:root {
  --ink: #0d1b2e;
  --ink-soft: #3c4a5f;
  --muted: #6b7a90;
  --line: #dfe5ee;
  --bg: #ffffff;
  --bg-alt: #f4f7fb;
  --navy: #0f2a4a;
  --navy-deep: #0a1d35;
  --accent: #1f6feb;
  --accent-dark: #1557c0;
  --amber: #f5b301;
  --radius: 16px;
  --shadow: 0 18px 40px -18px rgba(13, 27, 46, .28);
  --font-head: "Sora", system-ui, sans-serif;
  --font-body: "DM Sans", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--accent); }
h1, h2, h3 { font-family: var(--font-head); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.02em; }
p { margin: 0 0 1em; }

.container { width: min(1160px, 100% - 32px); margin-inline: auto; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 16px; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-family: var(--font-head); font-weight: 700; font-size: 18px; letter-spacing: -.01em; }
.brand-logo { width: 44px; height: 44px; flex-shrink: 0; }
.brand b { color: #d0353f; font-weight: 700; }
.brand-footer b { color: #ff6b73; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { color: var(--ink-soft); text-decoration: none; font-weight: 500; font-size: 15px; }
.nav a:hover { color: var(--ink); }
.nav a.btn-primary { color: #fff; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 10px; width: 44px; height: 44px; cursor: pointer; }
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--ink); margin: 4px auto; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 24px; border-radius: 12px; font-weight: 600; font-size: 16px; text-decoration: none; border: 0; cursor: pointer; font-family: inherit; transition: background .15s, transform .15s; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-ghost { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.35); }
.btn-ghost:hover { background: rgba(255,255,255,.08); }
.btn-sm { padding: 10px 18px; font-size: 15px; }

/* Hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #1d4f8a 0%, transparent 60%), var(--navy-deep); color: #fff; padding: 88px 0 96px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: #9cc3ff; margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--amber); }
.hero h1 { font-size: clamp(36px, 5.2vw, 58px); color: #fff; }
.hero h1 em { font-style: normal; color: var(--amber); }
.hero-lead { font-size: 19px; color: #c9d6e8; max-width: 560px; margin-bottom: 28px; }
.hero-points { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; color: #dbe6f5; font-size: 15px; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.hero-points li::before { content: "✓"; color: var(--amber); font-weight: 700; }

.quote-card { background: #fff; color: var(--ink); border-radius: 20px; padding: 32px; box-shadow: 0 30px 60px -20px rgba(0,0,0,.5); }
.quote-card h2 { font-size: 24px; }
.quote-card p { color: var(--muted); font-size: 15px; }
.quote-card .btn { width: 100%; }
.card-note { font-size: 12.5px !important; line-height: 1.5; margin: 14px 0 0 !important; }
.call-line { display: none; text-align: center; margin-top: 14px; font-size: 15px; color: var(--ink-soft); }
.call-line.show { display: block; }
.call-line a { font-weight: 700; text-decoration: none; }

/* Sections */
section { scroll-margin-top: 80px; }
.section { padding: 96px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-tag { font-size: 14px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.section-head h2 { font-size: clamp(28px, 3.6vw, 42px); }
.section-head p { color: var(--ink-soft); font-size: 18px; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; position: relative; }
.step::before { counter-increment: step; content: "0" counter(step); font-family: var(--font-head); font-weight: 700; font-size: 14px; color: var(--accent); background: #e8f0fe; border-radius: 8px; padding: 4px 10px; display: inline-block; margin-bottom: 16px; }
.step h3 { font-size: 20px; }
.step p { color: var(--ink-soft); margin: 0; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card-icon { width: 48px; height: 48px; border-radius: 12px; background: #e8f0fe; display: grid; place-items: center; margin-bottom: 18px; color: var(--accent); }
.card-icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 19px; }
.card p { color: var(--ink-soft); margin: 0; font-size: 16px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.factor-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.factor-list li { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; }
.factor-list strong { display: block; font-size: 16px; }
.factor-list span { color: var(--ink-soft); font-size: 15px; }
.factor-dot { flex-shrink: 0; width: 10px; height: 10px; border-radius: 50%; background: var(--amber); margin-top: 8px; }
.tip-box { background: var(--navy); color: #dbe6f5; border-radius: 20px; padding: 36px; }
.tip-box h3 { color: #fff; font-size: 22px; }
.tip-box ol { margin: 0; padding-left: 20px; display: grid; gap: 12px; }
.tip-box li::marker { color: var(--amber); font-weight: 700; }

