:root{--navy: #0b2b5b;--navy-900: #071a3d;--navy-700: #12407f;--red: #d9232e;--red-700: #b51b25;--red-50: #fdecee;--yellow: #f5b500;--ink: #15202e;--muted: #556173;--line: #e2e7ef;--bg: #ffffff;--bg-alt: #f4f6fa;--radius: 16px;--radius-sm: 10px;--radius-lg: 22px;--shadow: 0 1px 2px rgba(11,43,91,.05),0 8px 24px rgba(11,43,91,.08);--shadow-lg: 0 24px 60px rgba(7,26,61,.28);--font: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--wrap: 1200px;--space: 80px;--header-h: 76px}*,*::before,*::after{box-sizing: border-box}html{scroll-behavior: smooth;-webkit-text-size-adjust: 100%;scroll-padding-top: calc(var(--header-h) + 16px)}body{margin: 0;font-family: var(--font);color: var(--ink);background: var(--bg);line-height: 1.65;font-size: 17px;-webkit-font-smoothing: antialiased}img{max-width: 100%;height: auto;display: block}picture{display: contents}a{color: var(--navy-700);text-underline-offset: 3px}a:hover{color: var(--red)}h1,h2,h3,.h3{line-height: 1.15;margin: 0 0 .6em;color: var(--navy);letter-spacing: -.02em;text-wrap: balance}h1{font-size: clamp(2.1rem,4.4vw,3.4rem);font-weight: 800}h2{font-size: clamp(1.6rem,2.9vw,2.3rem);font-weight: 800}h3,.h3{font-size: 1.2rem;font-weight: 700;letter-spacing: -.01em}p{margin: 0 0 1em;text-wrap: pretty}.wrap{max-width: var(--wrap);margin: 0 auto;padding: 0 24px}.narrow{max-width: 860px}.center{text-align: center}.small{font-size: .875rem;color: var(--muted)}.mt{margin-top: 48px}.skip{position: absolute;left: -999px;top: 0;background: var(--navy);color: #fff;padding: 10px 16px;z-index: 100}.skip:focus{left: 10px}:focus-visible{outline: 3px solid var(--yellow);outline-offset: 2px;border-radius: 4px}.ico{width: 20px;height: 20px;flex: none}.ico-lg{width: 36px;height: 36px;color: var(--red)}.draftbar{background: var(--yellow);color: #111;text-align: center;font-size: .8rem;font-weight: 700;padding: 4px 10px}.todo{display: inline-block;background: #fff3c4;border: 1px dashed #c99700;color: #6b5200;font-size: .75rem;font-weight: 600;padding: 1px 8px;border-radius: 6px;margin: 2px 0;vertical-align: middle;line-height: 1.5}.topbar{background: var(--navy-900);color: #cfd8e6;font-size: .85rem}.topbar .wrap{display: flex;gap: 24px;justify-content: flex-end;align-items: center;min-height: 38px}.topbar span,.topbar a{display: inline-flex;gap: 6px;align-items: center}.topbar .ico{width: 15px;height: 15px}.topbar a{color: #fff;font-weight: 700;text-decoration: none;white-space: nowrap}.topbar span:first-child{margin-right: auto}.header{position: sticky;top: 0;z-index: 50;background: rgba(255,255,255,.96);backdrop-filter: saturate(1.4) blur(10px);border-bottom: 1px solid var(--line)}.header-in{display: flex;align-items: center;gap: 20px;min-height: var(--header-h)}.logo img{height: 46px;width: auto}.nav{margin-left: auto}.nav > ul{list-style: none;display: flex;gap: 2px;margin: 0;padding: 0;align-items: center}.nav-link{display: inline-flex;align-items: center;gap: 4px;background: none;border: 0;font: inherit;font-size: .95rem;font-weight: 600;color: var(--ink);padding: 10px 12px;border-radius: var(--radius-sm);cursor: pointer;text-decoration: none;transition: background .15s,color .15s}.nav-link:hover{color: var(--red);background: var(--bg-alt)}.nav-link.is-active{color: var(--red)}.chev{width: 16px;height: 16px;transition: transform .2s}.has-sub{position: relative}.sub{list-style: none;margin: 0;padding: 10px;position: absolute;top: calc(100% + 10px);left: 50%;transform: translateX(-50%);width: 440px;background: #fff;border: 1px solid var(--line);border-radius: var(--radius);box-shadow: var(--shadow-lg);display: none}.has-sub.open > .sub{display: block}.has-sub.open .chev{transform: rotate(180deg)}.sub a{display: flex;gap: 12px;padding: 10px 12px;border-radius: var(--radius-sm);text-decoration: none;color: var(--ink)}.sub a:hover{background: var(--bg-alt)}.sub .ico{color: var(--red);margin-top: 3px}.sub b{display: block;font-size: .95rem}.sub small{display: block;color: var(--muted);font-size: .8rem;line-height: 1.35}.nav-cta{display: none}.burger{display: none;background: none;border: 0;width: 44px;height: 44px;padding: 10px;cursor: pointer;margin-left: auto}.burger span{display: block;height: 2px;background: var(--navy);margin: 6px 0;transition: .2s}.is-lp .header-in{justify-content: space-between}.btn{display: inline-flex;align-items: center;justify-content: center;gap: 8px;font: inherit;font-weight: 700;font-size: 1rem;line-height: 1.2;padding: 14px 22px;min-height: 48px;border-radius: 12px;border: 2px solid transparent;cursor: pointer;text-decoration: none;transition: background .15s,color .15s,transform .15s,box-shadow .15s;white-space: nowrap}.btn .ico{width: 18px;height: 18px}.btn-primary{background: var(--red);color: #fff;box-shadow: 0 6px 16px rgba(217,35,46,.28)}.btn-primary:hover{background: var(--red-700);color: #fff;transform: translateY(-1px);box-shadow: 0 10px 22px rgba(217,35,46,.34)}.btn-ghost{border-color: var(--navy);color: var(--navy);background: transparent}.btn-ghost:hover{background: var(--navy);color: #fff}.btn-light{background: #fff;color: var(--navy)}.btn-light:hover{background: #e9eef6;color: var(--navy)}.btn-ghost-light{border-color: rgba(255,255,255,.6);color: #fff}.btn-ghost-light:hover{background: rgba(255,255,255,.14);color: #fff}.btn-block{width: 100%}.btn-sm{padding: 8px 14px;min-height: 40px;font-size: .9rem}.btn-xl{font-size: 1.1rem;padding: 16px 26px}.hero,.page-hero,.academy,.cta-band{color: #fff;background: radial-gradient(1200px 500px at 85% -10%,rgba(217,35,46,.35),transparent 60%),url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='48' height='48'%3E%3Cpath d='M22 18h4v4h4v4h-4v4h-4v-4h-4v-4h4z' fill='%23ffffff' fill-opacity='.04'/%3E%3C/svg%3E"),linear-gradient(135deg,var(--navy-900),var(--navy) 60%,var(--navy-700))}.hero h1,.page-hero h1,.academy h2,.cta-band h2{color: #fff}.hero a:not(.btn),.page-hero a:not(.btn){color: #fff}.hero .card a:not(.btn),.page-hero .card a:not(.btn){color: var(--navy-700)}.hero{padding: 72px 0 80px}.hero-in{display: grid;grid-template-columns: 1.15fr .85fr;gap: 56px;align-items: center}.hl{color: #ff7a82}.lead{font-size: 1.15rem;color: inherit;opacity: .94;max-width: 640px}.eyebrow{text-transform: uppercase;letter-spacing: .12em;font-size: .78rem;font-weight: 800;color: var(--red-700);margin-bottom: .8em}.eyebrow.light{color: #ffc2c6}.hero-actions{display: flex;flex-wrap: wrap;gap: 12px;margin-top: 26px}.page-hero{padding: 44px 0 64px}.page-hero.slim{padding: 36px 0 44px}.page-hero-in{display: grid;grid-template-columns: 1.2fr .8fr;gap: 56px;align-items: start}.price-line{margin-top: 18px;font-size: 1.05rem}.has-photo{position: relative;overflow: hidden;isolation: isolate}.hero-bg{position: absolute;inset: 0;width: 100%;height: 100%;object-fit: cover;z-index: -2}.has-photo::before{content: "";position: absolute;inset: 0;z-index: -1;background: linear-gradient(100deg,rgba(7,26,61,.95) 0%,rgba(11,43,91,.88) 45%,rgba(11,43,91,.6) 100%)}.facts{display: grid;grid-template-columns: repeat(2,minmax(0,1fr));gap: 10px;margin: 22px 0 0;max-width: 560px}.facts div{background: rgba(255,255,255,.09);border: 1px solid rgba(255,255,255,.2);border-radius: 12px;padding: 10px 14px}.facts dt{font-size: .72rem;text-transform: uppercase;letter-spacing: .08em;opacity: .8}.facts dd{margin: 0;font-weight: 700}.crumbs ol{list-style: none;display: flex;flex-wrap: wrap;gap: 6px;padding: 0;margin: 0 0 18px;font-size: .85rem;opacity: .9}.crumbs li + li::before{content: "›";margin-right: 6px}.crumbs a{color: #fff}.checks{list-style: none;padding: 0;margin: 18px 0 0;display: grid;gap: 10px}.checks li{display: flex;gap: 10px;align-items: flex-start}.checks .ico{color: var(--red);margin-top: 4px}.checks.light .ico{color: #ff7a82}.checks.numbered li{background: #fff;border: 1px solid var(--line);border-radius: 12px;padding: 12px 16px}.card{background: #fff;border: 1px solid var(--line);border-radius: var(--radius);padding: 26px;box-shadow: var(--shadow);color: var(--ink)}.form{display: grid;gap: 14px}.hero .form,.page-hero .form{box-shadow: var(--shadow-lg);border: 0;border-radius: var(--radius-lg);padding: 28px}.form-head h2{margin-bottom: .2em}.form-head p{margin: 0;color: var(--muted);font-size: .9rem}.grid-2{display: grid;grid-template-columns: repeat(2,minmax(0,1fr));gap: 12px 14px}.span-2{grid-column: span 2}.field{display: grid;gap: 5px;font-size: .85rem;font-weight: 600;color: var(--navy)}.field input,.field select,.field textarea{font: inherit;font-size: 1rem;font-weight: 400;color: var(--ink);width: 100%;padding: 11px 12px;border: 1.5px solid #c3ccda;border-radius: var(--radius-sm);background: #fff;min-height: 48px;transition: border-color .15s,box-shadow .15s}.field input:focus,.field select:focus,.field textarea:focus{border-color: var(--navy-700);outline: none;box-shadow: 0 0 0 4px rgba(18,64,127,.14)}.field.invalid input,.field.invalid select{border-color: var(--red)}.check.invalid span{color: var(--red-700)}.check{display: flex;gap: 10px;font-size: .85rem;color: var(--muted);align-items: flex-start}.check input{width: 18px;height: 18px;margin-top: 2px;flex: none;accent-color: var(--red)}.radios{border: 0;padding: 0;margin: 0;display: flex;flex-wrap: wrap;gap: 8px 18px}.radios legend{padding: 0;margin-bottom: 6px}.radios label{display: flex;gap: 6px;align-items: center;font-weight: 400;color: var(--ink);font-size: .95rem}.hp{position: absolute;left: -5000px}.hint{font-weight: 400;color: var(--muted);font-size: .8rem}.form-alt{text-align: center;font-size: .85rem;color: var(--muted);margin: 0}.form-note{font-size: .82rem;color: var(--muted);margin: 0}.form-msg:empty{display: none}.form-msg{padding: 12px 14px;border-radius: var(--radius-sm);font-size: .95rem}.form-msg.ok{background: #e7f6ec;color: #145c2c}.form-msg.err{background: #fdeaea;color: #8c1820}.form.sent > :not(.form-msg):not(.form-head){display: none}.section{padding: var(--space) 0}.section.alt{background: var(--bg-alt)}.section-head{max-width: 780px;margin-bottom: 40px}.section-head p:last-child{color: var(--muted);font-size: 1.08rem;margin-bottom: 0}.grid-3{display: grid;grid-template-columns: repeat(3,minmax(0,1fr));gap: 24px}.grid-4{display: grid;grid-template-columns: repeat(4,minmax(0,1fr));gap: 22px}.split{display: grid;grid-template-columns: 1fr 1fr;gap: 56px;align-items: center}.svc{text-decoration: none;display: flex;flex-direction: column;gap: 6px;transition: transform .2s,box-shadow .2s,border-color .2s}.svc:hover{transform: translateY(-4px);border-color: #c9d2e0;box-shadow: 0 2px 4px rgba(11,43,91,.06),0 18px 40px rgba(11,43,91,.14);color: var(--ink)}.svc h3{margin-bottom: .3em}.svc p{color: var(--muted);font-size: .95rem;flex: 1}.svc .more{color: var(--red-700);font-weight: 700;font-size: .9rem}.svc .price{color: var(--navy);flex: 0;margin: 0}.svc.has-img{padding-top: 0;overflow: hidden}.svc-img{width: calc(100% + 52px);max-width: none;margin: 0 -26px 6px;aspect-ratio: 16/10;object-fit: cover;transition: transform .4s}.svc.has-img:hover .svc-img{transform: scale(1.04)}.svc.has-img > .ico-lg{margin-top: -32px;position: relative;background: #fff;box-shadow: var(--shadow)}.svc.is-accent{background: linear-gradient(150deg,var(--navy-900),var(--navy));color: #fff;border-color: var(--navy)}.svc.is-accent h3,.svc.is-accent p{color: #fff}.svc.is-accent .more{color: #ffc2c6}.svc > .ico-lg,.benefit > .ico-lg,.std > .ico-lg,.note > .ico-lg{width: 52px;height: 52px;padding: 12px;border-radius: 14px;background: var(--red-50);color: var(--red);flex: none}.svc.is-accent > .ico-lg{background: rgba(255,255,255,.12);color: #ff9aa0}.benefit{background: #fff;border: 1px solid var(--line);border-radius: var(--radius);padding: 26px}.benefit h3{margin-top: 16px}.benefit p{color: var(--muted);margin: 0}.std{position: relative}.std-no{position: absolute;top: 16px;right: 20px;font-size: 2.6rem;font-weight: 800;color: #e8ecf3;line-height: 1}.std h3{margin-top: 16px}.std p{color: var(--muted);margin: 0}.link-list{list-style: none;margin: 0;padding: 0;display: grid;gap: 10px}.link-list a{display: flex;gap: 14px;align-items: center;background: #fff;border: 1px solid var(--line);padding: 14px 16px;border-radius: 14px;text-decoration: none;color: var(--ink);transition: border-color .15s,transform .15s}.link-list a:hover{border-color: var(--red);transform: translateX(3px)}.link-list .ico{color: var(--red);width: 26px;height: 26px}.link-list b{display: block}.link-list small{color: var(--muted)}.trust{background: #fff;border-bottom: 1px solid var(--line)}.trust-in{display: grid;grid-template-columns: repeat(4,1fr);gap: 16px;padding-top: 20px;padding-bottom: 20px}.trust-in > div{display: flex;gap: 12px;align-items: center;font-size: .9rem;color: var(--muted);line-height: 1.35}.trust-in b{display: block;color: var(--navy)}.trust-in .ico{color: var(--red);width: 28px;height: 28px}.kf{background: var(--bg-alt);padding: 44px 0}.kf-card{display: grid;grid-template-columns: minmax(0,1fr) minmax(0,1.35fr);border-radius: var(--radius-lg);overflow: hidden;background: #fff;border: 1px solid var(--line);box-shadow: var(--shadow)}.kf-main{background: linear-gradient(150deg,var(--navy-900),var(--navy) 70%,var(--navy-700));color: #fff;padding: 34px 36px;display: flex;flex-direction: column}.kf-main .eyebrow{color: #ffc2c6}.kf-main h2{color: #fff;font-size: 1.55rem;margin-bottom: .5em}.kf-main p{opacity: .93;margin-bottom: 0}.kf-main .kf-date{margin-top: auto;padding-top: 18px;font-size: .8rem;opacity: .7}.kf-list{margin: 0;padding: 32px 36px;display: grid;grid-template-columns: repeat(2,minmax(0,1fr));gap: 24px 32px;align-content: center}.kf-list > div{display: flex;gap: 14px;align-items: flex-start}.kf-list .ico{width: 44px;height: 44px;padding: 11px;border-radius: 12px;background: var(--red-50);color: var(--red)}.kf-list dt{font-size: .72rem;text-transform: uppercase;letter-spacing: .09em;color: var(--muted);font-weight: 700}.kf-list dd{margin: 2px 0 0;font-weight: 700;color: var(--navy);line-height: 1.35;overflow-wrap: anywhere}.stats-band{background: var(--navy);color: #fff;padding: 56px 0}.stats{display: grid;grid-template-columns: repeat(4,1fr);gap: 20px;text-align: center}.stats b{display: block;font-size: clamp(2rem,4vw,2.9rem);font-weight: 800;letter-spacing: -.02em}.stats span{opacity: .85}.steps{list-style: none;counter-reset: s;padding: 0;margin: 0;display: grid;grid-template-columns: repeat(4,1fr);gap: 22px}.steps li{counter-increment: s;background: #fff;border-radius: var(--radius);padding: 26px;border: 1px solid var(--line);position: relative}.steps li::before{content: counter(s);display: grid;place-items: center;width: 44px;height: 44px;border-radius: 50%;background: var(--red);color: #fff;font-weight: 800;margin-bottom: 14px}.steps li:not(:last-child)::after{content: "";position: absolute;top: 48px;left: 82px;right: -24px;height: 2px;background: repeating-linear-gradient(90deg,#cfd6e2 0 6px,transparent 6px 12px)}.steps b{display: block;color: var(--navy);font-size: 1.1rem;margin-bottom: 4px}.steps span{color: var(--muted);font-size: .95rem}.tag{display: inline-block;background: var(--red-50);color: var(--red-700);font-size: .75rem;font-weight: 700;padding: 4px 11px;border-radius: 99px;margin-bottom: 10px}.ref{overflow: hidden}.ref p{color: var(--muted);margin: 0}.ref-photo{width: calc(100% + 52px);max-width: none;margin: -26px -26px 18px;aspect-ratio: 16/9;object-fit: cover}.refline{display: flex;gap: 8px;align-items: center;font-weight: 600;color: var(--navy)}.refline .ico{color: var(--yellow)}.logos{margin-top: 28px;text-align: center}.photo-strip{display: grid;grid-template-columns: repeat(4,1fr);gap: 12px;margin: 0 0 32px}.photo-strip