:root{--navy:#08253d;--deep:#051c2c;--green:#75b843;--green2:#a8d66d;--cream:#f7f8f4;--text:#14232c;--muted:#64727c;--danger:#b42318;--shadow:0 22px 60px rgba(0,0,0,.10)}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:linear-gradient(135deg,#f7f8f4,#fff);color:var(--text)}a{text-decoration:none;color:inherit}.wrap{width:min(980px,92%);margin:0 auto;padding:38px 0}.brand{display:flex;align-items:center;gap:13px;margin-bottom:28px}.brand img{width:64px;height:64px;object-fit:contain}.brand strong{font-size:1.35rem;color:var(--navy)}.brand span{display:block;color:var(--green);font-size:.88rem}.card{background:#fff;border:1px solid #e7ece9;border-radius:24px;box-shadow:var(--shadow);overflow:hidden}.hero{background:var(--navy);color:#fff;padding:34px}.hero h1{margin:0 0 8px;font-size:clamp(2rem,5vw,3rem)}.hero p{margin:0;color:rgba(255,255,255,.75)}.progress{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;padding:20px 34px;background:#fff}.progress div{height:6px;border-radius:999px;background:#e9eeeb}.progress div.active{background:var(--green)}form{padding:10px 34px 36px}.step{display:none}.step.active{display:block}.step h2{color:var(--navy);margin:18px 0 6px}.step>p{color:var(--muted);margin-top:0}.grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full{grid-column:1/-1}.field{display:flex;flex-direction:column;gap:7px;margin:8px 0}.field label{font-size:.88rem;font-weight:700;color:var(--navy)}input,select,textarea{width:100%;padding:14px 15px;border:1px solid #d6dfda;border-radius:12px;font:inherit;outline:none;background:#fff}input:focus,select:focus,textarea:focus{border-color:var(--green);box-shadow:0 0 0 4px rgba(117,184,67,.12)}textarea{min-height:100px;resize:vertical}.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.program-option{border:1px solid #dfe7e2;border-radius:18px;padding:18px;cursor:pointer;transition:.2s}.program-option:hover,.program-option.selected{border-color:var(--green);background:#f4faef;transform:translateY(-2px)}.program-option strong{display:block;color:var(--navy)}.program-option small{display:block;color:var(--muted);margin-top:5px}.actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px}.btn{border:0;border-radius:999px;padding:13px 22px;font-weight:700;cursor:pointer}.btn-primary{background:var(--green);color:#fff}.btn-secondary{background:#edf1ef;color:var(--navy)}.notice{background:#eef7e7;border-left:4px solid var(--green);padding:15px;border-radius:0 12px 12px 0;color:var(--navy);margin:16px 0}.error{background:#fff0ee;color:var(--danger);padding:12px;border-radius:12px;margin-bottom:12px}.hidden{display:none!important}.summary{display:grid;gap:10px;background:var(--cream);padding:18px;border-radius:16px}.summary div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid #e5eae7;padding-bottom:8px}.summary div:last-child{border-bottom:0}.footer{text-align:center;color:var(--muted);font-size:.82rem;margin-top:22px}@media(max-width:720px){.grid,.programs{grid-template-columns:1fr}.full{grid-column:auto}.hero,form{padding-left:22px;padding-right:22px}.progress{padding-left:22px;padding-right:22px}.actions{flex-direction:column-reverse}.btn{width:100%}}