/* ================= HERO ================= */
#hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;margin-top:-84px;padding-top:84px}
#heroBg{position:absolute;inset:-8% 0 -14% 0;z-index:0;will-change:transform}
#heroBg img{width:100%;height:100%;object-fit:cover;object-position:78% 42%}
#hero::before{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(101deg,rgba(3,22,50,.97) 0%,rgba(3,24,54,.95) 34%,rgba(0,45,102,.82) 50%,rgba(0,55,123,.3) 68%,rgba(0,55,123,0) 84%)}

.hero-in{position:relative;z-index:2;padding:clamp(56px,7vw,104px) 0 clamp(150px,15vw,210px);max-width:820px}
#hero h1{color:#fff;text-shadow:0 2px 40px rgba(0,20,50,.35)}
#hero h1 .hl{color:var(--gold)}
.hero-sub{margin-top:24px;max-width:57ch;font-size:clamp(1.05rem,1.35vw,1.22rem);color:#C7DCF3;line-height:1.6}
.hero-btns{display:flex;gap:13px;flex-wrap:wrap;margin-top:36px}
.hero-stats{display:flex;gap:clamp(20px,3.4vw,52px);margin:46px 0 0;padding:26px 0 0;flex-wrap:wrap;
  border-top:1px solid rgba(255,255,255,.2)}
.hero-stats div{min-width:0}
.hero-stats dt{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;letter-spacing:-.04em;
  font-size:clamp(1.55rem,2.5vw,2.05rem);color:#fff;white-space:nowrap;font-variant-numeric:tabular-nums}
.hero-stats dd{margin:5px 0 0;font-size:.75rem;letter-spacing:.13em;text-transform:uppercase;
  font-weight:600;color:#9DBCDF;white-space:nowrap}
.hero-note{display:inline-flex;gap:10px;align-items:flex-start;margin-top:30px;padding:12px 17px;
  border:1px solid rgba(255,255,255,.2);border-radius:12px;background:rgba(255,255,255,.06);
  font-size:.86rem;color:#CFE0F3;max-width:58ch;backdrop-filter:blur(6px)}
.hero-note b{color:#fff}

/* ================= ESTIMATOR ================= */
#estWrap{position:relative;z-index:5;margin-top:clamp(-160px,-13vw,-120px)}
#est{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-lg);border:1px solid var(--line);
  display:grid;grid-template-columns:1.28fr .95fr;overflow:hidden}
.est-l{padding:clamp(28px,3.1vw,42px)}
.est-r{padding:clamp(28px,3.1vw,42px);background:linear-gradient(160deg,var(--navy-deep),#062E60 70%);color:#fff;position:relative;overflow:hidden}
.est-r::before{content:"";position:absolute;width:340px;height:340px;right:-130px;top:-140px;border-radius:50%;
  background:radial-gradient(circle,rgba(242,176,46,.24),transparent 68%)}
.est-hd{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-bottom:24px}
.fld{margin-bottom:24px}
.fld > label{display:block;font-size:.74rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:11px}
.chips{display:flex;gap:8px;flex-wrap:wrap}
.chip{padding:10px 16px;border-radius:999px;border:1.5px solid var(--line-in);background:#fff;cursor:pointer;
  font-size:.9rem;font-weight:600;color:var(--muted);transition:all .25s var(--ease);white-space:nowrap}
.chip:hover{border-color:var(--navy-soft);color:var(--navy)}
.chip[aria-pressed="true"]{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff;
  box-shadow:0 10px 22px -12px rgba(4,36,75,.9)}
.amt-row{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:8px}
.amt-val{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:clamp(1.7rem,2.5vw,2.15rem);
  letter-spacing:-.035em;color:var(--navy-deep);font-variant-numeric:tabular-nums}
.amt-cap{font-size:.8rem;color:var(--muted)}
input[type=range]{width:100%;-webkit-appearance:none;appearance:none;background:transparent;height:26px;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:99px;
  background:linear-gradient(90deg,var(--navy) var(--p,30%),#D7E0EC var(--p,30%))}
input[type=range]::-moz-range-track{height:6px;border-radius:99px;background:#D7E0EC}
input[type=range]::-moz-range-progress{height:6px;border-radius:99px;background:var(--navy)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;
  background:#fff;border:3px solid var(--navy);margin-top:-9px;box-shadow:0 4px 14px rgba(6,27,55,.3);transition:transform .2s}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--navy);box-shadow:0 4px 14px rgba(6,27,55,.3)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
.tick{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted);margin-top:2px}
.est-out-lbl{font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#8FB6E4}
.est-range{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;letter-spacing:-.04em;
  font-size:clamp(1.75rem,2.9vw,2.5rem);line-height:1.08;margin:10px 0 4px;font-variant-numeric:tabular-nums}
.est-meter{position:relative;height:9px;border-radius:99px;background:rgba(255,255,255,.15);margin:22px 0 10px;overflow:hidden}
.est-meter i{position:absolute;top:0;bottom:0;border-radius:99px;
  background:linear-gradient(90deg,var(--gold),#FFD780);transition:left .6s var(--ease),width .6s var(--ease)}
.est-meter-lbl{display:flex;justify-content:space-between;font-size:.73rem;color:#9CBEE4}
.est-save{margin-top:22px;padding:15px 17px;border-radius:14px;background:rgba(242,176,46,.13);
  border:1px solid rgba(242,176,46,.32);font-size:.9rem;color:#FFE6B8}
.est-save b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.32rem;
  letter-spacing:-.03em;color:var(--gold);margin-top:3px;font-variant-numeric:tabular-nums}
.est-note{margin-top:18px;font-size:.76rem;line-height:1.5;color:#A6C2E0}
.amt-type{display:flex;align-items:center;gap:7px;margin-top:14px;font-size:.82rem;color:var(--muted)}
.amt-type span{font-weight:600;color:var(--ink)}
.amt-type input{width:120px;padding:7px 10px;border:1.5px solid var(--line-in);border-radius:9px;
  font-weight:600;font-variant-numeric:tabular-nums;background:#FBFCFE}
.amt-type input:focus{outline:none;border-color:var(--navy);background:#fff}
.amt-hint{color:#8E2C27;font-size:.78rem}
.est-cta{width:100%;margin-top:20px}