img{width: 100%;aspect-ratio: 1;object-fit: cover;border-radius: 14px}.academy{padding: var(--space) 0}.course-mini{display: grid;gap: 10px}.course-mini a{display: flex;align-items: center;gap: 14px;background: rgba(255,255,255,.09);border: 1px solid rgba(255,255,255,.2);border-radius: 14px;padding: 14px 16px;color: #fff;text-decoration: none;transition: background .15s}.course-mini a:hover{background: rgba(255,255,255,.18)}.course-mini b{display: block}.course-mini small{opacity: .85}.course-mini .ico{width: 26px;height: 26px;color: #ff9aa0}.faq{display: grid;gap: 10px}.faq details{background: #fff;border: 1px solid var(--line);border-radius: 14px;padding: 0 20px;transition: border-color .15s,box-shadow .15s}.faq details[open]{border-color: #c9d2e0;box-shadow: var(--shadow)}.faq summary{cursor: pointer;font-weight: 700;color: var(--navy);padding: 18px 36px 18px 0;position: relative;list-style: none}.faq summary::-webkit-details-marker{display: none}.faq summary::after{content: "";position: absolute;right: 4px;top: 50%;width: 10px;height: 10px;border-right: 2px solid var(--red);border-bottom: 2px solid var(--red);transform: translateY(-70%) rotate(45deg);transition: transform .2s}.faq details[open] summary::after{transform: translateY(-30%) rotate(225deg)}.faq p{color: var(--muted);padding-bottom: 18px;margin: 0}.cta-band{padding: 64px 0}.cta-in{display: flex;justify-content: space-between;align-items: center;gap: 28px;flex-wrap: wrap}.cta-in > div:first-child{max-width: 640px}.cta-in h2{font-size: clamp(1.5rem,2.6vw,2rem)}.cta-in p{opacity: .92;margin: 0}.cta-actions{display: flex;gap: 12px;flex-wrap: wrap}.note{display: flex;gap: 16px;align-items: flex-start}.note p{margin: 0}.note-box{background: #f6f8fc;border-left: 5px solid var(--navy-700);margin: 20px 0;box-shadow: none}.contact-list{list-style: none;padding: 0;margin: 18px 0;display: grid;gap: 12px}.contact-list li{display: flex;gap: 10px;align-items: center}.contact-list .ico{color: var(--red)}.pills{list-style: none;padding: 0;margin: 0;display: flex;flex-wrap: wrap;gap: 10px}.pills li{background: #fff;border: 1px solid var(--line);border-radius: 99px;padding: 7px 15px;font-size: .9rem}.prose h2{margin-top: 1.5em}.prose h3{margin-top: 1.3em}.prose li{margin-bottom: .35em}.prose code{background: var(--bg-alt);padding: 2px 6px;border-radius: 6px;font-size: .9em}.article h2{margin-top: 1.6em}.checklist li{margin-bottom: 12px}.toc{background: var(--bg-alt);border-radius: 12px;padding: 14px 18px;font-size: .92rem}.legal-grid{gap: 24px}.table-wrap{overflow-x: auto;margin-bottom: 12px;border-radius: var(--radius);box-shadow: var(--shadow);border: 1px solid var(--line)}.price-table{width: 100%;border-collapse: collapse;background: #fff}.price-table th,.price-table td{padding: 15px 18px;text-align: left;border-bottom: 1px solid var(--line)}.price-table tr:last-child td{border-bottom: 0}.price-table tbody tr:nth-child(even){background: #fafbfd}.price-table th{background: var(--navy);color: #fff;font-size: .8rem;text-transform: uppercase;letter-spacing: .07em}.price-card{text-align: left;display: flex;flex-direction: column}.price-card .amount{font-size: 2rem;font-weight: 800;color: var(--navy);letter-spacing: -.02em;margin: 4px 0 2px}.price-card ul{flex: 1}.price-card.is-featured{border: 2px solid var(--red)}.calc{display: grid;grid-template-columns: 1.1fr .9fr;gap: 28px;align-items: start}.calc-tabs{display: flex;flex-wrap: wrap;gap: 10px;margin-top: 24px}.calc-panel[hidden],[data-panel-for][hidden]{display: none}.result{position: sticky;top: calc(var(--header-h) + 20px);border-top: 5px solid var(--red)}.score{display: flex;justify-content: space-between;align-items: baseline;border-bottom: 1px solid var(--line);padding-bottom: 12px}.score b{font-size: 2.6rem;color: var(--navy);letter-spacing: -.02em}.result-list{margin: 0 0 14px;display: grid}.result-list div{display: flex;justify-content: space-between;gap: 16px;padding: 10px 0;border-bottom: 1px dashed var(--line)}.result-list dt{color: var(--muted)}.result-list dd{margin: 0;font-weight: 700;text-align: right;color: var(--navy)}.formula{font-size: .8rem;color: var(--muted)}.helper{background: var(--bg-alt);border-radius: 12px;padding: 12px 16px}.helper summary{cursor: pointer;font-size: .9rem;font-weight: 600;color: var(--navy-700)}.helper .grid-2{margin: 12px 0}.risks{border: 1px solid var(--line);border-radius: 14px;padding: 14px 18px;margin: 0;display: grid;gap: 8px}.risks legend{font-weight: 700;color: var(--navy);font-size: .9rem;padding: 0 6px}.risk{display: grid;grid-template-columns: 1fr 190px;gap: 12px;align-items: center;font-size: .95rem}.risk select{font: inherit;padding: 8px 10px;border: 1.5px solid #c3ccda;border-radius: var(--radius-sm);min-height: 44px;background: #fff}.verdict{background: #eef3fb;border-left: 4px solid var(--navy-700);padding: 10px 12px;border-radius: 8px;font-size: .9rem;margin: 12px 0}.verdict:empty{display: none}.wiz-steps{list-style: none;display: grid;grid-template-columns: repeat(4,1fr);gap: 6px;padding: 0;margin: 0 0 8px;counter-reset: w}.wiz-steps li{counter-increment: w;font-size: .8rem;font-weight: 700;color: var(--muted);border-top: 4px solid var(--line);padding-top: 8px}.wiz-steps