:root{--bg:#0e1320;--bg2:#171f33;--ink:#1a2030;--mut:#5b6478;--acc:#ff7a2f;--acc2:#ffb067;--line:#e3e6ec;--soft:#f5f6f8}
*{box-sizing:border-box}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:#b84a08}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header{background:var(--bg)}
header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px;flex-wrap:wrap}
.logo{font-weight:800;letter-spacing:.03em;color:#fff;text-decoration:none;font-size:1.2rem}
.logo b{color:var(--acc)}
nav a{color:#c9d0e0;text-decoration:none;margin-left:18px;font-size:.95rem}
nav a:hover{color:#fff}
nav a.lang{border:1px solid #3a4560;border-radius:6px;padding:2px 9px}
.hero{background:radial-gradient(900px 400px at 85% 0,#3a2410 0,transparent 60%),var(--bg);color:#fff;padding:84px 0 92px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:0 0 18px;max-width:18ch}
.hero p{font-size:1.15rem;color:#c9d0e0;max-width:56ch;margin:0 0 30px}
.btn{display:inline-block;background:var(--acc);color:#1a1006;font-weight:700;text-decoration:none;padding:12px 22px;border-radius:8px;margin:0 10px 10px 0}
.btn:hover{background:var(--acc2)}
.btn.ghost{background:transparent;color:#fff;border:1px solid #4a5675}
section{padding:60px 0}
section.soft{background:var(--soft)}
h2{font-size:1.7rem;margin:0 0 10px}
.lead{color:var(--mut);max-width:60ch;margin:0 0 28px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.card h3{margin:0 0 6px;font-size:1.1rem}
.card p{margin:0;color:var(--mut)}
.badge{display:inline-block;font-size:.75rem;font-weight:700;background:#fff0e5;color:#a8430a;border-radius:20px;padding:2px 10px;margin-bottom:10px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px 16px 62px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:16px;top:14px;width:32px;height:32px;border-radius:50%;background:var(--bg);color:var(--acc);font-weight:800;display:grid;place-items:center}
.steps b{display:block}
.note{background:#fff7f0;border-left:4px solid var(--acc);padding:12px 16px;border-radius:6px}
.legal{max-width:760px;padding:50px 20px}
.legal h1{margin-top:0}
.legal h2{font-size:1.2rem;margin-top:30px}
footer{background:var(--bg);color:#9aa4bd;padding:28px 0;font-size:.9rem}
footer .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
footer a{color:#c9d0e0;margin-left:16px}