:root {
  --bg: #f6f8fc;
  --surface: #ffffff;
  --surface-2: #eef3ff;
  --text: #1b2430;
  --muted: #4b5a6b;
  --primary: #1f5eff;
  --primary-dark: #1145ce;
  --accent: #00a8a8;
  --border: #dbe4f0;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 12px 30px rgba(16, 42, 89, 0.08);
  --maxw: 1120px;
  --space: clamp(16px, 3vw, 28px);
  --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, #f8faff 0%, #f2f6ff 35%, #f8fbff 100%);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; border-radius: var(--radius); }
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.skip-link {
  position: absolute; left: -9999px; top: 8px; background: #000; color: #fff; padding: 8px 12px; border-radius: 8px; z-index: 9999;
}
.skip-link:focus { left: 8px; }

.container { width: min(var(--maxw), 92%); margin: 0 auto; }
.section { padding: clamp(52px, 8vw, 92px) 0; }
.section.alt { background: var(--surface-2); }

.site-header {
  position: sticky; top: 0; z-index: 1000; backdrop-filter: blur(10px);
  background: rgba(255,255,255,0.88); border-bottom: 1px solid var(--border);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; color: var(--text); text-decoration: none; }
.brand-mark {
  background: linear-gradient(135deg, var(--primary), var(--accent)); color: #fff; border-radius: 10px; padding: 8px 10px; font-size: 0.9rem;
}
.brand-text { font-size: 0.98rem; }

.main-nav { display: none; gap: 18px; }
.main-nav a { color: var(--text); font-weight: 600; padding: 8px 6px; border-bottom: 2px solid transparent; }
.main-nav a.active, .main-nav a:hover { border-color: var(--primary); text-decoration: none; }

.menu-toggle {
  border: 1px solid var(--border); background: #fff; width: 46px; height: 42px; border-radius: 10px;
  display: inline-flex; flex-direction: column; justify-content: center; gap: 5px; padding: 0 10px; cursor: pointer;
}
.menu-toggle span { height: 2px; background: #1f2d3d; display: block; border-radius: 2px; transition: .2s; }

.desktop-cta { display: none; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 20px; border-radius: 999px; font-weight: 700; border: 1px solid transparent;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-2px); text-decoration: none; }
.btn:focus-visible, .menu-toggle:focus-visible, .faq-question:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible, .back-to-top:focus-visible {
  outline: 3px solid rgba(31,94,255,.28); outline-offset: 2px;
}
.btn-primary { background: linear-gradient(135deg, var(--primary), #3e7bff); color: #fff; box-shadow: var(--shadow); }
.btn-primary:hover { background: linear-gradient(135deg, var(--primary-dark), var(--primary)); }
.btn-secondary { background: #fff; color: var(--primary); border-color: var(--border; }

.hero-grid { display: grid; gap: 28px; align-items: center; }
.eyebrow { color: var(--accent); font-weight: 800; letter-spacing: .03em; text-transform: uppercase; font-size: .78rem; }
h1 { font-size: clamp(1.6rem, 5vw, 2.85rem); line-height: 1.15; margin: 10px 0 14px; }
.hero-subtitle { color: var(--muted); font-size: clamp(1rem, 2.2vw, 1.14rem); }
.hero-actions { margin-top: 22px; display: flex; flex-wrap: wrap; gap: 12px; }
.trust-points { margin-top: 18px; list-style: none; display: grid; gap: 8px; color: #20364e; }
.trust-points li::before { content: "✓ "; color: var(--accent); font-weight: 800; }
.hero-media img { box-shadow: var(--shadow); }

.section-head { max-width: 760px; margin-bottom: 24px; }
.section-head h2 { font-size: clamp(1.35rem, 4vw, 2rem); margin-bottom: 8px; }
.section-head p { color: var(--muted); }

.card-grid { display: grid; gap: 16px; }
.card-grid.three { grid-template-columns: 1fr; }
.card-grid.four { grid-template-columns: 1fr; }
.card, .service-card, .panel {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 22px; box-shadow: var(--shadow);
}
.card .icon { font-size: 1.45rem; margin-bottom: 10px; }
.card h3, .service-card h3 { margin-bottom: 8px; font-size: 1.08rem; }
.card p, .service-card p { color: var(--muted); }
.service-card .text-link { margin-top: 14px; display: inline-block; font-weight: 700; }

