:root {
  --merz-blue: #003b83;
  --merz-blue-2: #0061a8;
  --merz-cyan: #00a7d9;
  --merz-green: #b7d400;
  --merz-teal: #2e747c;
  --ink: #14213d;
  --muted: #5b6472;
  --line: #d8e2ee;
  --soft: #f4f8fb;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(0, 47, 104, .14);
  --radius: 22px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.5;
}
a { color: inherit; }
img { max-width: 100%; height: auto; }
.container { width: min(1160px, calc(100% - 36px)); margin: 0 auto; }
.topbar {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(0, 59, 131, .1);
  box-shadow: 0 8px 24px rgba(0,0,0,.04);
}
.nav {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo-link { display: inline-flex; align-items: center; text-decoration: none; }
.logo-link img { height: 64px; width: auto; display: block; }
.nav-actions { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.nav-phone { font-weight: 700; color: var(--merz-blue); text-decoration: none; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 20px;
  border-radius: 999px;
  border: 2px solid transparent;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  font-size: 15px;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 22px rgba(0, 59, 131, .15); }
.btn-primary { background: var(--merz-green); color: #17324a; }
.btn-blue { background: var(--merz-blue); color: white; }
.btn-outline { border-color: var(--merz-blue); color: var(--merz-blue); background: white; }
.hero {
  background: linear-gradient(135deg, #f7fbff 0%, #eaf3fa 48%, #ffffff 100%);
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 42px;
  align-items: center;
  padding: 66px 0 44px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--merz-blue);
  background: rgba(0, 167, 217, .12);
  border: 1px solid rgba(0, 167, 217, .22);
  border-radius: 999px;
  padding: 8px 13px;
  font-weight: 800;
  font-size: 14px;
  margin-bottom: 18px;
}
h1, h2, h3 { line-height: 1.12; margin: 0 0 16px; }
h1 { font-size: clamp(34px, 5vw, 62px); letter-spacing: -.03em; color: var(--merz-blue); }
h2 { font-size: clamp(28px, 3.5vw, 46px); color: var(--merz-blue); letter-spacing: -.02em; }
h3 { font-size: 22px; color: var(--ink); }
.lead { font-size: 20px; color: #27384d; max-width: 760px; margin: 0 0 24px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; margin: 26px 0 16px; }
.micro { color: var(--muted); margin: 8px 0 0; font-size: 15px; }
.hero-proof { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 28px; }
.proof-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 14px;
  box-shadow: 0 10px 28px rgba(0, 59, 131, .08);
}
.proof-card strong { color: var(--merz-blue); display: block; }
.banner-card {
  background: white;
  border-radius: 28px;
  box-shadow: var(--shadow);
  overflow: hidden;
  border: 1px solid rgba(0, 59, 131, .12);
}
.banner-card a { display: block; text-decoration: none; }
.banner-card img { width: 100%; display: block; }
.banner-caption { padding: 18px 20px; display: flex; gap: 12px; align-items: flex-start; }
.check { color: var(--merz-green); font-weight: 900; font-size: 22px; line-height: 1; }
.color-strip { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr; height: 10px; }
.color-strip span:nth-child(1) { background: var(--merz-blue); }
.color-strip span:nth-child(2) { background: var(--merz-green); }
.color-strip span:nth-child(3) { background: var(--merz-cyan); }
.color-strip span:nth-child(4) { background: var(--merz-teal); }
.section { padding: 76px 0; }
.section-soft { background: var(--soft); }
.section-head { max-width: 840px; margin-bottom: 34px; }
.section-head p { color: var(--muted); font-size: 18px; margin: 0; }
.calculator {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 24px;
  align-items: start;
}
.panel {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field-full { grid-column: 1 / -1; }
label { font-weight: 800; color: #1d3150; font-size: 14px; }
input, select, textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid #c7d6e5;
  border-radius: 12px;
  font-size: 16px;
  font-family: inherit;
  background: #fff;
  color: var(--ink);
}
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(0, 167, 217, .22); border-color: var(--merz-cyan); }
.result-card {
  background: linear-gradient(160deg, var(--merz-blue) 0%, #075a9a 100%);
  color: white;
