:root {
  --navy: #0f2a44;
  --navy-2: #163a5c;
  --amber: #f5a524;
  --amber-dark: #d98b0b;
  --ink: #1b2733;
  --muted: #5b6b7c;
  --line: #e3e8ee;
  --bg-soft: #f5f7fa;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 42, 68, 0.08);
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy-2); }
h1, h2, h3 { font-family: "Montserrat", "Segoe UI", Arial, sans-serif; color: var(--navy); line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); font-weight: 800; letter-spacing: -0.01em; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 88px 0; }
.section.soft { background: var(--bg-soft); }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--amber-dark); margin-bottom: 12px; }
.section-head { max-width: 640px; margin-bottom: 44px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 24px; border-radius: 10px; font-weight: 700; font-size: 1rem; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .15s, transform .15s, border-color .15s; font-family: inherit; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--amber); color: var(--navy); }
.btn-primary:hover { background: var(--amber-dark); }
.btn-outline { border-color: rgba(255,255,255,.5); color: var(--white); }
.btn-outline:hover { border-color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-2); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { width: 40px; height: 40px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1.35rem; color: var(--navy); letter-spacing: -0.02em; }
.brand-name span { color: var(--amber); }
.brand-tag { font-size: .62rem; font-weight: 600; letter-spacing: .22em; color: var(--muted); margin-top: 4px; }
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav-links a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; }
.nav-links a:hover { color: var(--amber-dark); }
.nav-cta { padding: 10px 18px; font-size: .95rem; white-space: nowrap; }

/* Hero */
.hero { position: relative; background: radial-gradient(1200px 500px at 85% -10%, rgba(245,165,36,.22), transparent 60%), linear-gradient(160deg, var(--navy) 0%, #0b1f33 100%); color: var(--white); overflow: hidden; }
.hero .container { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; padding-top: 88px; padding-bottom: 96px; }
.hero h1 { color: var(--white); }
.hero h1 em { font-style: normal; color: var(--amber); }
.hero p.lead { font-size: 1.15rem; color: #c9d6e3; max-width: 540px; margin-bottom: 28px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 32px 0 0; padding: 0; list-style: none; color: #c9d6e3; font-size: .95rem; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.hero-points li::before { content: ""; width: 18px; height: 18px; border-radius: 50%; background: var(--amber) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='%230f2a44' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat; flex: none; }
.hero-art { width: 100%; max-width: 480px; justify-self: end; }

/* Trust strip */
.trust { background: var(--white); border-bottom: 1px solid var(--line); }
.trust .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; padding-top: 28px; padding-bottom: 28px; }
.trust-item { display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--navy); font-size: .95rem; }
.trust-item .ico { width: 40px; height: 40px; border-radius: 10px; background: #fff4e0; display: grid; place-items: center; flex: none; }
.trust-item .ico svg { width: 22px; height: 22px; }

/* Cards */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.card .ico { width: 48px; height: 48px; border-radius: 12px; background: var(--navy); display: grid; place-items: center; margin-bottom: 18px; }
.card .ico svg { width: 26px; height: 26px; }
.card p { color: var(--muted); margin: 0; }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step-num { font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 2.6rem; color: var(--amber); line-height: 1; margin-bottom: 10px; }
.step p { color: var(--muted); }

/* Split / why */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.check-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 16px; }
.check-list li { display: grid; grid-template-columns: 28px 1fr; gap: 12px; }
.check-list li::before { content: ""; width: 24px; height: 24px; margin-top: 2px; border-radius: 50%; background: var(--amber) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='%230f2a44' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.check-list strong { color: var(--navy); display: block; }
.check-list span { color: var(--muted); }
.stat-panel { background: var(--navy); color: var(--white); border-radius: 20px; padding: 40px; display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.stat-panel div strong { display: block; font-family: "Montserrat", sans-serif; font-size: 2rem; font-weight: 800; color: var(--amber); }
.stat-panel div span { color: #c9d6e3; font-size: .95rem; }

