:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --text: #142033;
  --muted: #5f6d84;
  --line: #dbe3ef;
  --primary: #103d89;
  --primary-dark: #0a2f6f;
  --accent: #1c6cf0;
  --shadow: 0 18px 45px rgba(16, 43, 90, 0.10);
  --radius: 24px;
  --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", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
p { margin: 0 0 1rem; }
h1, h2, h3, h4 { line-height: 1.15; margin: 0 0 1rem; }
h1 { font-size: clamp(2.4rem, 4vw, 4.5rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.8rem, 3vw, 2.8rem); letter-spacing: -0.02em; }
h3 { font-size: 1.25rem; }
.container { width: min(calc(100% - 2rem), var(--max)); margin: 0 auto; }
.narrow { width: min(calc(100% - 2rem), 820px); margin: 0 auto; }
.site-header {
  position: sticky; top: 0; z-index: 30;
  backdrop-filter: blur(14px);
  background: rgba(244,247,251,.82);
  border-bottom: 1px solid rgba(219,227,239,.7);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 78px; gap: 1rem; }
.logo { font-weight: 800; letter-spacing: -0.02em; font-size: 1.2rem; }
.site-nav { display: flex; align-items: center; gap: 1rem; }
.site-nav a { color: var(--muted); font-weight: 600; }
.site-nav a.active, .site-nav a:hover { color: var(--text); }
.menu-toggle {
  display: none; border: 1px solid var(--line); background: var(--surface); border-radius: 14px; padding: .65rem .8rem; font-size: 1.1rem;
}
.hero {
  padding: 5rem 0 4rem;
  background: radial-gradient(circle at top right, rgba(28,108,240,.12), transparent 28%), linear-gradient(180deg, #f8fbff 0%, #f4f7fb 100%);
}
.hero-grid, .split, .form-layout { display: grid; gap: 2rem; align-items: center; }
.hero-grid { grid-template-columns: 1.2fr .85fr; }
.lead { font-size: 1.12rem; color: var(--muted); max-width: 720px; }
.eyebrow {
  display: inline-block; margin-bottom: 1rem; font-size: .85rem; font-weight: 800; text-transform: uppercase; letter-spacing: .12em;
  color: var(--accent);
}
.eyebrow.light { color: #dfeaff; }
.hero-actions, .cta-wrap { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; }
.hero-points { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }
.hero-points span {
  background: rgba(16,61,137,.08); color: var(--primary); border: 1px solid rgba(16,61,137,.12);
  padding: .65rem .9rem; border-radius: 999px; font-size: .95rem; font-weight: 600;
}
.section { padding: 4.5rem 0; }
.section.alt { background: #edf3fb; }
.section-head { margin-bottom: 2rem; }
.page-main { padding-bottom: 2rem; }
.page-hero { padding: 4rem 0 2rem; }
.page-hero.slim { padding-bottom: 1rem; }
.center-text { text-align: center; }
.cards { display: grid; gap: 1.5rem; }
.three-up { grid-template-columns: repeat(3, minmax(0,1fr)); }
.two-up { grid-template-columns: repeat(2, minmax(0,1fr)); }
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 1.5rem;
}
.panel { padding: 2rem; }
.panel-badge {
  display: inline-flex; align-items: center; gap: .5rem; background: rgba(28,108,240,.1); color: var(--accent);
  border-radius: 999px; padding: .5rem .8rem; font-weight: 700; font-size: .85rem; margin-bottom: 1rem;
}
.check-list { list-style: none; padding: 0; margin: 1rem 0 0; display: grid; gap: .8rem; }
.check-list li { position: relative; padding-left: 1.6rem; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: #16824e; font-weight: 800; }
.check-list.compact { gap: .55rem; }
.mini-stat-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1rem; margin-top: 1.6rem; }
.mini-stat-grid div { background: #f7faff; border-radius: 18px; border: 1px solid var(--line); padding: 1rem; }
.mini-stat-grid strong { display: block; font-size: 1.05rem; }
.mini-stat-grid span, .muted { color: var(--muted); }
.quote-card { padding: 2rem; font-size: 1.2rem; font-weight: 700; }
.cta-band { background: linear-gradient(135deg, var(--primary) 0%, #0f2c62 100%); color: white; }
.cta-wrap { justify-content: space-between; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; border-radius: 16px; padding: .95rem 1.25rem;
  font-weight: 700; border: 1px solid transparent; cursor: pointer; transition: .18s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--primary); color: white; }
.btn-primary:hover { background: var(--primary-dark); }
.btn-secondary { background: white; color: var(--primary); border-color: rgba(16,61,137,.16); }
.btn-outline { border-color: var(--line); background: white; color: var(--text) !important; }
.btn-sm { padding: .7rem 1rem; border-radius: 14px; }
.btn-light { background: white; color: var(--primary); }
.btn-block { width: 100%; }
.text-link { color: var(--accent); font-weight: 700; }
.service-card h2 { font-size: 1.45rem; }
.info-card { align-self: start; }
.form-layout { grid-template-columns: .75fr 1.25fr; }
.opt-form { display: grid; gap: 1rem; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 1rem; }
.field { display: grid; gap: .45rem; }
label { font-weight: 700; font-size: .95rem; }
input, textarea {
  width: 100%; border-radius: 16px; border: 1px solid var(--line); padding: .95rem 1rem; background: white; color: var(--text);
  font: inherit;
}
input:focus, textarea:focus { outline: 2px solid rgba(28,108,240,.18); border-color: rgba(28,108,240,.4); }
.consent-box {
  display: grid; gap: .8rem; background: #f7faff; border: 1px solid var(--line); border-radius: 20px; padding: 1rem;
}
.checkbox-row { display: flex; align-items: flex-start; gap: .8rem; font-weight: 500; }
.checkbox-row input { width: auto; margin-top: .2rem; }
.form-message { min-height: 1.3rem; color: var(--primary); font-weight: 600; }
.legal p { margin-bottom: 1rem; }
.site-footer { border-top: 1px solid var(--line); background: white; padding: 2.4rem 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 2rem; }
.footer-grid h4 { margin-bottom: .8rem; }
.footer-grid a { display: block; margin-bottom: .45rem; color: var(--muted); }
.footer-logo { display: inline-block; margin-bottom: .75rem; }
@media (max-width: 920px) {
  .hero-grid, .split, .form-layout, .three-up, .two-up, .footer-grid, .field-row { grid-template-columns: 1fr; }
  .site-nav {
    position: absolute; right: 1rem; top: 78px; display: none; flex-direction: column; align-items: stretch; min-width: 220px;
    background: white; border: 1px solid var(--line); border-radius: 20px; padding: 1rem; box-shadow: var(--shadow);
  }
  .site-nav.open { display: flex; }
  .menu-toggle { display: inline-flex; }
}