:root{--primary:#ff7f0e;--primary-gradient:linear-gradient(135deg,#ff7f0e 0%,#f50 100%);--primary-hover:#e65100;--primary-glow:rgba(255,127,14,.4);--secondary:#2e86de;--dark:#1f2937;--light:#f3f4f6;--gray:#6b7280;--white:#fff;--border:rgba(229,231,235,.8);--glass-bg:rgba(255,255,255,.85);--glass-border:rgba(255,255,255,.5);--shadow-sm:0 2px 4px rgba(0,0,0,.02);--shadow-md:0 10px 30px -10px rgba(0,0,0,.08);--shadow-lg:0 20px 40px -12px rgba(0,0,0,.12);--shadow-colored:0 10px 25px -5px var(--primary-glow);--radius-md:12px;--radius-lg:20px;--radius-full:9999px}*{box-sizing:border-box;margin:0;padding:0}body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--dark);line-height:1.6;background-color:#fafafa;-webkit-font-smoothing:antialiased;padding-top:80px;font-optical-sizing:auto}.fade-element{opacity:0;transition:all .8s cubic-bezier(.2,.8,.2,1)}.fade-element.animated{opacity:1;transform:translateY(0)}.slide-in-up{transform:translateY(30px)}html{scroll-behavior:smooth;scroll-padding-top:90px}a:focus-visible,button:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(255,127,14,.3)}.header{position:fixed;top:0;left:0;right:0;background:var(--glass-bg);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid rgba(0,0,0,.03);z-index:1000;padding:12px 0;transition:all .3s ease}.header.scrolled{box-shadow:var(--shadow-sm);padding:10px 0}.header-container{display:flex;justify-content:space-between;align-items:center;max-width:1240px;margin:0 auto;padding:0 24px}.logo img{height:56px;width:auto;transition:transform .4s cubic-bezier(.34,1.56,.64,1);filter:drop-shadow(0 2px 4px rgba(0,0,0,.05))}.logo:hover img{transform:scale(1.08) rotate(-2deg)}.nav-desktop{display:flex;align-items:center;gap:24px}.nav-link{color:var(--dark);font-weight:500;font-size:.95rem;text-decoration:none;padding:8px 0;position:relative;transition:color .3s}.nav-link:hover{color:var(--primary)}.nav-link::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--primary-gradient);transition:width .3s ease;border-radius:2px}.nav-link:hover::after,.nav-link.active::after{width:100%}.dropdown{position:relative}.dropdown-content{position:absolute;top: calc(100% + 10px);left:-15px;background:var(--white);box-shadow:var(--shadow-lg);border:1px solid var(--border);border-radius:var(--radius-md);min-width:240px;padding:8px;opacity:0;visibility:hidden;transform:translateY(10px) scale(.98);transition:all .25s cubic-bezier(.2,.8,.2,1);z-index:100}.dropdown:hover .dropdown-content{opacity:1;visibility:visible;transform:translateY(0) scale(1)}.dropdown-item{display:block;padding:12px 16px;color:var(--dark);text-decoration:none;border-radius:8px;font-weight:500;transition:all .2s}.dropdown-item:hover{background-color:rgba(255,127,14,.08);color:var(--primary-hover);transform:translateX(4px)}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--primary-gradient);color:#fff;font-weight:600;padding:12px 28px;border-radius:var(--radius-full);text-decoration:none;transition:all .3s cubic-bezier(.34,1.56,.64,1);border:none;cursor:pointer;box-shadow:var(--shadow-colored);letter-spacing:.3px;text-shadow:0 1px 2px rgba(0,0,0,.1)}.btn:hover{transform:translateY(-2px) scale(1.02);box-shadow:0 15px 30px -8px var(--primary-glow)}.btn:active{transform:translateY(0) scale(.98)}.mobile-menu-btn{display:none;background:transparent;border:none;cursor:pointer;padding:8px;border-radius:50%;transition:background .3s}.mobile-menu-btn:hover{background:rgba(0,0,0,.05)}.hero{padding:120px 20px 80px;background:radial-gradient(circle at top right,#fff5eb 0%,transparent 40%) , linear-gradient(135deg,#fff 0%,#f3f4f6 100%);color:var(--dark);text-align:center;position:relative;overflow:hidden}.hero-container{max-width:1000px;margin:0 auto;position:relative;z-index:2}.hero-title{font-size:3.5rem;font-weight:800;margin-bottom:24px;line-height:1.1;background:linear-gradient(135deg,#1f2937 0%,#4b5563 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;letter-spacing:-.03em;animation:fadeAndSlideInUp .8s ease-out}.hero-subtitle{font-size:1.25rem;color:var(--gray);margin-bottom:40px;max-width:700px;margin-left:auto;margin-right:auto;animation:fadeAndSlideInUp .8s ease-out .2s forwards;opacity:0}.hero-btn{background:var(--primary-gradient);color:#fff;font-size:1.1rem;padding:16px 