:root {
    --navy: #0c2340;
    --navy-2: #16365f;
    --orange: #e23b12;
    --ink: #1b2430;
    --muted: #5c6b7a;
    --line: #e4eaf0;
    --paper: #f6f8fb;
}
* { box-sizing: border-box; }
body {
    margin: 0;
    font-family: system-ui, -apple-system, "Segoe UI", sans-serif;
    color: var(--ink);
    background: var(--paper);
}
a { color: var(--navy-2); }
.top {
    background: #fff;
    border-bottom: 1px solid var(--line);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 12px 22px;
}
.top-logo { height: 64px; width: auto; max-width: min(100%, 460px); display: block; }
.top nav { display: flex; gap: 8px; align-items: center; }
.top nav a {
    text-decoration: none;
    color: var(--navy);
    font-weight: 650;
    font-size: 0.95rem;
    padding: 8px 12px;
    border-radius: 8px;
}
.top nav a:hover { background: #eef3f8; }
.top nav a.here { color: var(--orange); }
.wrap { max-width: 980px; margin: 0 auto; padding: 36px 20px 64px; }
.lead {
    font-size: 1.25rem;
    line-height: 1.5;
    max-width: 40rem;
}
h1 { font-size: 2rem; line-height: 1.15; margin: 0 0 12px; color: var(--navy); }
h2 { color: var(--navy); margin: 0 0 8px; }
.cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 28px; }
.card, .panel {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 22px;
}
.card h2 { font-size: 1.2rem; }
.muted { color: var(--muted); line-height: 1.5; }
label { display: block; font-weight: 650; margin: 12px 0 6px; font-size: 0.92rem; }
input, textarea {
    width: 100%;
    font: inherit;
    padding: 10px 12px;
    border: 1px solid #c9d4e0;
    border-radius: 8px;
    background: #fff;
}
textarea { min-height: 120px; resize: vertical; }
button.primary {
    margin-top: 16px;
    background: var(--orange);
    color: #fff;
    border: 0;
    border-radius: 8px;
    padding: 12px 16px;
    font: inherit;
    font-weight: 700;
    cursor: pointer;
    width: 100%;
}
button.primary:disabled { opacity: 0.6; cursor: wait; }
.points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 28px; }
.point { background: #fff; border-top: 4px solid var(--navy); border-radius: 12px; padding: 16px 16px 18px; }
.point:nth-child(2) { border-top-color: var(--orange); }
.point h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.05rem; }
.point p { margin: 0; color: var(--muted); line-height: 1.5; }
.form-error { color: #9f1239; min-height: 1.2em; margin-top: 8px; }
.form-ok { background: #ecfdf3; color: #166534; border-radius: 8px; padding: 12px; margin-top: 12px; }
.site-foot {
    max-width: 980px;
    margin: 0 auto;
    padding: 0 20px 28px;
    color: var(--muted);
    font-size: 0.88rem;
}
.tabs { display: flex; gap: 8px; margin: 18px 0 0; }
.tabs button {
    font: inherit;
    font-weight: 700;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 8px 14px;
    cursor: pointer;
    color: var(--navy);
}
.tabs button.on { background: var(--navy); color: #fff; border-color: var(--navy); }
@media (max-width: 760px) {
    .cards, .points { grid-template-columns: 1fr; }
    .top { flex-wrap: wrap; }
    .top-logo { height: 48px; }
}