/* ================= MARQUEE (regulators) ================= */
.mq-track{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:clamp(30px,4.5vw,64px);max-width:960px;margin:0 auto}
.mq img{width:auto;max-height:40px;opacity:.68;transition:opacity .35s var(--ease)}
.mq img.seal{max-height:46px}
.mq img.word{max-height:25px}
.mq img:hover{opacity:.95}

/* ================= STATS ================= */

/* ================= SECTION HEAD ================= */
.shead{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(24px,4vw,64px);align-items:end;
  margin-bottom:clamp(38px,4.4vw,62px)}
.shead .lead{padding-bottom:6px}
.shead h2{margin-top:18px}

/* ================= SERVICES ================= */
.svc{display:grid;grid-template-columns:repeat(2,1fr);gap:clamp(16px,1.7vw,22px)}
.svc-matrix{display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:1px solid var(--line)}
.svc-matrix .svc-card{background:transparent;border:0;border-bottom:1px solid var(--line);
  border-radius:0;padding:clamp(30px,3.3vw,46px) clamp(30px,3.3vw,46px) clamp(30px,3.3vw,46px) 0}
.svc-matrix .svc-card:nth-child(2n){padding-left:clamp(30px,3.3vw,46px);border-left:1px solid var(--line)}
.svc-matrix .svc-card:hover{transform:none;box-shadow:none;background:rgba(255,255,255,.62)}
.svc-matrix .svc-card:hover .svc-list li{background:#fff}
.svc-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(28px,2.9vw,40px);overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s var(--ease),border-color .4s}
.svc-card::before{content:"";position:absolute;inset:0;opacity:0;transition:opacity .5s;
  background:radial-gradient(520px circle at var(--mx,50%) var(--my,0%),rgba(0,55,123,.07),transparent 62%)}
.svc-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#C9D7E8}
.svc-card:hover::before{opacity:1}
.svc-num{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:.8rem;letter-spacing:.1em;
  color:var(--navy);position:relative}
.svc-card h3{margin:14px 0 12px;position:relative}
.svc-card p{color:var(--muted);font-size:.98rem;position:relative}
.svc-list{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-wrap:wrap;gap:8px;position:relative}
.svc-list li{font-size:.85rem;font-weight:600;color:var(--navy);background:var(--mist);
  padding:7px 13px;border-radius:8px;transition:background .3s,color .3s}
.svc-card:hover .svc-list li{background:#E3ECF8}
.svc-more{display:inline-flex;align-items:center;gap:8px;margin-top:26px;font-weight:700;font-size:.92rem;
  color:var(--navy);position:relative}
.svc-more svg{transition:transform .35s var(--ease)}
.svc-card:hover .svc-more svg{transform:translateX(5px)}

