.phero{position:relative;overflow:hidden;color:#fff;background:var(--navy) url("/media/ukk_1800x600.jpg") center 30%/cover no-repeat;padding:92px 0 96px}
.phero:before{content:"";position:absolute;inset:0;background:linear-gradient(95deg,rgba(15,39,64,.9) 0%,rgba(15,39,64,.72) 45%,rgba(15,39,64,.3) 100%)}
.phero p{font-size:19px;color:rgba(255,255,255,.9);max-width:620px}
.topics{position:relative;z-index:2;margin-top:-52px}
.topics ul{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:16px;box-shadow:0 18px 44px rgba(15,39,64,.12);overflow:hidden}
.topics li{padding:22px 24px;border-left:1px solid var(--line);display:flex;gap:14px;align-items:center}
.topics li:first-child{border-left:0}
.topics b{flex:0 0 38px;height:38px;border-radius:10px;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:14px}
.topics span{font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:14.5px;color:var(--navy);line-height:1.3}
.topics small{display:block;font-family:"Open Sans",Arial,sans-serif;font-weight:400;font-size:12.5px;color:var(--muted)}
.faq{padding:64px 0 96px}
.group{max-width:860px;margin:0 auto}
.group:last-child{margin-bottom:0}
.group h2{font-size:15px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--teal);margin-bottom:18px;display:flex;align-items:center;gap:14px}
.group h2:after{content:"";flex:1;height:1px;background:var(--line)}
.qa{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px 30px 26px;margin-bottom:16px;display:grid;grid-template-columns:44px 1fr;gap:18px}
.qa .q{width:44px;height:44px;border-radius:12px;background:var(--bg);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:18px;color:var(--amber)}
.qa h3{font-size:19px;font-weight:600;margin-bottom:10px;line-height:1.35}
.qa p{color:#2a3744;margin-bottom:12px}
.qa p:last-child{margin-bottom:0}
.qa blockquote{margin:10px 0 12px;padding:14px 18px;border-left:4px solid var(--amber);background:var(--bg);border-radius:0 10px 10px 0;font-size:15px;color:#2a3744}
.qa blockquote cite{display:block;margin-top:6px;font-style:normal;font-size:13px;color:var(--muted)}
.qa .short{display:inline-block;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:15px;color:var(--navy);background:var(--bg);border-radius:8px;padding:6px 12px}
.cta{background:var(--teal);color:#fff;padding:72px 0}
.cta .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.cta h2{color:#fff;font-size:32px;margin-bottom:10px}
.cta p{color:rgba(255,255,255,.9);max-width:560px}
.cta .btns{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end}
@media (max-width:900px){.topics ul{grid-template-columns:1fr 1fr}.topics li{border-left:0;border-top:1px solid var(--line)}.qa{grid-template-columns:1fr;gap:10px}.cta .wrap{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.menu{display:none}.phero h1{font-size:40px}.cta .btns{justify-content:flex-start}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}