:root {
  --blue: #2563eb;
  --blue-dark: #173b8f;
  --blue-soft: #eff6ff;
  --green: #16a34a;
  --green-soft: #ecfdf3;
  --gold: #f59e0b;
  --cream: #fff7ed;
  --ink: #111827;
  --text: #273244;
  --muted: #667085;
  --line: #e2e8f0;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(17, 24, 39, .12);
  --radius: 22px;
  --max: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--text);
  background: #f8fafc;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; height: auto; }

.topbar {
  background: var(--blue-dark);
  color: #fff;
  text-align: center;
  padding: 9px 16px;
  font-size: 14px;
  font-weight: 700;
}

header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.nav {
  max-width: var(--max);
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  color: var(--ink);
  font-weight: 950;
  letter-spacing: -.04em;
  line-height: 1.02;
  white-space: nowrap;
}

.logo-mark {
  width: 50px;
  height: 50px;
  border-radius: 17px;
  background: linear-gradient(135deg, var(--blue), var(--green));
  display: grid;
  place-items: center;
  box-shadow: 0 12px 24px rgba(37,99,235,.24);
}

.logo-mark svg { width: 32px; height: 32px; }

.logo span { font-size: clamp(20px, 2.2vw, 29px); }

.logo small {
  display: block;
  margin-top: -2px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 850;
  letter-spacing: .13em;
  text-transform: uppercase;
}

nav ul {
  display: flex;
  align-items: center;
  gap: 18px;
  list-style: none;
  padding: 0;
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  font-weight: 800;
}

nav a:hover { color: var(--blue); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 999px;
  background: var(--blue);
  color: #fff;
  border: 0;
  font-weight: 900;
  box-shadow: 0 12px 26px rgba(37,99,235,.22);
  transition: .2s ease;
  cursor: pointer;
}

.btn:hover {
  transform: translateY(-1px);
  background: var(--blue-dark);
}

.btn.secondary {
  background: #fff;
  color: var(--blue-dark);
  border: 1px solid var(--line);
  box-shadow: none;
}

.btn.green {
  background: var(--green);
  box-shadow: 0 12px 26px rgba(22,163,74,.22);
}

.btn.green:hover { background: #0f7a37; }

.hero {
  background:
    radial-gradient(circle at 15% 0%, rgba(37,99,235,.16), transparent 30%),
    radial-gradient(circle at 78% 10%, rgba(22,163,74,.14), transparent 28%),
    linear-gradient(135deg, #ffffff 0%, #f0f7ff 100%);
}

.hero-grid {
  max-width: var(--max);
  margin: 0 auto;
  padding: 74px 20px 64px;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, .95fr);
  gap: 46px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--blue);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 13px;
  font-size: 13px;
  font-weight: 900;
  box-shadow: 0 9px 18px rgba(17,24,39,.07);
}

h1 {
  margin: 20px 0 18px;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  font-size: clamp(42px, 6vw, 72px);
  line-height: .98;
  letter-spacing: -.06em;
}

.lead {
  max-width: 660px;
  margin: 0 0 28px;
  color: var(--muted);
  font-size: clamp(18px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 26px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 800;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--blue-soft);
  color: var(--blue-dark);
  padding: 8px 11px;
  border-radius: 999px;
}

.hero-card {
  position: relative;
  min-height: 540px;
  border-radius: 34px;
  overflow: hidden;
  background: #dbeafe;
  box-shadow: var(--shadow);
  isolation: isolate;
}

.hero-card img {
  width: 100%;
  height: 540px;
  object-fit: cover;
}

.hero-card:after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 35%, rgba(0,0,0,.62));
  z-index: 1;
}

.hero-badges {
  position: absolute;
  z-index: 2;
  left: 22px;
  right: 22px;
  bottom: 22px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.badge {
  background: rgba(255,255,255,.94);
  border-radius: 18px;
  text-align: center;
  padding: 13px 8px;
  backdrop-filter: blur(8px);
}

.badge b {
  display: block;
  color: var(--blue);
  font-size: 22px;
  line-height: 1;
}

.badge span {
  display: block;
  color: var(--muted);
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
}

.section {
  max-width: var(--max);
  margin: 0 auto;
  padding: 74px 20px;
}

.band {
  max-width: none;
  background: #fff;
}

.band.alt {
  background: var(--cream);
}

.band > .inner {
  max-width: var(--max);
  margin: 0 auto;
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 30px;
}

.section-head h2 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  font-size: clamp(32px, 4vw, 50px);
  line-height: 1.05;
  letter-spacing: -.045em;
}

.section-head p {
  max-width: 520px;
  margin: 0;
  color: var(--muted);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 10px 28px rgba(17,24,39,.07);
  transition: .22s ease;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.card-img {
  aspect-ratio: 1.42 / 1;
  overflow: hidden;
  background: var(--blue-soft);
}

.card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: .35s ease;
}

.card:hover .card-img img { transform: scale(1.05); }

.card-body { padding: 22px; }

.tag {
  display: inline-block;
  background: var(--blue-soft);
  color: var(--blue);
  border-radius: 999px;
  padding: 5px 10px;
  margin-bottom: 10px;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: .055em;
  text-transform: uppercase;
}

.card h3 {
  margin: 0 0 10px;
  color: var(--text);
  font-size: 22px;
  line-height: 1.16;
  letter-spacing: -.025em;
}

.card p { margin: 0; color: var(--muted); }

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 26px;
  box-shadow: 0 10px 28px rgba(17,24,39,.07);
}

