:root {
  --ink: #0a2239;
  --ink-soft: #435264;
  --muted: #657386;
  --line: #dfe6ee;
  --paper: #ffffff;
  --cream: #f6f3ec;
  --mist: #eef5f6;
  --teal: #0e4b5a;
  --gold: #c8a45d;
  --danger: #8a3a2b;
  --success: #176b4d;
  --shadow: 0 18px 50px rgba(10, 34, 57, .12);
  --radius: 22px;
  --max: 1160px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(var(--max), calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: absolute; left: -999px; top: 12px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 10px; z-index: 50; }
.skip-link:focus { left: 12px; }
.header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(223,230,238,.8);
}
.nav { height: 84px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo-link { display: inline-flex; align-items: center; }
.logo { width: 250px; height: auto; }
.nav-links { display: flex; align-items: center; gap: 24px; font-size: 15px; color: var(--ink-soft); }
.nav-links a:hover { color: var(--teal); }
.nav-cta { background: var(--ink); color: #fff !important; padding: 11px 17px; border-radius: 999px; box-shadow: 0 10px 26px rgba(10,34,57,.14); }
.menu-btn { display: none; border: 0; background: var(--mist); color: var(--ink); padding: 10px 12px; border-radius: 12px; font-weight: 700; }
.hero { background: radial-gradient(circle at 80% 10%, rgba(200,164,93,.18), transparent 30%), linear-gradient(135deg, #f9fbfc 0%, #f6f3ec 100%); padding: 86px 0 70px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.04fr .96fr; gap: 56px; align-items: center; }
.eyebrow { display: inline-flex; gap: 8px; align-items: center; color: var(--teal); background: rgba(14,75,90,.08); border: 1px solid rgba(14,75,90,.14); padding: 8px 12px; border-radius: 999px; font-weight: 800; font-size: 13px; letter-spacing: .02em; }
h1 { font-size: clamp(42px, 5.2vw, 72px); line-height: 1.02; margin: 22px 0 20px; letter-spacing: -0.055em; }
.lead { font-size: clamp(18px, 1.7vw, 22px); color: var(--ink-soft); margin: 0 0 28px; max-width: 680px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-top: 30px; }
.btn { display: inline-flex; justify-content: center; align-items: center; gap: 8px; border-radius: 999px; padding: 13px 20px; font-weight: 800; border: 1px solid transparent; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--teal); color: #fff; box-shadow: 0 14px 34px rgba(14,75,90,.22); }
.btn-secondary { background: #fff; color: var(--ink); border-color: var(--line); }
.hero-card { background: rgba(255,255,255,.78); border: 1px solid rgba(223,230,238,.86); border-radius: 34px; box-shadow: var(--shadow); padding: 28px; position: relative; }
.hero-card::before { content: ""; position: absolute; inset: -1px; border-radius: 34px; pointer-events: none; background: linear-gradient(135deg, rgba(200,164,93,.36), transparent 36%, rgba(14,75,90,.22)); mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); mask-composite: exclude; padding: 1px; }
.panel-title { display: flex; justify-content: space-between; gap: 16px; align-items: center; margin-bottom: 20px; }
.panel-title h2 { margin: 0; font-size: 24px; letter-spacing: -.03em; }
.status { font-size: 13px; font-weight: 800; color: var(--success); background: rgba(23,107,77,.09); padding: 7px 10px; border-radius: 999px; white-space: nowrap; }
.checklist { display: grid; gap: 13px; margin: 0; padding: 0; list-style: none; }
.checklist li { display: grid; grid-template-columns: 26px 1fr; gap: 12px; align-items: start; background: #fff; border: 1px solid var(--line); padding: 14px; border-radius: 16px; }
.tick { width: 26px; height: 26px; border-radius: 999px; background: rgba(200,164,93,.18); color: var(--teal); display: inline-flex; align-items: center; justify-content: center; font-weight: 900; }
.trust-strip { padding: 20px 0; border-bottom: 1px solid var(--line); background: #fff; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.trust-item { color: var(--muted); font-size: 14px; display: flex; gap: 10px; align-items: center; }
.dot { width: 9px; height: 9px; border-radius: 999px; background: var(--gold); flex: 0 0 auto; }
section { padding: 84px 0; }
.section-head { max-width: 760px; margin-bottom: 34px; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.kicker { color: var(--teal); font-weight: 900; letter-spacing: .08em; font-size: 13px; text-transform: uppercase; }
h2 { font-size: clamp(32px, 4vw, 48px); line-height: 1.08; letter-spacing: -.045em; margin: 10px 0 14px; }
.section-head p, .card p, .step p, .faq p, .policy p, .contact-copy p { color: var(--ink-soft); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; min-height: 245px; box-shadow: 0 10px 30px rgba(10,34,57,.05); }
