:root { --navy:#12324d; --cyan:#1aa6b8; --bg:#f3f7f8; --ink:#1b242b; --card:#fff; --line:#d5e1e6; --mute:#5d6b74; }
* { box-sizing:border-box; }
body { margin:0; font:16px/1.55 "Segoe UI", Tahoma, sans-serif; background:var(--bg); color:var(--ink); }
a { color:#0b6e8a; }
.w { width:min(1040px, calc(100% - 24px)); margin:0 auto; }
.top { background:var(--navy); color:#fff; font-size:14px; }
.top .w { display:flex; justify-content:space-between; padding:8px 0; gap:8px; flex-wrap:wrap; }
.top a { color:#fff; }
header { background:#fff; border-bottom:1px solid var(--line); }
header .w { display:flex; align-items:center; justify-content:space-between; min-height:64px; }
.logo { text-decoration:none; color:var(--navy); font-weight:800; font-size:20px; }
nav a { text-decoration:none; color:var(--navy); margin-left:12px; font-weight:600; font-size:14px; }
.band { background:linear-gradient(90deg,#12324d,#1aa6b8); color:#fff; padding:36px 0; }
.band a { color:#fff; }
h1 { font-size:clamp(26px,4vw,38px); line-height:1.2; margin:0 0 10px; }
h2 { font-size:24px; }
h3 { font-size:17px; }
.cols { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; }
.cell { background:var(--card); border:1px solid var(--line); border-top:3px solid var(--cyan); padding:14px; }
.rub { font-weight:800; color:var(--navy); }
.cta { display:inline-block; background:#fff; color:var(--navy); text-decoration:none; font-weight:800; padding:10px 14px; }
.sec { padding:22px 0; }
footer { background:var(--navy); color:#d5e4ec; padding:20px 0; font-size:14px; }
footer a { color:#fff; }
label { display:block; font-weight:700; margin:8px 0 4px; }
input, textarea { width:100%; max-width:420px; padding:8px; font:inherit; border:1px solid var(--line); }
@media (max-width:760px) { .cols { grid-template-columns:1fr; } nav { display:none; } }