/* FAQ */
.faq { max-width: 820px; }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { cursor: pointer; list-style: none; font-family: var(--font-head); font-weight: 600; font-size: 18px; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--accent); font-size: 24px; line-height: 1; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--ink-soft); margin: 12px 0 0; }

/* CTA band */
.cta-band { background: var(--accent); color: #fff; border-radius: 24px; padding: 56px; display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; font-size: clamp(26px, 3vw, 36px); margin: 0 0 6px; }
.cta-band p { color: #dbe8ff; margin: 0; }
.cta-band .btn { background: #fff; color: var(--accent-dark); }
.cta-band .btn:hover { background: #eef4ff; }

/* Transparency notice */
.notice { border: 1px solid var(--line); border-left: 4px solid var(--amber); border-radius: 12px; background: #fff; padding: 24px 28px; color: var(--ink-soft); font-size: 15px; }
.notice strong { color: var(--ink); }
.notice p:last-child { margin: 0; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #a9b8cc; font-size: 15px; }
.footer-main { padding: 64px 0 40px; display: grid; grid-template-columns: 1fr 1.4fr; gap: 24px 56px; }
.brand-footer { color: #fff; margin-bottom: 14px; }
.brand-footer .brand-logo { width: 52px; height: 52px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 16px; }
.footer-links a, .footer-legal a { color: #dbe6f5; text-decoration: none; }
.footer-links a:hover, .footer-legal a:hover { color: #fff; text-decoration: underline; }
.footer-disclosure { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: 16px; padding: 24px; }
.footer-disclosure strong { color: #fff; display: block; margin-bottom: 8px; font-family: var(--font-head); }
.footer-disclosure p { font-size: 14px; line-height: 1.65; }
.footer-disclosure a { color: #9cc3ff; font-weight: 600; text-decoration: none; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); padding: 22px 0 32px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 14px; }
.footer-legal p { margin: 0; }
.footer-legal div { display: flex; gap: 20px; flex-wrap: wrap; }

/* Legal pages */
.legal-main { padding: 64px 0 96px; background: var(--bg-alt); }
.legal-wrap { width: min(820px, 100% - 32px); margin-inline: auto; background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: clamp(28px, 5vw, 56px); }
.legal-back { display: inline-block; font-weight: 600; text-decoration: none; margin-bottom: 24px; font-size: 15px; }
.legal-wrap h1 { font-size: clamp(32px, 4vw, 44px); }
.legal-updated { color: var(--muted); font-size: 15px; margin-bottom: 32px; }
.legal-content h2 { font-size: 21px; margin-top: 32px; }
.legal-content p, .legal-content li { color: var(--ink-soft); }
.legal-content ul { padding-left: 22px; display: grid; gap: 6px; }

.contact-page-main { padding: 88px 0 112px; background: var(--bg-alt); }
.contact-page-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.contact-page-grid h1 { font-size: clamp(36px, 5vw, 56px); }
.contact-page-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 40px; box-shadow: var(--shadow); }
.contact-page-card h2 { font-size: 24px; }
.contact-page-card p { color: var(--ink-soft); }
.email-link { display: inline-block; font-weight: 700; font-size: 19px; text-decoration: none; margin: 8px 0 24px; word-break: break-all; }
.contact-meta { border-top: 1px solid var(--line); padding-top: 18px; display: flex; justify-content: space-between; gap: 12px; font-size: 15px; }
.contact-meta span { color: var(--ink-soft); }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .split, .footer-main, .contact-page-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .nav-toggle { display: block; }
  .nav { display: none; position: absolute; top: 72px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px; border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 12px; border: 0; }
  .hero { padding: 56px 0 64px; }
  .section { padding: 64px 0; }
  .cards { grid-template-columns: 1fr; }
  .quote-card, .tip-box { padding: 24px; }
  .cta-band { padding: 32px 24px; }
  .contact-page-card { padding: 28px 22px; }
}