:root {
  --color-bg: #f6f8fc;
  --color-surface: #ffffff;
  --color-surface-alt: #eef3ff;
  --color-text: #1a2540;
  --color-muted: #4b587c;
  --color-primary: #1e4ed8;
  --color-primary-dark: #15379a;
  --color-accent: #0ea5a4;
  --color-border: #d9e1f2;
  --color-success: #166534;
  --color-error: #b91c1c;
  --font-base: "Inter", "Segoe UI", Roboto, Arial, sans-serif;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 8px 20px rgba(17, 39, 84, 0.08);
  --shadow-md: 0 16px 36px rgba(17, 39, 84, 0.12);
  --max-width: 1160px;
  --space-1: 0.5rem;
  --space-2: 0.75rem;
  --space-3: 1rem;
  --space-4: 1.5rem;
  --space-5: 2rem;
  --space-6: 3rem;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-base);
  color: var(--color-text);
  background: linear-gradient(180deg, #f9fbff 0%, #f6f8fc 100%);
  line-height: 1.6;
}
a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; border-radius: var(--radius-md); }
.container { width: min(100% - 2rem, var(--max-width)); margin-inline: auto; }
.section { padding: var(--space-6) 0; }
.section-alt { background: var(--color-surface-alt); }
.section-head { max-width: 720px; margin-bottom: var(--space-5); }
.section-head h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: var(--space-2); }
.eyebrow { color: var(--color-primary); font-weight: 700; letter-spacing: .06em; text-transform: uppercase; font-size: .8rem; margin-bottom: var(--space-2); }
.skip-link { position: absolute; left: -9999px; top: auto; }
.skip-link:focus { left: 1rem; top: 1rem; background: #fff; padding: .75rem 1rem; border-radius: 8px; z-index: 10000; }
.site-header {
  position: sticky; top: 0; z-index: 999;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--color-border);
}
.header-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 78px; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .7rem; font-weight: 800; color: var(--color-text); }
.brand-mark {
  width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center;
  color: #fff; background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
}
.brand-text { font-size: .96rem; }
.main-nav { display: none; position: absolute; top: 78px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--color-border); padding: 1rem; }
.main-nav.open { display: flex; flex-direction: column; gap: .8rem; }
.nav-link { color: var(--color-text); font-weight: 600; }
.nav-link.active { color: var(--color-primary); }
.nav-toggle { border: 1px solid var(--color-border); border-radius: 10px; background: #fff; width: 46px; height: 42px; display: grid; gap: 5px; padding: 8px; }
.nav-toggle span { display: block; height: 2px; width: 100%; background: var(--color-text); }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  border-radius: 12px; padding: .8rem 1.1rem; font-weight: 700; transition: .25s ease; border: 1px solid transparent;
}
.btn-primary { background: linear-gradient(135deg, var(--color-primary), #245ff8); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { transform: translateY(-2px); background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary)); text-decoration: none; }
.btn-secondary { background: #fff; border-color: var(--color-border); color: var(--color-text); }
.btn-secondary:hover { background: #f0f4ff; text-decoration: none; }
.hero-grid { display: grid; gap: 2rem; align-items: center; }
.hero-content h1 { font-size: clamp(1.8rem, 4vw, 3rem); line-height: 1.15; margin-bottom: 1rem; }
.hero-text { color: var(--color-muted); font-size: 1.05rem; margin-bottom: 1.4rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-bottom: 1rem; }
.hero-highlights { list-style: none; display: flex; flex-wrap: wrap; gap: .9rem; color: var(--color-muted); font-weight: 600; }
.hero-highlights li { background: #fff; border: 1px solid var(--color-border); border-radius: 999px; padding: .45rem .8rem; }
.cards-grid { display: grid; gap: 1rem; }
.card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 1.3rem; box-shadow: var(--shadow-sm); }
.card h3 { margin-bottom: .5rem; }
.steps { display: grid; gap: 1rem; }
.step { background: #fff; border-radius: var(--radius-md); border: 1px solid var(--color-border); padding: 1.2rem; }
.step span { width: 34px; height: 34px; display: inline-grid; place-items: center; background: var(--color-primary); color: #fff; border-radius: 50%; font-weight: 700; margin-bottom: .6rem; }
.faq-item { border: 1px solid var(--color-border); border-radius: var(--radius-md); background: #fff; overflow: hidden; }
.faq-question { width: 100%; border: 0; background: #fff; text-align: left; padding: 1rem 1rem; font-weight: 700; color: var(--color-text); cursor: pointer; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer p { padding: 0 1rem 1rem; color: var(--color-muted); }
.faq-item.open .faq-answer { max-height: 220px; }
.cta-box { background: linear-gradient(135deg, #0f2e87, #1f4fdc); color: #fff; border-radius: var(--radius-lg); padding: 2rem; text-align: center; box-shadow: var(--shadow-md); }
.cta-box p { margin: .8rem 0 1.2rem; opacity: .95; }
.form-card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 1.3rem; box-shadow: var(--shadow-sm); }
.form-grid { display: grid; gap: .9rem; }
label { font-weight: 700; font-size: .95rem; display: inline-block; margin-bottom: .35rem; }
input, textarea, select {
  width: 100%; border: 1px solid var(--color-border); border-radius: 10px; padding: .75rem .85rem;
  font: inherit; color: var(--color-text); background: #fff;
}
input:focus, textarea:focus, select:focus, .btn:focus, .faq-question:focus, .nav-toggle:focus {
  outline: 3px solid rgba(30,78,216,.22); outline-offset: 1px;
}
.field-error { color: var(--color-error); font-size: .86rem; margin-top: .25rem; }
.form-message { margin-top: 1rem; font-weight: 600; }
.form-message.success { color: var(--color-success); }
.form-message.error { color: var(--color-error); }
.legal-wrap { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 1.4rem; box-shadow: var(--shadow-sm); }
.legal-meta { color: var(--color-muted); margin-bottom: 1rem; }
.legal-toc { background: #f8faff; border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 1rem; margin: 1rem 0 1.4rem; }
.legal-toc ul { padding-left: 1.1rem; }
.legal-content section { margin-bottom: 1.5rem; }
.legal-content h2 { margin-bottom: .55rem; font-size: 1.16rem; }
.legal-content p, .legal-content li { color: #2d3a5b; }
.legal-content ul { padding-left: 1.2rem; }
.site-footer { background: #111b37; color: #d9e3ff; margin-top: 2rem; }
.footer-grid { display: grid; gap: 1.2rem; padding: 2rem 0; }
.footer-grid h3 { color: #fff; margin-bottom: .5rem; }
.footer-grid a { color: #c6d5ff; }
.footer-grid ul { list-style: none; display: grid; gap: .4rem; }
.footer-bottom { border-top: 1px solid rgba(217,227,255,.15); text-align: center; padding: .9rem; font-size: .93rem; }
.to-top {
  position: fixed; right: 1rem; bottom: 1rem; width: 42px; height: 42px; border-radius: 50%;
  border: 1px solid var(--color-border); background: #fff; cursor: pointer; box-shadow: var(--shadow-sm); display: none;
}
.to-top.show { display: inline-grid; place-items: center; }
.reveal { opacity: 0; transform: translateY(14px); transition: .5s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@media (min-width: 860px) {
  .nav-toggle { display: none; }
  .main-nav { display: flex !important; position: static; border: 0; padding: 0; flex-direction: row; align-items: center; gap: 1rem; }
  .hero-grid { grid-template-columns: 1.1fr .9fr; }
  .cards-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1.5fr 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
}