40px;border-radius:var(--radius-full);box-shadow:var(--shadow-colored);display:inline-block;text-decoration:none;font-weight:600;transition:all .3s;animation:fadeAndSlideInUp .8s ease-out .4s forwards;opacity:0}.hero-btn:hover{transform:translateY(-4px);box-shadow:0 20px 40px -10px var(--primary-glow)}.benefits{padding:100px 0}.section-title{text-align:center;font-size:2.5rem;font-weight:800;margin-bottom:60px;color:var(--dark);letter-spacing:-.02em}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;max-width:1240px;margin:0 auto;padding:0 24px}.benefit-card{background:var(--white);border-radius:var(--radius-lg);padding:40px 32px;box-shadow:var(--shadow-md);border:1px solid rgba(255,255,255,.8);transition:all .4s cubic-bezier(.2,.8,.2,1);text-align:center;opacity:0;transform:translateY(30px);position:relative;overflow:hidden}.benefit-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--primary-gradient);opacity:0;transition:opacity .3s}.benefit-card:hover{transform:translateY(-10px);box-shadow:var(--shadow-lg)}.benefit-card:hover::before{opacity:1}.benefit-card.animated{opacity:1;transform:translateY(0)}.benefit-icon{width:72px;height:72px;margin:0 auto 24px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#fff3e0 0%,#ffe0b2 100%);border-radius:20px;color:var(--primary);transition:transform .4s ease}.benefit-card:hover .benefit-icon{transform:scale(1.1) rotate(5deg)}.benefit-title{font-size:1.35rem;font-weight:700;margin-bottom:16px;color:var(--dark)}.benefit-text{color:var(--gray);font-size:1rem;line-height:1.7}.calculator{padding:80px 0;background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.calculator-container{max-width:1240px;margin:0 auto;padding:0 24px}.how-it-works{padding:100px 0;background-color:#fafafa}.steps{max-width:900px;margin:0 auto;padding:0 24px}.step{display:flex;margin-bottom:40px;align-items:flex-start;background:var(--white);padding:24px;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);border:1px solid var(--border);transition:transform .3s ease}.step:hover{transform:translateX(10px);box-shadow:var(--shadow-md);border-color:rgba(255,127,14,.2)}.step-number{width:48px;height:48px;background:var(--primary-gradient);color:#fff;border-radius:14px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.1rem;margin-right:24px;flex-shrink:0;box-shadow:0 8px 16px -4px var(--primary-glow)}.step-title{font-size:1.25rem;font-weight:700;margin-bottom:8px;color:var(--dark)}.step-text{color:var(--gray)}.risks,.faq{padding:100px 0;background-color:var(--white)}.risk-card,.faq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);padding:24px;box-shadow:var(--shadow-sm);transition:all .3s}.risk-card:hover{box-shadow:var(--shadow-md);border-color:rgba(255,127,14,.3)}.footer{background:#111827;color:#f9fafb;padding:80px 0 40px}.footer-container{max-width:1240px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:60px}.footer-logo img{height:70px;margin-bottom:24px;filter:brightness(0) invert(1);opacity:.9}.footer-about{color:#9ca3af;line-height:1.8}.footer-title{font-size:1.2rem;font-weight:700;margin-bottom:24px;color:#f3f4f6}.footer-link{color:#9ca3af;text-decoration:none;margin-bottom:12px;display:block;transition:all .3s}.footer-link:hover{color:var(--primary);transform:translateX(5px)}.footer-bottom{text-align:center;padding-top:40px;margin-top:60px;border-top:1px solid rgba(255,255,255,.1);color:#6b7280}@media (max-width:992px){.nav-desktop{display:none}.mobile-menu-btn{display:block}}@media (max-width:768px){.hero-title{font-size:2.5rem}.hero{padding:100px 20px 60px}.benefits-grid{grid-template-columns:1fr}.step{flex-direction:column}.step-number{margin-bottom:16px}}.mobile-menu{display:block;position:fixed;top:0;right:-100%;width:100%;height:100%;background:rgba(255,255,255,.98);backdrop-filter:blur(10px);z-index:999;padding:80px 24px;transition:right .4s cubic-bezier(.77,0,.175,1);box-shadow:-10px 0 30px rgba(0,0,0,.1)}.mobile-menu.active{right:0}.mobile-nav{display:flex;flex-direction:column;gap:20px}.mobile-menu-item{border-bottom:1px solid rgba(0,0,0,.05);padding-bottom:15px}.mobile-menu-toggle{font-size:1.2rem;font-weight:600}@keyframes fadeAndSlideInUp {
    from {
        opacity: 0;