.step b {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 14px;
  border-radius: 16px;
  background: var(--green-soft);
  color: var(--green);
  font-size: 24px;
}

.step h3 {
  margin: 0 0 8px;
  color: var(--ink);
}

.step p {
  margin: 0;
  color: var(--muted);
}

.feature-band {
  background: var(--blue-dark);
  color: #fff;
}

.feature-band .section-head h2 { color: #fff; }
.feature-band .section-head p { color: rgba(255,255,255,.75); }

.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: center;
}

.feature-copy h3 {
  font-family: Georgia, "Times New Roman", serif;
  margin: 0 0 14px;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.07;
  letter-spacing: -.04em;
}

.feature-copy p {
  color: rgba(255,255,255,.78);
  font-size: 18px;
}

.feature-list {
  display: grid;
  gap: 12px;
  margin-top: 20px;
}

.feature-item {
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 16px;
  padding: 16px;
}

.feature-item strong { color: #d9ebff; }

.feature-img {
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 22px 54px rgba(0,0,0,.28);
}

.feature-img img {
  width: 100%;
  height: 520px;
  object-fit: cover;
}

.article-list {
  display: grid;
  gap: 14px;
}

details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 10px 22px rgba(17,24,39,.05);
}

summary {
  cursor: pointer;
  list-style: none;
  padding: 21px 24px;
  font-size: 20px;
  font-weight: 950;
  letter-spacing: -.02em;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 18px;
}

summary::-webkit-details-marker { display: none; }

summary:after {
  content: "+";
  display: grid;
  place-items: center;
  flex: 0 0 34px;
  width: 34px;
  height: 34px;
  background: var(--blue-soft);
  color: var(--blue);
  border-radius: 50%;
  font-size: 24px;
  line-height: 1;
}

details[open] summary:after { content: "–"; }

.details-content {
  border-top: 1px solid var(--line);
  color: var(--muted);
  padding: 22px 24px 24px;
}

.details-content p { margin: 0 0 16px; }
.details-content p:last-child { margin-bottom: 0; }

.cta-band {
  max-width: var(--max);
  margin: 0 auto 74px;
  padding: 0 20px;
}

.cta-box {
  border: 1px solid var(--line);
  border-radius: 30px;
  background: linear-gradient(135deg, var(--cream), var(--blue-soft));
  box-shadow: var(--shadow);
  padding: 34px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
}

.cta-box h2 {
  margin: 0 0 8px;
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 36px;
  line-height: 1.08;
  letter-spacing: -.035em;
}

.cta-box p {
  margin: 0;
  color: var(--muted);
}

.page-hero {
  background: linear-gradient(135deg, #ffffff, #f0f7ff);
  border-bottom: 1px solid var(--line);
}

.page-hero-inner {
  max-width: 920px;
  margin: 0 auto;
  padding: 72px 20px 58px;
  text-align: center;
}

.page-hero h1 { margin-top: 16px; margin-bottom: 14px; }

.legal-page {
  max-width: 930px;
  margin: 0 auto;
  padding: 58px 20px 84px;
}

.legal-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: var(--shadow);
  padding: 38px;
}

.legal-card h2 {
  margin: 34px 0 10px;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  font-size: 31px;
  line-height: 1.1;
  letter-spacing: -.035em;
}

.legal-card h2:first-child { margin-top: 0; }

.legal-card h3 {
  margin: 24px 0 8px;
  color: var(--text);
  font-size: 20px;
}

.legal-card p,
.legal-card li {
  color: var(--muted);
}

.legal-card ul,
.legal-card ol {
  padding-left: 24px;
}

.callout {
  background: var(--blue-soft);
  border-left: 5px solid var(--blue);
  border-radius: 16px;
  padding: 18px 20px;
  margin: 22px 0;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr .8fr;
  gap: 24px;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 13px 14px;
  margin-bottom: 12px;
  font: inherit;
}

.contact-side {
  background: var(--blue-soft);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 26px;
}

footer {
  background: #111827;
  color: rgba(255,255,255,.78);
  padding: 48px 20px 32px;
}

.footer-grid {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr .8fr .8fr;
  gap: 36px;
}

footer .logo { color: #fff; }
footer .logo small { color: rgba(255,255,255,.55); }
footer p { margin: 14px 0 0; max-width: 500px; }
footer h3 { color: #fff; margin: 0 0 14px; }
footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
footer a { color: rgba(255,255,255,.78); text-decoration: underline; text-decoration-color: rgba(255,255,255,.25); }

.copyright {
  max-width: var(--max);
  margin: 34px auto 0;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.5);
  font-size: 13px;
}

@media (max-width: 900px) {
  nav ul { display: none; }
  .hero-grid { grid-template-columns: 1fr; padding-top: 48px; }
  .hero-card { min-height: 420px; }
  .hero-card img { height: 420px; }
  .cards, .steps { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .feature-img img { height: 420px; }
  .section-head { display: block; }
  .section-head p { margin-top: 10px; }
  .cta-box { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .nav { padding: 12px 16px; }
  .logo-mark { width: 42px; height: 42px; border-radius: 14px; }
  .hero-grid, .section { padding-left: 16px; padding-right: 16px; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; }
  .hero-badges { grid-template-columns: 1fr; }
  summary { font-size: 17px; padding: 18px; }
  .details-content { padding: 18px; }
  .cta-band { padding: 0 16px; }
  .cta-box, .legal-card { padding: 24px; }
}