:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-2: #eef4f8;
  --surface-3: #f8fbfd;
  --text: #16314a;
  --muted: #62788b;
  --primary: #0f2740;
  --primary-2: #0b6d7b;
  --accent: #d9eef1;
  --border: #d7e2ea;
  --shadow: 0 20px 45px rgba(15, 39, 64, 0.08);
  --shadow-soft: 0 10px 30px rgba(15, 39, 64, 0.06);
  --radius: 22px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background:
    radial-gradient(circle at top left, rgba(11,109,123,0.08), transparent 28%),
    linear-gradient(180deg, #f9fbfd 0%, var(--bg) 100%);
  color: var(--text);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(1140px, calc(100% - 32px)); margin: 0 auto; }
.narrow { width: min(820px, calc(100% - 32px)); }
.topbar {
  background: linear-gradient(90deg, var(--primary), #19496a);
  color: #fff;
  font-size: 14px;
}
.topbar-inner, .nav, .footer-grid, .footer-bottom { display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.topbar a { color: #dcecf3; margin-left: 16px; }
.header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(249, 251, 253, 0.9);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(215, 226, 234, 0.85);
}
.nav { min-height: 80px; }
.nav nav { display: flex; flex-wrap: wrap; gap: 18px; }
.nav nav a { color: var(--muted); font-weight: 700; }
.brand { display: inline-flex; align-items: center; gap: 12px; font-weight: 800; font-size: 1.05rem; }
.brand img { width: 42px; height: 42px; }
.hero { padding: 76px 0 38px; }
.hero-grid, .contact-grid, .faq-grid, .trust-grid, .two-column { display: grid; gap: 28px; }
.hero-grid { grid-template-columns: 1.15fr 0.85fr; align-items: center; }
.hero-panel { display: grid; gap: 18px; }
.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  padding: 8px 14px;
  border-radius: 999px;
  background: var(--accent);
  color: var(--primary-2);
  font-weight: 700;
  font-size: 14px;
}
h1, h2, h3 { line-height: 1.18; margin: 0 0 14px; }
h1 { font-size: clamp(2.3rem, 4.6vw, 4.3rem); max-width: 12ch; }
h2 { font-size: clamp(1.8rem, 3vw, 2.8rem); }
h3 { font-size: 1.22rem; }
.lead { font-size: 1.1rem; color: var(--muted); max-width: 64ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 28px 0 22px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 24px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  transition: transform .18s ease, box-shadow .18s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: linear-gradient(135deg, var(--primary), #194c72); color: #fff; box-shadow: var(--shadow-soft); }
.btn-secondary { background: rgba(255,255,255,0.9); border-color: var(--border); }
.checklist, .contact-list, .feature-list { padding-left: 18px; color: var(--muted); }
.hero-card, .card, .contact-card, .legal-page, .steps article, .faq-list details, .content-card {
  background: rgba(255,255,255,0.96);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card { padding: 26px; }
.highlight-card {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbfd 100%);
}
.notice {
  padding: 16px 18px;
  background: #f7fbfd;
  border: 1px solid #d9e9ef;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.section { padding: 74px 0; }
.muted { background: linear-gradient(180deg, #eef4f8 0%, #f6f9fc 100%); }
.soft-section { background: transparent; }
.section-heading { max-width: 800px; margin-bottom: 30px; }
.section-heading > p { color: var(--muted); }
.quick-info { padding: 18px 0 26px; }
.info-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.info-strip article, .content-block {
  background: rgba(255,255,255,0.9);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 20px 22px;
  box-shadow: var(--shadow-soft);
}
.info-label {
  display: inline-block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .03em;
  text-transform: uppercase;
  color: var(--primary-2);
  margin-bottom: 8px;
}
.info-strip p { margin: 0; font-weight: 700; }
.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}
.cards-large .card { min-height: 100%; }
.card { padding: 28px; }
.card p, .content-card p { color: var(--muted); }
.two-column { grid-template-columns: 1fr 1fr; align-items: start; }
.content-card { padding: 26px; }
.mini-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 18px;
}
.mini-grid div {
  padding: 18px;
  border-radius: 16px;
  background: var(--surface-3);
  border: 1px solid var(--border);
}
.accent { background: linear-gradient(135deg, var(--primary), #184c6a); color: #fff; }
.section-heading-light .eyebrow { background: rgba(255,255,255,.14); color: #fff; }
.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}
.steps article { padding: 28px; color: var(--text); }
.steps span {
  display: inline-flex;
  width: 44px; height: 44px;
  border-radius: 50%;
  align-items: center; justify-content: center;
  background: #dff0f4;
  color: var(--primary-2);
  font-weight: 800;
  margin-bottom: 14px;
}
.faq-grid { grid-template-columns: 0.9fr 1.1fr; align-items: start; }
.faq-list { display: grid; gap: 16px; }
.faq-list details { padding: 18px 20px; }
.faq-list summary { cursor: pointer; font-weight: 800; }
.contact-grid { grid-template-columns: 0.92fr 1.08fr; align-items: start; }
.contact-card { padding: 26px; }
.contact-card label { display: block; font-weight: 800; margin-bottom: 14px; }
.contact-card input, .contact-card textarea {
  width: 100%;
  margin-top: 8px;
  padding: 14px 16px;
  border-radius: 14px;
  border: 1px solid var(--border);
  font: inherit;
  background: #fff;
}
.form-note { color: var(--muted); font-size: 14px; }
.footer { background: #fff; border-top: 1px solid var(--border); padding-top: 30px; }
.footer-grid { padding-bottom: 18px; }
.footer nav { display: flex; flex-wrap: wrap; gap: 16px; }
.footer-bottom { padding: 14px 0 28px; border-top: 1px solid var(--border); color: var(--muted); }
.brand-footer { margin-bottom: 12px; }
.legal-page {
  margin: 40px auto;
  padding: 34px;
}
.back-link { display: inline-block; margin-bottom: 18px; color: var(--primary-2); font-weight: 800; }

@media (max-width: 900px) {
  .hero-grid, .faq-grid, .contact-grid, .cards, .steps, .trust-grid, .two-column, .info-strip, .mini-grid { grid-template-columns: 1fr; }
  .topbar-inner, .nav, .footer-grid, .footer-bottom { flex-direction: column; align-items: flex-start; }
  .nav nav { gap: 12px; }
  h1 { max-width: none; }
}