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.result-card .small { color: rgba(255,255,255,.76); margin: 0; }
.rate-big { font-size: clamp(42px, 6vw, 68px); line-height: 1; font-weight: 900; letter-spacing: -.04em; margin: 6px 0 8px; }
.result-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 22px; }
.meta-box { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.16); border-radius: 16px; padding: 14px; }
.meta-box span { display: block; color: rgba(255,255,255,.72); font-size: 13px; }
.meta-box strong { display: block; font-size: 19px; }
.savings {
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.18);
}
.savings-row { display: flex; justify-content: space-between; gap: 14px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.savings-row strong { font-size: 18px; }
.notice {
  margin-top: 14px;
  border-radius: 14px;
  padding: 12px 14px;
  background: rgba(183, 212, 0, .16);
  border: 1px solid rgba(183, 212, 0, .38);
  color: #fff;
}
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.benefit {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 12px 30px rgba(0, 59, 131, .08);
}
.icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(183, 212, 0, .23);
  color: var(--merz-blue);
  font-weight: 900;
  margin-bottom: 14px;
}
.cta-band {
  margin-top: 30px;
  background: var(--merz-blue);
  color: white;
  border-radius: 24px;
  padding: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.cta-band p { margin: 5px 0 0; color: rgba(255,255,255,.78); }
.region-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 22px; align-items: stretch; }
.quote {
  background: white;
  border-left: 8px solid var(--merz-green);
  border-radius: 20px;
  padding: 28px;
  box-shadow: var(--shadow);
}
.quote blockquote { font-size: 22px; line-height: 1.35; margin: 0 0 18px; color: #132846; font-weight: 700; }
.quote cite { color: var(--muted); font-style: normal; }
.map-card {
  background: linear-gradient(135deg, #edf6fc, #fff);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 28px;
}
.map-card ul { margin: 16px 0 0; padding: 0; list-style: none; display: grid; gap: 10px; }
.map-card li::before { content: '•'; color: var(--merz-green); font-weight: 900; margin-right: 8px; }
.faq-list { display: grid; gap: 12px; }
details {
  background: white;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 0;
  overflow: hidden;
}
summary {
  cursor: pointer;
  padding: 18px 20px;
  font-weight: 900;
  color: var(--merz-blue);
  list-style: none;
}
summary::-webkit-details-marker { display: none; }
details p { margin: 0; padding: 0 20px 18px; color: var(--muted); }
.offer-form {
  display: grid;
  grid-template-columns: .86fr 1.14fr;
  gap: 26px;
  align-items: start;
}
.form-aside {
  color: white;
  background: linear-gradient(160deg, var(--merz-blue), #0160a4);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.form-aside h3 { color: white; }
.form-aside ul { padding-left: 18px; }
.form-aside li { margin: 10px 0; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; margin: 14px 0; }
.checkbox-row input { width: 20px; min-height: 20px; margin-top: 3px; }
.hidden-field { position:absolute; left:-5000px; top:auto; width:1px; height:1px; overflow:hidden; }
.feedback { padding: 14px 16px; border-radius: 14px; margin-bottom: 16px; font-weight: 700; }
.feedback-error { background: #fff1f1; color: #9b1c1c; border: 1px solid #f4b9b9; }
.footer {
  background: #0b2447;
  color: rgba(255,255,255,.8);
  padding: 36px 0;
}
.footer a { color: white; }
.footer-grid { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.download-page .hero-grid { grid-template-columns: 1fr .8fr; }
.download-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
@media (max-width: 920px) {
  .hero-grid, .calculator, .region-grid, .offer-form, .download-page .hero-grid { grid-template-columns: 1fr; }
  .hero-proof, .cards { grid-template-columns: 1fr; }
  .cta-band { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 640px) {
  .container { width: min(100% - 24px, 1160px); }
  .nav { align-items: flex-start; flex-direction: column; padding: 14px 0; }
  .nav-actions { width: 100%; }
  .btn { width: 100%; }
  .form-grid { grid-template-columns: 1fr; }
  .result-meta { grid-template-columns: 1fr; }
  .section { padding: 54px 0; }
}