.two-col { display: grid; gap: 20px; align-items: start; }
.panel ul { padding-left: 20px; }
.panel li { margin-bottom: 8px; }

.steps { list-style: none; display: grid; gap: 14px; }
.steps li {
  display: grid; grid-template-columns: 44px 1fr; gap: 14px; align-items: start;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px;
}
.steps span {
  width: 36px; height: 36px; border-radius: 999px; background: var(--surface-2); color: var(--primary);
  display: inline-flex; align-items: center; justify-content: center; font-weight: 800;
}

.faq-list { display: grid; gap: 10px; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-sm); background: #fff; overflow: hidden; }
.faq-question {
  width: 100%; text-align: left; background: #fff; border: 0; padding: 16px; cursor: pointer;
  font-size: 1rem; font-weight: 700; color: var(--text);
}
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-answer p { padding: 0 16px 16px; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 220px; }

.cta-box { background: linear-gradient(145deg, #0f3fb8, #1f5eff); color: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.cta-box p { color: #dce7ff; margin-top: 8px; }
.cta-box .btn-secondary { background: #fff; color: #0f3fb8; border-color: transparent; }

.form-wrap { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.form-grid { display: grid; gap: 14px; }
label { font-weight: 700; font-size: .95rem; display: inline-block; margin-bottom: 6px; }
input, textarea, select {
  width: 100%; border: 1px solid #c9d5e7; border-radius: 10px; padding: 12px 13px; font: inherit; color: var(--text); background: #fff;
}
textarea { min-height: 130px; resize: vertical; }
.help, .error-text { font-size: .84rem; color: #6a7888; }
.error-text { color: #b42318; display: none; }
.field-error .error-text { display: block; }
.field-error input, .field-error textarea, .field-error select { border-color: #e13a3a; }
.form-message { margin-top: 12px; padding: 10px 12px; border-radius: 10px; display: none; }
.form-message.info { display: block; background: #eef4ff; color: #22478a; border: 1px solid #ccddff; }

.site-footer { background: #101a2a; color: #e6ecf5; padding-top: 42px; }
.footer-grid { display: grid; gap: 22px; grid-template-columns: 1fr; }
.site-footer h3, .site-footer h4 { color: #fff; margin-bottom: 8px; }
.site-footer p, .site-footer li { color: #b8c5d6; }
.site-footer ul { list-style: none; display: grid; gap: 6px; }
.site-footer a { color: #dce7ff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 20px; padding: 16px 0 22px; text-align: center; }

.legal-layout { display: grid; gap: 18px; }
.legal-nav { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px; }
.legal-nav ul { list-style: none; display: grid; gap: 8px; }
.legal-content { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.legal-content h1 { font-size: clamp(1.4rem, 3vw, 2rem); }
.legal-content h2 { font-size: 1.15rem; margin: 22px 0 8px; }
.legal-content p, .legal-content li { color: #374c63; }
.legal-content ul { padding-left: 20px; }

.back-to-top {
  position: fixed; right: 16px; bottom: 16px; width: 44px; height: 44px; border-radius: 999px;
  border: 0; background: var(--primary); color: #fff; font-size: 1.2rem; cursor: pointer;
  opacity: 0; transform: translateY(12px); pointer-events: none; transition: .25s;
}
.back-to-top.show { opacity: 1; transform: translateY(0); pointer-events: auto; }

.reveal { opacity: 0; transform: translateY(14px); transition: opacity .45s ease, transform .45s ease; }
.reveal.visible { opacity: 1; transform: none; }

@media (min-width: 860px) {
  .menu-toggle { display: none; }
  .main-nav { display: flex; }
  .desktop-cta { display: inline-flex; }
  .hero-grid { grid-template-columns: 1.05fr .95fr; }
  .card-grid.three { grid-template-columns: repeat(3, 1fr); }
  .card-grid.four { grid-template-columns: repeat(4, 1fr); }
  .two-col { grid-template-columns: 1.1fr .9fr; }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .legal-layout { grid-template-columns: 280px 1fr; align-items: start; }
  .legal-nav { position: sticky; top: 92px; }
}

@media (max-width: 859px) {
  .main-nav {
    position: absolute; left: 0; right: 0; top: 76px; background: #fff; border-bottom: 1px solid var(--border);
    padding: 10px 4%; flex-direction: column; display: none;
  }
  .main-nav.open { display: flex; }
}

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