:root{--primary: #1a365d;--accent: #2c5282;--gold: #c9a227;--light: #f7fafc;--text: #2d3748;--muted: #718096;--danger: #e53e3e;--footer-bg: #1a202c}*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,sans-serif;line-height:1.7;color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}.container{max-width:1100px;margin:0 auto;padding:0 24px}.header{background:var(--primary);padding:16px 0;position:sticky;top:0;z-index:100}.header-inner{display:flex;justify-content:space-between;align-items:center}.logo{color:#fff;font-size:1.4rem;font-weight:700;text-decoration:none;display:flex;align-items:center;gap:10px}.logo-icon{color:var(--gold);font-size:1.1rem}.nav{display:flex;gap:32px}.nav a{color:#ffffffd9;text-decoration:none;font-size:.95rem;transition:color .2s}.nav a:hover{color:#fff}.nav-toggle{display:none;background:none;border:none;color:#fff;font-size:1.5rem;cursor:pointer;padding:4px}.hero{background:linear-gradient(135deg,var(--primary) 0%,var(--accent) 100%);color:#fff;padding:100px 0;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 15% 25%,rgba(255,255,255,.06) 1px,transparent 1px),radial-gradient(circle at 85% 70%,rgba(255,255,255,.06) 1px,transparent 1px),radial-gradient(circle at 45% 80%,rgba(255,255,255,.04) 1.5px,transparent 1.5px),radial-gradient(circle at 70% 15%,rgba(255,255,255,.04) 1.5px,transparent 1.5px),radial-gradient(circle at 90% 40%,rgba(201,162,39,.08) 2px,transparent 2px),radial-gradient(circle at 75% 55%,rgba(255,255,255,.03) 80px,transparent 80px),radial-gradient(circle at 20% 70%,rgba(255,255,255,.025) 100px,transparent 100px),radial-gradient(circle at 60% 20%,rgba(255,255,255,.02) 120px,transparent 120px);pointer-events:none}.hero:after{content:"";position:absolute;top:-50%;right:-20%;width:600px;height:600px;border:1px solid rgba(255,255,255,.04);border-radius:50%;pointer-events:none}.hero .container{position:relative;z-index:1}.hero-grid{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.hero-visual{display:flex;align-items:center;justify-content:center}.hero-shield{width:220px;height:auto;opacity:.85;filter:drop-shadow(0 8px 32px rgba(0,0,0,.2))}.hero h1{font-size:2.75rem;font-weight:700;max-width:700px;line-height:1.2;margin-bottom:24px}.hero p{font-size:1.25rem;opacity:.9;max-width:600px;margin-bottom:32px}.hero-badges{display:flex;gap:24px;flex-wrap:wrap}.badge{background:#ffffff26;border:1px solid rgba(255,255,255,.25);padding:12px 20px;border-radius:6px;font-size:.9rem;display:flex;align-items:center;gap:8px}.badge-icon{width:20px;height:20px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;color:var(--primary);font-weight:700}.problem{padding:80px 0;background:var(--light)}.section-title{font-size:1.75rem;color:var(--primary);margin-bottom:40px;text-align:center}.problem-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}.problem-card{background:#fff;padding:28px;border-radius:8px;border-left:4px solid var(--danger);box-shadow:0 2px 8px #0000000f}.problem-card h3{font-size:1.1rem;margin-bottom:12px;color:var(--primary)}.problem-card p{color:var(--muted);font-size:.95rem}.services{padding:80px 0}.section-subtitle{text-align:center;color:var(--muted);margin-top:-24px;margin-bottom:48px;font-size:1.1rem}.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:28px}.service-card{padding:32px;border:1px solid #e2e8f0;border-radius:8px;transition:box-shadow .2s,border-color .2s}.service-card:hover{box-shadow:0 8px 24px #00000014;border-color:var(--accent)}.service-icon{width:48px;height:48px;background:var(--light);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:20px}.service-card h3{font-size:1.15rem;margin-bottom:12px;color:var(--primary)}.service-card p{color:var(--muted);font-size:.95rem}.guarantee{padding:80px 0;background:var(--primary);color:#fff}.guarantee-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.guarantee h2{font-size:2rem;margin-bottom:24px}.guarantee-desc{opacity:.9;margin-bottom:16px;font-size:1.05rem}.guarantee-features{list-style:none}.guarantee-features li{padding:16px 0;border-bottom:1px solid rgba(255,255,255,.15);display:flex;align-items:flex-start;gap:12px}.guarantee-features li:last-child{border:none}.check{color:var(--gold);font-weight:700;font-size:1.1rem;flex-shrink:0}.insurance-badge{background:#c9a22733;border:2px solid var(--gold);padding:40px 24px;border-radius:8px;text-align:center}.insurance-amount{font-size:2.5rem;font-weight:700;color:var(--gold)}.insurance-label{opacity:.9;margin-top:8px;line-height:1.5}.process{padding:80px 0;background:var(--light)}.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.step{text-align:center;padding:24px}.step-number{width:48px;height:48px;background:var(--primary);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.25rem;margin:0 auto 16px}.step h3{color:var(--primary);margin-bottom:8px;font-size:1.05rem}.step p{color:var(--muted);font-size:.9rem}.cta{padding:80px 0;text-align:center}.cta h2{font-size:2rem;color:var(--primary);margin-bottom:16px}.cta p{color:var(--muted);margin-bottom:32px;font-size:1.1rem}.btn{display:inline-block;background:var(--primary);color:#fff;padding:16px 40px;border-radius:6px;text-decoration:none;font-weight:600;font-size:1.05rem;transition:background .2s}.btn:hover{background:var(--accent)}.footer{background:var(--footer-bg);color:#ffffffb3;padding:48px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:40px}.footer-about p{font-size:.95rem;margin-top:16px}.footer h4{color:#fff;margin-bottom:16px;font-size:1rem}.footer ul{list-style:none}.footer li{margin-bottom:8px}.footer a{color:#ffffffb3;text-decoration:none;font-size:.9rem;transition:color .2s}.footer a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.85rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}@media(max-width:768px){.hero{padding:64px 0}.hero-grid{grid-template-columns:1fr}.hero-visual{display:none}.hero h1{font-size:2rem}.hero p{font-size:1.1rem}.hero-badges{gap:12px}.badge{padding:10px 14px;font-size:.85rem}.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--primary);flex-direction:column;padding:16px 24px;gap:16px;border-top:1px solid rgba(255,255,255,.15)}.nav.open{display:flex}.nav-toggle{display:block}.guarantee-inner{grid-template-columns:1fr;gap:40px}.process-steps{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr;gap:32px}.section-title{font-size:1.5rem;margin-bottom:32px}.problem,.services,.guarantee,.process,.cta{padding:60px 0}}@media(max-width:480px){.process-steps{grid-template-columns:1fr}.hero h1{font-size:1.75rem}.insurance-amount{font-size:2rem}.footer-bottom{flex-direction:column}}