:center}
  .about-photo{aspect-ratio:3/4;background:linear-gradient(160deg,#243450,#14213A);border-radius:18px;
    display:flex;align-items:flex-end;padding:20px;color:#8A93A6;font-size:13px}
  .about h2{font-size:32px;margin-bottom:8px}
  .about .role{color:var(--amber);font-weight:700;font-size:15px;margin-bottom:16px}
  .about ul{list-style:none;padding:0;margin:18px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .about li{display:flex;gap:11px;font-size:15px}
  .about li b{font-family:var(--serif);font-size:24px;color:var(--ink);display:block;line-height:1.1}
  .about li span{color:var(--muted);font-size:13.5px}

  /* cases */
  .cases{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  .case{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;border-top:3px solid var(--amber)}
  .case .res{font-family:var(--serif);font-size:23px;font-weight:600;color:var(--ok);margin-bottom:14px}
  .case dt{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--muted-2);margin-top:12px}
  .case dd{margin:3px 0 0;font-size:14.5px;color:var(--ink-2)}
  .case-note{font-size:12.5px;color:var(--muted-2);margin-top:16px}

  /* steps */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
  .step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
  .step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:30px;color:var(--amber-line);font-weight:600}
  .step h3{font-size:18px;margin:6px 0 6px}
  .step p{font-size:14px;color:var(--muted)}

  /* reviews */
  .grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
  .review{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
  .review p{font-size:16px;color:var(--ink-2)}
  .review .who{display:flex;align-items:center;gap:12px;margin-top:16px}
  .review .av{width:42px;height:42px;border-radius:50%;background:var(--amber-soft);color:var(--amber);
    display:flex;align-items:center;justify-content:center;font-weight:700}
  .review .who b{font-size:15px}
  .review .who span{font-size:13px;color:var(--muted-2);display:block}

  /* journal */
  .journal{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
  .art{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;transition:.16s}
  .art:hover{border-color:var(--amber);transform:translateY(-2px)}
  .art .tag{font-size:12px;font-weight:700;color:var(--amber);text-transform:uppercase;letter-spacing:.05em}
  .art h3{font-size:17px;margin:8px 0 0;line-height:1.3}
  .art .rt{font-size:13px;color:var(--muted-2);margin-top:12px}

  /* faq */
  .faq{max-width:820px}
  .q{border-bottom:1px solid var(--line)}
  .q button{width:100%;text-align:left;background:none;border:0;padding:20px 0;font-family:var(--serif);
    font-size:19px;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:16px}
  .q button .ic{color:var(--amber);font-size:24px;flex:none;transition:.2s}
  .q[aria-expanded="true"] .ic{transform:rotate(45deg)}
  .q .a{max-height:0;overflow:hidden;transition:max-height .25s ease}
  .q .a p{padding-bottom:20px;color:var(--muted);font-size:16px}

  /* local */
  .local{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center;
    background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px}
  .local h2{font-size:28px;margin-bottom:14px}
  .local .map{aspect-ratio:16/11;border-radius:14px;background:repeating-linear-gradient(45deg,#EEF0F4 0 12px,#F6F7FA 12px 24px);
    display:flex;align-items:center;justify-content:center;color:var(--muted-2);font-size:14px;border:1px solid var(--line)}
  .local .row{display:flex;gap:11px;margin-bottom:14px;font-size:16px}
  .local .row .ic{color:var(--amber);font-weight:700}
  .msgs{display:flex;gap:10px;margin-top:8px}
  .msgs a{width:44px;height:44px;border-radius:11px;border:1.5px solid var(--line);display:flex;
    align-items:center;justify-content:center;font-weight:700;font-size:13px;color:var(--ink-2)}
  .msgs a:hover{border-color:var(--amber);color:var(--amber)}

  /* final cta */
  .final{background:var(--ink);color:#fff;border-radius:22px;padding:48px;text-align:center}
  .final h2{color:#fff;font-size:34px;max-width:680px;margin:0 auto 14px}
  .final p{color:#B9C2D6;max-width:560px;margin:0 auto 26px}
  .final .hero-cta{justify-content:center}
  .final .btn-ghost{color:#fff;border-color:rgba(255,255,255,.3)}
  .final .btn-ghost:hover{background:rgba(255,255,255,.08);border-color:#fff}

  /* footer */
  footer{background:#0F1A2E;color:#9AA4BC;padding:48px 0 28px;margin-top:60px;font-size:14.5px}
  .foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:32px;margin-bottom:32px}
  footer .logo{color:#fff;margin-bottom:12px}
  footer h4{color:#fff;font-size:14px;font-family:var(--sans);font-weight:700;margin:0 0 14px;text-transform:uppercase;letter-spacing:.06em}
  footer a{display:block;color:#9AA4BC;margin-bottom:9px}
  footer a:hover{color:var(--amber)}
  .foot-bottom{border-top:1px solid #1E2A42;padding-top:22px;font-size:12.5px;color:#6B768F;line-height:1.6}
  footer .foot-tagline{max-width:300px;margin:0}
  .foot-bottom a{display:inline;color:#9AA4BC}
  .foot-bottom a:hover{color:var(--amber)}

