:root {
  --bg: #f5f8fc;
  --bg-alt: #ebf1f9;
  --surface: #ffffff;
  --text: #1f2a37;
  --muted: #5f6b7a;
  --primary: #0c4da2;
  --primary-strong: #08377a;
  --accent: #f59e0b;
  --border: #d5deea;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 12px 30px rgba(15, 23, 42, 0.08);
  --max-width: 1140px;
  --space-xs: 8px;
  --space-sm: 12px;
  --space-md: 18px;
  --space-lg: 26px;
  --space-xl: 40px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: "Inter", "Segoe UI", Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; border-radius: var(--radius); }

.container { width: min(100% - 2rem, var(--max-width)); margin-inline: auto; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 12px;
  background: #111827;
  color: #fff;
  padding: 10px 14px;
  border-radius: 8px;
  z-index: 9999;
}
.skip-link:focus { left: 12px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  font-weight: 800;
}

.brand-icon {
  width: 34px;
  height: 34px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  color: #fff;
  background: linear-gradient(135deg, var(--primary), var(--accent));
}

.brand-text { font-size: 0.95rem; }

.main-nav { display: flex; align-items: center; gap: var(--space-md); }
.main-nav a { color: #233247; font-weight: 600; }
.main-nav a.active { color: var(--primary); }

.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 26px;
  height: 3px;
  background: #233247;
  border-radius: 999px;
  margin: 5px 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 700;
  transition: transform .2s ease, box-shadow .2s ease;
}

.btn:hover { text-decoration: none; transform: translateY(-2px); }

.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--primary), var(--primary-strong));
  box-shadow: var(--shadow);
}

.btn-outline {
  color: var(--primary);
  border-color: var(--primary);
  background: transparent;
}

.btn-sm { padding: 9px 14px; font-size: 0.9rem; }

.hero {
  padding: clamp(52px, 9vw, 96px) 0 48px;
  background: radial-gradient(circle at top right, #dbeafe 0%, transparent 45%), var(--bg);
}

.hero-grid { display: grid; gap: 28px; align-items: center; }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: .06em;
  font-size: .82rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}

.hero h1 {
  font-size: clamp(1.85rem, 4.8vw, 3rem);
  line-height: 1.14;
  margin-bottom: 14px;
}

.hero-text { color: var(--muted); max-width: 62ch; }
.hero-actions { margin-top: var(--space-lg); display: flex; flex-wrap: wrap; gap: var(--space-sm); }
.hero-actions.center { justify-content: center; }

.trust-points {
  list-style: none;
  margin-top: var(--space-md);
  display: grid;
  gap: 8px;
  color: #334155;
}

.section { padding: clamp(56px, 8vw, 90px) 0; }
.section-alt { background: var(--bg-alt); }

.section h2 { font-size: clamp(1.4rem, 3vw, 2.06rem); margin-bottom: 10px; }
.section-intro { color: var(--muted); max-width: 740px; margin-bottom: var(--space-lg); }

.cards { display: grid; gap: var(--space-md); }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
}

.card h3 { margin-bottom: 8px; font-size: 1.08rem; }
.card p { color: var(--muted); }
.card-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: #e7f0ff;
  margin-bottom: 12px;
}

.text-link { display: inline-block; margin-top: 12px; font-weight: 700; }

.two-col { display: grid; gap: var(--space-lg); }

.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
}

.panel ul { margin-left: 20px; margin-top: 8px; }
.panel li { margin-bottom: 8px; }

.stack-actions { display: grid; gap: 10px; margin-top: 12px; }

.steps { list-style: none; display: grid; gap: 12px; }
.steps li {
  display: grid;
  grid-template-columns: 40px 1fr;
  gap: 12px;
  align-items: start;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px;
}
.steps li span {
  width: 34px;
  height: 34px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  font-weight: 800;
  color: var(--primary);
  background: #e7f0ff;
}

.faq-list { display: grid; gap: 12px; }
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  border: 0;
  background: transparent;
  text-align: left;
  padding: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  cursor: pointer;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .25s ease;
}

.faq-answer p { padding: 0 16px 16px; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 220px; }

.cta-final { background: linear-gradient(180deg, #edf4ff 0%, #f7faff 100%); }

.cta-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(20px, 4vw, 34px);
  text-align: center;
}

.site-footer { background: #0f172a; color: #cbd5e1; margin-top: 20px; }
.footer-grid { display: grid; gap: 22px; padding: 42px 0; }
.footer-grid h3 { color: #fff; margin-bottom: 8px; }
.footer-grid a { color: #bfdbfe; }
.footer-grid ul { list-style: none; display: grid; gap: 8px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.14);
  text-align: center;
  padding: 14px;
  font-size: .94rem;
}

.contact-layout { display: grid; gap: var(--space-md); }
.contact-card,
.form-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
}

.form-grid { display: grid; gap: 12px; }
label { display: inline-block; margin-bottom: 6px; font-weight: 600; }
input, select, textarea {
  width: 100%;
  border: 1px solid #cbd5e1;
  border-radius: 10px;
  padding: 11px 12px;
  font: inherit;
  color: var(--text);
  background: #fff;
}
textarea { min-height: 130px; resize: vertical; }
.field-error { min-height: 1.1em; color: #b91c1c; font-size: .88rem; margin-top: 4px; }
.form-message {
  display: none;
  padding: 10px 12px;
  border-radius: 10px;
  margin-top: 6px;
}
.form-message.info {
  display: block;
  background: #e8f1ff;
  color: #123d8d;
}

.legal-wrap {
  max-width: 920px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(20px, 4vw, 34px);
}

.legal-meta { color: var(--muted); margin-bottom: 16px; }
.legal-wrap h2 { margin-top: 20px; margin-bottom: 8px; font-size: 1.2rem; }
.legal-wrap p, .legal-wrap li { color: #374151; }
.legal-wrap ul { margin-left: 20px; }

.back-to-top {
  position: fixed;
  right: 16px;
  bottom: 16px;
  width: 42px;
  height: 42px;
  border: 0;
  border-radius: 999px;
  background: var(--primary);
  color: #fff;
  cursor: pointer;
  box-shadow: var(--shadow);
  opacity: 0;
  pointer-events: none;
  transition: .2s ease;
}

.back-to-top.show { opacity: 1; pointer-events: auto; }

.reveal { opacity: 0; transform: translateY(14px); transition: opacity .45s ease, transform .45s ease; }
.reveal.visible { opacity: 1; transform: none; }

:focus-visible {
  outline: 3px solid rgba(12, 77, 162, 0.28);
  outline-offset: 2px;
}

@media (min-width: 780px) {
  .hero-grid { grid-template-columns: 1.08fr .92fr; }
  .cards-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cards-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .cards-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .two-col { grid-template-columns: 1fr 1fr; }
  .contact-layout { grid-template-columns: .9fr 1.1fr; }
  .footer-grid { grid-template-columns: 1.1fr 1fr 1fr; }
}

@media (max-width: 980px) {
  .menu-toggle { display: inline-block; }
  .main-nav {
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--border);
    display: grid;
    gap: 10px;
    padding: 14px 1rem;
    transform: scaleY(0);
    transform-origin: top;
    opacity: 0;
    pointer-events: none;
    transition: .2s ease;
  }
  .main-nav.open { transform: scaleY(1); opacity: 1; pointer-events: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}