:root {
  --bg: #f5f7fa;
  --card: #ffffff;
  --ink: #12203a;
  --muted: #5b6b83;
  --primary: #b3121b;
  --primary-dark: #8f0e15;
  --accent: #1b3a6b;
  --border: #e1e6ee;
  --radius: 10px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.5;
}

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

header.top {
  background: var(--accent);
  color: #fff;
  padding: 14px 0;
  font-weight: 700;
  letter-spacing: 0.02em;
}

header.top .wrap { display: flex; align-items: center; gap: 8px; }

.hero {
  padding: 48px 0 32px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: start;
}

@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
}

h1 {
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.15;
  margin: 0 0 14px;
}

.hero p.lead {
  font-size: 18px;
  color: var(--muted);
  margin: 0 0 20px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 24px;
  font-size: 14px;
  color: var(--muted);
}

.trust-row span { display: flex; align-items: center; gap: 6px; }

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 8px 24px rgba(18, 32, 58, 0.08);
}

.card h2 { margin-top: 0; font-size: 20px; }

form .field { margin-bottom: 14px; }

label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; }

input[type="text"],
input[type="tel"],
input[type="email"],
select,
textarea {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  background: #fff;
  color: var(--ink);
}

textarea { min-height: 72px; resize: vertical; }

.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 12.5px;
  color: var(--muted);
  margin: 16px 0;
}

.consent input { margin-top: 3px; }

button.submit {
  width: 100%;
  padding: 15px;
  border: none;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
  font-size: 17px;
  font-weight: 700;
  cursor: pointer;
}

button.submit:hover { background: var(--primary-dark); }

button.submit:disabled { opacity: 0.6; cursor: not-allowed; }

.error { color: var(--primary); font-size: 14px; margin-top: 10px; display: none; }

.how-it-works {
  padding: 36px 0;
  border-top: 1px solid var(--border);
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 20px;
}

@media (max-width: 700px) { .how-grid { grid-template-columns: 1fr; } }

.step { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; }

.step .num {
  display: inline-flex;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin-bottom: 10px;
}

footer {
  padding: 28px 0 40px;
  color: var(--muted);
  font-size: 12px;
  border-top: 1px solid var(--border);
}

footer a { color: var(--muted); }