        transform: translateY(40px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}.mobile-menu-btn{width:44px;height:44px;border-radius:12px;border:1px solid var(--border);background:var(--white);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:all .3s cubic-bezier(.34,1.56,.64,1)}.mobile-menu-btn:hover{background:var(--light);border-color:var(--primary);transform:scale(1.05)}.mobile-menu-btn:active{transform:scale(.95)}.mobile-dropdown{max-height:0;overflow:hidden;transition:max-height .4s cubic-bezier(.2,.8,.2,1);padding-left:20px}.mobile-dropdown.active{max-height:500px;padding-top:12px}.risks-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;max-width:1240px;margin:0 auto;padding:0 24px}.risk-card{display:flex;align-items:flex-start;padding:28px;background:var(--white);border:1px solid rgba(229,231,235,.6);border-radius:16px;transition:all .3s cubic-bezier(.2,.8,.2,1);position:relative;overflow:hidden}.risk-card::before{content:'';position:absolute;left:0;top:0;height:100%;width:4px;background:var(--primary-gradient);opacity:0;transition:opacity .3s}.risk-card:hover::before{opacity:1}.risk-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:rgba(255,127,14,.3)}.risk-icon{width:44px;height:44px;background:linear-gradient(135deg,#fff3e0 0%,#ffe0b2 100%);border-radius:12px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.2rem;color:var(--primary);margin-right:20px;flex-shrink:0;box-shadow:0 4px 12px rgba(255,127,14,.15)}.risk-content{flex:1}.risk-title{font-size:1.2rem;font-weight:600;margin-bottom:8px;color:var(--dark)}.risk-text{color:var(--gray);font-size:.95rem;line-height:1.6}.faq{padding:100px 0;background:linear-gradient(135deg,#fafafa 0%,#fff 100%)}.faq-items{max-width:800px;margin:0 auto;padding:0 24px}.faq-item{background:var(--white);border:1px solid rgba(229,231,235,.7);border-radius:16px;margin-bottom:16px;overflow:hidden;box-shadow:var(--shadow-sm);transition:all .3s}.faq-item:hover{border-color:var(--primary);box-shadow:var(--shadow-md)}.faq-question{padding:24px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;background:var(--white);transition:background .3s}.faq-question:hover{background:rgba(255,127,14,.03)}.faq-question h3{font-size:1.1rem;font-weight:600;color:var(--dark);margin:0;flex:1}.faq-question svg{transition:transform .4s cubic-bezier(.34,1.56,.64,1);margin-left:16px;color:var(--gray)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .5s cubic-bezier(.2,.8,.2,1);padding:0 24px;background:#fef7f0}.faq-answer.active{max-height:500px;padding:0 24px 24px}.faq-answer p{color:var(--gray);line-height:1.7;padding-top:16px;border-top:1px solid rgba(255,127,14,.1);margin:0}.section-title{text-align:center;font-size:2.5rem;font-weight:800;margin-bottom:60px;color:var(--dark);position:relative;padding-bottom:20px;letter-spacing:-.02em}.section-title::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);width:80px;height:4px;background:var(--primary-gradient);border-radius:2px}.step{opacity:0;transform:translateX(-20px);transition:all .6s cubic-bezier(.2,.8,.2,1)}.step.animated{opacity:1;transform:translateX(0)}.step:nth-child(1) {transition-delay:.1s}.step:nth-child(2) {transition-delay:.2s}.step:nth-child(3) {transition-delay:.3s}.step:nth-child(4) {transition-delay:.4s}.step:nth-child(5) {transition-delay:.5s}#cm-osago-check-iframe{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--border);background:var(--white)}@media (max-width:768px){.hero-title{font-size:2.2rem}.hero-subtitle{font-size:1.1rem}.section-title{font-size:2rem;margin-bottom:40px}.risk-card{flex-direction:column;text-align:center;padding:24px}.risk-icon{margin-right:0;margin-bottom:16px;width:56px;height:56px;font-size:1.4rem}.risks-grid{grid-template-columns:1fr;gap:20px}.faq-question h3{font-size:1rem}.faq-question{padding:20px}.mobile-menu{padding:100px 20px}}.faq-item{opacity:0;transform:translateY(20px);transition:all .6s cubic-bezier(.2,.8,.2,1)}.faq-item.animated{opacity:1;transform:translateY(0)}.benefit-card,.risk-card,.faq-item,.step{transition:all .4s cubic-bezier(.2,.8,.2,1)}.mobile-menu{z-index:9999}body.menu-open{overflow:hidden}@media (max-width:480px){.hero-title{font-size:1.8rem}.hero-subtitle{font-size:1rem}.hero-btn{width:100%;text-align:center;padding:14px 20px}.benefit-card{padding:30px 20px}.footer-container{grid-template-columns:1fr;gap:40px}}@media print{.header,.mobile-menu-btn,.btn,.hero-btn,.calculator,.footer-bottom{display:none!important}body{padding-top:0}.faq-answer{max-height:none!important;display:block!important}}