:root {
  --bg: #f5f7fb;
  --surface: #ffffff;
  --surface-alt: #eef3ff;
  --text: #1b2430;
  --muted: #5b6472;
  --primary: #0f4bcc;
  --primary-2: #1c74ff;
  --accent: #ff6a00;
  --success: #067647;
  --danger: #b42318;
  --border: #d7deea;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(16, 29, 61, 0.08);
  --shadow-soft: 0 6px 20px rgba(16, 29, 61, 0.06);
  --max: 1140px;
  --space: 1rem;
  --font: "Inter", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  background: linear-gradient(180deg, #f7f9ff 0%, #f2f5fb 100%);
  color: var(--text);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; border-radius: var(--radius); }
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.skip-link {
  position: absolute;
  left: -999px;
  top: -999px;
}
.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 1000;
  background: #fff;
  padding: .5rem .75rem;
  border-radius: .5rem;
}

.container { width: min(var(--max), 92%); margin: 0 auto; }
.section { padding: clamp(3rem, 5vw, 5.5rem) 0; }
.section-alt { background: var(--surface-alt); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .7rem; font-weight: 800; color: var(--text); }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--primary-2));
  color: #fff; display: grid; place-items: center; font-size: .9rem;
  box-shadow: var(--shadow-soft);
}

.main-nav { display: flex; align-items: center; gap: 1rem; }
.nav-link { color: var(--text); font-weight: 600; padding: .45rem .55rem; border-radius: 8px; }
.nav-link.active, .nav-link:hover { background: #edf2ff; text-decoration: none; }

.menu-toggle { display: none; background: transparent; border: 0; cursor: pointer; }
.menu-toggle span { display: block; width: 26px; height: 3px; background: var(--text); margin: 5px 0; border-radius: 3px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  border: 0; cursor: pointer; font-weight: 700;
  padding: .8rem 1.1rem; border-radius: 12px;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn:focus-visible, .nav-link:focus-visible, .faq-question:focus-visible, input:focus-visible, textarea:focus-visible {
  outline: 3px solid rgba(28,116,255,.25);
  outline-offset: 2px;
}
.btn-primary { background: linear-gradient(135deg, var(--primary), var(--primary-2)); color: #fff; box-shadow: var(--shadow-soft); }
.btn-secondary { background: #fff; color: var(--primary); border: 1px solid var(--border); }

.hero-grid { display: grid; gap: 2rem; align-items: center; }
.kicker { color: var(--primary); font-weight: 700; text-transform: uppercase; font-size: .78rem; letter-spacing: .08em; margin-bottom: .8rem; }
h1 { font-size: clamp(1.7rem, 4.2vw, 3rem); line-height: 1.15; margin-bottom: 1rem; }
.lead { color: var(--muted); font-size: 1.05rem; max-width: 60ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin: 1.2rem 0; }
.hero-badges { list-style: none; display: grid; gap: .5rem; color: var(--muted); }
.hero-badges li::before { content: "✓ "; color: var(--success); font-weight: 700; }

.section-head { margin-bottom: 1.6rem; }
.section-head h2 { font-size: clamp(1.35rem, 3vw, 2rem); margin-bottom: .45rem; }
.section-head p { color: var(--muted); }
.cards-grid { display: grid; gap: 1rem; }
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
  box-shadow: var(--shadow-soft);
}
.card h3 { margin-bottom: .5rem; }
.card p { color: var(--muted); }

.steps-list { list-style: none; display: grid; gap: .9rem; }
.steps-list li {
  background: #fff;
  border: 1px solid var(--border);
  padding: 1rem;
  border-radius: var(--radius-sm);
}

.faq-list { display: grid; gap: .8rem; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-sm); background: #fff; overflow: hidden; }
.faq-question {
  width: 100%; text-align: left; border: 0; background: #fff; padding: 1rem;
  font-weight: 700; cursor: pointer;
}
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer p { padding: 0 1rem 1rem; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 220px; }

.cta-band { background: linear-gradient(135deg, #0f4bcc, #2a7bff); color: #fff; }
.cta-wrap { text-align: center; }
.cta-wrap p { opacity: .95; margin: .5rem 0 1rem; }

.form-wrap {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.2rem;
}
.form-group { margin-bottom: .95rem; }
label { display: inline-block; margin-bottom: .4rem; font-weight: 600; }
input, textarea {
  width: 100%; padding: .78rem .85rem; border: 1px solid #cbd5e1; border-radius: 10px;
  font: inherit;
}
textarea { min-height: 140px; resize: vertical; }
.error { color: var(--danger); font-size: .88rem; margin-top: .3rem; }
.form-message { margin-top: .8rem; font-weight: 600; }
.form-message.success { color: var(--success); }
.form-message.error { color: var(--danger); }

.legal-layout { display: grid; gap: 1.2rem; }
.legal-nav {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1rem;
}
.legal-nav ul { list-style: none; display: grid; gap: .45rem; }
.legal-content {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: clamp(1rem, 2.5vw, 2rem);
}
.legal-content h1 { font-size: clamp(1.5rem, 4vw, 2.2rem); margin-bottom: .5rem; }
.legal-content h2 { margin: 1.2rem 0 .5rem; font-size: 1.15rem; }
.legal-content p, .legal-content li { color: #3e4756; }
.legal-content ul { padding-left: 1.1rem; }

.site-footer { background: #0e1525; color: #dbe3f6; margin-top: 2rem; }
.footer-grid { display: grid; gap: 1.4rem; padding: 2rem 0; }
.site-footer h3 { color: #fff; margin-bottom: .5rem; }
.site-footer a { color: #a9c4ff; }
.site-footer ul { list-style: none; display: grid; gap: .4rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: .8rem 0; font-size: .95rem; }

.back-to-top {
  position: fixed; right: 1rem; bottom: 1rem; width: 42px; height: 42px;
  border-radius: 50%; display: grid; place-items: center;
  background: var(--primary); color: #fff; box-shadow: var(--shadow-soft);
  opacity: 0; visibility: hidden; transition: .2s ease;
}
.back-to-top.visible { opacity: 1; visibility: visible; }

.reveal { opacity: 0; transform: translateY(12px); transition: .5s ease; }
.reveal.show { opacity: 1; transform: translateY(0); }

@media (min-width: 820px) {
  .hero-grid { grid-template-columns: 1.1fr .9fr; }
  .cards-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1.3fr .7fr; }
}

@media (max-width: 860px) {
  .menu-toggle { display: inline-block; }
  .main-nav {
    position: absolute; left: 0; right: 0; top: 76px;
    background: #fff; border-bottom: 1px solid var(--border);
    display: grid; gap: .35rem; padding: .8rem; 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; }
  .nav-cta { width: 100%; }
}

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