*{box-sizing:border-box}body{margin:0;font:17px/1.65 Manrope,Segoe UI,Arial,sans-serif;color:#1d2433;background:#f6f4ef}
a{color:#1b3a6b}.w{max-width:1040px;margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid #e3ded3}header .w{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.logo{font-weight:800;font-size:22px;color:#1b3a6b;text-decoration:none}nav a{margin-left:18px;text-decoration:none;color:#1d2433;font-weight:600}
.hero{padding:64px 0 36px}h1{font-size:clamp(30px,5vw,50px);line-height:1.15;margin:0 0 16px}h2{font-size:28px;margin:40px 0 12px}h3{margin:22px 0 6px}
.lead{font-size:20px;max-width:760px}.risk{background:#fff3e0;border-left:6px solid #d9780f;padding:16px 20px;border-radius:6px;margin:24px 0}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}.card{background:#fff;border:1px solid #e3ded3;border-radius:12px;padding:20px}
.card h3{margin-top:0}.btn{display:inline-block;background:#1b3a6b;color:#fff;padding:12px 24px;border-radius:8px;text-decoration:none;font-weight:700;border:0;font-size:17px;cursor:pointer}
input,textarea{width:100%;padding:12px;margin:6px 0 14px;border:1px solid #c9c3b5;border-radius:8px;font:inherit}.hp{position:absolute;left:-9999px}
footer{background:#1b2a47;color:#d8deea;margin-top:60px;padding:32px 0;font-size:15px}footer a{color:#fff;margin-right:16px}
main{padding-bottom:20px}ul{padding-left:22px}.small{font-size:14px;opacity:.85}