/* ================= PROCESS ================= */
.proc{position:relative;display:grid;grid-template-columns:repeat(5,1fr);gap:clamp(14px,1.6vw,22px)}
.proc::before{content:"";position:absolute;left:0;right:0;top:29px;height:2px;background:rgba(255,255,255,.14)}
.proc::after{content:"";position:absolute;left:0;top:29px;height:2px;width:var(--pw,0%);
  background:linear-gradient(90deg,var(--gold),#FFD780);transition:width 1.1s var(--ease)}
.step{position:relative;padding-top:76px}
.step .dot{position:absolute;top:16px;left:0;width:28px;height:28px;border-radius:50%;
  background:var(--navy-deep);border:2px solid rgba(255,255,255,.22);display:grid;place-items:center;
  font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:.8rem;color:#9CBEE4;
  transition:background .5s,border-color .5s,color .5s,transform .5s var(--ease)}
.step.on .dot{background:var(--gold);border-color:var(--gold);color:#2A1A00;transform:scale(1.1)}
.step h3{font-size:1.08rem;color:#fff;margin-bottom:9px}
.step p{font-size:.92rem;color:var(--muted-dk);line-height:1.55}


/* ================= FEES ================= */
/* Блок переписан по образцу заказчика: тарифы теперь считаются от размера долга
   и упираются в потолок 10%. Классы с приставкой fee-, чтобы не столкнуться
   с общими именами вроде .row или .table. */
.fees{display:grid;grid-template-columns:minmax(0,1.32fr) minmax(0,.88fr);
  gap:clamp(28px,3.6vw,56px);align-items:start}
.fee-lead{margin-top:20px;max-width:56ch}

/* ---------- ползунок ---------- */
.fee-dial{background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:clamp(20px,2.2vw,26px);margin-top:clamp(26px,3vw,36px)}
.fee-dial-top{display:flex;justify-content:space-between;align-items:baseline;gap:16px;
  flex-wrap:wrap;margin-bottom:14px}
.fee-dial-lab{font-size:.86rem;font-weight:500;color:var(--muted)}
.fee-dial-val{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.6rem;
  letter-spacing:-.02em;font-variant-numeric:tabular-nums;color:var(--ink)}
.fee-dial input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;
  border-radius:99px;background:var(--line);outline:none;margin:0}
.fee-dial input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;
  border-radius:50%;background:var(--navy);border:4px solid #fff;box-shadow:0 0 0 1px var(--navy);cursor:grab}
.fee-dial input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;
  background:var(--navy);border:4px solid #fff;box-shadow:0 0 0 1px var(--navy);cursor:grab}
.fee-dial input[type=range]:focus-visible{box-shadow:0 0 0 3px rgba(242,176,46,.6)}
.fee-scale{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:10px}

/* ---------- таблица ---------- */
.fee-tbl{margin-top:14px;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  background:#fff;box-shadow:0 18px 44px -34px rgba(6,27,55,.45)}
.fee-head,.fee-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr) minmax(0,1.5fr);
  gap:20px;padding:16px clamp(16px,1.8vw,26px)}
.fee-head{background:var(--navy-deep);color:#fff;font-family:"Plus Jakarta Sans",sans-serif;
  font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
.fee-row{border-top:1px solid var(--line);align-items:baseline}
.fee-name{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.97rem;
  letter-spacing:-.018em;color:var(--ink)}
.fee-amt{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1rem;
  letter-spacing:-.02em;font-variant-numeric:tabular-nums;color:var(--ink)}
.fee-amt small{display:block;font-size:.8rem;font-weight:500;color:var(--muted);
  letter-spacing:0;margin-top:3px}
.fee-amt.free{color:var(--green)}
.fee-note{font-size:.89rem;line-height:1.55;color:var(--muted)}

/* ---------- потолок ---------- */
.fee-cap{background:var(--navy-deep);color:#fff;padding:clamp(20px,2.2vw,26px)}
.fee-cap-top{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;
  flex-wrap:wrap;margin-bottom:16px}
.fee-cap-lab{font-size:.83rem;color:var(--muted-dk);margin:0 0 6px}
.fee-cap-num,.fee-cap-pct{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;
  font-size:clamp(1.5rem,2.4vw,1.9rem);letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums}
.fee-cap-right{text-align:right}
.fee-cap-pct{color:var(--gold)}
.fee-bar{height:8px;border-radius:99px;background:rgba(255,255,255,.16);overflow:hidden}
.fee-bar span{display:block;height:100%;background:var(--gold);border-radius:99px;transition:width .18s ease}
.fee-cap-foot{font-size:.83rem;line-height:1.6;color:var(--muted-dk);margin:14px 0 0}

