:root {
  --bg: #ffffff;
  --ink: #0B1F33;
  --muted: #5B6B7A;
  --brand: #0077C8;
  --brand-2: #0A5EA6;
  --line: #E6EEF6;
  --card: #F7FAFD;
  --shadow: 0 10px 30px rgba(11,31,51,.10);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; }

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

.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  background: #000;
  color: #fff;
  padding: 10px 14px;
  border-radius: 10px;
}
.skip-link:focus { left: 12px; z-index: 9999; }

header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(10px);
  background: rgba(255,255,255,.78);
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 220px;
}

.brand img {
  width: 40px;
  height: 40px;
}

.brand span {
  font-weight: 800;
  letter-spacing: .6px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-weight: 600;
  font-size: 14px;
}

.nav-links a:hover { color: var(--ink); }

.nav-cta {
  display: flex;
  align-items: center;
  gap: 10px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 14px;
  border: 1px solid transparent;
  transition: transform .08s ease, background .2s ease, border-color .2s ease, box-shadow .2s ease;
  user-select: none;
  cursor: pointer;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--brand);
  color: #fff;
  box-shadow: var(--shadow);
}
.btn-primary:hover { background: var(--brand-2); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: #CFE1F3; background: #F2F7FC; }

.mobile-toggle {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  padding: 10px 12px;
  cursor: pointer;
}

.hero {
  padding: 56px 0 26px;
  background:
    radial-gradient(1200px 500px at 20% -10%, rgba(0,119,200,.18), transparent 60%),
    radial-gradient(900px 420px at 85% 10%, rgba(11,31,51,.12), transparent 55%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 28px;
  align-items: center;
}

.kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--muted);
  font-weight: 700;
  font-size: 13px;
  background: rgba(255,255,255,.7);
}

h1 {
  font-size: clamp(34px, 4vw, 52px);
  line-height: 1.08;
  margin: 14px 0 12px;
  letter-spacing: -0.8px;
}

.hero p {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 17px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 12px;
}

.hero-cards {
  display: grid;
  gap: 12px;
}

.panel {
  border: 1px solid var(--line);
  background: rgba(255,255,255,.8);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: 0 8px 24px rgba(11,31,51,.06);
}

.panel h3 {
  margin: 0 0 6px;
  font-size: 16px;
}

.panel p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 14px;
}

.stat {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 16px;
  padding: 14px;
}
.stat strong {
  display: block;
  font-size: 18px;
}
.stat span {
  color: var(--muted);
  font-size: 13px;
}

.section {
  padding: 58px 0;
}

.section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
}

.section-head h2 {
  margin: 0;
  font-size: clamp(24px, 2.4vw, 34px);
  letter-spacing: -0.4px;
}
.section-head p {
  margin: 0;
  color: var(--muted);
  max-width: 520px;
}

.grid {
  display: grid;
  gap: 14px;
}

.cards {
  grid-template-columns: repeat(12, 1fr);
}

.card {
  grid-column: span 6;
  border: 1px solid var(--line);
  background: var(--card);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: 0 10px 24px rgba(11,31,51,.05);
}
.card h3 {
  margin: 0 0 8px;
  font-size: 18px;
}
.card p {
  margin: 0 0 12px;
  color: var(--muted);
}
.bullets {
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
}
.bullets li { margin: 6px 0; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--muted);
  font-weight: 700;
  font-size: 12px;
  margin-bottom: 10px;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.steps {
  display: grid;
  gap: 12px;
}

.step {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 12px;
  align-items: start;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
  background: #fff;
}
.step .num {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: rgba(0,119,200,.10);
  color: var(--brand);
  font-weight: 900;
}
.step h4 {
  margin: 0 0 4px;
}
.step p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.quote {
  border: 1px solid var(--line);
  background: linear-gradient(180deg, rgba(0,119,200,.08), rgba(255,255,255,1));
  border-radius: var(--radius);
  padding: 20px;
}
.quote strong { display: block; margin-bottom: 8px; }
.quote p { margin: 0; color: var(--muted); }

.form {
  display: grid;
  gap: 12px;
}
.field {
  display: grid;
  gap: 6px;
}
label { font-weight: 700; font-size: 13px; }
input, textarea, select {
  width: 100%;
  padding: 12px 12px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
  font: inherit;
}
textarea { min-height: 120px; resize: vertical; }

.footer {
  padding: 32px 0 40px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 14px;
}
.footer a { text-decoration: underline; text-underline-offset: 3px; }
.small { font-size: 12px; color: var(--muted); }

.toast {
  position: fixed;
  right: 18px;
  bottom: 18px;
  width: min(420px, calc(100% - 36px));
  background: #0B1F33;
  color: #fff;
  border-radius: 16px;
  padding: 14px 14px;
  box-shadow: var(--shadow);
  display: none;
  z-index: 60;
}
.toast.show { display: block; }

@media (max-width: 920px) {
  .hero-grid { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .card { grid-column: span 12; }
}

@media (max-width: 760px) {
  .nav-links {
    position: fixed;
    left: 20px;
    right: 20px;
    top: 76px;
    background: rgba(255,255,255,.96);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 12px;
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    display: none;
  }
  .nav-links.open { display: flex; }
  .mobile-toggle { display: inline-flex; }
  .nav-cta .btn-ghost { display: none; }
}