:root {
  --bg: #f7f9fc;
  --surface: #ffffff;
  --surface-alt: #f1f5fb;
  --text: #1b2430;
  --muted: #5f6b7a;
  --primary: #0f3d7a;
  --primary-2: #1553a6;
  --accent: #00a3a3;
  --border: #dce4f0;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(15, 61, 122, 0.12);
  --shadow-soft: 0 8px 18px rgba(24, 44, 74, 0.08);
  --max: 1160px;
  --space: 1rem;
  --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, #f9fbff 0%, #f4f7fc 100%);
  line-height: 1.6;
}
img { max-width: 100%; display: block; border-radius: var(--radius); }
a { color: var(--primary-2); text-decoration: none; }
a:hover { text-decoration: underline; }

.skip-link {
  position: absolute;
  left: -999px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.skip-link:focus {
  left: 1rem;
  top: 1rem;
  width: auto;
  height: auto;
  background: #fff;
  padding: 0.5rem 0.75rem;
  border-radius: 8px;
  z-index: 9999;
}

.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.section { padding: 4.2rem 0; }
.section-alt { background: var(--surface-alt); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 74px; }
.brand { display: flex; align-items: center; gap: 0.65rem; font-weight: 700; color: var(--text); text-decoration: none; }
.brand-mark {
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #fff;
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  font-size: 0.9rem;
}
.brand-text { font-size: 0.95rem; }

.main-nav { display: flex; align-items: center; gap: 1rem; }
.main-nav a { font-weight: 500; color: var(--text); }
.main-nav a.active { color: var(--primary-2); }

.menu-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--border);
  width: 44px;
  height: 44px;
  border-radius: 10px;
}
.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--text);
  margin: 4px auto;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 600;
  border-radius: 12px;
  padding: 0.75rem 1.1rem;
  border: 1px solid transparent;
  text-decoration: none;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-2));
  color: #fff !important;
  box-shadow: var(--shadow-soft);
}
.btn-primary:hover { box-shadow: var(--shadow); }
.btn-secondary {
  background: #fff;
  border-color: var(--border);
  color: var(--text) !important;
}

.hero-grid { display: grid; gap: 2rem; align-items: center; }
.eyebrow {
  display: inline-block;
  font-size: 0.82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--primary-2);
  font-weight: 700;
  margin-bottom: 0.9rem;
}
h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); line-height: 1.2; margin-bottom: 1rem; }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); line-height: 1.25; margin-bottom: 0.8rem; }
h3 { line-height: 1.3; margin-bottom: 0.5rem; }
.subtitle { font-size: 1.1rem; color: #334155; margin-bottom: 1rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.2rem; }

.trust-list { list-style: none; margin-top: 1.15rem; display: grid; gap: 0.45rem; }
.trust-list li::before { content: "✓"; color: var(--accent); margin-right: 0.5rem; font-weight: 700; }

.section-head { max-width: 780px; margin-bottom: 1.8rem; }
.card-grid { display: grid; gap: 1rem; }
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
  box-shadow: var(--shadow-soft);
}
.card .icon { font-size: 1.35rem; margin-bottom: 0.6rem; }

.split { display: grid; gap: 1rem; }
.checklist {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
}
.checklist ul { list-style: none; display: grid; gap: 0.5rem; margin-top: .8rem; }
.checklist li::before { content: "•"; color: var(--primary-2); font-weight: 700; margin-right: .5rem; }

.text-link { font-weight: 700; display: inline-block; margin-top: .8rem; }
.steps { list-style: none; display: grid; gap: 0.9rem; }
.steps li {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 5px solid var(--primary-2);
  border-radius: var(--radius-sm);
  padding: 1rem;
}

.trust-panels { display: grid; gap: 1rem; }
.panel {
  background: linear-gradient(180deg, #fff, #f8fbff);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
}

.contact-list { list-style: none; display: grid; gap: 0.55rem; }
.map-note { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1.2rem; }