/* ---------- уход из программы ---------- */
.fee-leave{margin-top:clamp(22px,2.4vw,28px);border:1px solid var(--line);border-radius:var(--r);
  background:#fff;padding:clamp(22px,2.4vw,26px)}
.fee-leave h3{font-size:1.15rem}
.fee-leave .sub{font-size:.89rem;color:var(--muted);margin:6px 0 20px;line-height:1.6}
.fee-leave dl{margin:0;display:grid;gap:16px}
.fee-leave dt{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.94rem;
  letter-spacing:-.018em;margin-bottom:3px;color:var(--ink)}
.fee-leave dd{margin:0;font-size:.89rem;line-height:1.6;color:var(--muted)}
.fee-leave .cant{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}

.fee-fine{font-size:.83rem;line-height:1.65;color:var(--muted);margin:18px 0 0;max-width:62ch}
.fee-fine a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}

/* ---------- карточка справа ---------- */
.fee-aside{background:linear-gradient(168deg,#0B3568 0%,var(--navy-deep) 46%);border-radius:var(--r-lg);
  padding:clamp(26px,2.9vw,34px);color:#fff;position:sticky;top:104px}
.fee-aside .eyebrow{color:var(--gold)}
.fee-aside h3{color:#fff;font-size:clamp(1.25rem,1.9vw,1.6rem);line-height:1.18;margin:18px 0 24px}
.fee-aside ul{list-style:none;margin:0;padding:0;display:grid;gap:19px}
.fee-aside li{padding-left:20px;position:relative}
.fee-aside li::before{content:"";position:absolute;left:0;top:7px;width:8px;height:8px;background:var(--gold)}
.fee-aside .t{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.94rem;
  letter-spacing:-.018em;margin-bottom:5px}
.fee-aside .d{font-size:.86rem;line-height:1.6;color:var(--muted-dk)}
.fee-aside .tail{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.16);
  font-size:.89rem;line-height:1.65;color:var(--muted-dk)}
.fee-aside .link{display:inline-block;margin-top:14px;color:var(--gold);font-weight:700;
  font-size:.92rem;text-decoration:underline;text-underline-offset:4px}

@media(max-width:1000px){
  .fees{grid-template-columns:1fr}
  .fee-aside{position:static}
}
@media(max-width:660px){
  .fee-head{display:none}
  .fee-row{grid-template-columns:1fr;gap:6px;padding:18px 20px}
  .fee-amt{font-size:1.15rem}
  .fee-cap-num,.fee-cap-pct{font-size:1.45rem}
}

/* ================= VIDEOS ================= */
.vid-rail{display:flex;gap:clamp(14px,1.7vw,22px);overflow-x:auto;scroll-snap-type:x mandatory;
  padding:8px clamp(20px,4.2vw,40px) 22px;margin:0 calc(-1 * clamp(20px,4.2vw,40px));scrollbar-width:none}
.vid-rail::-webkit-scrollbar{display:none}
.vid{position:relative;flex:none;width:clamp(230px,25vw,296px);aspect-ratio:9/14;border-radius:22px;
  overflow:hidden;scroll-snap-align:start;cursor:pointer;background:#0A2540;transition:transform .5s var(--ease)}
.vid img{width:100%;height:100%;object-fit:cover;transition:transform .9s var(--ease),filter .5s}
.vid::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(3,20,45,.88) 6%,rgba(3,20,45,.12) 52%,transparent)}
.vid:hover{transform:translateY(-7px)}
.vid:hover img{transform:scale(1.07)}
.vid-more::after{display:none}
.vid-meta{position:absolute;left:20px;right:20px;bottom:19px;z-index:2;color:#fff}
.vid-meta b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1.02rem;letter-spacing:-.02em}
.vid-meta span{font-size:.79rem;color:#B7CEE8}
.vid-play{position:absolute;top:18px;left:18px;z-index:2;width:46px;height:46px;border-radius:50%;
  background:rgba(255,255,255,.16);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.4);
  display:grid;place-items:center;transition:background .3s,transform .3s var(--ease)}
.vid:hover .vid-play{background:var(--gold);border-color:var(--gold);transform:scale(1.08)}
.vid:hover .vid-play svg{fill:#2A1A00}
.mq-alt{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.mq-note{max-width:62ch;margin:28px auto 0;text-align:center;font-size:.79rem;line-height:1.55;color:var(--muted)}
.rail-nav{display:flex;gap:9px}
.rail-nav button{width:46px;height:46px;border-radius:50%;border:1.5px solid var(--line);background:#fff;
  display:grid;place-items:center;cursor:pointer;transition:all .3s var(--ease);color:var(--navy-deep)}
.rail-nav button:hover{border-color:var(--navy);background:var(--navy);color:#fff;transform:translateY(-2px)}

