:root {
  --ink: #11232f;
  --ink-2: #183849;
  --muted: #607482;
  --line: #d8e4e5;
  --bg: #f5f8f7;
  --paper: #ffffff;
  --accent: #11856f;
  --accent-2: #0d6658;
  --mint: #dff5ed;
  --sand: #f2eadb;
  --warning: #a86d13;
  --radius: 22px;
  --shadow: 0 18px 50px rgba(17, 35, 47, .11);
  --nav-height: 74px;
  --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.62;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
address { font-style: normal; }
.container { width: min(var(--max), calc(100% - 36px)); margin: 0 auto; }
.skip-link { position: absolute; top: -44px; left: 12px; padding: 10px 14px; background: var(--ink); color: white; z-index: 1000; border-radius: 10px; }
.skip-link:focus { top: 12px; }
.site-nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: blur(18px); border-bottom: 1px solid rgba(216,228,229,.8); }
.nav-inner { height: var(--nav-height); display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 850; letter-spacing: -.03em; font-size: 1.22rem; }
.brand img { width: 37px; height: 37px; }
.nav-links { display: flex; align-items: center; gap: 24px; font-weight: 650; font-size: .94rem; color: #244554; }
.nav-links a:hover { color: var(--accent); }
.nav-cta { display: inline-flex; align-items: center; justify-content: center; min-height: 42px; padding: 0 18px; border-radius: 999px; background: var(--ink); color: white; font-weight: 800; box-shadow: 0 12px 24px rgba(17,35,47,.15); }
.nav-cta:hover { background: var(--accent-2); color: white; }
.nav-toggle { display: none; border: 0; background: var(--ink); color: white; border-radius: 12px; padding: 10px 13px; font-weight: 800; }
.mobile-menu { display: none; padding: 0 18px 18px; background: white; border-bottom: 1px solid var(--line); }
.mobile-menu.is-open { display: grid; gap: 12px; }
.mobile-menu a { padding: 12px 10px; border-radius: 12px; font-weight: 700; }
.mobile-menu a:hover { background: var(--mint); }
.hero { position: relative; overflow: hidden; background: radial-gradient(circle at 16% 12%, rgba(17,133,111,.22), transparent 28%), linear-gradient(135deg, #102531 0%, #183849 48%, #0d6658 100%); color: white; padding: 92px 0 58px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.kicker { display: inline-flex; align-items: center; gap: 8px; padding: 8px 12px; border: 1px solid rgba(255,255,255,.2); background: rgba(255,255,255,.08); border-radius: 999px; color: #d6fff1; font-weight: 800; text-transform: uppercase; letter-spacing: .12em; font-size: .73rem; }
h1, .page-title { font-size: clamp(2.45rem, 6vw, 5rem); line-height: 1.02; letter-spacing: -.055em; margin: 22px 0 18px; }
.hero p { color: #d6e4e7; font-size: 1.12rem; max-width: 680px; margin: 0 0 28px; }
.actions { display: flex; flex-wrap: wrap; gap: 13px; align-items: center; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 22px; border-radius: 999px; border: 1px solid transparent; font-weight: 850; cursor: pointer; }
.btn.primary { background: var(--accent); color: white; box-shadow: 0 14px 32px rgba(17,133,111,.28); }
.btn.primary:hover { background: #0d7664; }
.btn.secondary { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.25); color: white; }
.btn.light { background: var(--paper); color: var(--ink); border-color: var(--line); }
.hero-card { background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.18); border-radius: 32px; padding: 20px; box-shadow: 0 24px 70px rgba(0,0,0,.18); }
.hero-card img { border-radius: 24px; aspect-ratio: 4/3; object-fit: cover; width: 100%; }
.rate-panel { margin-top: -32px; position: relative; z-index: 2; }
.rate-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.rate-tile { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: 18px; box-shadow: var(--shadow); }
.rate-tile span { color: var(--muted); font-size: .84rem; font-weight: 750; text-transform: uppercase; letter-spacing: .08em; }
.rate-tile strong { display: block; font-size: 1.45rem; margin-top: 5px; }
.rate-tile small { color: var(--accent-2); font-weight: 800; }
.section { padding: 76px 0; }
.section.compact { padding: 52px 0; }
.section-head { max-width: 760px; margin-bottom: 36px; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.eyebrow { color: var(--accent); font-weight: 900; text-transform: uppercase; letter-spacing: .13em; font-size: .75rem; }
h2 { font-size: clamp(1.8rem, 3.3vw, 3rem); line-height: 1.08; letter-spacing: -.04em; margin: 10px 0 14px; }
h3 { line-height: 1.2; margin: 0 0 9px; font-size: 1.18rem; }
p { margin: 0 0 16px; color: var(--muted); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.pairs-section { background: #edf5f3; }
.pair-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 12px; }
.pair-grid span { display: flex; align-items: center; justify-content: center; min-height: 52px; padding: 10px 12px; border-radius: 16px; background: var(--paper); border: 1px solid var(--line); color: var(--ink-2); font-weight: 900; letter-spacing: .02em; box-shadow: 0 8px 22px rgba(17,35,47,.04); }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: 0 8px 28px rgba(17,35,47,.05); }
.card.highlight { background: var(--ink); color: white; border-color: transparent; }
