:root {
  --bg: #f6f8fc;
  --bg-alt: #eef3fb;
  --text: #182230;
  --muted: #4f6075;
  --primary: #1240a3;
  --primary-dark: #0d2f78;
  --accent: #0ea5a0;
  --white: #ffffff;
  --border: #dbe3f0;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(18, 64, 163, 0.12);
  --max: 1120px;
  --space: clamp(16px, 2vw, 24px);
  --font: "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: var(--bg); line-height: 1.6; }
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; border-radius: var(--radius); }
.skip-link { position: absolute; left: -999px; top: -999px; }
.skip-link:focus { left: 16px; top: 16px; background: #000; color: #fff; padding: 8px 12px; z-index: 1000; border-radius: 8px; }
.container { width: min(100% - 2rem, var(--max)); margin: 0 auto; }
.section { padding: clamp(56px, 8vw, 88px) 0; }
.section-alt { background: var(--bg-alt); }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 74px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--text); }
.brand-mark { background: linear-gradient(135deg, var(--primary), var(--accent)); color: #fff; padding: 6px 10px; border-radius: 8px; font-size: 0.8rem; }
.brand-text { font-size: 0.9rem; }
.menu-toggle { display: inline-flex; flex-direction: column; gap: 5px; border: 1px solid var(--border); background: #fff; border-radius: 10px; padding: 10px; }
.menu-toggle span { width: 20px; height: 2px; background: var(--text); }
.main-nav { display: none; flex-direction: column; position: absolute; top: 74px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--border); padding: 14px; gap: 10px; }
.main-nav.open { display: flex; }
.main-nav a { font-weight: 600; padding: 8px 10px; border-radius: 8px; }
.main-nav a.active, .main-nav a:hover { background: #edf2ff; text-decoration: none; }
.hero-grid, .split, .contact-grid, .footer-grid { display: grid; gap: 24px; }
.hero h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); line-height: 1.2; margin: 10px 0 14px; }
.eyebrow { display: inline-block; background: #dfe9ff; color: var(--primary-dark); padding: 6px 10px; border-radius: 999px; font-weight: 700; font-size: .82rem; }
.lead { color: var(--muted); font-size: 1.06rem; }
.hero-actions { margin: 22px 0 18px; display: flex; gap: 12px; flex-wrap: wrap; }
.btn { display: inline-block; background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: #fff; border: none; padding: 12px 18px; border-radius: 12px; font-weight: 700; box-shadow: var(--shadow); }
.btn:hover { filter: brightness(1.05); text-decoration: none; }
.btn-outline { background: transparent; color: var(--primary); border: 1.5px solid var(--primary); box-shadow: none; }
.btn-sm { padding: 9px 14px; font-size: .92rem; }
.trust-list { list-style: none; color: var(--muted); display: grid; gap: 8px; }
.section-head { margin-bottom: 24px; }
.section-head h2 { font-size: clamp(1.4rem, 2.9vw, 2rem); margin-bottom: 8px; }
.grid { display: grid; gap: 16px; }
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); }
.card h3 { margin-bottom: 8px; font-size: 1.12rem; }
.icon { font-size: 1.4rem; margin-bottom: 8px; }
.info-box { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; }
.info-box ul { list-style: none; display: grid; gap: 8px; }
.steps { display: grid; gap: 12px; list-style: none; }
.steps li { background: #fff; border: 1px solid var(--border); padding: 16px; border-radius: 12px; }
.faq-item { border: 1px solid var(--border); background: #fff; border-radius: 12px; overflow: hidden; margin-bottom: 10px; }
.faq-question { width: 100%; text-align: left; background: #fff; padding: 16px; border: none; font-size: 1rem; font-weight: 700; cursor: pointer; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; padding: 0 16px; }
.faq-item.open .faq-answer { max-height: 220px; padding-bottom: 16px; }
.cta-final { background: linear-gradient(135deg, #123a8f, #0d2f78); color: #fff; text-align: center; }
.cta-final p { margin: 10px auto 18px; max-width: 760px; }
.site-footer { background: #0f1a2c; color: #dbe4f4; padding-top: 42px; }
.site-footer a { color: #c9dbff; }
.footer-grid { grid-template-columns: 1fr; gap: 24px; }
.footer-grid h3 { color: #fff; margin-bottom: 8px; }
.footer-grid ul { list-style: none; display: grid; gap: 6px; }
.footer-bottom { text-align: center; border-top: 1px solid rgba(255,255,255,.14); margin-top: 20px; padding: 14px; }
.contact-page .contact-layout { display: grid; gap: 20px; }
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); }
label { font-weight: 600; display: block; margin-bottom: 6px; }
input, select, textarea { width: 100%; border: 1px solid #c9d6eb; border-radius: 10px; padding: 11px 12px; font: inherit; }
input:focus, select:focus, textarea:focus, button:focus, a:focus { outline: 3px solid rgba(14,165,160,.35); outline-offset: 2px; }
.field { margin-bottom: 14px; }
.helper, .form-message { font-size: .92rem; color: var(--muted); }
.error { color: #b42318; font-size: .86rem; margin-top: 4px; }
.back-to-top { position: fixed; right: 16px; bottom: 16px; width: 42px; height: 42px; border: none; border-radius: 50%; background: var(--primary); color: #fff; font-size: 1.2rem; display: none; }
.back-to-top.show { display: block; }
.legal-content { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.legal-content h2 { margin-top: 22px; margin-bottom: 8px; }
.legal-content p, .legal-content li { color: #2e3d53; }
.legal-content ul { margin-left: 20px; }
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@media (min-width: 900px) {
  .menu-toggle { display: none; }
  .main-nav { position: static; display: flex; flex-direction: row; border: 0; background: transparent; padding: 0; align-items: center; }
  .hero-grid { grid-template-columns: 1.1fr 0.9fr; align-items: center; }
  .split { grid-template-columns: 1.1fr 0.9fr; align-items: start; }
  .cards-3 { grid-template-columns: repeat(3, 1fr); }
  .cards-4 { grid-template-columns: repeat(4, 1fr); }
  .contact-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1.1fr 1fr 1fr; }
  .contact-page .contact-layout { grid-template-columns: 0.9fr 1.1fr; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}