:root{
  --bg:#fff;--ink:#0a1a3f;--mut:#56627e;--brand:#00baa6;--brand-d:#009484;--navy:#002263;--brand2:#ff7a59;--tint:#eef9f7;--line:#dcebe8;--dark:#002263;
  --r:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.3rem,5.5vw,3.9rem)}
h1 em{font-style:normal;color:var(--brand-d)}
h2{font-size:clamp(1.7rem,3.5vw,2.4rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.sub{color:var(--mut);font-size:1.1rem;max-width:620px}
.lead{font-size:1.2rem;color:var(--mut);max-width:520px}

.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.top__in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}
.logo{display:flex;align-items:center}
.logo img{display:block;height:46px;width:auto}
.nav{display:flex;gap:22px}
.nav a{color:var(--mut);text-decoration:none;font-size:.95rem}
.nav a:hover{color:var(--ink)}

.btn{display:inline-block;border:0;cursor:pointer;font:inherit;font-weight:600;background:var(--navy);color:#fff;padding:14px 24px;border-radius:999px;text-decoration:none;transition:transform .15s,box-shadow .15s;box-shadow:0 8px 20px -8px var(--navy)}
.btn:hover{transform:translateY(-2px)}
.btn--sm{padding:9px 18px;font-size:.92rem}
.btn--ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--line)}
.btn--wallet{background:var(--navy);box-shadow:none;width:100%;margin-top:14px}
.pill{display:inline-block;background:var(--tint);color:var(--brand-d);font-weight:600;font-size:.85rem;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}

.hero{background:radial-gradient(900px 400px at 85% 0,#d9f5f1,transparent),#fff;padding:64px 0 72px}
.hero__in{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero__visual{position:relative;display:flex;justify-content:center}
.phone{width:290px;background:#fff;border-radius:34px;padding:22px;box-shadow:0 30px 60px -20px rgba(0,34,99,.35),0 0 0 8px var(--ink)}
.card{background:linear-gradient(135deg,var(--navy),#0a4a8a);color:#fff;border-radius:var(--r);padding:18px}
.card__head{display:flex;flex-direction:column;margin-bottom:14px}
.card__head span{font-weight:700}
.card__head small{opacity:.8}
.stamps{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.stamps i{aspect-ratio:1;border-radius:50%;background:rgba(255,255,255,.2);display:grid;place-items:center;font-style:normal;font-size:1.1rem;transition:.25s}
.stamps i.on{background:var(--brand);transform:scale(1.05)}
.card__foot{margin-top:14px;font-size:.88rem;opacity:.9}
.bubble{position:absolute;background:#fff;border:1px solid var(--line);border-radius:14px;padding:8px 14px;font-size:.85rem;font-weight:600;box-shadow:0 10px 24px -10px rgba(0,0,0,.2);animation:float 5s ease-in-out infinite}
.b1{top:6%;right:-2%}.b2{top:48%;left:-6%;animation-delay:-1.5s}.b3{bottom:6%;right:-4%;animation-delay:-3s}
@keyframes float{50%{transform:translateY(-8px)}}

.strip{background:var(--dark);color:#fff}
.strip__in{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:26px 20px;text-align:center}
.strip b{display:block;font-size:1.5rem;color:#5ee7d6}
.strip span{font-size:.88rem;opacity:.75}

.sec{padding:84px 0}
.sec--tint{background:var(--tint)}
.sec--dark{background:var(--dark);color:#fff}
.sec--dark .sub{color:#b8c6e0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
.step,.tile{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.step p,.tile p{color:var(--mut);margin:0}
.num{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:14px}
.ico{font-size:1.8rem;display:block;margin-bottom:10px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.ticks{list-style:none;padding:0;margin:20px 0 0}
.ticks li{padding-left:30px;margin-bottom:10px;position:relative}
.ticks li::before{content:"✓";position:absolute;left:0;color:#fff;background:var(--brand);width:20px;height:20px;border-radius:50%;font-size:.75rem;display:grid;place-items:center;top:3px}

.panel{background:#fff;border-radius:var(--r);padding:24px;box-shadow:0 20px 40px -20px rgba(0,34,99,.3)}
.kpi{display:grid;grid-template-columns:1fr auto auto;gap:12px;align-items:baseline;padding:10px 0;border-bottom:1px solid var(--line)}
.kpi span{color:var(--mut);font-size:.92rem}
.kpi b{font-size:1.3rem}
.up{font-style:normal;color:var(--brand-d);font-size:.85rem;font-weight:600}
.bars{display:flex;align-items:flex-end;gap:10px;height:110px;margin:20px 0 8px}
.bars i{flex:1;height:var(--h);background:linear-gradient(var(--brand),#5ee7d6);border-radius:6px 6px 0 0}
.note{color:var(--mut)}

.chips{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.chips a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:12px 20px;color:var(--ink);text-decoration:none;font-weight:600;transition:.15s}
.chips a:hover{border-color:var(--brand);color:var(--brand-d);transform:translateY(-2px)}

details{border-bottom:1px solid var(--line);padding:18px 0}
summary{cursor:pointer;font-weight:600;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--brand);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"−"}
details p{color:var(--mut);margin:12px 0 0}

.form{display:grid;gap:14px}
.form label{display:grid;gap:6px;font-size:.9rem;color:#d3deef}
.form input,.form textarea{font:inherit;padding:12px 14px;border-radius:12px;border:1px solid #27458a;background:#0a2f78;color:#fff}
.form input:focus,.form textarea:focus{outline:2px solid var(--brand);border-color:transparent}
.form .invalid{border-color:var(--brand2)}
.formmsg{min-height:1.4em;margin:0;color:#9be5bf}
.formmsg.err{color:#ffb3a1}

.final{text-align:center;background:linear-gradient(135deg,var(--navy),#0a4a8a);color:#fff}
.final .sub{margin:0 auto 24px;color:#cfe3f5}
.final .btn{background:#fff;color:var(--navy);box-shadow:none}

.foot{padding:40px 0;border-top:1px solid var(--line)}
.foot__in{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:flex-start}
.foot p{color:var(--mut);margin:8px 0 0;font-size:.9rem}
.foot nav{display:flex;gap:20px}
.foot nav a{color:var(--mut);text-decoration:none}

@media(max-width:860px){
  .nav{display:none}
  .hero__in,.two{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .strip__in{grid-template-columns:repeat(2,1fr)}
  .sec{padding:60px 0}
  .b1{right:4%}.b2{left:0}.b3{right:2%}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}