:root {
  --bg: #f7f9fc;
  --bg-raised: #ffffff;
  --bg-soft: #f3f7ff;
  --line: #e3e8f0;
  --text: #101a2c;
  --muted: #4d5b70;
  --blue: #0070ff;
  --blue-deep: #0058d6;
  --focus: #0b6dff;
  --radius: 18px;
  --header: 7.4rem;
  --wrap: 72rem;
  --shadow: 0 10px 30px rgba(21, 40, 70, 0.06);
  font-synthesis: none;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background:
    radial-gradient(900px 420px at 100% -10%, rgba(11, 109, 255, 0.12), transparent 60%),
    radial-gradient(700px 380px at -10% 0%, rgba(11, 109, 255, 0.08), transparent 55%),
    var(--bg);
  color: var(--text);
  font-family: "Segoe UI", system-ui, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.65;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--blue); text-underline-offset: 0.18em; }

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

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

h1, h2, h3 {
  color: var(--text);
  line-height: 1.12;
  font-weight: 680;
  letter-spacing: -0.03em;
}

h1 { font-size: clamp(2.4rem, 5.4vw, 4rem); margin: 0 0 1rem; }

h2 { font-size: clamp(1.7rem, 3vw, 2.35rem); margin: 0 0 0.8rem; }

h3 { font-size: 1.25rem; margin: 0 0 0.5rem; }

p { margin: 0 0 1rem; }

.skip {
  position: absolute;
  left: 1rem;
  top: -4rem;
  background: var(--text);
  color: #fff;
  padding: 0.6rem 0.9rem;
  z-index: 20;
  border-radius: 8px;
}

.skip:focus { top: 1rem; }

.wrap {
  width: min(var(--wrap), calc(100% - 2.4rem));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
}

.header-inner {
  min-height: var(--header);
  display: flex;
  align-items: center;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  margin-right: auto;
  text-decoration: none;
}

.brand img { height: 100px; width: auto; }

.nav {
  display: flex;
  align-items: center;
  gap: 1.15rem;
}

.nav a {
  color: var(--text);
  text-decoration: none;
  font-size: 0.98rem;
  font-weight: 600;
}

.nav a[aria-current="page"] { color: var(--blue); }

.menu-toggle {
  display: none;
  min-height: 44px;
  min-width: 44px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text);
  border-radius: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.75rem 1.15rem;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 680;
  border: 1px solid transparent;
}

.btn-primary {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 8px 18px rgba(0, 112, 255, 0.22);
}

.btn-primary:hover { background: var(--blue-deep); color: #fff; }

.btn-secondary {
  background: #fff;
  color: var(--text);
  border-color: var(--line);
}

.btn-secondary:hover { border-color: var(--blue); color: var(--blue); }

.actions { display: flex; flex-wrap: wrap; gap: 0.7rem; }

.crumbs { margin: 0 0 0.85rem; font-size: 0.92rem; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 0.35rem; list-style: none; margin: 0; padding: 0; }
.crumbs a { font-weight: 680; text-decoration: none; }
.crumbs li:not(:last-child)::after { content: "/"; margin-left: 0.35rem; color: #8ea0b5; }
.faq { display: grid; gap: 0.75rem; margin-top: 1rem; }
.faq article { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 1rem 1.1rem 0.2rem; }
.faq h3 { font-size: 1.08rem; }

.hero { padding: 4.2rem 0 2.4rem; }

.eyebrow {
  display: inline-block;
  color: var(--blue-deep);
  background: #e7f0ff;
  border-radius: 999px;
  padding: 0.28rem 0.7rem;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.lead {
  font-size: 1.22rem;
  max-width: 42rem;
  color: #31445c;
}

.trust { margin-top: 1.3rem; color: var(--text); font-weight: 600; }

section { padding: 3.4rem 0; }

.panel {
  background: var(--bg-raised);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.45rem 1.4rem 1.2rem;
  box-shadow: var(--shadow);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.6rem;
}

.card h3 { margin-top: 0.15rem; }

.card a { font-weight: 700; text-decoration: none; }

.quotes {
  display: grid;
  gap: 0.65rem;
  margin: 1.2rem 0 1.2rem;
  padding: 0;
  list-style: none;
}

.quotes li {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 0.75rem 0.95rem;
  color: var(--text);
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
  counter-reset: step;
  list-style: none;
  padding: 0;
}

.steps li {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
  box-shadow: var(--shadow);
}

.steps li::before {
  counter-increment: step;
  content: counter(step);
  display: grid;
  place-items: center;
  width: 2rem;
  height: 2rem;
  border-radius: 999px;
  background: #e7f0ff;
  color: var(--blue-deep);
  font-weight: 750;
  margin-bottom: 0.75rem;
}

.steps strong { display: block; color: var(--text); margin-bottom: 0.35rem; }

.split {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 1.4rem;
  align-items: start;
}

.topics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.topic {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem 1.2rem 0.4rem;
  box-shadow: var(--shadow);
}

.band {
  background: rgba(255, 255, 255, 0.72);
  border-block: 1px solid var(--line);
}

.cta { display: grid; gap: 0.8rem; justify-items: start; }

.site-footer {
  border-top: 1px solid var(--line);
  background: #fff;
  padding: 2.6rem 0 6.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 1.5rem;
}

.footer-nav { display: grid; gap: 0.45rem; }

.footer-nav a { color: var(--muted); text-decoration: none; font-weight: 600; }

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

.fine { font-size: 0.92rem; }

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 1.5rem;
}

label { display: block; color: var(--text); font-weight: 680; margin-bottom: 0.35rem; }

input, textarea {
  width: 100%;
  margin-bottom: 0.9rem;
  min-height: 48px;
  padding: 0.75rem 0.85rem;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text);
  font: inherit;
}

textarea { min-height: 9rem; resize: vertical; }

.form-note { min-height: 1.4rem; color: var(--text); }

.mobile-bar {
  display: none;
  position: fixed;
  left: 0.7rem;
  right: 0.7rem;
  bottom: 0.7rem;
  z-index: 12;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 12px 30px rgba(21, 40, 70, 0.12);
  padding: 0.4rem;
  grid-template-columns: 1.15fr 1.15fr 0.95fr;
  gap: 0.4rem;
}

.mobile-bar a {
  min-height: 48px;
  display: grid;
  place-items: center;
  text-decoration: none;
  border-radius: 12px;
  font-weight: 750;
  color: #fff;
  background: var(--blue);
}

.mobile-bar a.wa {
  background: #f3f6fb;
  color: var(--text);
}

:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
}

@media (max-width: 900px) {
  .cards, .steps, .topics, .split, .contact-layout, .footer-grid { grid-template-columns: 1fr; }
  .menu-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .nav {
    display: none;
    position: absolute;
    top: var(--header);
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 0.7rem 1rem 1rem;
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a, .nav .btn { width: 100%; }
  .header-cta { display: none; }
  .mobile-bar { display: grid; }
  body { padding-bottom: 5.5rem; }
  .hero { padding-top: 2.4rem; }
  .brand img { height: 56px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}