:root{
      --navy: #153755;
      --ice:  #DEE8F1;
      --orange: #F2953F;

      --bg: #ffffff;
      --surface: #F6FAFD;
      --ink: #071A2A;
      --muted: #314657;
      --line: rgba(21,55,85,.14);

      --header-h: 72px;

      --container: 1120px;
      --radius: 18px;
      --shadow: 0 14px 40px rgba(0,0,0,.08);
      --shadow-sm: 0 8px 22px rgba(0,0,0,.08);

      --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji", "Segoe UI Emoji";
    }

    *{ box-sizing: border-box; }
    html{ scroll-behavior: smooth; }
    body{
      margin: 0;
      font-family: var(--font);
      color: var(--ink);
      background: var(--bg);
      line-height: 1.55;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
      overflow-x: hidden;
    }

    .container{ max-width: var(--container); margin: 0 auto; padding: 0 20px; }

    a{ color: inherit; text-decoration: none; }
    a:hover{ text-decoration: underline; text-decoration-color: rgba(242,149,63,.55); text-underline-offset: .16em; }

    .skip-link{
      position: absolute;
      left: -9999px;
      top: 8px;
      background: #fff;
      color: #000;
      padding: 10px 12px;
      border-radius: 12px;
      z-index: 9999;
    }
    .skip-link:focus{ left: 12px; }

    /* Header (consistent) */
    .header{
      position: sticky;
      top: 0;
      z-index: 3000;
      background: rgba(255,255,255,.86);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(21,55,85,.14);
      box-shadow: var(--shadow-sm);
    }
    .header-inner{
      min-height: var(--header-h);
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 14px;
    }

    .brand{
      display:flex;
      align-items:center;
      gap: 12px;
      padding: 8px 10px;
      border-radius: 14px;
    }
    .brand-logo{ height: 40px; width: auto; display:block; }
    .brand-tag{
      color: rgba(21,55,85,.70);
      font-weight: 800;
      font-size: 14px;
      letter-spacing: .01em;
      white-space: nowrap;
    }

    .nav{
      display:flex;
      align-items:center;
      gap: 8px;
      padding: 6px;
      border-radius: 999px;
      border: 1px solid rgba(21,55,85,.14);
      background: rgba(222,232,241,.55);
    }
    .nav a{
      padding: 10px 12px;
      border-radius: 999px;
      font-weight: 900;
      font-size: 14px;
      color: rgba(21,55,85,.86);
    }
    .nav a:hover{ background: rgba(21,55,85,.08); color: var(--navy); }

    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      gap: 10px;
      border-radius: 999px;
      padding: 12px 16px;
      text-decoration:none;
      font-weight: 900;
      border: 1px solid transparent;
      cursor: pointer;
      line-height: 1;
      white-space: nowrap;
    }
    .btn.primary{
      background: var(--orange);
      color: #111;
      border-color: rgba(7,26,42,.12);
      box-shadow: 0 10px 20px rgba(242,149,63,.25);
    }
    .btn.primary:hover{ background: #f5a455; }
    .btn.ghost{
      border-color: rgba(21,55,85,.22);
      background: rgba(255,255,255,.75);
      color: var(--navy);
    }
    .btn.ghost:hover{ background: rgba(21,55,85,.06); }

    .lang-switch{
      display: flex;
      align-items: center;
    }
    .lang-select{
      border: 1px solid rgba(21,55,85,.22);
      background: rgba(255,255,255,.7);
      color: var(--navy);
      border-radius: 999px;
      padding: 8px 10px;
      font-weight: 900;
      font-size: 12px;
      letter-spacing: .08em;
      cursor: pointer;
    }
    .sr-only{
      position: absolute;
      width: 1px;
      height: 1px;
      padding: 0;
      margin: -1px;
      overflow: hidden;
      clip: rect(0, 0, 0, 0);
      border: 0;
      white-space: nowrap;
    }

    .hero{
      padding: 44px 0 12px;
      background: linear-gradient(180deg, rgba(222,232,241,.60), rgba(255,255,255,.98));
      border-bottom: 1px solid rgba(21,55,85,.12);
    }
    h1{
      margin: 0;
      font-size: clamp(28px, 3.8vw, 44px);
      letter-spacing: -0.02em;
      color: var(--navy);
    }
    .lead{
      margin: 10px 0 0;
      color: var(--muted);
      max-width: 90ch;
    }

    .section{ padding: 34px 0 70px; }
    .kicker{
      margin: 0 0 8px;
      font-weight: 950;
      letter-spacing: .10em;
      text-transform: uppercase;
      color: rgba(21,55,85,.70);
      font-size: 12px;
    }

