:root {
  --navy: #102a43;
  --blue: #1769aa;
  --blue-dark: #0b4f86;
  --sky: #eaf5ff;
  --mint: #eaf8f3;
  --green: #167d5a;
  --text: #203040;
  --muted: #5f6f7f;
  --line: #dbe5ee;
  --white: #ffffff;
  --surface: #f7fafc;
  --shadow: 0 18px 50px rgba(16, 42, 67, 0.12);
  --radius: 22px;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--blue-dark); }
a:hover { color: var(--blue); }
img, svg { max-width: 100%; }
button, a { -webkit-tap-highlight-color: transparent; }

.skip-link {
  position: absolute;
  top: -80px;
  left: 16px;
  padding: 10px 14px;
  z-index: 999;
  background: var(--navy);
  color: white;
  border-radius: 8px;
}
.skip-link:focus { top: 12px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(219,229,238,.9);
  backdrop-filter: blur(12px);
}
.nav-wrap {
  width: min(calc(100% - 32px), var(--max));
  margin: 0 auto;
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  font-weight: 800;
  text-decoration: none;
  color: var(--navy);
  letter-spacing: -.02em;
}
.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: linear-gradient(145deg, var(--blue), var(--navy));
  box-shadow: 0 10px 22px rgba(23,105,170,.22);
}
.brand-mark svg { width: 24px; height: 24px; }
.brand small { display: block; color: var(--muted); font-weight: 600; font-size: 11px; letter-spacing: .02em; }
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-links a { text-decoration: none; color: var(--text); font-weight: 650; font-size: 14px; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.nav-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 16px;
  border-radius: 999px;
  background: var(--navy);
  color: white !important;
  box-shadow: 0 8px 22px rgba(16,42,67,.16);
}
.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  background: white;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  font-size: 22px;
  color: var(--navy);
}

.notice {
  background: var(--navy);
  color: rgba(255,255,255,.9);
  font-size: 13px;
}
.notice .container {
  min-height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.container { width: min(calc(100% - 32px), var(--max)); margin: 0 auto; }
.hero {
  position: relative;
  overflow: hidden;
  padding: 80px 0 70px;
  background:
    radial-gradient(circle at 85% 20%, rgba(23,105,170,.18), transparent 28%),
    radial-gradient(circle at 10% 80%, rgba(22,125,90,.12), transparent 30%),
    linear-gradient(180deg, #f9fcff, #ffffff);
}
.hero::after {
  content: "";
  position: absolute;
  inset: auto -90px -170px auto;
  width: 390px;
  height: 390px;
  border: 62px solid rgba(23,105,170,.045);
  border-radius: 50%;
}
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 58px; align-items: center; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 11px;
  border-radius: 999px;
  background: var(--sky);
  color: var(--blue-dark);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .06em;
}
h1, h2, h3 { color: var(--navy); line-height: 1.15; margin-top: 0; }
h1 { font-size: clamp(42px, 6vw, 68px); letter-spacing: -.045em; margin: 20px 0; }
h2 { font-size: clamp(30px, 4vw, 46px); letter-spacing: -.035em; }
h3 { font-size: 21px; letter-spacing: -.02em; }
.lead { font-size: 19px; color: var(--muted); max-width: 680px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; margin: 30px 0 24px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 52px;
  padding: 0 21px;
  border-radius: 13px;
  text-decoration: none;
  font-weight: 800;
  border: 1px solid transparent;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--blue); color: white; box-shadow: 0 14px 32px rgba(23,105,170,.23); }
.btn-primary:hover { color: white; background: var(--blue-dark); }
.btn-secondary { background: white; border-color: var(--line); color: var(--navy); }
.btn-secondary:hover { color: var(--navy); box-shadow: 0 12px 28px rgba(16,42,67,.08); }
.hero-points { display: flex; flex-wrap: wrap; gap: 18px; color: var(--muted); font-size: 14px; font-weight: 650; }
.hero-points span { display: inline-flex; gap: 7px; align-items: center; }
.check { color: var(--green); font-weight: 900; }

.hero-card {
  position: relative;
  background: white;
  border: 1px solid rgba(219,229,238,.95);
  border-radius: 30px;
  box-shadow: var(--shadow);
  padding: 26px;
}
.hero-card::before {
  content: "";
  position: absolute;
  inset: 18px 18px auto auto;
  width: 82px;
  height: 82px;
  background: var(--mint);
  border-radius: 24px;
  transform: rotate(10deg);
}
.illustration {
  min-height: 220px;
  border-radius: 22px;
  background: linear-gradient(145deg, #edf7ff, #f8fcff);
  display: grid;
  place-items: center;
  overflow: hidden;
  position: relative;
}
.illustration svg { width: 82%; height: auto; position: relative; z-index: 1; }
.call-panel {
  margin-top: 18px;
  padding: 18px;
  border-radius: 18px;
  background: var(--navy);
  color: white;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}
.call-panel small { color: rgba(255,255,255,.72); display: block; }
.call-panel strong { font-size: 21px; }
.call-panel a {
  flex: 0 0 auto;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: white;
  color: var(--navy);
  text-decoration: none;
  font-size: 22px;
}