/* FAQ */
.faq { max-width: 820px; }
.faq details { border: 1px solid var(--line); border-radius: 12px; background: var(--white); margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--amber-dark); }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 22px 18px; margin: 0; color: var(--muted); }

/* Contact */
.contact-wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 40px; align-items: start; }
.contact-info { background: var(--navy); color: var(--white); border-radius: 20px; padding: 36px; }
.contact-info h2 { color: var(--white); }
.contact-info p { color: #c9d6e3; }
.contact-list { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 20px; }
.contact-list li { display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: start; }
.contact-list .ico { width: 40px; height: 40px; border-radius: 10px; background: rgba(245,165,36,.15); display: grid; place-items: center; }
.contact-list .ico svg { width: 20px; height: 20px; }
.contact-list small { display: block; color: #9fb2c6; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; }
.contact-list a, .contact-list address { color: var(--white); text-decoration: none; font-style: normal; font-weight: 600; }

.form-card { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 36px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .9rem; color: var(--navy); }
.field label .req { color: #c0392b; }
.field input, .field select, .field textarea { font: inherit; padding: 12px 14px; border: 1px solid #cfd8e2; border-radius: 10px; background: var(--white); color: var(--ink); width: 100%; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--amber); box-shadow: 0 0 0 3px rgba(245,165,36,.25); }
.field textarea { min-height: 110px; resize: vertical; }

.consent { margin-top: 20px; display: grid; gap: 14px; }
.consent-item { display: grid; grid-template-columns: 22px 1fr; gap: 12px; align-items: start; background: var(--bg-soft); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; }
.consent-item input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--navy); }
.consent-item label { font-size: .84rem; color: var(--muted); line-height: 1.55; }
.consent-item label strong { color: var(--navy); }
.form-legal { font-size: .8rem; color: var(--muted); margin-top: 14px; }
.form-actions { margin-top: 20px; }
.form-actions .btn { width: 100%; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin-top: 14px; padding: 12px 14px; border-radius: 10px; font-size: .92rem; display: none; }
.form-status.ok { display: block; background: #e8f6ee; color: #17663a; }
.form-status.err { display: block; background: #fdecea; color: #a12a1e; }

/* CTA band */
.cta-band { background: var(--amber); }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 44px; padding-bottom: 44px; flex-wrap: wrap; }
.cta-band h2 { margin: 0; }
.cta-band p { margin: 6px 0 0; color: var(--navy); }

/* Footer */
.site-footer { background: #0a1d30; color: #9fb2c6; padding: 56px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
.site-footer h4 { color: var(--white); font-family: "Montserrat", sans-serif; font-size: .95rem; margin: 0 0 14px; }
.site-footer a { color: #c9d6e3; text-decoration: none; }
.site-footer a:hover { color: var(--amber); }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer .brand-name { color: var(--white); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); margin-top: 40px; padding-top: 22px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: .84rem; }

/* Legal pages */
.legal-hero { background: var(--navy); color: var(--white); padding: 64px 0 48px; }
.legal-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.8rem); }
.legal-hero p { color: #c9d6e3; margin: 0; }
.legal { max-width: 820px; padding: 56px 20px 88px; }
.legal h2 { font-size: 1.4rem; margin-top: 2em; }
.legal h3 { margin-top: 1.4em; }
.legal ul { padding-left: 1.2em; }
.legal li { margin-bottom: .4em; }
.legal .callout { background: #fff8eb; border-left: 4px solid var(--amber); padding: 16px 20px; border-radius: 8px; margin: 1.2em 0; }

/* Responsive */
@media (max-width: 960px) {
  .hero .container, .split, .contact-wrap { grid-template-columns: 1fr; }
  .hero-art { justify-self: center; max-width: 380px; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .trust .container { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links li:not(.keep) { display: none; }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .grid-3, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust .container { grid-template-columns: 1fr; }
  .stat-panel { padding: 28px; }
  .form-card, .contact-info { padding: 24px; }
  .brand-tag { display: none; }
  .nav-cta { padding: 9px 12px; font-size: .85rem; }
  .hero .container { padding-top: 56px; padding-bottom: 64px; }
}