:root {
  --bg: #f5f8fc;
  --surface: #ffffff;
  --surface-2: #f8fbff;
  --text: #10233f;
  --muted: #5a6b86;
  --line: #dbe5f2;
  --primary: #1f4fa3;
  --primary-2: #315fbc;
  --accent: #0d9488;
  --accent-soft: #e8faf7;
  --shadow: 0 18px 50px rgba(16, 35, 63, 0.10);
  --radius: 24px;
  --radius-sm: 16px;
  --container: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #f8fbff 0%, #f4f7fb 100%);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(calc(100% - 32px), var(--container)); margin: 0 auto; }
.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.soft-bg { background: linear-gradient(180deg, #f8fbff 0%, #eef5fd 100%); }
.muted { color: var(--muted); }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px; border-radius: 999px; background: #edf3fb;
  color: var(--primary); font-weight: 700; font-size: 13px; letter-spacing: .02em;
}
.site-header {
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(18px);
  background: rgba(248, 251, 255, 0.84);
  border-bottom: 1px solid rgba(219, 229, 242, 0.8);
}
.nav-wrap { display:flex; align-items:center; justify-content:space-between; min-height: 84px; gap: 20px; }
.logo { display:flex; align-items:center; gap:12px; font-weight:800; font-size: 20px; }
.logo-mark {
  width:42px; height:42px; border-radius:14px; display:grid; place-items:center;
  background: linear-gradient(135deg, var(--primary), var(--accent)); color:white;
  box-shadow: 0 12px 30px rgba(31,79,163,.22);
}
.main-nav { display:flex; align-items:center; gap:26px; }
.main-nav a { color: var(--muted); font-weight: 600; }
.main-nav a:hover { color: var(--text); }
.nav-cta { margin-left: 6px; }
.menu-btn { display:none; background:none; border:none; font-size: 28px; color: var(--text); }
.btn {
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  min-height: 52px; padding: 0 24px; border-radius: 999px; border:1px solid transparent;
  font-weight: 700; transition: .2s ease; cursor:pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: linear-gradient(135deg, var(--primary), var(--primary-2)); color:white; box-shadow: 0 14px 30px rgba(31,79,163,.25); }
.btn-primary:hover { box-shadow: 0 18px 34px rgba(31,79,163,.28); }
.btn-secondary { background: white; border-color: var(--line); color: var(--text); }
.btn-ghost { background: rgba(255,255,255,.55); border-color: var(--line); color: var(--text); }
.hero { padding: 74px 0 48px; }
.hero-grid { display:grid; grid-template-columns: 1.1fr .9fr; gap: 42px; align-items:center; }
.hero h1 { font-size: clamp(38px, 5vw, 68px); line-height: 1.03; letter-spacing: -0.03em; margin: 18px 0 20px; }
.lead { font-size: 19px; color: var(--muted); max-width: 760px; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; margin: 30px 0 26px; }
.trust-points, .check-list, .bullet-list { list-style:none; padding:0; margin:0; display:grid; gap:12px; }
.trust-points li, .check-list li, .bullet-list li {
  position:relative; padding-left: 28px; color: var(--text); font-weight: 500;
}
.trust-points li::before, .check-list li::before, .bullet-list li::before {
  content: '•'; position:absolute; left: 10px; top: 0; color: var(--accent); font-size: 20px;
}
.glass-card, .card, .feature-card, .step-card, .article-card, .panel, .faq-card, .contact-card, .legal-card {
  background: rgba(255,255,255,.88); border:1px solid rgba(219,229,242,.95); border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.glass-card { padding: 28px; }
.hero-card { position:relative; overflow:hidden; }
.hero-card::after {
  content:''; position:absolute; inset:auto -10% -40% auto; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(13,148,136,.12), transparent 66%);
}
.metric-row { display:flex; justify-content:space-between; align-items:center; gap:20px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.metric-row strong { display:block; font-size: 24px; }
.metric-label { display:block; color: var(--muted); font-size: 14px; margin-bottom: 6px; }
.metric-tag { padding:8px 12px; border-radius:999px; background: var(--accent-soft); color: var(--accent); font-weight:700; }
.progress-list { display:grid; gap:14px; margin: 24px 0; }
.progress-item { display:flex; gap:12px; align-items:center; color: var(--muted); }
.progress-item span { width: 14px; height:14px; border-radius:50%; border: 2px solid #b9c7dc; }
.progress-item.active { color: var(--text); font-weight:600; }
.progress-item.active span { background: var(--accent); border-color: var(--accent); box-shadow: 0 0 0 4px rgba(13,148,136,.12); }
.summary-box { padding: 18px 18px 20px; border-radius: 18px; background: linear-gradient(180deg, #f8fbff, #f3f8ff); border:1px solid var(--line); }
.summary-title { margin:0 0 8px; font-weight: 700; }
.stats-strip { padding-top: 24px; }
.stats-grid { display:grid; grid-template-columns: repeat(4,1fr); gap:16px; }
.stats-grid article { background: #fff; border:1px solid var(--line); border-radius: 22px; padding: 22px; box-shadow: var(--shadow); }
