:root {
  --bg: #f6f8fc;
  --surface: #ffffff;
  --surface-alt: #f0f4ff;
  --text: #101828;
  --muted: #475467;
  --primary: #0f4cc9;
  --primary-2: #1d72f2;
  --accent: #0a2f7a;
  --border: #d9e2f2;
  --success: #0f9d58;
  --danger: #c62828;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(16, 24, 40, 0.08);
  --shadow-soft: 0 6px 18px rgba(16, 24, 40, 0.06);
  --max: 1120px;
  --space: clamp(16px, 2.5vw, 28px);
  --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);
  color: var(--text);
  background: linear-gradient(180deg, #f9fbff 0%, #f4f7fb 100%);
  line-height: 1.6;
}
img { max-width: 100%; display: block; border-radius: var(--radius); }
a { color: inherit; text-decoration: none; }

.skip-link {
  position: absolute; left: -999px; top: 10px; background: #000; color: #fff; padding: 10px 14px; z-index: 1000;
}
.skip-link:focus { left: 10px; }

.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.narrow { max-width: 840px; }
.section { padding: clamp(52px, 9vw, 90px) 0; }
.section-alt { background: var(--surface-alt); }
.section-head { margin-bottom: 28px; }
.section-head h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: 10px; }
.section-head p { color: var(--muted); }

.site-header {
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(10px);
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid var(--border);
}
.nav-wrapper { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 11px;
  background: linear-gradient(135deg, var(--primary), var(--primary-2)); color: #fff;
  display: grid; place-items: center; font-size: .9rem;
}
.brand-text { font-size: .87rem; }
.main-nav { display: flex; align-items: center; gap: 18px; }
.main-nav a { color: var(--muted); font-weight: 600; padding: 8px 10px; border-radius: 10px; }
.main-nav a:hover, .main-nav a:focus-visible, .main-nav a.active { color: var(--primary); background: #eaf1ff; }

.nav-toggle { display: none; background: transparent; border: 0; width: 44px; height: 44px; }
.nav-toggle span { display: block; width: 24px; height: 2px; margin: 5px auto; background: #25324b; }

.hero-grid { display: grid; gap: 28px; align-items: center; }
.eyebrow { color: var(--primary); font-weight: 700; letter-spacing: .06em; text-transform: uppercase; font-size: .78rem; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); line-height: 1.2; margin: 12px 0; }
.lead { color: var(--muted); }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin: 22px 0; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 18px; border-radius: 12px; border: 1px solid transparent;
  background: linear-gradient(135deg, var(--primary), var(--primary-2)); color: #fff; font-weight: 700;
  box-shadow: var(--shadow-soft); transition: transform .25s ease, box-shadow .25s ease, opacity .25s ease;
}
.btn:hover, .btn:focus-visible { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-ghost { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-sm { padding: 10px 14px; font-size: .9rem; }

.trust-list { list-style: none; display: grid; gap: 8px; color: var(--muted); }
.trust-list li::before { content: "✓ "; color: var(--success); font-weight: 700; }

.cards-grid, .service-grid, .steps-grid {
  display: grid; gap: 16px;
}
.card, .service-card, .step-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 20px; box-shadow: var(--shadow-soft);
}
.card h3, .service-card h3, .step-card h3 { margin-bottom: 8px; font-size: 1.1rem; }
.card p, .service-card p, .step-card p { color: var(--muted); }
.step-card span {
  width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center;
  background: #eaf1ff; color: var(--primary); font-weight: 800; margin-bottom: 10px;
}

.faq-item { border: 1px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; background: var(--surface); margin-bottom: 10px; }
.faq-question {
  width: 100%; text-align: left; border: 0; background: transparent; color: var(--text);
  padding: 16px; font-weight: 700; cursor: pointer;
}
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer p { padding: 0 16px 16px; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 220px; }

.form-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.form-grid { display: grid; gap: 14px; }
label { font-weight: 600; display: inline-block; margin-bottom: 6px; }
input, textarea {
  width: 100%; border: 1px solid #cfd8ea; border-radius: 10px; padding: 12px;
  font: inherit; color: var(--text); background: #fff;
}
textarea { min-height: 120px; resize: vertical; }
input:focus, textarea:focus, button:focus-visible, a:focus-visible { outline: 2px solid #95b8ff; outline-offset: 1px; }
.error-msg { color: var(--danger); font-size: .9rem; }
.success-msg { color: var(--success); font-weight: 600; margin-top: 10px; }

.legal-layout { display: grid; gap: 26px; }
.legal-box {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: clamp(18px, 3vw, 28px); box-shadow: var(--shadow-soft);
}
.legal-box h1 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 10px; }
.legal-box h2 { margin-top: 22px; margin-bottom: 8px; font-size: 1.22rem; }
.legal-box p, .legal-box li { color: var(--muted); }
.legal-box ul { padding-left: 20px; display: grid; gap: 6px; }
.legal-meta { color: #344054; font-size: .95rem; background: #eef4ff; border: 1px solid #d9e6ff; padding: 10px 12px; border-radius: 10px; }

.site-footer { background: #0e1c36; color: #e6ecfa; margin-top: 40px; }
.footer-grid { display: grid; gap: 20px; padding: 36px 0; }
.site-footer h2 { font-size: 1rem; margin-bottom: 8px; }
.site-footer p { color: #c8d4ee; margin-bottom: 6px; }
.site-footer a { color: #f2f6ff; }
.footer-nav { display: grid; gap: 8px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.15); text-align: center; padding: 14px; font-size: .92rem; color: #c7d2eb; }

.to-top {
  position: fixed; right: 14px; bottom: 14px; width: 44px; height: 44px; border: 0; border-radius: 50%;
  background: var(--accent); color: #fff; font-size: 1.15rem; cursor: pointer; opacity: 0; pointer-events: none;
  transition: opacity .25s ease, transform .25s ease;
}
.to-top.show { opacity: 1; pointer-events: auto; }

.reveal { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (min-width: 780px) {
  .hero-grid { grid-template-columns: 1.1fr .9fr; }
  .cards-grid { grid-template-columns: repeat(3, 1fr); }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(4, 1fr); }
  .footer-grid { grid-template-columns: 1.4fr .8fr; }
}

@media (max-width: 920px) {
  .nav-toggle { display: inline-block; }
  .main-nav {
    position: absolute; top: 74px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--border);
    padding: 12px; display: none; flex-direction: column; align-items: stretch;
  }
  .main-nav.open { display: flex; }
}

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