:root{--ref-ink:#2D3345;--ref-muted:#616A76;--ref-blue:#33D7FF}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:150px}body{margin:0;font-family:'Manrope',Arial,sans-serif;color:var(--ref-ink);background:#fff}.ref-main a{text-decoration:none;color:inherit}.ref-main button,.ref-main input{font:inherit}.ref-wrap{width:min(1160px,100% - 48px);margin:auto}.ref-eyebrow{display:flex;align-items:center;gap:10px;font-size:12px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;margin:0 0 24px}.ref-eyebrow::before{content:'';width:8px;height:8px;border-radius:50%;background:var(--ref-blue)}.ref-hero{padding:78px 0 88px;background:linear-gradient(115deg,#f6fbfd 10%,#fff 70%);overflow:hidden}.ref-hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:70px;align-items:center}.ref-main h1{font-size:clamp(42px,4.8vw,66px);line-height:1.08;letter-spacing:-.055em;font-weight:600;margin:0 0 24px}.ref-main h1 span{color:#129fc1}.ref-lead{font-size:17px;line-height:1.8;color:var(--ref-muted);max-width:530px;margin:0 0 30px}.ref-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}.ref-main .ref-button{display:inline-flex;align-items:center;justify-content:center;gap:20px;min-height:48px;padding:13px 24px;background:var(--ref-blue);color:var(--ref-ink);border:1px solid transparent;border-radius:30px;font-size:14px;font-weight:700;cursor:pointer;transition:background .2s,transform .2s}.ref-main .ref-button:hover{background:#22c8ef;transform:translateY(-2px)}.ref-main .ref-button.secondary{background:transparent;border-color:#cedae0}.ref-note{font-size:12px;line-height:1.6;color:var(--ref-muted);margin:18px 0 0}.ref-visual{position:relative;padding:38px 25px;border-radius:32px;background:#e6f8fd;border:1px solid #d5eef5;transform:rotate(2deg)}.ref-visual-head{display:flex;align-items:center;justify-content:space-between;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.ref-gift{width:52px;height:52px;padding:12px;border-radius:15px;background:#fff;color:#129fc1}.ref-benefit{background:#fff;border:1px solid #e0eef2;border-radius:20px;padding:30px;margin:25px 0;box-shadow:0 15px 35px #143b4b08;transform:rotate(-2deg)}.ref-benefit small{font-size:12px;color:var(--ref-muted)}.ref-benefit strong{display:block;font-size:44px;font-weight:600;letter-spacing:-2px;margin:8px 0}.ref-benefit p{font-size:14px;line-height:1.6;color:var(--ref-muted);margin:0}.ref-months{display:grid;grid-template-columns:repeat(10,1fr);gap:5px;margin-top:23px}.ref-months span{height:40px;background:var(--ref-blue);border-radius:5px;display:grid;place-items:center;font-size:10px;font-weight:700}.ref-visual-foot{display:flex;justify-content:space-between;font-size:11px;color:var(--ref-muted)}.ref-section{padding:86px 0}.ref-section h2{font-size:clamp(30px,3.3vw,43px);line-height:1.18;letter-spacing:-.035em;font-weight:600;margin:0 0 18px}.ref-section-intro{max-width:620px;color:var(--ref-muted);line-height:1.8;font-size:15px}.ref-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:42px;padding:0;list-style:none}.ref-steps li{border-top:1px solid #dbe7ec;padding-top:24px}.ref-step-num{font-size:12px;color:#1385a3;font-weight:700}.ref-steps h3{font-size:19px;font-weight:700;margin:22px 0 12px}.ref-steps p{font-size:14px;line-height:1.8;color:var(--ref-muted);margin:0}.ref-calculator-section{background:#072239;color:#fff}.ref-calculator-section .ref-eyebrow{color:#a7d7e5}.ref-two-columns{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.ref-calculator-section .ref-section-intro{color:#b7c7d2}.ref-formula{margin-top:30px;padding-top:24px;border-top:1px solid #ffffff24;font-size:15px;line-height:1.8}.ref-formula strong{color:var(--ref-blue)}.ref-calculator{background:#fff;color:var(--ref-ink);padding:32px;border-radius:24px}.ref-calculator label{display:block;font-size:13px;font-weight:700;margin-bottom:12px}.ref-money{display:flex;align-items:center;border:1px solid #d4e1e8;border-radius:12px;padding:0 16px;gap:8px;margin-bottom:24px}.ref-money input{width:100%;border:0;padding:12px 0;min-width:0;background:transparent;color:var(--ref-ink)}.ref-calculator input[type=range]{width:100%;accent-color:#159fbe;margin:5px 0 22px}.ref-results{display:grid;grid-template-columns:1fr 1fr;gap:16px;border-top:1px solid #e1e9ee;padding-top:22px}.ref-results small{display:block;font-size:11px;color:var(--ref-muted);margin-bottom:8px}.ref-results output{font-size:25px;font-weight:700;letter-spacing:-.04em}.ref-form-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:start}.ref-checks{padding:0;list-style:none;margin-top:30px}.ref-checks li{display:flex;gap:12px;margin:18px 0;font-size:14px;color:var(--ref-muted);line-height:1.7}.ref-checks li::before{content:'✓';color:#1285a3;font-weight:700}.ref-form{padding:34px;border:1px solid #dfe8ed;border-radius:24px;background:#fff;box-shadow:0 16px 50px #183f4e06}.ref-form fieldset{border:0;margin:0 0 26px;padding:0;min-width:0}.ref-form legend{font-size:16px;font-weight:700;margin-bottom:20px}.ref-form label:not(.ref-consent){display:block;font-size:12px;font-weight:700;margin:16px 0 8px}.ref-form input:not([type=checkbox]){display:block;width:100%;border:1px solid #d3dfe5;background:#fafdfe;padding:12px 14px;border-radius:9px;font-size:14px;min-width:0;color:var(--ref-ink)}.ref-consent{display:flex;gap:12px;font-size:12px;line-height:1.7;color:var(--ref-muted);margin:8px 0 22px}.ref-consent input{flex-shrink:0;width:17px;height:17px;margin-top:3px;accent-color:#159fbe}.ref-form .ref-button{width:100%}.ref-form a:not(.ref-button){text-decoration:underline;text-underline-offset:3px}.ref-status{font-size:13px;color:#087b9a;line-height:1.6;margin-top:16px}.ref-faq{background:#f5fafc}.ref-faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.ref-faq details{border-bottom:1px solid #dce7ec;padding:20px 0}.ref-faq summary{font-size:15px;font-weight:700;cursor:pointer}.ref-faq details p{font-size:14px;color:var(--ref-muted);line-height:1.8;margin:16px 0 0}.ref-main :focus-visible{outline:3px solid #159fbe;outline-offset:4px}.ref-skip{position:absolute;left:20px;top:-80px;z-index:2000;background:#fff;padding:12px}.ref-skip:focus{top:12px}@media(max-width:900px){.ref-hero-grid,.ref-two-columns,.ref-form-layout,.ref-faq-grid{grid-template-columns:1fr;gap:38px}.ref-hero{padding:48px 0 60px}.ref-visual{max-width:500px;width:100%;margin:auto}.ref-section{padding:60px 0}.ref-steps{gap:24px}.ref-main h1{max-width:650px}.ref-form{padding:26px}}@media(max-width:580px){.ref-wrap{width:calc(100% - 36px)}.ref-steps{grid-template-columns:1fr;gap:26px}.ref-visual{padding:25px 18px;transform:none}.ref-benefit{padding:22px;transform:none}.ref-benefit strong{font-size:38px}.ref-months{gap:3px}.ref-months span{height:32px}.ref-calculator{padding:24px 20px}.ref-results{gap:10px}.ref-results output{font-size:23px}.ref-form{padding:22px 18px}.ref-main h1{font-size:43px}.ref-lead{font-size:15px}.ref-main input{font-size:16px!important}.ref-actions .ref-button{width:100%}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.ref-main *{transition:none!important}}