:root { --navy: #13294B; --navy-2: #1d3a66; --marigold: #F5B700; --ivory: #FAF7F0; --ink: #1d2433; --muted: #5b6475; --line: #e4dfd2; --red: #B91C1C; --green: #166534; }
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--ivory); color: var(--ink); font: 17px/1.6 "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif; }
a { color: var(--navy); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 16px; }
.nav { background: var(--navy); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-weight: 700; font-size: 20px; }
.brand img { width: 34px; height: 34px; border-radius: 8px; }
.brand b { color: var(--marigold); }
.nav ul { list-style: none; display: flex; gap: 18px; margin: 0; padding: 0; }
.nav ul a { color: #dbe3f1; text-decoration: none; font-size: 15px; }
.nav ul a:hover, .nav ul a[aria-current] { color: #fff; text-decoration: underline; text-underline-offset: 4px; }

.hero { background: var(--navy); color: #fff; padding: 40px 0 64px; }
.hero .wrap { display: grid; grid-template-columns: 1.2fr .8fr; gap: 32px; align-items: center; }
.eyebrow { color: var(--marigold); font-weight: 700; letter-spacing: .04em; margin: 0 0 8px; }
.hero h1 { font-size: clamp(32px, 5vw, 52px); line-height: 1.1; margin: 0 0 16px; }
.hero p.lead { font-size: 19px; color: #dbe3f1; margin: 0 0 24px; max-width: 34em; }
.badge { display: inline-block; background: var(--marigold); color: var(--navy); font-weight: 700; border-radius: 999px; padding: 10px 18px; }
.phone { background: #fff; color: var(--ink); border-radius: 28px; padding: 18px; box-shadow: 0 20px 50px rgba(0,0,0,.35); max-width: 320px; margin-left: auto; }
.phone .verdict { border-radius: 14px; padding: 12px 14px; font-weight: 800; margin-bottom: 12px; }
.phone .ok { background: #e8f3ec; color: var(--green); }
.phone .stop { background: #fbe9e9; color: var(--red); }
.phone .label { font-size: 12px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.phone .payee { font-size: 24px; font-weight: 800; margin: 2px 0; }
.phone .pill { display: inline-block; background: #fef3c7; color: #78350f; font-size: 13px; font-weight: 700; border-radius: 999px; padding: 3px 10px; margin-right: 6px; }
.phone .q { margin-top: 12px; font-weight: 700; }

section { padding: 56px 0; }
section h2 { font-size: clamp(24px, 3.2vw, 32px); color: var(--navy); margin: 0 0 8px; }
section .sub { color: var(--muted); margin: 0 0 28px; max-width: 40em; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px; }
.card h3 { margin: 0 0 6px; font-size: 18px; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: 16px; }
.card .num { display: inline-flex; width: 30px; height: 30px; border-radius: 50%; background: var(--marigold); color: var(--navy); font-weight: 800; align-items: center; justify-content: center; margin-bottom: 10px; }
.band { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
ul.checks { list-style: none; padding: 0; margin: 0; }
ul.checks li { padding: 6px 0 6px 28px; position: relative; }
ul.checks li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 800; }
.note { background: #fff8e1; border-left: 4px solid var(--marigold); border-radius: 8px; padding: 14px 16px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; margin-bottom: 10px; }
.faq summary { font-weight: 700; cursor: pointer; color: var(--navy); }
.faq details p { margin: 10px 0 0; color: var(--ink); }
footer { background: var(--navy); color: #c9d3e6; font-size: 14px; padding: 28px 0; }
footer a { color: #fff; }
footer .wrap { display: grid; gap: 8px; }
.page-head { background: var(--navy); color: #fff; padding: 28px 0 32px; }
.page-head h1 { margin: 0; font-size: 30px; }
.page-head p { margin: 6px 0 0; color: #c9d3e6; }
@media (max-width: 820px) {
  .hero .wrap, .two { grid-template-columns: 1fr; }
  .phone { margin: 8px auto 0; }
  .grid { grid-template-columns: 1fr; }
  .nav ul { gap: 12px; }
}
@media (max-width: 420px) { .nav ul li.hide-sm { display: none; } }