:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --ink: #102433;
  --muted: #4a5d6a;
  --line: #d7e0e8;
  --brand: #0b3d5c;
  --brand-2: #1475a8;
  --accent: #c45c26;
  --accent-ink: #fff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(16, 36, 51, 0.08);
  --max: 1080px;
  --header: 64px;
  --font: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  padding-bottom: 76px;
}
img { max-width: 100%; height: auto; }
a { color: var(--brand-2); }
a:hover { color: var(--brand); }

.skip {
  position: absolute; left: -999px; top: 0;
  background: #000; color: #fff; padding: .5rem 1rem; z-index: 1000;
}
.skip:focus { left: 0; }

.wrap { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.narrow { width: min(100% - 2rem, 720px); }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  min-height: var(--header);
  display: flex; align-items: center; gap: 1rem;
}
.brand {
  display: inline-flex; align-items: center; gap: .45rem;
  text-decoration: none; color: var(--brand); font-weight: 800; letter-spacing: .01em;
}
.brand-mark { font-size: 1.15rem; }
.nav { display: none; gap: 1rem; margin-left: auto; }
.nav a { text-decoration: none; color: var(--muted); font-size: .95rem; font-weight: 600; }
.nav a:hover { color: var(--brand); }
.header-ctas { display: flex; gap: .5rem; margin-left: auto; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: .35rem; border-radius: 999px; padding: .65rem 1.05rem;
  font-weight: 700; text-decoration: none; border: 2px solid transparent;
  line-height: 1.1; white-space: nowrap;
}
.btn:focus-visible { outline: 3px solid #7ec8ff; outline-offset: 2px; }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: #083047; color: #fff; }
.btn-accent { background: var(--accent); color: var(--accent-ink); }
.btn-accent:hover { filter: brightness(.95); color: #fff; }
.btn-ghost { background: #fff; color: var(--brand); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--brand-2); color: var(--brand); }
.btn-lg { padding: .85rem 1.25rem; font-size: 1.02rem; }
.btn-block { width: 100%; }
.btn-primary.btn-block { margin-bottom: .65rem; }

.hero {
  padding: 2.25rem 0 2rem;
  background:
    radial-gradient(1200px 400px at 10% -10%, rgba(20,117,168,.18), transparent 60%),
    linear-gradient(180deg, #fff, var(--bg));
}
.hero-grid { display: grid; gap: 1.5rem; }
.eyebrow {
  display: inline-block; margin: 0 0 .75rem;
  color: var(--brand-2); font-weight: 800; text-transform: uppercase;
  letter-spacing: .06em; font-size: .78rem;
}
h1 {
  margin: 0 0 .75rem; font-size: clamp(1.85rem, 5vw, 2.75rem);
  line-height: 1.12; letter-spacing: -.02em;
}
.lead { font-size: 1.1rem; color: var(--muted); margin: 0 0 1.25rem; max-width: 38rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: .65rem; margin-bottom: 1rem; }
.fine { color: var(--muted); font-size: .9rem; }

.hero-card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px); padding: 1.25rem;
  box-shadow: var(--shadow);
}
.h3, h3 { margin: 0 0 .75rem; font-size: 1.15rem; }
.checklist { margin: 0 0 1rem; padding-left: 1.1rem; color: var(--muted); }
.checklist li { margin: .35rem 0; }
.text-link { font-weight: 700; text-decoration: none; }

.trust { background: var(--brand); color: #e8f4fb; }
.trust-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: .75rem 1rem;
  padding: 1rem 0; font-size: .95rem;
}
.trust strong { color: #fff; }

.section { padding: 2.75rem 0; }
.section-tint { background: #eef4f8; }
.section h2 {
  margin: 0 0 .5rem; font-size: clamp(1.45rem, 3vw, 2rem); letter-spacing: -.01em;
}
.section-lead { color: var(--muted); margin: 0 0 1.5rem; max-width: 40rem; }

.cards { display: grid; gap: 1rem; }
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.25rem; box-shadow: var(--shadow);
}
.card p { color: var(--muted); }

.promo {
  display: flex; flex-direction: column; gap: 1rem; align-items: flex-start;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 2px); padding: 1.35rem;
  box-shadow: var(--shadow);
}

.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.steps li {
  display: grid; grid-template-columns: auto 1fr; gap: .9rem;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1rem 1.1rem;
}
.step-num {
  width: 2rem; height: 2rem; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--brand); color: #fff; font-weight: 800;
}
.steps h3 { margin: 0 0 .25rem; }
.steps p { margin: 0; color: var(--muted); }

.embed-slot {
  border: 2px dashed #9bb4c5; border-radius: var(--radius);
  background: #fff; min-height: 180px;
  display: grid; place-items: center; padding: 1.25rem; text-align: center;
}
.embed-placeholder { margin: 0; color: var(--muted); max-width: 28rem; }

.faq {
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  padding: .85rem 1rem; margin: 0 0 .65rem;
}
.faq summary { cursor: pointer; font-weight: 700; }
.faq p { margin: .65rem 0 0; color: var(--muted); }

.cta-band { background: linear-gradient(135deg, var(--brand), #0f5f86); color: #fff; }
.cta-band-inner { text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d7ecf7; }
.cta-band .hero-ctas { justify-content: center; }

.site-footer {
  border-top: 1px solid var(--line); background: #fff; padding: 2rem 0 1.5rem;
}
.footer-inner { display: grid; gap: 1rem; }
.footer-inner a { font-weight: 700; text-decoration: none; }

.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  display: grid; grid-template-columns: 1fr 1fr; gap: .5rem;
  padding: .65rem .75rem calc(.65rem + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.96); border-top: 1px solid var(--line);
  backdrop-filter: blur(10px);
}

@media (min-width: 760px) {
  body { padding-bottom: 0; }
  .mobile-bar { display: none; }
  .nav { display: flex; }
  .header-ctas { margin-left: 0; }
  .hero-grid { grid-template-columns: 1.4fr .9fr; align-items: start; gap: 2rem; }
  .trust-row { grid-template-columns: repeat(4, 1fr); }
  .cards { grid-template-columns: 1fr 1fr; }
  .promo { flex-direction: row; align-items: center; justify-content: space-between; }
  .footer-inner { grid-template-columns: 1.4fr 1fr 1fr; align-items: start; }
}

@media (max-width: 420px) {
  .header-ctas .btn-ghost { display: none; }
}