.stats-grid strong { display:block; font-size: 28px; margin-bottom: 4px; }
.section-heading { max-width: 760px; margin-bottom: 30px; }
.section-heading h2 { font-size: clamp(28px, 4vw, 48px); line-height:1.08; letter-spacing:-.03em; margin: 16px 0 12px; }
.section-heading p { color: var(--muted); font-size: 18px; }
.steps-grid, .feature-grid, .article-grid { display:grid; grid-template-columns: repeat(3,1fr); gap:20px; }
.steps-grid { grid-template-columns: repeat(4,1fr); }
.step-card, .feature-card, .article-card { padding: 28px; }
.step-number { display:inline-flex; width: 42px; height:42px; border-radius: 14px; background: #edf3fb; color: var(--primary); align-items:center; justify-content:center; font-weight:800; margin-bottom: 18px; }
.two-col, .hero-split, .contact-grid, .legal-grid, .process-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 26px; align-items: start; }
.info-panel, .panel { padding: 28px; }
.info-panel h3, .panel h3 { margin-top: 0; }
.info-panel ul, .panel ul { padding-left: 18px; color: var(--muted); }
.form-section { padding-top: 28px; }
.form-grid { display:grid; grid-template-columns: .95fr 1.05fr; gap: 24px; align-items:start; }
.form-intro { padding: 32px; }
.qualify-form { padding: 28px; }
.form-row { display:grid; grid-template-columns: 1fr 1fr; gap:16px; }
.field { display:flex; flex-direction:column; gap:8px; margin-bottom: 16px; }
.field label { font-weight:700; font-size: 14px; }
.field input, .field select, .field textarea {
  width:100%; min-height: 52px; border-radius: 16px; border:1px solid #cfdced; background: #fbfdff;
  padding: 14px 16px; font: inherit; color: var(--text); outline: none;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(31,79,163,.10); }
.form-note { color: var(--muted); font-size: 14px; margin-top: 14px; }
.form-status { margin-top: 16px; padding: 14px 16px; border-radius: 14px; display:none; }
.form-status.success { display:block; background:#ecfdf5; color:#166534; border:1px solid #bbf7d0; }
.form-status.error { display:block; background:#fef2f2; color:#991b1b; border:1px solid #fecaca; }
.quote-card { padding: 28px; background: linear-gradient(180deg, #12366f, #0f2550); color:white; }
.quote-card p { font-size: 22px; line-height: 1.5; margin: 0 0 18px; }
.quote-card span { color: rgba(255,255,255,.72); }
.faq-list { display:grid; gap: 16px; }
.faq-item { padding: 22px 24px; }
.faq-item h3 { margin: 0 0 10px; font-size: 20px; }
.cta-band { padding: 38px 0 88px; }
.cta-box { padding: 34px; display:flex; align-items:center; justify-content:space-between; gap:20px; background: linear-gradient(135deg, #103165, #1f4fa3); color:white; }
.cta-box h2 { margin: 0 0 8px; font-size: 34px; }
.cta-box p { margin: 0; color: rgba(255,255,255,.82); }
.site-footer { border-top: 1px solid var(--line); background: #f8fbff; }
.footer-grid { display:grid; grid-template-columns: 1.2fr .8fr .8fr; gap:24px; padding: 42px 0; }
.footer-links { display:grid; gap:12px; color: var(--muted); }
.footer-links a:hover { color: var(--text); }
.footer-bottom { padding: 0 0 32px; color: var(--muted); font-size:14px; }
.inline-badge { display:inline-flex; padding: 6px 10px; border-radius:999px; background: #edf3fb; color: var(--primary); font-weight: 700; font-size: 13px; }
.kpi-grid { display:grid; grid-template-columns: repeat(3,1fr); gap:20px; }
.kpi-grid .card { padding: 24px; }
.kpi-grid strong { display:block; font-size: 26px; margin-bottom: 6px; }
.contact-card, .legal-card { padding: 28px; }
.contact-list { display:grid; gap:12px; }
.breadcrumbs { font-size: 14px; color: var(--muted); margin-bottom: 20px; }
.breadcrumbs a { color: var(--muted); }
.hero-subpage { padding: 54px 0 30px; }
.hero-subpage h1 { font-size: clamp(34px, 4vw, 56px); line-height: 1.05; letter-spacing:-.03em; margin: 18px 0 16px; }
.table-like { display:grid; gap: 14px; }
.table-row { display:grid; grid-template-columns: .65fr 1.35fr; gap: 20px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.notice { padding: 18px 20px; border-left: 4px solid var(--accent); background: #f3fffd; border-radius: 0 16px 16px 0; color: #134e4a; }
@media (max-width: 1080px) {
  .hero-grid, .form-grid, .two-col, .contact-grid, .legal-grid, .process-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .feature-grid, .article-grid, .stats-grid, .kpi-grid { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .main-nav {
    position: absolute; top: 84px; left: 16px; right: 16px; background: rgba(255,255,255,.98);
    border: 1px solid var(--line); border-radius: 22px; padding: 18px; box-shadow: var(--shadow);
    display: none; flex-direction: column; align-items: stretch;
  }
  .main-nav.open { display:flex; }
  .menu-btn { display:block; }
  .hero { padding-top: 48px; }
  .steps-grid, .feature-grid, .article-grid, .stats-grid, .kpi-grid, .form-row, .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .cta-box { flex-direction: column; align-items:flex-start; }
  .table-row { grid-template-columns: 1fr; gap: 8px; }
}