.faq-list { display: grid; gap: .8rem; }
.faq-item { border: 1px solid var(--border); border-radius: 12px; background: #fff; overflow: hidden; }
.faq-question {
  width: 100%;
  text-align: left;
  font: inherit;
  font-weight: 600;
  padding: 1rem;
  border: 0;
  background: #fff;
  cursor: pointer;
}
.faq-question::after { content: "+"; float: right; font-weight: 700; }
.faq-item.open .faq-question::after { content: "−"; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .28s ease; }
.faq-answer p { padding: 0 1rem 1rem; color: var(--muted); }

.cta-final .container {
  background: linear-gradient(135deg, #0f3d7a, #1553a6);
  color: #fff;
  border-radius: 18px;
  padding: 2rem;
  text-align: center;
}
.cta-final p { margin: .6rem 0 1.1rem; }

.site-footer { background: #0f1725; color: #d7dfed; padding-top: 2.5rem; }
.footer-grid { display: grid; gap: 1.2rem; }
.site-footer h3 { color: #fff; margin-bottom: .6rem; }
.site-footer ul { list-style: none; display: grid; gap: .45rem; }
.site-footer a { color: #c6d8ff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 1.2rem; padding: 1rem 0; font-size: .95rem; }

.contact-page .contact-layout { display: grid; gap: 1rem; }
.form-card, .info-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
  box-shadow: var(--shadow-soft);
}
form { display: grid; gap: .85rem; }
label { font-weight: 600; }
input, textarea, select {
  width: 100%;
  border: 1px solid #cbd7e6;
  border-radius: 10px;
  padding: 0.72rem 0.78rem;
  font: inherit;
}
textarea { min-height: 120px; resize: vertical; }
input:focus, textarea:focus, select:focus, button:focus, a:focus {
  outline: 3px solid rgba(21,83,166,.28);
  outline-offset: 2px;
}
.field-error { color: #9f1239; font-size: .88rem; }
.form-message { font-weight: 600; min-height: 1.2rem; }
.form-message.info { color: #0f3d7a; }

.legal-page .legal-wrap { display: grid; gap: 1rem; }
.legal-toc {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem;
}
.legal-content {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
}
.legal-content h2 { margin-top: 1rem; }
.legal-content p, .legal-content li { color: #344054; }
.legal-content ul { padding-left: 1rem; }

.to-top {
  position: fixed;
  right: 1rem;
  bottom: 1rem;
  width: 42px;
  height: 42px;
  border: 0;
  border-radius: 999px;
  background: var(--primary-2);
  color: #fff;
  cursor: pointer;
  display: none;
}
.to-top.show { display: inline-grid; place-items: center; }

.reveal { opacity: 0; transform: translateY(16px); transition: .5s ease; }
.reveal.visible { opacity: 1; transform: none; }

@media (min-width: 760px) {
  .hero-grid { grid-template-columns: 1.15fr .85fr; }
  .cols-4 { grid-template-columns: repeat(2,1fr); }
  .cols-3 { grid-template-columns: repeat(3,1fr); }
  .split { grid-template-columns: 1.1fr .9fr; }
  .trust-panels { grid-template-columns: repeat(3,1fr); }
  .footer-grid { grid-template-columns: repeat(3,1fr); }
  .contact-page .contact-layout { grid-template-columns: 1fr 1fr; }
  .legal-page .legal-wrap { grid-template-columns: 280px 1fr; align-items: start; }
  .legal-toc { position: sticky; top: 90px; }
}

@media (max-width: 959px) {
  .menu-toggle { display: inline-block; }
  .main-nav {
    position: absolute;
    right: 1rem;
    top: 74px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 12px;
    box-shadow: var(--shadow);
    padding: .8rem;
    min-width: 240px;
    display: none;
    flex-direction: column;
    align-items: stretch;
  }
  .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; }
}