.card.highlight p, .card.highlight li { color: #d2e0e3; }
.card .num { color: var(--accent); font-weight: 950; font-size: .78rem; text-transform: uppercase; letter-spacing: .13em; }
.image-card { overflow: hidden; border-radius: 28px; border: 1px solid var(--line); box-shadow: var(--shadow); background: white; }
.image-card img { width: 100%; height: 100%; min-height: 340px; object-fit: cover; }
.check-list, .plain-list { display: grid; gap: 10px; padding: 0; margin: 18px 0 0; list-style: none; }
.check-list li { position: relative; padding-left: 30px; color: #476270; }
.check-list li::before { content: ""; position: absolute; left: 0; top: .28em; width: 18px; height: 18px; border-radius: 50%; background: var(--mint); border: 5px solid var(--accent); }
.plain-list li { color: #476270; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.band { background: var(--ink); color: white; border-radius: 36px; padding: 42px; display: grid; grid-template-columns: 1.2fr .8fr; gap: 24px; align-items: center; }
.band p { color: #d6e4e7; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 22px; background: white; }
table { width: 100%; border-collapse: collapse; min-width: 720px; }
th, td { text-align: left; padding: 18px; border-bottom: 1px solid var(--line); }
th { background: #eff7f5; color: var(--ink); font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; }
tr:last-child td { border-bottom: 0; }
.page-hero { padding: 70px 0 46px; background: linear-gradient(135deg, #102531, #0d6658); color: white; }
.page-hero p { color: #d6e4e7; max-width: 760px; }
.legal-layout { display: grid; grid-template-columns: 280px 1fr; gap: 32px; align-items: start; }
.toc { position: sticky; top: 96px; background: white; border: 1px solid var(--line); border-radius: 22px; padding: 18px; }
.toc a { display: block; padding: 9px 10px; color: #496270; border-radius: 10px; font-weight: 700; font-size: .92rem; }
.toc a:hover { background: var(--mint); color: var(--accent-2); }
.legal-article { background: white; border: 1px solid var(--line); border-radius: 28px; padding: 34px; }
.legal-article section { padding: 24px 0; border-bottom: 1px solid var(--line); }
.legal-article section:last-child { border-bottom: 0; }
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 28px; align-items: start; }
.info-box { background: white; border: 1px solid var(--line); border-radius: 26px; padding: 26px; }
.contact-item { padding: 16px 0; border-bottom: 1px solid var(--line); }
.contact-item:last-child { border-bottom: 0; }
.contact-item strong { display: block; margin-bottom: 4px; }
form { display: grid; gap: 15px; }
label { font-weight: 800; color: #274a59; }
input, select, textarea { width: 100%; min-height: 48px; border: 1px solid #cbdadb; border-radius: 14px; padding: 12px 14px; font: inherit; background: #fff; color: var(--ink); }
textarea { min-height: 150px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .93rem; color: var(--muted); }
.consent input { width: 18px; min-height: 18px; margin-top: 4px; }
.form-error { display:none; color: #842f19; background:#fdebe4; border:1px solid #efc8ba; border-radius:14px; padding:12px 14px; }
.form-error.is-visible { display:block; }
.site-footer { background: #0b1b25; color: white; padding: 52px 0 24px; margin-top: auto; }
.footer-grid { display: grid; grid-template-columns: 1.1fr .7fr .7fr .9fr; gap: 28px; }
.site-footer p, .site-footer address { color: #b9c9cf; }
.site-footer h4 { margin: 0 0 14px; }
.footer-links { display: grid; gap: 8px; }
.footer-links a { color: #d6e4e7; }
.footer-links a:hover { color: #77e1c7; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 34px; padding-top: 18px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; color: #9eb0b6; font-size: .92rem; }
.notice { background: #fff8e8; border: 1px solid #efd7a1; color: #5f4311; border-radius: 18px; padding: 16px; }
.cookie-panel { position: fixed; right: 20px; bottom: 20px; width: min(390px, calc(100vw - 40px)); background: white; border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); padding: 20px; z-index: 70; display:none; }
.cookie-panel.is-open { display:block; }
.cookie-actions { display:flex; flex-wrap:wrap; gap:10px; margin-top:14px; }
.cookie-actions button { border:0; border-radius:999px; padding:10px 14px; font-weight:800; cursor:pointer; }
.cookie-actions .accept { background: var(--accent); color:white; }
.cookie-actions .reject { background:#eaf0f0; color:var(--ink); }
@media (max-width: 920px) {
  .nav-links, .nav-cta { display:none; }
  .nav-toggle { display:inline-flex; }
  .hero-grid, .grid-2, .band, .legal-layout, .contact-grid { grid-template-columns: 1fr; }
  .rate-grid, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .pair-grid { grid-template-columns: repeat(4, 1fr); }
  .grid-3, .footer-grid { grid-template-columns: 1fr 1fr; }
  .toc { position: static; }
}
@media (max-width: 620px) {
  .hero { padding-top: 58px; }
  .rate-grid, .grid-3, .grid-4, .footer-grid, .form-row { grid-template-columns: 1fr; }
  .pair-grid { grid-template-columns: repeat(2, 1fr); }
  .band, .legal-article { padding: 24px; border-radius: 24px; }
  h1, .page-title { font-size: 2.35rem; }
}