.card h3 { font-size: 22px; letter-spacing: -.025em; margin: 12px 0 10px; }
.icon { width: 42px; height: 42px; border-radius: 14px; background: var(--mist); display: inline-flex; align-items: center; justify-content: center; color: var(--teal); font-weight: 900; }
.split { background: var(--ink); color: #fff; }
.split .section-head p, .split .step p { color: rgba(255,255,255,.72); }
.split-grid { display: grid; grid-template-columns: .86fr 1.14fr; gap: 50px; align-items: start; }
.steps { display: grid; gap: 14px; counter-reset: steps; }
.step { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; padding: 22px; display: grid; grid-template-columns: 52px 1fr; gap: 18px; }
.step::before { counter-increment: steps; content: counter(steps, decimal-leading-zero); width: 52px; height: 52px; background: var(--gold); color: var(--ink); border-radius: 16px; display: inline-flex; align-items: center; justify-content: center; font-weight: 900; }
.step h3 { margin: 0 0 6px; font-size: 20px; }
.step p { margin: 0; }
.boundary { background: var(--cream); }
.boundary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-items: stretch; }
.policy { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 26px; }
.policy h3 { font-size: 22px; margin: 0 0 14px; }
.policy ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 10px; }
.policy li { display: grid; grid-template-columns: 22px 1fr; gap: 10px; color: var(--ink-soft); }
.policy .yes { color: var(--success); font-weight: 900; }
.policy .no { color: var(--danger); font-weight: 900; }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.faq { border: 1px solid var(--line); border-radius: 18px; padding: 22px; background: #fff; }
.faq h3 { margin: 0 0 8px; font-size: 19px; }
.faq p { margin: 0; }
.contact { background: linear-gradient(180deg, #fff, var(--mist)); }
.contact-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 44px; align-items: start; }
.contact-copy { position: sticky; top: 110px; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 28px; padding: 26px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
label { font-weight: 800; font-size: 14px; }
input, textarea, select { width: 100%; border: 1px solid #cdd7e2; border-radius: 14px; padding: 13px 14px; font: inherit; color: var(--ink); background: #fff; }
textarea { min-height: 134px; resize: vertical; }
input:focus, textarea:focus, select:focus { outline: 3px solid rgba(14,75,90,.16); border-color: var(--teal); }
.form-note { color: var(--muted); font-size: 13px; margin: 12px 0 0; }
.form-status { margin-top: 14px; padding: 12px 14px; border-radius: 14px; display: none; }
.form-status.ok { display: block; background: rgba(23,107,77,.1); color: var(--success); }
.form-status.err { display: block; background: rgba(138,58,43,.1); color: var(--danger); }
.footer { background: var(--ink); color: #fff; padding: 44px 0; }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: center; }
.footer img { width: 220px; filter: brightness(0) invert(1); }
.footer p { color: rgba(255,255,255,.68); margin: 10px 0 0; }
.footer-links { display: flex; justify-content: flex-end; flex-wrap: wrap; gap: 18px; color: rgba(255,255,255,.78); font-size: 14px; }
.legal-page { padding: 70px 0; background: #fff; }
.legal-wrap { max-width: 880px; }
.legal-wrap h1 { font-size: clamp(36px, 4vw, 54px); }
.legal-wrap h2 { font-size: 28px; margin-top: 34px; }
.legal-wrap p, .legal-wrap li { color: var(--ink-soft); }
@media (max-width: 980px) {
  .hero-grid, .split-grid, .contact-grid, .boundary-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .contact-copy { position: static; }
}
@media (max-width: 760px) {
  .container { width: min(var(--max), calc(100% - 28px)); }
  .nav { height: 74px; }
  .logo { width: 208px; }
  .menu-btn { display: inline-flex; }
  .nav-links { display: none; position: absolute; left: 14px; right: 14px; top: 78px; background: #fff; border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); padding: 18px; flex-direction: column; align-items: stretch; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 8px 4px; }
  .nav-cta { text-align: center; }
  .hero { padding-top: 54px; }
  section { padding: 62px 0; }
  .cards, .faq-grid, .trust-grid, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .footer-links { justify-content: flex-start; }
  .hero-actions .btn { width: 100%; }
}

.contact-details {
  margin-top: 24px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
  box-shadow: var(--shadow-soft);
}
.contact-details p {
  margin: 0 0 10px;
  color: var(--ink-soft);
}
.contact-details p:last-child { margin-bottom: 0; }
.contact-details a, .footer a { color: inherit; }