/* ================= QUOTE ================= */
.quote{display:grid;grid-template-columns:auto 1fr;gap:clamp(24px,3.4vw,52px);align-items:start}
.quote .qm{font-family:"Instrument Serif",Georgia,serif;font-style:italic;font-size:clamp(5rem,8vw,8rem);
  line-height:.72;color:var(--gold);opacity:.55}
.quote blockquote{margin:0;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;letter-spacing:-.028em;
  font-size:clamp(1.5rem,2.9vw,2.4rem);line-height:1.22;color:var(--navy-deep)}
.quote cite{display:block;margin-top:26px;font-style:normal;font-size:.9rem;color:var(--muted)}
.quote cite b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-size:1.02rem;color:var(--ink);letter-spacing:-.02em}

/* ================= ABOUT ================= */
.about{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(32px,5vw,80px);align-items:center}
.about-img{position:relative;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/3.35;background:var(--mist)}
.about-img img{position:absolute;left:0;top:-9%;width:100%;height:118%;object-fit:cover;object-position:72% 40%;will-change:transform}
.about-badge{position:absolute;left:22px;bottom:22px;right:22px;background:rgba(255,255,255,.93);
  backdrop-filter:blur(12px);border-radius:16px;padding:18px 20px;display:flex;gap:16px;align-items:center}
.about-badge .ab-ic{flex:none;width:34px;height:34px;border-radius:50%;background:var(--gold-soft);
  color:var(--gold-deep);display:grid;place-items:center}
.about-badge p{font-size:.82rem;line-height:1.42;color:var(--muted)}
.about-badge b{color:var(--ink)}
.trust-list{list-style:none;padding:0;margin:34px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:13px 22px}
.trust-list li{display:flex;gap:11px;align-items:flex-start;font-size:.95rem;font-weight:500}
.trust-list svg{flex:none;margin-top:3px;color:var(--green)}
.pillars{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,1.8vw,24px);margin-top:clamp(40px,4.5vw,64px)}
.pillar{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 28px}
.pillar .mono{color:var(--gold-deep)}
.pillar h3{margin:12px 0 10px}
.pillar p{color:var(--muted);font-size:.96rem}

/* ================= TEAM ================= */
.team-rail{display:flex;gap:clamp(14px,1.6vw,20px);overflow-x:auto;padding:6px clamp(20px,4.2vw,40px) 24px;
  margin:0 calc(-1 * clamp(20px,4.2vw,40px));scroll-snap-type:x mandatory;scrollbar-width:none}
.team-rail::-webkit-scrollbar{display:none}
#team .wrap{position:relative}
#team .wrap::after{content:"";position:absolute;right:0;bottom:24px;width:90px;top:auto;height:0;pointer-events:none}
@media(min-width:901px){.team-rail{-webkit-mask-image:linear-gradient(90deg,#000 92%,transparent);
  mask-image:linear-gradient(90deg,#000 92%,transparent)}}
.mem{flex:none;width:clamp(200px,20vw,242px);scroll-snap-align:start}
.mem-ph{position:relative;border-radius:18px;overflow:hidden;aspect-ratio:4/5;background:var(--mist);
  filter:grayscale(1) contrast(1.02);transition:filter .55s var(--ease),transform .55s var(--ease)}
.mem-ph img{width:100%;height:100%;object-fit:cover}
.mem:hover .mem-ph{filter:none;transform:translateY(-6px)}
.mem b{display:block;margin-top:16px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;
  font-size:1.02rem;letter-spacing:-.024em}
.mem span{display:block;font-size:.85rem;color:var(--muted);margin-top:2px}

