:root{--red:#cf1724;--dark:#171717;--paper:#f3efe7;--muted:#e8e0d3;--line:#d2c8b9;--ink:#201e1b;--grey:#6d675e;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}.shell{width:min(1500px,calc(100% - 64px));margin:0 auto}.hero{padding:88px 0 84px;background:linear-gradient(120deg,#f7f3ec 0%,#eee6da 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(360px,.75fr);gap:70px;align-items:center}.eyebrow{margin-bottom:18px;color:var(--red);font-size:13px;font-weight:800;letter-spacing:.18em}.hero h1,.section h2,.lead-section h2{margin:0;font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.04}.hero h1{max-width:850px;font-size:clamp(48px,5.5vw,90px)}.hero-lead{max-width:820px;margin:30px 0 22px;font-size:22px;color:#514c45}.hero-tags{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:28px}.hero-tags span{padding:8px 12px;border:1px solid #c9beb0;background:rgba(255,255,255,.45);font-size:14px}.actions{display:flex;flex-wrap:wrap;gap:14px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:0 24px;border:1px solid var(--red);font-weight:800;text-decoration:none;cursor:pointer}.button.primary{background:var(--red);color:#fff}.button.primary:hover{background:#a9101a}.button.ghost{background:transparent;color:var(--ink);border-color:#81796e}.micro{margin:17px 0 0;color:var(--grey);font-size:13px}.hero-card{padding:38px;background:#181818;color:#f9f6f0;box-shadow:0 20px 50px rgba(0,0,0,.12)}.card-mark{color:#ff6d76;font-size:12px;font-weight:800;letter-spacing:.18em}.hero-card h2{margin:15px 0 17px;font:38px/1.08 Georgia,serif}.hero-card p{color:#cfc9bf}.hero-card ul{margin:24px 0 0;padding:0;list-style:none}.hero-card li{padding:12px 0;border-top:1px solid #3d3d3d}.hero-card li:before{content:"✓";margin-right:10px;color:#ff4f5b}.section{padding:92px 0}.section.muted{background:#e9e2d7;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-head{display:grid;grid-template-columns:250px 1fr;gap:40px;margin-bottom:48px}.section h2,.lead-section h2{font-size:clamp(40px,4.6vw,68px)}.section-head p,.risk-grid>div>p{max-width:900px;color:var(--grey);font-size:19px}.cards{display:grid;gap:16px}.cards.three{grid-template-columns:repeat(3,1fr)}.cards article{min-height:245px;padding:28px;border:1px solid var(--line);background:#f8f5ef}.cards article>span{color:var(--red);font-weight:800}.cards h3,.service-grid h3,.steps h3{margin:28px 0 9px;font:28px/1.12 Georgia,serif}.cards p,.service-grid p,.steps p{margin:0;color:var(--grey)}.service-grid{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid #bfb5a6}.service-grid article{display:grid;grid-template-columns:56px 1fr;gap:20px;padding:32px 20px 32px 0;border-bottom:1px solid #bfb5a6}.service-grid article:nth-child(odd){padding-right:34px;border-right:1px solid #bfb5a6}.service-grid article:nth-child(even){padding-left:34px}.service-grid article>b{color:var(--red)}.service-grid h3{margin:0 0 9px}.risk-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:80px;align-items:start}.risk-list{border-top:1px solid var(--line)}.risk-list>div{display:grid;grid-template-columns:170px 1fr;gap:25px;padding:22px 0;border-bottom:1px solid var(--line)}.risk-list b{font-size:17px}.risk-list span{color:var(--grey)}.text-link{display:inline-block;margin-top:18px;color:var(--red);font-weight:800}.expert-section{background:#1a1a1a;color:#f8f4ed}.expert-grid{display:grid;grid-template-columns:minmax(320px,.75fr) minmax(0,1.25fr);gap:70px;align-items:center}.expert-photo{overflow:hidden;max-height:720px;background:#303030}.expert-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 20%}.expert-role{margin-top:-3px;color:#ff6d76;font-weight:800}.expert-grid p{max-width:850px;color:#d1cbc2;font-size:18px}.expert-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:35px 0}.expert-facts div{padding:20px;border:1px solid #444}.expert-facts b{display:block;color:#fff;font:30px Georgia,serif}.expert-facts span{color:#aaa}.expert-grid h3{font:26px Georgia,serif}.plain-list{padding-left:20px;color:#d1cbc2}.source-note{font-size:12px!important;color:#8f8981!important}.steps{margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);list-style:none}.steps li{padding:28px;border-left:1px solid #beb4a5}.steps li:last-child{border-right:1px solid #beb4a5}.steps>li>span{color:var(--red);font-weight:800}.steps h3{margin:35px 0 10px}.narrow{max-width:1050px}.faq h2{margin-bottom:35px}.