:root {
  --navy: #0f2c4c;
  --navy-deep: #0a1f36;
  --teal: #1a7a7a;
  --teal-dark: #146363;
  --teal-soft: #e6f4f4;
  --gold: #c4a35a;
  --ink: #1c2430;
  --muted: #5b6775;
  --line: #d7dee6;
  --paper: #f6f8fb;
  --white: #ffffff;
  --danger: #b42318;
  --ok: #0f6b4c;
  --shadow: 0 10px 30px rgba(15, 44, 76, 0.08);
  --radius: 14px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Source Sans 3", "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

a { color: var(--teal-dark); }
img { max-width: 100%; }

.wrap {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 20;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 76px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--teal) 100%);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 700;
  letter-spacing: 0.04em;
  font-size: 13px;
}
.brand-text strong {
  display: block;
  font-size: 15px;
  letter-spacing: 0.01em;
}
.brand-text span {
  display: block;
  font-size: 12px;
  color: var(--muted);
  font-weight: 400;
}

nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 18px;
  align-items: center;
}
nav a {
  text-decoration: none;
  color: var(--navy);
  font-size: 15px;
  font-weight: 600;
}
nav a:hover, nav a.active { color: var(--teal); }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--teal);
  color: #fff !important;
  text-decoration: none;
  border: 0;
  border-radius: 10px;
  padding: 11px 18px;
  font-weight: 650;
  cursor: pointer;
  font-size: 15px;
}
.btn:hover { background: var(--teal-dark); }
.btn-outline {
  background: transparent;
  color: var(--navy) !important;
  border: 1px solid var(--line);
}
.btn-outline:hover { border-color: var(--teal); color: var(--teal) !important; }

/* Hero */
.hero {
  background:
    radial-gradient(circle at 85% 10%, rgba(26,122,122,0.16), transparent 36%),
    linear-gradient(180deg, #ffffff 0%, #eef4f8 100%);
  padding: 64px 0 48px;
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: start;
}
.kicker {
  color: var(--teal-dark);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 12px;
  margin: 0 0 10px;
}
h1, h2, h3 { font-family: "Source Serif 4", Georgia, serif; color: var(--navy); line-height: 1.2; }
h1 { font-size: clamp(32px, 5vw, 48px); margin: 0 0 16px; }
h2 { font-size: 30px; margin: 0 0 12px; }
h3 { font-size: 20px; margin: 0 0 8px; }
.lede { font-size: 18px; color: var(--muted); max-width: 58ch; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.trust-row {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 28px;
  color: var(--muted);
  font-size: 14px;
}
.trust-row span { display: flex; align-items: center; gap: 8px; }

/* Cards */
.panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 22px;
}
.section { padding: 64px 0; }
.section.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid-3, .grid-2 {
  display: grid;
  gap: 18px;
}
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: 1fr 1fr; }
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}
.icon {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  background: var(--teal-soft);
  color: var(--teal-dark);
  display: grid;
  place-items: center;
  font-weight: 700;
  margin-bottom: 12px;
}
.muted { color: var(--muted); }
.center { text-align: center; }
.narrow { max-width: 720px; margin-left: auto; margin-right: auto; }

/* Form */
label { display: block; font-weight: 650; font-size: 14px; margin-bottom: 6px; }
input, select, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 11px 12px;
  font: inherit;
  background: #fff;
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid rgba(26,122,122,0.25);
  border-color: var(--teal);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.full { grid-column: 1 / -1; }
.hint { font-size: 13px; color: var(--muted); font-weight: 400; margin-top: 4px; }
.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 12px;
  margin-top: 10px;
}
.consent input { width: auto; margin-top: 4px; }
.consent label { font-weight: 500; margin: 0; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 12px; }
.error { color: var(--danger); font-size: 13px; display: none; margin-top: 6px; }
.success {
  display: none;
  background: #e8f6ef;
  border: 1px solid #b7e0cc;
  color: var(--ok);
  border-radius: 10px;
  padding: 16px;
}

/* Lists / FAQ */
.steps { counter-reset: step; display: grid; gap: 14px; }
.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 18px 18px 72px;
  position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 18px;
  top: 18px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 700;
}
.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 18px;
  margin-bottom: 10px;
}
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); }
.faq p { margin: 10px 0 4px; color: var(--muted); }

/* Footer */
footer {
  background: var(--navy-deep);
  color: #d5deea;
  padding: 40px 0 24px;
}
footer a { color: #fff; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 24px;
  margin-bottom: 24px;
}
.fine {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 16px;
  font-size: 13px;
  color: #9eb0c4;
}
.chip {
  display: inline-block;
  background: var(--teal-soft);
  color: var(--teal-dark);
  border-radius: 999px;
  padding: 4px 10px;
  font-size: 13px;
  font-weight: 650;
  margin: 0 6px 8px 0;
}

@media (max-width: 860px) {
  .hero-grid, .grid-3, .grid-2, .footer-grid, .form-grid { grid-template-columns: 1fr; }
  nav { display: none; }
  .header-inner { min-height: 64px; }
  .mobile-nav { display: flex !important; }
}
.mobile-nav {
  display: none;
  gap: 8px;
  padding: 0 0 14px;
  flex-wrap: wrap;
}
.mobile-nav a {
  text-decoration: none;
  color: var(--navy);
  font-size: 13px;
  font-weight: 650;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 10px;
}