li::before{content: counter(w) ". "}.wiz-steps li.is-active,.wiz-steps li.is-done{color: var(--navy);border-color: var(--red)}.wiz-step{border: 0;padding: 0;margin: 0;display: grid;gap: 12px;min-width: 0}.wiz-step legend{margin-bottom: 10px}.wiz-nav{display: flex;gap: 12px;justify-content: space-between}.js .wizard .wiz-step:not(.is-current){display: none}.js .wizard.at-start [data-wiz="prev"]{visibility: hidden}.js .wizard:not(.at-end) [type="submit"]{display: none}.js .wizard.at-end [data-wiz="next"]{display: none}html:not(.js) .wiz-nav [data-wiz]{display: none}.footer{background: var(--navy-900);color: #b9c4d6;padding: 72px 0 28px;font-size: .92rem}.footer-grid{display: grid;grid-template-columns: 1.4fr 1fr 1fr 1fr;gap: 40px}.footer h3{color: #fff;font-size: 1rem;letter-spacing: 0}.footer ul{list-style: none;padding: 0;margin: 0;display: grid;gap: 9px}.footer a{color: #dfe6f1;text-decoration: none}.footer a:hover{color: #fff;text-decoration: underline}.footer img{height: 40px;width: auto;margin-bottom: 16px}.social{display: flex;gap: 10px}.social a{display: grid;place-items: center;width: 44px;height: 44px;border-radius: 50%;background: rgba(255,255,255,.09);transition: background .15s}.social a:hover{background: var(--red)}.social svg{width: 20px;height: 20px}.footer-regions{border-top: 1px solid rgba(255,255,255,.12);margin-top: 44px;padding-top: 22px}.footer-bottom{display: flex;justify-content: space-between;flex-wrap: wrap;gap: 12px;margin-top: 16px;font-size: .85rem}.legal-links b{color: #fff}.mobilebar{display: none}@media (max-width: 1100px){.grid-4{grid-template-columns: repeat(2,minmax(0,1fr))}.burger{display: block}.hide-md{display: none}.nav{position: fixed;inset: 114px 0 0 0;background: #fff;overflow-y: auto;padding: 16px 20px 120px;display: none;margin: 0}.nav.open{display: block}.nav > ul{flex-direction: column;align-items: stretch}.nav-link{width: 100%;justify-content: space-between;font-size: 1.05rem;padding: 14px 10px}.sub{position: static;transform: none;width: auto;box-shadow: none;border: 0;padding: 0 0 8px 6px}.nav-cta{display: block;margin-top: 16px}.nav-cta .btn{width: 100%}.footer-grid{grid-template-columns: 1fr 1fr}.steps li::after{display: none}}@media (max-width: 900px){:root{--space: 64px}.hero-in,.page-hero-in,.split,.calc,.kf-card{grid-template-columns: 1fr;gap: 32px}.kf-card{gap: 0}.grid-3,.steps,.trust-in,.stats{grid-template-columns: repeat(2,minmax(0,1fr))}.result{position: static}.hide-sm{display: none !important}}@media (max-width: 640px){:root{--space: 52px;--header-h: 64px}body{font-size: 16px;padding-bottom: 72px}.wrap{padding: 0 16px}.hero{padding: 40px 0 48px}.page-hero{padding: 32px 0 44px}.grid-2,.grid-3,.grid-4,.steps,.footer-grid,.kf-list{grid-template-columns: 1fr}.span-2{grid-column: auto}.kf{padding: 28px 0}.kf-main,.kf-list{padding: 24px 22px}.kf-list{gap: 18px}.trust-in{grid-template-columns: 1fr 1fr;font-size: .8rem}.stats{grid-template-columns: 1fr 1fr}.topbar span:first-child{font-size: .78rem}.topbar .todo{display: none}.logo img{height: 38px}.nav{inset: 102px 0 0 0}.card,.benefit,.steps li{padding: 22px}.hero .form,.page-hero .form{padding: 22px}.btn{white-space: normal}.hero-actions .btn,.cta-actions .btn{flex: 1 1 100%}.svc-img,.ref-photo{width: calc(100% + 44px);margin-left: -22px;margin-right: -22px}.ref-photo{margin-top: -22px}.photo-strip{grid-template-columns: repeat(2,1fr)}.risk{grid-template-columns: 1fr;gap: 4px}.wiz-steps li{font-size: 0}.wiz-steps li::before{font-size: .85rem}.mobilebar{display: grid;grid-template-columns: 1fr 1fr 1.3fr;position: fixed;left: 0;right: 0;bottom: 0;z-index: 60;background: #fff;border-top: 1px solid var(--line);box-shadow: 0 -6px 20px rgba(0,0,0,.08);padding: 8px 10px calc(8px + env(safe-area-inset-bottom));gap: 8px}.mobilebar a{display: flex;flex-direction: column;align-items: center;justify-content: center;gap: 2px;min-height: 48px;font-size: .75rem;font-weight: 700;text-decoration: none;color: var(--navy);padding: 6px;border-radius: 12px}.mobilebar a.is-primary{background: var(--red);color: #fff;flex-direction: row;font-size: .95rem;gap: 8px}}@media (prefers-reduced-motion: reduce){*,*::before,*::after{transition: none !important;scroll-behavior: auto !important}}@media print{.header,.topbar,.footer,.mobilebar,.cta-band,.draftbar,.hero-bg{display: none !important}.page-hero{background: none !important;color: #000}.page-hero h1,.page-hero .lead{color: #000}.has-photo::before{display: none}}.mt-s{margin-top: 16px}.split > ul.checks,.split > ol.checks:not(.numbered){background: #fff;border: 1px solid var(--line);border-radius: var(--radius);padding: 28px;box-shadow: var(--shadow);margin: 0}.price-card h3{min-height: 2.4em}.price-card .checks{margin: 6px 0 0;font-size: .92rem;gap: 6px}.price-card p{flex: 0}[hidden]{display: none !important}.radios input{width: 18px;height: 18px;min-height: 0;padding: 0;accent-color: var(--red)}.radios label{min-height: 32px}.kf-list > div{display: block;position: relative;padding-left: 60px;min-height: 44px}.kf-list dt .ico{position: absolute;left: 0;top: 0}.kf-list dd a{display: inline-block;padding: 5px 0}h1,h2,h3,.h3{overflow-wrap: break-word;hyphens: auto}@media (max-width: 640px){h1{font-size: clamp(1.7rem,7.4vw,2.1rem)}.hero-in > *,.page-hero-in > *{min-width: 0}}.footer h2{color: #fff;font-size: 1rem;letter-spacing: 0;margin-bottom: .8em}.photo-strip{margin-top: 28px}.termine{display: grid;gap: 14px}.hero .termine,.page-hero .termine{box-shadow: var(--shadow-lg);border: 0;border-radius: var(--radius-lg);padding: 28px}.termin-list{list-style: none;margin: 0;padding: 0;display: grid;gap: 8px}.termin-list li{display: grid;grid-template-columns: minmax(0,1.1fr) minmax(0,1fr) auto;gap: 12px;align-items: center;padding: 10px 12px;border: 1px solid var(--line);border-radius: 12px;font-size: .9rem}.termin-list .t-date b{display: block;color: var(--navy)}.termin-list .t-place{color: var(--muted);line-height: 1.35}.termin-list .is-full{background: var(--bg-alt)}.termin-list .t-full{font-size: .8rem;font-weight: 700;color: var(--muted);padding: 0 6px}.places{list-style: none;margin: 12px 0 0;padding: 0;display: grid;gap: 14px}.places li{display: flex;gap: 12px;align-items: flex-start}.places .ico{color: var(--red);margin-top: 4px}.places small{color: var(--muted)}@media (max-width: 640px){.termin-list li{grid-template-columns: 1fr auto}.termin-list .t-place{grid-column: 1;grid-row: 2}.termin-list li > :last-child{grid-row: 1 / span 2;grid-column: 2}.hero .termine,.page-hero .termine{padding: 22px}}.faq-nav{display: flex;flex-wrap: wrap;gap: 8px;margin-top: 20px}.page-hero .lead a{text-decoration: underline}.article .table-wrap{margin: 18px 0}.article .price-table th,.article .price-table td{padding: 12px 16px}.article > p:first-child{font-size: 1.1rem;background: var(--bg-alt);border-left: 5px solid var(--red);padding: 16px 20px;border-radius: 0 12px 12px 0}.opt{font-weight: 400;color: var(--muted)}.assure{list-style: none;margin: 0;padding: 0;display: flex;flex-wrap: wrap;justify-content: center;gap: 4px 16px;font-size: .82rem;color: var(--muted)}.assure li{display: inline-flex;align-items: center;gap: 5px}.assure .ico{width: 15px;height: 15px;color: #1a8a43}.form-msg .next{margin: 8px 0;padding-left: 20px}.wiz-steps{grid-template-columns: none;grid-auto-flow: column;grid-auto-columns: 1fr}.fab{position: fixed;right: 24px;bottom: 24px;z-index: 55;display: flex;align-items: center;gap: 12px;background: var(--red);color: #fff;text-decoration: none;padding: 14px 20px;border-radius: 16px;box-shadow: 0 12px 30px rgba(217,35,46,.4);transition: transform .15s,background .15s}.fab:hover{background: var(--red-700);color: #fff;transform: translateY(-2px)}.fab .ico{width: 24px;height: 24px}.fab b{display: block;line-height: 1.2}.fab small{opacity: .9;font-size: .78rem}@media (max-width: 640px){.fab{display: none !important}}.job p{flex: 0}.job .job-tags{display: flex;flex-wrap: wrap;gap: 6px;margin: 0}.job .job-tags .tag{margin: 0}.job .small{flex: 1}.job .ico-lg{margin-bottom: 8px}.topbar .top-link{font-weight: 600;color: #cfd8e6}.topbar .top-link:hover{color: #fff}.photo-strip + .photo-strip{margin-top: -20px}.hero .crumbs{margin-bottom: 14px}.mosaic{display: grid;grid-template-columns: repeat(4,minmax(0,1fr));grid-auto-rows: 210px;gap: 14px}.mosaic figure{position: relative;margin: 0;overflow: hidden;border-radius: var(--radius);background: var(--bg-alt)}.mosaic figure:first-child{grid-column: span 2;grid-row: span 2}.mosaic figure:nth-child(6){grid-column: span 2}.mosaic img{width: 100%;height: 100%;object-fit: cover;transition: transform .5s}.mosaic figure:hover img{transform: scale(1.05)}.mosaic figcaption{position: absolute;left: 0;right: 0;bottom: 0;padding: 36px 16px 12px;color: #fff;font-weight: 700;font-size: .92rem;background: linear-gradient(180deg,transparent,rgba(7,26,61,.85))}@media (max-width: 900px){.mosaic{grid-template-columns: repeat(2,minmax(0,1fr));grid-auto-rows: 170px}.mosaic figure:nth-child(6){grid-column: span 1}.mosaic figure:last-child{grid-column: span 2}}.mosaic figure:last-child{grid-column: span 2}@media (max-width: 900px){.mosaic figure:nth-child(6){grid-column: span 2}}.bill table{width: 100%;border-collapse: collapse;font-size: .95rem;margin-top: 8px}.bill td,.bill th{padding: 9px 0;border-bottom: 1px dashed var(--line);text-align: left;vertical-align: top}.bill td:last-child,.bill th:last-child{text-align: right;white-space: nowrap}.bill small{color: var(--muted)}.bill tfoot th{border-bottom: 0;padding-top: 14px;font-size: 1.15rem;color: var(--navy)}.bill tfoot td{border-bottom: 0;color: var(--muted);padding-top: 0}.price-line a{color: #fff}.price-table td strong,.price-table td:nth-child(n+3){white-space: nowrap}.center-pills{justify-content: center;margin-top: 28px}.price-table small{color: var(--muted)}.hero-chips{list-style: none;margin: 18px 0 0;padding: 0;display: flex;flex-wrap: wrap;gap: 8px 20px;font-size: .9rem;color: rgba(255,255,255,.9)}.hero-chips li{display: inline-flex;align-items: center;gap: 6px}.hero-chips .ico{width: 17px;height: 17px;color: #ff9aa0}.calc-form{display: grid;gap: 22px}.presets{display: flex;flex-wrap: wrap;align-items: center;gap: 8px;padding: 12px 14px;background: var(--bg-alt);border-radius: 14px;font-size: .85rem;color: var(--muted);font-weight: 600}.chips{display: flex;flex-wrap: wrap;gap: 8px}.chip{font: inherit;font-size: .85rem;font-weight: 600;color: var(--navy);background: #fff;border: 1.5px solid #c3ccda;border-radius: 99px;padding: 8px 14px;min-height: 40px;cursor: pointer;transition: border-color .15s,background .15s,color .15s}.chip:hover,.chip:focus-visible{border-color: var(--navy);background: var(--navy);color: #fff}.step{border: 0;padding: 0;margin: 0;display: grid;gap: 12px;min-width: 0}.step + .step{border-top: 1px solid var(--line);padding-top: 22px}.step legend{display: flex;align-items: center;gap: 10px;font-weight: 800;font-size: 1.08rem;color: var(--navy);padding: 0;margin-bottom: 12px}.step-no{display: inline-grid;place-items: center;width: 30px;height: 30px;border-radius: 50%;background: var(--navy);color: #fff;font-size: .9rem;flex: none}.step .hint{margin: 0}.field.range output{font-weight: 800;color: var(--red-700);font-size: 1rem}.field.range input[type=range]{padding: 0;border: 0;min-height: 32px;accent-color: var(--red);background: transparent;box-shadow: none}.field.range input[type=range]:disabled{opacity: .45}.seg-row{display: grid;grid-template-columns: 1fr auto;gap: 8px 14px;align-items: center;font-size: .93rem;color: var(--ink)}.seg{display: inline-flex;border: 1.5px solid #c3ccda;border-radius: 12px;overflow: hidden;background: #fff}.seg label{position: relative;cursor: pointer}.seg input{position: absolute;opacity: 0;inset: 0;width: 100%;height: 100%;margin: 0;cursor: pointer}.seg span{display: block;padding: 9px 12px;min-height: 40px;font-size: .82rem;font-weight: 600;color: var(--muted);white-space: nowrap;border-left: 1px solid var(--line)}.seg label:first-child span{border-left: 0}.seg input:checked + span{background: var(--navy);color: #fff}.seg input:focus-visible + span{outline: 3px solid rgba(18,64,127,.35);outline-offset: -3px}.gauge{display: grid;gap: 10px;margin-bottom: 14px}.gauge-num{margin: 0;display: flex;align-items: baseline;gap: 8px}.gauge-num b{font-size: 3rem;line-height: 1;font-weight: 800;color: var(--navy);letter-spacing: -.02em}.gauge-num span{color: var(--muted);font-weight: 600}.gauge-bar{position: relative;height: 10px;border-radius: 99px;background: var(--bg-alt);margin-bottom: 22px}.gauge-bar i{display: block;height: 100%;width: 0;border-radius: 99px;background: #1a8a43;transition: width .3s}.gauge-bar i.hi{background: var(--red)}.gauge-bar::after{content: "";position: absolute;left: 24%;top: -4px;width: 2px;height: 18px;background: var(--navy)}.gauge-bar em{position: absolute;left: 24%;top: 16px;font-style: normal;font-size: .72rem;color: var(--muted);padding-left: 6px;white-space: nowrap}.verdict{margin: 0 0 14px;padding: 12px 14px;border-radius: 12px;background: var(--bg-alt);font-size: .9rem;border-left: 4px solid var(--navy)}.verdict:empty{display: none}.tiles{display: grid;grid-template-columns: 1fr 1fr;gap: 10px;margin: 0 0 14px}.tiles div{background: var(--bg-alt);border-radius: 12px;padding: 12px 14px;display: flex;flex-direction: column-reverse;gap: 2px}.tiles dt{font-size: .78rem;color: var(--muted);font-weight: 600}.tiles dd{margin: 0;font-size: 1.35rem;font-weight: 800;color: var(--navy);line-height: 1.2;overflow-wrap: anywhere}#calc-result .tiles dd{font-size: 1.05rem}.tiles .tile-main{grid-column: 1 / -1;background: var(--navy)}.tiles .tile-main dt{color: rgba(255,255,255,.8)}.tiles .tile-main dd{color: #fff;font-size: 1.9rem}#calc-result .tiles .tile-main dd{font-size: 1.5rem}.flags{list-style: none;margin: 0 0 14px;padding: 0;font-size: .9rem}.flags li{display: flex;justify-content: space-between;gap: 14px;padding: 8px 0;border-bottom: 1px dashed var(--line);color: var(--muted)}.flags b{color: var(--navy);text-align: right}.result .helper{margin-bottom: 14px}.result .helper .formula{margin: 8px 0 0}.result-actions{display: flex;flex-wrap: wrap;gap: 8px;margin: 10px 0 12px}.result-actions .btn{flex: 1;justify-content: center}.result-actions .ico{width: 16px;height: 16px}.formula-box{background: var(--navy);color: #fff;font-weight: 700;text-align: center;padding: 16px 18px;border-radius: 14px}.source .tag{align-self: flex-start;background: var(--bg-alt);color: var(--navy-700)}.cb-dialog{border: 0;border-radius: var(--radius-lg);padding: 28px;width: min(440px,calc(100vw - 32px));box-shadow: var(--shadow-lg);color: var(--ink)}.cb-dialog::backdrop{background: rgba(7,26,61,.6)}.cb-form{display: grid;gap: 14px}.cb-form .btn .ico{width: 18px;height: 18px}.cb-close{position: absolute;top: 10px;right: 12px;width: 44px;height: 44px;border: 0;background: transparent;font-size: 1.8rem;line-height: 1;color: var(--muted);cursor: pointer;border-radius: 50%}.cb-close:hover{background: var(--bg-alt);color: var(--navy)}.cb-inline{max-width: 520px;margin: 40px auto 0;background: #fff;border: 1px solid var(--line);border-radius: var(--radius);padding: 26px;box-shadow: var(--shadow);scroll-margin-top: calc(var(--header-h) + 20px)}.cta-callback{color: #fff;font-weight: 600;font-size: .92rem;text-decoration: underline;text-underline-offset: 3px;flex-basis: 100%;padding: 6px 0}@media (max-width: 640px){.seg-row{grid-template-columns: 1fr}.seg{display: flex}.seg label{flex: 1;text-align: center}.seg span{padding: 9px 4px}.gauge-num b{font-size: 2.5rem}}@media