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{padding:24px 45px 24px 0;font-size:20px;font-weight:800;cursor:pointer}.faq details p{max-width:850px;margin:0;padding:0 0 26px;color:var(--grey)}.lead-section{padding:92px 0;background:#ded4c5}.lead-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:70px}.lead-section p{max-width:650px;color:#5f5950;font-size:18px}.contacts{display:flex;flex-direction:column;align-items:flex-start;gap:10px;margin-top:34px}.contacts a{color:var(--ink);font:27px Georgia,serif}.lead-section form{padding:34px;background:#fff}.lead-section label{display:block;margin-bottom:16px;font-size:13px;font-weight:800;letter-spacing:.04em}.lead-section input,.lead-section textarea{display:block;width:100%;margin-top:7px;padding:15px;border:1px solid #bdb4a8;background:#faf9f6;color:#222;font:16px Arial;outline:none}.lead-section input:focus,.lead-section textarea:focus{border-color:var(--red)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;letter-spacing:0!important}.consent input{width:auto;margin:3px 0 0}.consent a{color:inherit}.honeypot{position:absolute!important;left:-9999px!important}.submit{width:100%;border-radius:0;font-size:16px}.form-hint{font-size:12px!important}.form-status{display:none;margin-top:15px;padding:14px;border:1px solid}.form-status.ok{display:block;background:#edf8f1;border-color:#8ac6a0;color:#176b39}.form-status.error{display:block;background:#fff0f0;border-color:#e2a4a4;color:#991a23}.page-footer{padding:55px 0 25px;background:#151515;color:#eee}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:55px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:9px}.footer-grid img{width:68px;height:68px;object-fit:contain}.footer-grid p{max-width:430px;color:#aaa}.footer-grid a{color:#eee;text-decoration:none}.footer-grid a:hover{text-decoration:underline}.footer-bottom{display:flex;justify-content:space-between;margin-top:35px;padding-top:20px;border-top:1px solid #393939;color:#999;font-size:13px}.footer-bottom a{color:#bbb}
@media(max-width:1100px){.shell{width:min(100% - 40px,1500px)}.hero-grid,.expert-grid,.lead-grid{grid-template-columns:1fr}.hero-card{max-width:750px}.cards.three{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.steps li:nth-child(2){border-right:1px solid #beb4a5}.risk-grid{grid-template-columns:1fr}.expert-photo{max-width:620px}.section-head{grid-template-columns:1fr;gap:8px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:720px){.shell{width:calc(100% - 28px)}.hero{padding:54px 0}.hero h1{font-size:46px}.hero-lead{font-size:18px}.hero-card{padding:25px}.hero-card h2{font-size:32px}.section,.lead-section{padding:64px 0}.section h2,.lead-section h2{font-size:39px}.cards.three,.service-grid,.steps,.expert-facts,.form-row,.footer-grid{grid-template-columns:1fr}.cards article{min-height:auto}.service-grid article,.service-grid article:nth-child(odd),.service-grid article:nth-child(even){padding:24px 0;border-right:0}.risk-list>div{grid-template-columns:1fr;gap:5px}.steps li,.steps li:nth-child(2),.steps li:last-child{border-right:1px solid #beb4a5}.expert-grid{gap:35px}.lead-section form{padding:22px}.contacts a{font-size:22px}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{gap:15px;flex-direction:column}.actions{flex-direction:column}.button{width:100%}}