/* ================= FAQ ================= */
.faq{max-width:none;margin:0}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{list-style:none;cursor:pointer;display:flex;gap:20px;align-items:flex-start;
  padding:24px 0;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:clamp(1.02rem,1.3vw,1.2rem);
  letter-spacing:-.024em;transition:color .3s}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--navy)}
.faq summary .pm{flex:none;margin-left:auto;width:30px;height:30px;border-radius:50%;border:1.5px solid var(--line);
  display:grid;place-items:center;transition:all .35s var(--ease);color:var(--navy)}
.faq details[open] summary .pm{background:var(--navy);border-color:var(--navy);color:#fff;transform:rotate(45deg)}
.faq .ans{padding:0 50px 26px 0;color:var(--muted);font-size:1rem;max-width:74ch;
  animation:fadeUp .5s var(--ease) both}
@keyframes fadeUp{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}

/* ================= LEAD FORM ================= */
.lead-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:clamp(30px,4.5vw,72px);align-items:center}
.form-card{background:#fff;border-radius:var(--r-lg);padding:clamp(28px,3.2vw,44px);box-shadow:var(--shadow-lg);color:var(--ink)}
.dark .form-card h3{color:var(--navy-deep)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f{margin-bottom:14px}
.f label{display:block;font-size:.76rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--muted);margin-bottom:7px}
.f input,.f select,.f textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line-in);border-radius:12px;
  background:#FBFCFE;font-size:.98rem;transition:border-color .25s,background .25s,box-shadow .25s}
.f input:focus,.f select:focus,.f textarea:focus{outline:none;border-color:var(--navy);background:#fff;
  box-shadow:0 0 0 4px rgba(0,55,123,.09)}
.f textarea{resize:vertical;min-height:84px}
.q-preview{list-style:none;counter-reset:qp;padding:0;margin:0;display:grid;gap:11px}
.q-preview li{counter-increment:qp;display:flex;gap:13px;align-items:center;font-size:.94rem;color:var(--muted)}
.q-preview li::before{content:counter(qp);flex:none;width:25px;height:25px;border-radius:50%;
  background:var(--mist);color:var(--navy);display:grid;place-items:center;font-size:.76rem;font-weight:700}
.consent{display:flex;gap:11px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin:6px 0 18px}
.consent input{margin-top:3px;accent-color:var(--navy);width:17px;height:17px;flex:none}
.form-secure{display:flex;gap:9px;align-items:center;justify-content:center;margin-top:16px;
  font-size:.79rem;color:var(--muted)}

/* ================= FOOTER ================= */
#ft{background:var(--navy-ink);color:#9FBAD6;font-size:.92rem}
.ft-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.15fr;gap:clamp(26px,3.6vw,52px);
  padding:clamp(56px,6vw,84px) 0 clamp(38px,4vw,54px)}
#ft h3{color:#fff;font-size:.76rem;letter-spacing:.17em;text-transform:uppercase;font-weight:700;margin-bottom:20px}
#ft ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
#ft a:hover{color:#fff}
.ft-brand{display:flex;gap:12px;align-items:center;margin-bottom:20px}
.ft-brand img{width:40px;height:40px;object-fit:contain;filter:brightness(0) invert(1);opacity:.9}
.ft-brand b{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.08rem;color:#fff;letter-spacing:-.03em}
.soc{display:flex;gap:10px;margin-top:22px}
.soc a{width:42px;height:42px;border-radius:12px;border:1px solid rgba(255,255,255,.16);
  display:grid;place-items:center;transition:all .3s var(--ease)}
.soc a:hover{background:var(--gold);border-color:var(--gold);color:#2A1A00;transform:translateY(-3px)}
.ft-legal{border-top:1px solid rgba(255,255,255,.11);padding:26px 0 6px;font-size:.79rem;line-height:1.6;color:#7E9AB8}
.ft-legal h3{margin-top:16px;margin-bottom:6px;font-size:.7rem}
.ft-legal p{max-width:78ch}
.ft-bottom{border-top:1px solid rgba(255,255,255,.11);padding:26px 0 34px;font-size:.79rem;line-height:1.62;color:#7E9AB8}
.ft-bottom .row{display:flex;gap:18px;justify-content:space-between;flex-wrap:wrap;margin-top:16px}

/* ================= MOBILE BAR ================= */
#mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:110;background:rgba(3,26,56,.97);
  backdrop-filter:blur(12px);padding:10px 14px calc(10px + env(safe-area-inset-bottom));gap:9px;
  border-top:1px solid rgba(255,255,255,.12)}
#mbar .btn{flex:1;padding:13px 12px;font-size:.9rem}