    .accordion{
      display: grid;
      gap: 14px;
      align-items: start;
      margin-top: 14px;
    }
    .accordion-item{
      border: 1px solid rgba(21,55,85,.14);
      border-radius: var(--radius);
      background: rgba(255,255,255,.95);
      box-shadow: 0 8px 22px rgba(0,0,0,.06);
      overflow: hidden;
    }
    .accordion-item summary{
      list-style: none;
      cursor: pointer;
      padding: 14px 18px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 12px;
      font-weight: 950;
      color: var(--navy);
      background: rgba(222,232,241,.55);
    }
    .accordion-item summary::-webkit-details-marker{ display: none; }
    .accordion-item summary:focus-visible{
      outline: 3px solid var(--navy);
      outline-offset: 3px;
      border-radius: 12px;
    }
    .accordion-icon{
      width: 22px;
      height: 22px;
      border-radius: 8px;
      border: 1px solid rgba(21,55,85,.18);
      display: grid;
      place-items: center;
      position: relative;
      background: rgba(255,255,255,.8);
    }
    .accordion-icon::before,
    .accordion-icon::after{
      content:"";
      position: absolute;
      background: var(--navy);
      border-radius: 2px;
    }
    .accordion-icon::before{ width: 10px; height: 2px; }
    .accordion-icon::after{ width: 2px; height: 10px; }
    .accordion-item[open] .accordion-icon::after{ display: none; }
    .accordion-item .cols{
      padding: 16px 18px 18px;
    }
    .cols{
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin-top: 12px;
    }
    .subcard{
      border-radius: 14px;
      border: 1px solid rgba(21,55,85,.12);
      background: rgba(222,232,241,.28);
      padding: 12px;
    }
    .subcard h3{
      margin: 0 0 8px;
      font-size: 14px;
      color: rgba(21,55,85,.86);
      letter-spacing: -0.01em;
    }
    .subcard p{
      margin: 0 0 8px;
      color: var(--muted);
      font-size: 13px;
      line-height: 1.6;
    }
    .subcard p:last-child{ margin-bottom: 0; }

    .pill{
      display:inline-flex;
      align-items:center;
      gap: 8px;
      padding: 8px 10px;
      border-radius: 999px;
      border: 1px solid rgba(21,55,85,.14);
      background: rgba(255,255,255,.70);
      font-weight: 900;
      font-size: 12px;
      color: rgba(21,55,85,.82);
      margin: 4px 6px 0 0;
    }

    .footer-banner{
      background: #0b2a4a;
      color: #f4f7fb;
      padding: 48px 0 28px;
      border-top: none;
    }
    .footer-banner a{
      color: #f4f7fb;
      text-decoration: none;
    }
    .footer-banner a:hover{ text-decoration: underline; text-underline-offset: .15em; }
    .footer-banner-grid{
      display: grid;
      grid-template-columns: 1.05fr 1.4fr 1.1fr;
      gap: 28px;
      align-items: start;
    }
    .footer-logo-large{
      height: 48px;
      width: auto;
      display: block;
    }
    .footer-address{
      margin: 12px 0 0;
      line-height: 1.6;
      color: rgba(255,255,255,.78);
      font-size: 14px;
    }
    .footer-about h3,
    .footer-partners h3{
      margin: 0 0 10px;
      font-size: 20px;
      letter-spacing: -0.02em;
      color: #fff;
    }
    .footer-about p{
      margin: 0 0 10px;
      line-height: 1.6;
      color: rgba(255,255,255,.84);
    }
    .footer-about-cta{
      margin-top: 12px;
      font-weight: 900;
      color: #fff;
    }
    .partners-grid{
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 16px 22px;
      align-items: center;
    }
    .partner-logo{
      max-height: 52px;
      width: auto;
      display: block;
      filter: brightness(0) invert(1);
      opacity: .9;
    }
    .partner-logo.mikra{
      max-height: 38px;
    }
    .partner-logo.tall{
      max-height: 92px;
    }
    .footer-bottom{
      border-top: 1px solid rgba(255,255,255,.12);
      margin-top: 26px;
      padding-top: 16px;
    }
    .footer-banner .small{
      color: rgba(255,255,255,.68);
      font-size: 13px;
    }

    @media (max-width: 980px){
      .cols{ grid-template-columns: 1fr; }
      .nav{ display:none; }
      .footer-banner-grid{ grid-template-columns: 1fr; }
      .partners-grid{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
      .brand-tag{ display: none; }
      .brand-logo{ height: 34px; }
    }
    @media (max-width: 640px){
      .partners-grid{ grid-template-columns: 1fr; }
    }