print{.topbar,.header,.footer,.fab,.mobilebar,.cta-band,.calc-tabs,.presets,.chips,.result-actions,#calc-bf-cta,#calc-cta,.draft-banner{display: none !important}.calc{grid-template-columns: 1fr 1fr}.result{position: static}.page-hero{background: none !important;color: #000;padding: 0}.page-hero h1,.page-hero .lead{color: #000}}.seg-row.stack{grid-template-columns: 1fr}.seg-row.stack .seg{justify-self: start}.step + .step{border-top: 0;padding-top: 4px}.print-sheet{display: none;font-size: 10.5pt;line-height: 1.4;color: #111}.print-sheet *{box-sizing: border-box}.ps-head{display: flex;justify-content: space-between;align-items: flex-start;gap: 24px;padding-bottom: 12px;border-bottom: 3px solid var(--navy)}.ps-head img{width: 190px;height: auto}.ps-head address{font-style: normal;text-align: right;font-size: 8.5pt;color: #333;line-height: 1.45}.ps-head address b{color: var(--navy);font-size: 9.5pt}.ps-title{display: flex;justify-content: space-between;align-items: flex-end;gap: 24px;margin: 18px 0 14px}.ps-title h1{font-size: 19pt;margin: 0 0 3px;color: var(--navy);line-height: 1.15}.ps-title p{margin: 0;font-size: 9.5pt;color: #333}.ps-title dl{margin: 0;font-size: 8.5pt;border: 1px solid #9aa5b8;border-radius: 4px;flex: none}.ps-title dl div{display: flex;justify-content: space-between;gap: 14px;padding: 3px 9px}.ps-title dl div + div{border-top: 1px solid #c9d0dc}.ps-title dt{color: #555}.ps-title dd{margin: 0;font-weight: 700}.print-sheet section{margin-bottom: 13px;break-inside: avoid}.print-sheet h2{font-size: 10pt;text-transform: uppercase;letter-spacing: .06em;color: #fff;background: var(--navy);margin: 0 0 7px;padding: 4px 9px;-webkit-print-color-adjust: exact;print-color-adjust: exact}.print-sheet table{width: 100%;border-collapse: collapse}.print-sheet th,.print-sheet td{border: 1px solid #9aa5b8;padding: 4px 9px;text-align: left;vertical-align: top}.print-sheet th{width: 58%;font-weight: 400;background: #f1f4f8;-webkit-print-color-adjust: exact;print-color-adjust: exact}.print-sheet td{font-weight: 700}.ps-grid{display: grid;grid-template-columns: 1fr 1fr;gap: 8px 22px}.ps-blank span{display: block;font-size: 8pt;color: #555}.ps-blank i{display: block;height: 20px;border-bottom: 1px solid #555}.ps-result{display: grid;grid-template-columns: 120px 1fr;gap: 14px;align-items: stretch}.ps-points{border: 2px solid var(--navy);display: flex;flex-direction: column;align-items: center;justify-content: center;text-align: center;padding: 8px}.ps-points b{font-size: 34pt;line-height: 1;color: var(--navy)}.ps-points span{font-size: 8.5pt;color: #333;margin-top: 4px}.ps-note,.ps-formula{margin: 7px 0 0;font-size: 9pt}.ps-note{border-left: 3px solid var(--red);padding-left: 9px}.ps-lines i{display: block;height: 22px;border-bottom: 1px solid #9aa5b8}.ps-sign{display: grid;grid-template-columns: 1fr 1fr;gap: 40px;margin-top: 30px;font-size: 8pt;color: #555;break-inside: avoid}.ps-sign i{display: block;border-bottom: 1px solid #333;height: 26px;margin-bottom: 3px}.ps-foot{margin-top: 16px;padding-top: 7px;border-top: 1px solid #9aa5b8;font-size: 7.5pt;color: #555}.ps-foot p{margin: 0 0 2px}@page{size: A4;margin: 14mm 15mm}@media print{body:has(> .print-sheet) > *:not(.print-sheet){display: none !important}body:has(> .print-sheet){background: #fff;padding: 0;margin: 0}.print-sheet{display: block}}.print-sheet{font-size: 9.5pt;line-height: 1.32}.print-sheet th,.print-sheet td{padding: 2px 9px}.print-sheet section{margin-bottom: 9px}.print-sheet h2{padding: 3px 9px;margin-bottom: 5px;font-size: 9pt}.ps-title{margin: 12px 0 10px}.ps-title h1{font-size: 17pt}.ps-head{padding-bottom: 8px}.ps-head img{width: 170px}.ps-blank i{height: 16px}.ps-lines i{height: 19px}.ps-sign{margin-top: 18px}.ps-foot{margin-top: 10px}.ps-points b{font-size: 30pt}@page{size: A4;margin: 12mm 15mm}.std.is-key{border-color: var(--navy);box-shadow: 0 0 0 2px var(--navy),var(--shadow)}.price-table.compare td:last-child{font-weight: 700;color: var(--navy);width: 46%}.price-table.compare td:last-child{display: flex;gap: 10px;align-items: flex-start;width: auto}.price-table.compare td:first-child{width: 54%}.price-table.compare .ico{width: 20px;height: 20px;color: #1a8a43;flex: none;margin-top: 2px}@media (max-width: 640px){.price-table.compare thead{display: none}.price-table.compare tr{display: block;padding: 6px 0}.price-table.compare td{display: block;width: auto !important;border: 0;padding: 6px 16px}.price-table.compare td:last-child{display: flex}.mobilebar{grid-template-columns: 1fr 1fr 1.3fr}}.price-table.compare tr.group th{background: var(--navy);color: #fff;text-align: left;padding: 10px 18px;font-size: .85rem;letter-spacing: .04em;text-transform: uppercase}.price-table.compare tbody + tbody tr.group th{border-top: 0}@media (max-width: 640px){.price-table.compare tr.group{padding: 0}.price-table.compare tr.group th{display: block}}h1 .h1-kicker{display: block;line-height: 1.4;margin-bottom: 1em;font-weight: 800;hyphens: manual}.topbar a{min-height: 28px;padding: 2px 0}.helper summary{min-height: 28px;display: list-item;padding: 3px 0}.prose,.legal{overflow-wrap: anywhere}.legal-nav a,.toc a{display: inline-block;padding: 4px 2px;min-height: 28px}@media (max-width: 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