.htp{--htp-blue:#3070ba;--htp-blue-dk:#245a99;--htp-ink:#2b2b2b;--htp-body:#3f4652;--htp-r:10px;color:var(--htp-body);overflow-x:hidden}
.htp *{box-sizing:border-box}
.htp-w{max-width:1240px;margin:0 auto;padding-left:24px;padding-right:24px}
.htp h1,.htp h2,.htp h3{margin:0;font-weight:800;font-style:italic;line-height:1.12}
.htp p{margin:0}
.htp img{display:block}
.htp a{text-decoration:none}
.htp-btn{display:inline-flex;align-items:center;justify-content:center;height:50px;padding:0 30px;background:var(--htp-blue);color:#fff;font-weight:700;font-size:15px;letter-spacing:.06em;text-transform:uppercase;border-radius:4px}
.htp-btn:hover{background:var(--htp-blue-dk)}
.htp-hero{position:relative;min-height:520px;display:flex;align-items:center;justify-content:center;text-align:center;overflow:hidden;background:var(--htp-blue)}
.htp-hero__bg{position:absolute;inset:0}
.htp-hero__bg img{width:100%;height:100%;object-fit:cover}
.htp-hero__veil{position:absolute;inset:0;background:rgba(48,112,186,.72)}
.htp-hero__in{position:relative;max-width:820px;padding:96px 24px}
.htp-hero h1{font-size:clamp(34px,5.2vw,58px);color:#fff}
.htp-hero p{margin-top:14px;font-size:clamp(15px,1.6vw,18px);line-height:1.6;color:rgba(255,255,255,.95)}
.htp-hero p+p{margin-top:22px}
.htp-sec{padding:78px 0}
.htp-sec--blue{background:var(--htp-blue);color:#fff}
.htp-h2{text-align:center;font-size:clamp(30px,4.6vw,54px);color:var(--htp-blue);margin-bottom:46px}
.htp-sec--blue .htp-h2{color:#fff}
.htp-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}
.htp-step{display:flex;flex-direction:column;align-items:center;text-align:center}
.htp-step__img{width:100%;aspect-ratio:4/3;border-radius:var(--htp-r);overflow:hidden;background:#eef1f4}
.htp-step__img img{width:100%;height:100%;object-fit:cover}
.htp-num{width:44px;height:44px;margin-top:-22px;border-radius:50%;background:var(--htp-blue);color:#fff;font-weight:800;font-size:19px;display:flex;align-items:center;justify-content:center;position:relative;z-index:2;border:3px solid #fff}
.htp-step p{margin-top:16px;font-weight:800;font-style:italic;text-transform:uppercase;font-size:16px;line-height:1.4;color:var(--htp-ink)}
.htp-rules{display:grid;grid-template-columns:repeat(2,1fr);gap:34px}
.htp-rule{position:relative}
.htp-rule__img{width:100%;aspect-ratio:16/11;border-radius:var(--htp-r);overflow:hidden;background:#eef1f4}
.htp-rule__img img{width:100%;height:100%;object-fit:cover}
.htp-rule__cap{display:flex;align-items:center;gap:16px;background:#fff;border-radius:999px;padding:14px 26px 14px 14px;margin:-42px 0 0 26px;position:relative;z-index:2;box-shadow:0 4px 18px rgba(0,0,0,.12)}
.htp-rule__cap b{flex:0 0 46px;width:46px;height:46px;border-radius:50%;background:var(--htp-blue);color:#fff;font-weight:800;font-size:19px;display:flex;align-items:center;justify-content:center}
.htp-rule__cap span{font-weight:800;font-style:italic;font-size:15px;line-height:1.4;color:var(--htp-ink)}
.htp-score{position:relative;overflow:hidden;background:#dbe9f7}
.htp-score__bg{position:absolute;inset:0}
.htp-score__bg img{width:100%;height:100%;object-fit:cover}
.htp-score__in{position:relative;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center;padding:110px 0}
.htp-score h2{font-size:clamp(28px,3.6vw,42px);color:var(--htp-blue);margin-bottom:26px}
.htp-points{display:flex;flex-direction:column;gap:18px}
.htp-point{display:flex;gap:14px;align-items:flex-start}
.htp-point img,.htp-point svg{flex:0 0 22px;width:22px;height:22px;margin-top:2px}
.htp-point span{font-style:italic;font-size:16px;line-height:1.5;color:var(--htp-ink)}
.htp-point a{color:var(--htp-blue);font-weight:700;text-decoration:underline}
.htp-score__img img{width:100%;height:auto}
.htp-faqs{max-width:1040px;margin:0 auto}
.htp-faq+.htp-faq{margin-top:40px}
.htp-faq h3{font-size:clamp(22px,2.8vw,34px);color:var(--htp-blue)}
.htp-faq p{margin-top:12px;font-size:15px;line-height:1.6;color:var(--htp-blue)}
.htp-acc{max-width:1040px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.htp-acc details{border-radius:6px;overflow:hidden;background:var(--htp-blue)}
.htp-acc summary{list-style:none;cursor:pointer;padding:18px 24px;color:#fff;font-size:16px;font-weight:600;display:flex;align-items:center;justify-content:space-between;gap:16px}
.htp-acc summary::-webkit-details-marker{display:none}
.htp-acc summary::after{content:'';width:8px;height:8px;border-right:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg);transition:transform .2s;flex:0 0 auto}
.htp-acc details[open] summary::after{transform:rotate(45deg)}
.htp-acc__body{background:#fff;border:1px solid #dfe3e8;border-top:none;padding:22px 24px;font-size:15px;line-height:1.7;color:var(--htp-body)}
.htp-acc__body p+p{margin-top:12px}
.htp-cta{text-align:center}
.htp-cta h2{font-size:clamp(30px,4.4vw,50px);color:var(--htp-blue)}
.htp-cta p{margin-top:10px;font-size:clamp(22px,3.4vw,40px);font-weight:800;font-style:italic;line-height:1.15;color:var(--htp-blue)}
.htp-cta .htp-btn{margin-top:32px}
@media (max-width:989px){
.htp-steps{grid-template-columns:1fr;gap:40px;max-width:520px;margin:0 auto}
.htp-rules{grid-template-columns:1fr;gap:40px;max-width:560px;margin:0 auto}
.htp-score__in{grid-template-columns:1fr;gap:36px;padding:72px 0}
.htp-score__img{max-width:420px;margin:0 auto}
}
@media (max-width:749px){
.htp-w{padding-left:18px;padding-right:18px}
.htp-hero{min-height:420px}
.htp-hero__in{padding:64px 18px}
.htp-sec{padding:52px 0}
.htp-h2{margin-bottom:32px}
.htp-rule__cap{margin-left:14px;padding:12px 20px 12px 12px}
.htp-rule__cap b{flex:0 0 40px;width:40px;height:40px;font-size:17px}
.htp-rule__cap span{font-size:14px}
.htp-score__in{padding:56px 0}
.htp-faq+.htp-faq{margin-top:28px}
.htp-btn{width:100%}
}