:root {
  --bg: #f5f7fb;
  --surface: #ffffff;
  --surface-2: #f0f4ff;
  --text: #1a2440;
  --muted: #5d6b8a;
  --primary: #1f4be3;
  --primary-dark: #173ab0;
  --accent: #00a3a3;
  --border: #dbe3f5;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(31, 75, 227, 0.12);
  --max: 1120px;
  --space: clamp(1rem, 2vw, 1.5rem);
  --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%, #f5f7fb 100%);
  line-height: 1.6;
}
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; border-radius: var(--radius); }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.narrow { max-width: 840px; }
.section { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-alt { background: var(--surface-2); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.skip-link { position: absolute; left: -9999px; top: 0; background: #000; color: #fff; padding: .5rem .75rem; z-index: 9999; }
.skip-link:focus { left: .5rem; }
.site-header {
  position: sticky; top: 0; z-index: 1000;
  backdrop-filter: blur(10px);
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid var(--border);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 1rem; }
.brand { font-weight: 800; font-size: clamp(.9rem, 2.3vw, 1.05rem); color: var(--text); }
.menu { display: flex; align-items: center; gap: .85rem; }
.menu a { padding: .58rem .8rem; border-radius: 10px; color: var(--text); font-weight: 600; }
.menu a.active, .menu a:hover { background: #e9efff; text-decoration: none; }
.menu-toggle { display: none; flex-direction: column; gap: 4px; border: 1px solid var(--border); background: #fff; padding: .55rem; border-radius: 10px; }
.menu-toggle span { width: 20px; height: 2px; background: var(--text); }
.hero-grid { display: grid; gap: 1.6rem; align-items: center; }
.kicker { color: var(--primary); font-weight: 700; margin-bottom: .5rem; }
h1 { font-size: clamp(1.7rem, 4vw, 3rem); line-height: 1.2; margin-bottom: 1rem; }
h2 { font-size: clamp(1.35rem, 3vw, 2.15rem); margin-bottom: .7rem; }
h3 { font-size: clamp(1.05rem, 2.4vw, 1.25rem); margin-bottom: .45rem; }
.hero-actions { display: flex; gap: .75rem; flex-wrap: wrap; margin-top: 1rem; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid transparent; border-radius: 12px;
  padding: .75rem 1rem; font-weight: 700; transition: .25s ease;
}
.btn-primary { background: var(--primary); color: #fff; box-shadow: var(--shadow); }
.btn-primary:hover { background: var(--primary-dark); text-decoration: none; transform: translateY(-1px); }
.btn-secondary { background: #fff; color: var(--primary); border-color: var(--border); }
.btn-secondary:hover { background: #f6f9ff; text-decoration: none; }
.hero-badges { margin-top: 1rem; display: flex; flex-wrap: wrap; gap: .5rem; list-style: none; }
.hero-badges li { background: #eaf3ff; border: 1px solid #cfe1ff; color: #20457e; padding: .35rem .65rem; border-radius: 999px; font-size: .9rem; }
.section-head { margin-bottom: 1.4rem; }
.section-head p { color: var(--muted); }
.cards-grid { display: grid; gap: 1rem; }
.card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.15rem; box-shadow: 0 8px 20px rgba(19,31,66,.06);
}
.steps { display: grid; gap: .85rem; }
.step { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1rem; }
.step span {
  display: inline-grid; place-items: center; width: 34px; height: 34px;
  border-radius: 50%; background: var(--primary); color: #fff; font-weight: 700; margin-bottom: .65rem;
}
.faq { display: grid; gap: .75rem; }
.faq-item { border: 1px solid var(--border); background: #fff; border-radius: 12px; overflow: hidden; }
.faq-question {
  width: 100%; text-align: left; border: 0; background: #fff; padding: .9rem 1rem; font-weight: 700; cursor: pointer;
}
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-answer p { padding: 0 1rem 1rem; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 200px; }
.cta-band { background: linear-gradient(135deg, #1f4be3 0%, #00a3a3 100%); color: #fff; }
.cta-content { text-align: center; }
.cta-content p { opacity: .95; margin: .5rem auto 1rem; max-width: 700px; }
.cta-band .btn-primary { background: #fff; color: #1436a8; }
.site-footer { background: #101a33; color: #dae2ff; margin-top: 2rem; }
.footer-grid { display: grid; gap: 1.3rem; padding: 2.1rem 0 1.2rem; }
.site-footer h3 { color: #fff; margin-bottom: .6rem; }
.site-footer a { color: #b9ccff; }
.site-footer ul { list-style: none; display: grid; gap: .45rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); text-align: center; padding: .85rem; font-size: .95rem; }
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1rem; box-shadow: 0 8px 18px rgba(0,0,0,.05); }
.form-row { display: grid; gap: .8rem; margin-bottom: .85rem; }
label { font-weight: 600; font-size: .95rem; }
input, textarea {
  width: 100%; padding: .72rem .82rem; border: 1px solid #c9d6f3; border-radius: 10px; font: inherit;
}
textarea { min-height: 140px; resize: vertical; }
input:focus, textarea:focus, .btn:focus, .menu a:focus, .faq-question:focus {
  outline: 3px solid rgba(31,75,227,.22); outline-offset: 2px;
}
.form-message { margin-top: .8rem; font-weight: 600; }
.form-message.error { color: #a30f2d; }
.form-message.success { color: #0c7a43; }
.legal-layout { display: grid; gap: 1rem; }
.legal-summary { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 1rem; }
.legal-summary ul { padding-left: 1.1rem; }
.legal-content { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 1rem; }
.legal-content section + section { margin-top: 1rem; }
.back-to-top {
  position: fixed; right: 16px; bottom: 16px; width: 42px; height: 42px;
  border: 0; border-radius: 50%; background: var(--primary); color: #fff; font-size: 1.15rem;
  box-shadow: var(--shadow); cursor: pointer; opacity: 0; pointer-events: none; transition: .25s ease;
}
.back-to-top.show { opacity: 1; pointer-events: auto; }
.reveal { opacity: 0; transform: translateY(10px); transition: .45s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }
@media (min-width: 860px) {
  .hero-grid { grid-template-columns: 1.08fr .92fr; }
  .cards-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .steps { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .footer-grid { grid-template-columns: 1.4fr 1fr; }
  .legal-layout { grid-template-columns: .8fr 2fr; }
  .form-row.cols-2 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 859px) {
  .menu-toggle { display: flex; }
  .menu {
    position: absolute; top: 74px; left: 0; right: 0; background: #fff;
    border-bottom: 1px solid var(--border); display: none; flex-direction: column; align-items: stretch; padding: .8rem;
  }
  .menu.open { display: flex; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}