:root {
  --bg: #f7f9fb;
  --surface: #ffffff;
  --surface-alt: #eef7fb;
  --text: #263548;
  --muted: #607083;
  --border: #dce5ec;
  --accent: #168fc3;
  --accent-dark: #0d6f9a;
  --radius: 22px;
  --shadow: 0 18px 55px rgba(34, 55, 78, 0.1);
  --wrap: min(1120px, calc(100vw - 32px));
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at 10% 0%, rgba(22, 143, 195, 0.1), transparent 34rem),
    var(--bg);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}

a { color: inherit; }
img { max-width: 100%; height: auto; }
.wrap { width: var(--wrap); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid rgba(220, 229, 236, 0.9);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
}

.header-row,
.footer-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.header-row { min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 11px; font-weight: 800; text-decoration: none; }
.brand img { width: 40px; height: 40px; object-fit: contain; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { color: var(--muted); font-size: 0.94rem; font-weight: 700; text-decoration: none; }
.nav a:hover { color: var(--accent-dark); }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: var(--surface);
  color: var(--text);
  font-weight: 800;
  text-decoration: none;
}

.button.primary { border-color: var(--accent); background: var(--accent); color: #fff; }
.button.primary:hover { background: var(--accent-dark); }

.breadcrumbs { padding-top: 28px; color: var(--muted); font-size: 0.9rem; }
.breadcrumbs a { color: var(--accent-dark); text-decoration: none; }

.hero { padding: 56px 0 46px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(300px, 0.95fr); gap: 54px; align-items: center; }
.eyebrow { margin-bottom: 15px; color: var(--accent-dark); font-size: 0.8rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; }
h1, h2, h3 { margin-top: 0; line-height: 1.08; letter-spacing: -0.025em; }
h1 { max-width: 15ch; margin-bottom: 22px; font-size: clamp(2.5rem, 6vw, 4.8rem); }
h2 { margin-bottom: 18px; font-size: clamp(1.8rem, 4vw, 3rem); }
h3 { margin-bottom: 10px; font-size: 1.2rem; }
.lede { max-width: 65ch; margin: 0 0 28px; color: var(--muted); font-size: 1.12rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.trust-line { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: 22px; color: var(--muted); font-size: 0.92rem; }
.trust-line span::before { content: "✓"; margin-right: 7px; color: var(--accent-dark); font-weight: 900; }

.hero-card {
  padding: 28px;
  border: 1px solid var(--border);
  border-radius: 30px;
  background: linear-gradient(150deg, #fff, var(--surface-alt));
  box-shadow: var(--shadow);
}
.hero-card p { margin: 0 0 18px; color: var(--muted); }
.check-list { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 27px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--accent-dark); font-weight: 900; }

.section { padding: 54px 0; }
.section.alt { border-block: 1px solid var(--border); background: rgba(255, 255, 255, 0.72); }
.section-intro { max-width: 720px; margin-bottom: 28px; }
.section-intro p { margin: 0; color: var(--muted); }
.grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card { padding: 25px; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); box-shadow: 0 8px 28px rgba(34, 55, 78, 0.06); }
.card p { margin: 0; color: var(--muted); }
.card a { color: var(--accent-dark); font-weight: 800; text-decoration: none; }
.number { display: block; margin-bottom: 12px; color: var(--accent-dark); font-size: 0.8rem; font-weight: 900; letter-spacing: 0.1em; }

.split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: start; }
.plain-list { margin: 0; padding-left: 20px; }
.plain-list li + li { margin-top: 10px; }
.note { padding: 22px; border-left: 4px solid var(--accent); border-radius: 0 16px 16px 0; background: var(--surface-alt); }
.note p { margin: 0; }

.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { padding: 20px 22px; border: 1px solid var(--border); border-radius: 16px; background: var(--surface); }
.faq summary { cursor: pointer; font-weight: 800; }
.faq p { margin: 12px 0 0; color: var(--muted); }

.cta { margin: 54px auto; padding: 40px; border-radius: 30px; background: #263548; color: #fff; }
.cta p { max-width: 700px; color: #d8e1e9; }
.cta .button { border-color: #fff; }

.related { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.related a { padding: 18px; border: 1px solid var(--border); border-radius: 16px; background: var(--surface); color: var(--accent-dark); font-weight: 800; text-decoration: none; }

.site-footer { margin-top: 60px; padding: 30px 0; border-top: 1px solid var(--border); color: var(--muted); font-size: 0.9rem; }
.footer-row nav { display: flex; flex-wrap: wrap; gap: 16px; }
.footer-row a { color: var(--muted); }

@media (max-width: 820px) {
  .hero-grid, .split, .grid, .grid.two, .related { grid-template-columns: 1fr; }
  .nav a:not(.button) { display: none; }
  .hero { padding-top: 38px; }
  .section { padding: 42px 0; }
  .footer-row { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 520px) {
  .header-row { min-height: 68px; }
  .nav .button { min-height: 42px; padding: 0 14px; }
  .hero-card, .cta { padding: 24px; border-radius: 22px; }
}