:root {
  --bg: #f7f9fc;
  --surface: #ffffff;
  --surface-2: #f0f4fa;
  --text: #172033;
  --muted: #5f6b82;
  --primary: #005bbb;
  --primary-2: #0a78e3;
  --accent: #f7b500;
  --border: #d8e1ef;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(16, 33, 61, 0.08);
  --maxw: 1120px;
  --space: clamp(1rem, 1.5vw, 1.4rem);
  --font: "Inter", "Segoe UI", Roboto, Arial, sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--text);
  background: linear-gradient(180deg, #f8fbff 0%, #f6f8fc 40%, #f3f6fb 100%);
  line-height: 1.65;
}
img { max-width: 100%; display: block; border-radius: var(--radius); }
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { width: min(100% - 2rem, var(--maxw)); margin-inline: auto; }
.section { padding: clamp(3rem, 7vw, 5rem) 0; }
.alt { background: var(--surface-2); }
.skip-link {
  position: absolute; left: -999px; top: 0; background: #111; color: #fff;
  padding: .6rem .8rem; z-index: 1000;
}
.skip-link:focus { left: .5rem; top: .5rem; }
.site-header {
  position: sticky; top: 0; z-index: 999;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 1rem; }
.brand { display: flex; align-items: center; gap: .65rem; font-weight: 800; color: var(--text); }
.brand-mark {
  width: 38px; height: 38px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--primary-2));
  color: #fff; display: grid; place-items: center; font-size: .82rem;
}
.brand-text { font-size: .9rem; }
.menu { display: flex; align-items: center; gap: 1rem; }
.menu a { font-weight: 600; color: var(--text); }
.menu a.active { color: var(--primary); }
.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: 4px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--primary), var(--primary-2)); color: #fff;
  border: 0; border-radius: 999px; padding: .85rem 1.25rem; font-weight: 700;
  box-shadow: var(--shadow); transition: transform .2s ease, filter .2s ease;
}
.btn:hover { transform: translateY(-2px); filter: brightness(1.03); text-decoration: none; }
.btn:focus-visible, input:focus-visible, textarea:focus-visible, button:focus-visible {
  outline: 3px solid rgba(10,120,227,.35); outline-offset: 2px;
}
.btn-outline { background: #fff; color: var(--primary); border: 1px solid var(--primary); box-shadow: none; }
.btn-sm { padding: .65rem 1rem; font-size: .9rem; }
.hero-grid { display: grid; gap: 2rem; align-items: center; }
.eyebrow { color: var(--primary); font-weight: 700; margin-bottom: .8rem; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); line-height: 1.15; margin-bottom: 1rem; }
h2 { font-size: clamp(1.45rem, 3.2vw, 2.2rem); margin-bottom: .8rem; }
h3 { font-size: 1.1rem; margin-bottom: .5rem; }
.lead { color: var(--muted); max-width: 62ch; }
.hero-actions { margin-top: 1.2rem; display: flex; flex-wrap: wrap; gap: .8rem; }
.quick-info { margin-top: 1rem; list-style: none; display: grid; gap: .35rem; color: var(--muted); }
.section-head { margin-bottom: 1.25rem; }
.section-head p { color: var(--muted); }
.cards { display: grid; gap: 1rem; }
.card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 1.2rem; box-shadow: var(--shadow);
}
.two-cols { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.three-cols { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.steps { list-style: none; display: grid; gap: .9rem; margin: 1rem 0 1.2rem; }
.steps li { display: flex; gap: .9rem; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: .9rem; }
.steps span { width: 30px; height: 30px; border-radius: 50%; background: var(--accent); display: grid; place-items: center; font-weight: 800; }
.faq { display: grid; gap: .75rem; }
.faq-item { border: 1px solid var(--border); background: var(--surface); border-radius: var(--radius-sm); overflow: hidden; }
.faq-question { width: 100%; text-align: left; padding: 1rem; background: transparent; border: 0; font: inherit; font-weight: 700; cursor: pointer; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-answer p { padding: 0 1rem 1rem; color: var(--muted); }
.site-footer { background: #0f1b30; color: #d7e3fb; padding-top: 2rem; }
.footer-grid { display: grid; gap: 1.2rem; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.site-footer h3 { color: #fff; }
.site-footer a { color: #c5dbff; }
.site-footer ul { list-style: none; display: grid; gap: .4rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.15); margin-top: 1.2rem; padding: 1rem 0; font-size: .95rem; }
.form-wrap { background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); border-radius: var(--radius); padding: 1rem; }
form { display: grid; gap: .9rem; }
label { font-weight: 600; }
input, textarea {
  width: 100%; margin-top: .3rem; border: 1px solid var(--border); border-radius: 10px;
  padding: .8rem .85rem; font: inherit; background: #fff;
}
textarea { min-height: 130px; resize: vertical; }
.form-msg { font-size: .95rem; }
.form-msg.error { color: #b42318; }
.form-msg.success { color: #067647; }
.legal-layout { display: grid; gap: 1.2rem; }
.legal-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.1rem; box-shadow: var(--shadow); }
.legal-card h2 { margin-top: .5rem; }
.legal-card p, .legal-card li { color: #2b3550; }
.legal-card ul { padding-left: 1.2rem; display: grid; gap: .35rem; }
.back-to-top {
  position: fixed; right: 1rem; bottom: 1rem; width: 44px; height: 44px; border: 0; border-radius: 50%;
  background: var(--primary); color: #fff; font-size: 1.2rem; cursor: pointer; box-shadow: var(--shadow);
  opacity: 0; visibility: hidden; transform: translateY(8px); transition: .25s ease;
}
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .55s ease, transform .55s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@media (max-width: 920px) {
  .menu-toggle { display: block; }
  .menu {
    position: absolute; top: 76px; right: 1rem; left: 1rem; background: #fff;
    border: 1px solid var(--border); border-radius: var(--radius-sm); padding: .8rem;
    display: none; flex-direction: column; align-items: stretch;
  }
  .menu.open { display: flex; }
}
@media (min-width: 901px) {
  .hero-grid { grid-template-columns: 1.1fr .9fr; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}