  /* Shared page helpers */
  .pd-crumbs{font-size:13px;color:var(--muted-2);margin-bottom:16px}
  .pd-crumbs a{color:var(--muted)}
  .pd-crumbs a:hover{color:var(--amber)}
  .pd-page-title{font-size:36px;line-height:1.15;margin:0 0 16px}
  .pd-page-title--sm{font-size:34px;margin-bottom:14px}
  .pd-page-title--lg{font-size:40px;margin:12px 0 8px}
  .pd-page-title--plain{font-size:40px;margin:0 0 18px}
  .pd-page-title--index{font-size:34px;margin:0 0 18px}
  .pd-lead{font-size:19px;margin-bottom:22px}
  .pd-lead--spaced{margin-bottom:20px}
  .entry{color:var(--ink-2);font-size:17px;line-height:1.75}
  .pd-block{margin-top:40px}
  .pd-block__title{font-size:28px;margin:0 0 8px}
  .pd-block__title--md{font-size:24px;margin:0 0 12px}
  .pd-h2{font-size:24px;margin:0}
  .pd-related{list-style:none;padding:0;margin:0}
  .pd-related li{padding:10px 0;border-bottom:.5px solid var(--line)}
  .pd-related a{color:var(--ink);font-weight:600}
  .pd-related a:hover{color:var(--amber)}
  .pd-related__res{color:var(--ok);font-size:14px}
  .pd-back{margin-top:24px}
  .pd-back a{color:var(--muted)}
  .pd-back a:hover{color:var(--amber)}
  .pd-muted{color:var(--muted)}
  .pd-link-amber{color:var(--amber)}
  .pd-band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .section--flush{padding-top:0}
  .wrap--narrow{max-width:800px}
  .insure--spaced{margin-top:38px}
  .insure--spaced-sm{margin-top:34px}
  .insure--compact{margin-top:40px;grid-template-columns:1fr auto}
  .faq--full{max-width:100%}
  .pd-mt{margin-top:22px}
  .pd-mt-md{margin-top:26px}
  .pd-journal-meta{color:var(--muted-2);font-size:14px;margin:0 0 24px}
  .pd-journal-tag{font-size:12px;font-weight:700;color:var(--amber);text-transform:uppercase;letter-spacing:.05em}
  .pd-hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
  .form-note a{color:var(--amber)}
  .about-photo{padding:0;overflow:hidden}
  .about-photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%;border-radius:18px;display:block}
  .about-text{color:var(--muted)}
  .about .btn{margin-top:22px}
  .case.is-card{display:block}
  .case .more{display:inline-block;margin-top:12px;font-weight:700;font-size:14px;color:var(--amber)}
  .pd-case-result{font-family:var(--serif);font-size:26px;font-weight:600;color:var(--ok);margin-bottom:20px}
  .pd-case-details{border-top:3px solid var(--amber);margin-bottom:26px}
  .pd-case-service{margin-top:26px;font-size:16px}
  .pd-case-service a{color:var(--amber);font-weight:700}
  .pd-case-cta{margin-top:34px}
  .pd-case-cta h2,.pd-case-service+.insure h2,.insure--spaced h2,.insure--spaced-sm h2,.insure--compact h2{font-size:24px}
  .pd-case-blocks.entry{font-size:17px;line-height:1.75}
  .review.is-single{margin-bottom:0}
  .review.is-single p{font-size:20px}

  @media(max-width:920px){
    .hero-grid,.about,.local,.insure{grid-template-columns:1fr}
    .grid-3,.cases,.steps,.journal{grid-template-columns:repeat(2,1fr)}
    .foot-grid{grid-template-columns:1fr 1fr}
    .insure{text-align:left}
    .about-photo{max-width:280px}
  }
  @media(max-width:640px){
    body{font-size:16px}
    .wrap{padding:0 16px}
    .nav{gap:12px}
    .nav-right{gap:10px}
    .nav .btn-primary{display:none}
    .nav-phone{font-size:15px}
    .nav-phone small{display:none}
    .logo{font-size:19px}
    .burger{display:block}
    .nav-links{position:fixed;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 20px;border-bottom:1px solid var(--line);gap:16px;display:none;box-shadow:0 14px 26px -18px rgba(20,33,58,.5)}
    .nav-links.open{display:flex}
    .hero{padding:34px 0 24px}
    .hero h1{font-size:32px}
    .sec-head h2{font-size:27px}
    .grid-3,.cases,.steps,.journal,.sit-grid,.grid-2,.about ul{grid-template-columns:1fr}
    section{padding:44px 0}
    .router,.final{padding:28px 22px}
    .insure{padding:26px 22px}
  }
  @media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto}}