.section { padding: 82px 0; }
.section-alt { background: var(--surface); border-top: 1px solid #edf2f6; border-bottom: 1px solid #edf2f6; }
.section-head { max-width: 730px; margin-bottom: 34px; }
.section-head p { color: var(--muted); font-size: 17px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  padding: 26px;
  box-shadow: 0 12px 38px rgba(16,42,67,.055);
}
.icon-box {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  margin-bottom: 19px;
  background: var(--sky);
  color: var(--blue-dark);
}
.icon-box svg { width: 26px; height: 26px; }
.card p { color: var(--muted); margin-bottom: 0; }
.link-arrow { display: inline-flex; gap: 8px; align-items: center; margin-top: 18px; text-decoration: none; font-weight: 800; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: steps; }
.step { position: relative; padding: 28px 24px 24px 76px; border-left: 3px solid var(--blue); background: white; border-radius: 0 18px 18px 0; box-shadow: 0 10px 28px rgba(16,42,67,.05); }
.step::before {
  counter-increment: steps;
  content: counter(steps);
  position: absolute;
  left: 22px;
  top: 27px;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  font-weight: 900;
}
.step p { color: var(--muted); margin-bottom: 0; }

.compare-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 10px 34px rgba(16,42,67,.05); }
table { width: 100%; border-collapse: collapse; min-width: 720px; background: white; }
th, td { text-align: left; padding: 18px 20px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--navy); color: white; font-size: 14px; }
td:first-child { color: var(--navy); font-weight: 800; }
tr:last-child td { border-bottom: 0; }

.callout {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 40px;
  align-items: center;
  padding: 42px;
  background: linear-gradient(135deg, var(--navy), #164f76);
  color: white;
  border-radius: 28px;
  overflow: hidden;
  position: relative;
}
.callout::after { content: ""; position: absolute; width: 240px; height: 240px; border-radius: 50%; border: 45px solid rgba(255,255,255,.05); right: -70px; top: -100px; }
.callout h2 { color: white; }
.callout p { color: rgba(255,255,255,.78); }
.callout .btn { background: white; color: var(--navy); justify-self: end; position: relative; z-index: 1; }
.callout .btn:hover { color: var(--navy); }

.faq { max-width: 850px; }
details { border-bottom: 1px solid var(--line); padding: 18px 0; }
summary { cursor: pointer; color: var(--navy); font-weight: 800; font-size: 18px; list-style: none; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; float: right; color: var(--blue); font-size: 24px; }
details[open] summary::after { content: "–"; }
details p { color: var(--muted); max-width: 760px; }

.page-hero { padding: 64px 0 50px; background: linear-gradient(180deg, #f1f8ff, #fff); border-bottom: 1px solid #edf2f6; }
.page-hero p { max-width: 740px; color: var(--muted); font-size: 18px; }
.prose { max-width: 850px; }
.prose h2 { font-size: 30px; margin-top: 44px; }
.prose h3 { margin-top: 30px; }
.prose p, .prose li { color: #435465; }
.prose ul { padding-left: 22px; }
.policy-note { padding: 18px 20px; border-left: 4px solid var(--blue); background: var(--sky); border-radius: 0 14px 14px 0; }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 25px; }
.contact-card { border: 1px solid var(--line); border-radius: 22px; padding: 28px; background: white; }
.contact-card a { font-weight: 800; text-decoration: none; }

.site-footer { background: #0d2438; color: rgba(255,255,255,.75); padding: 58px 0 22px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .6fr .7fr; gap: 40px; }
.site-footer .brand { color: white; margin-bottom: 16px; }
.site-footer h3 { color: white; font-size: 16px; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { color: rgba(255,255,255,.75); text-decoration: none; font-size: 14px; }
.footer-links a:hover { color: white; }
.footer-bottom { margin-top: 40px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); display: flex; justify-content: space-between; gap: 18px; font-size: 12px; }
.disclosure { max-width: 760px; font-size: 12px; line-height: 1.6; }

.mobile-call { display: none; }

@media (max-width: 900px) {
  .menu-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    left: 16px;
    right: 16px;
    top: 68px;
    padding: 16px;
    flex-direction: column;
    align-items: stretch;
    gap: 5px;
    background: white;
    border: 1px solid var(--line);
    border-radius: 18px;
    box-shadow: var(--shadow);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 11px 12px; border-radius: 10px; }
  .nav-cta { margin-top: 4px; }
  .hero-grid, .callout, .contact-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 58px; }
  .cards, .steps { grid-template-columns: 1fr; }
  .callout .btn { justify-self: start; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 620px) {
  body { padding-bottom: 72px; }
  .container, .nav-wrap { width: min(calc(100% - 24px), var(--max)); }
  .brand-text span { font-size: 15px; }
  .brand small { font-size: 10px; }
  h1 { font-size: 42px; }
  .lead { font-size: 17px; }
  .hero-actions .btn { width: 100%; }
  .hero-card { padding: 16px; border-radius: 24px; }
  .illustration { min-height: 180px; }
  .call-panel { align-items: flex-start; }
  .call-panel strong { font-size: 18px; }
  .section { padding: 64px 0; }
  .callout { padding: 30px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > div:first-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
  .mobile-call {
    display: flex;
    position: fixed;
    z-index: 90;
    left: 12px;
    right: 12px;
    bottom: 12px;
    min-height: 54px;
    border-radius: 16px;
    align-items: center;
    justify-content: center;
    gap: 10px;
    text-decoration: none;
    font-weight: 900;
    color: white;
    background: var(--blue);
    box-shadow: 0 16px 38px rgba(23,105,170,.35);
  }
  .mobile-call:hover { color: white; }
}

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