:root {
  --navy: #071b3b;
  --navy-2: #0d2d5d;
  --blue: #1e5fa7;
  --sky: #eaf3fb;
  --ice: #f6f9fc;
  --white: #ffffff;
  --ink: #132033;
  --muted: #607089;
  --line: #dce5ef;
  --success: #1f7a53;
  --shadow: 0 18px 45px rgba(7, 27, 59, 0.12);
  --radius: 22px;
  --radius-sm: 14px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.container { width: min(calc(100% - 40px), var(--max)); margin: 0 auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin: 0 auto; }
.section { padding: 88px 0; }
.section-soft { background: var(--ice); }
.section-dark { background: var(--navy); color: var(--white); }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--blue);
  font-weight: 800;
  font-size: .79rem;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: currentColor; }
.section-dark .eyebrow { color: #8fc6ff; }
h1, h2, h3 { margin: 0 0 16px; color: var(--navy); line-height: 1.1; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--white); }
h1 { font-size: clamp(2.65rem, 6vw, 5.25rem); letter-spacing: -.055em; }
h2 { font-size: clamp(2rem, 4vw, 3.5rem); letter-spacing: -.04em; }
h3 { font-size: 1.25rem; }
.lead { font-size: clamp(1.06rem, 2vw, 1.28rem); color: var(--muted); max-width: 690px; }
.section-dark .lead { color: #c8d5e8; }
.muted { color: var(--muted); }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.topbar {
  background: var(--navy);
  color: #dce9f8;
  font-size: .87rem;
  padding: 8px 0;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}
.topbar a { color: var(--white); font-weight: 700; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(220,229,239,.9);
}
.nav {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; min-width: 215px; }
.brand img { width: 70px; height: 70px; object-fit: contain; }
.brand-text strong { display: block; color: var(--navy); letter-spacing: .08em; font-size: .9rem; }
.brand-text span { display: block; color: var(--muted); font-size: .72rem; letter-spacing: .16em; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: #34445b; font-weight: 700; font-size: .94rem; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.nav-toggle {
  display: none;
  border: 0;
  background: transparent;
  padding: 8px;
  color: var(--navy);
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 50px;
  padding: 0 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  background: var(--navy);
  color: var(--white);
  font-weight: 800;
  box-shadow: 0 8px 20px rgba(7,27,59,.14);
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(7,27,59,.2); }
.btn-blue { background: var(--blue); }
.btn-white { background: var(--white); color: var(--navy); }
.btn-outline { background: transparent; color: var(--navy); border-color: #9eb0c6; box-shadow: none; }
.section-dark .btn-outline { color: var(--white); border-color: #6f86a6; }
.btn-small { min-height: 42px; padding: 0 18px; }
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 85% 15%, rgba(45,121,199,.16), transparent 32%),
    linear-gradient(135deg, #f8fbff 0%, #edf4fb 56%, #fff 100%);
  padding: 82px 0 76px;
}
.hero::after {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  border-radius: 50%;
  border: 90px solid rgba(255,255,255,.54);
  right: -190px;
  bottom: -280px;
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.12fr .88fr;
  align-items: center;
  gap: 70px;
}
.hero-copy .lead { margin: 24px 0 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-note { margin-top: 18px; color: var(--muted); font-size: .9rem; }
.hero-card {
  position: relative;
  background: rgba(255,255,255,.91);
  border: 1px solid rgba(214,225,238,.9);
  border-radius: 32px;
  padding: 38px;
  box-shadow: var(--shadow);
}
.hero-card::before {
  content: "";
  position: absolute;
  inset: 12px;
  border: 1px solid rgba(30,95,167,.11);
  border-radius: 24px;
  pointer-events: none;
}
.hero-logo { width: min(100%, 350px); margin: 0 auto 16px; }
.hero-card-line {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 18px;
}
.mini-stat {
  padding: 14px 10px;
  text-align: center;
  border-radius: 12px;
  background: var(--ice);
  color: var(--navy);
  font-size: .82rem;
  font-weight: 800;
}
.trust-strip {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: #fff;
}
.trust-grid { display: grid; grid-template-columns: repeat(3,1fr); }
.trust-item { padding: 25px 28px; text-align: center; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item strong { color: var(--navy); display: block; font-size: 1.02rem; }
.trust-item span { color: var(--muted); font-size: .88rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 30px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: 0 10px 28px rgba(7,27,59,.06);
}
.icon-card { position: relative; overflow: hidden; }
.icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  margin-bottom: 20px;
  border-radius: 16px;
  background: var(--sky);
  color: var(--blue);
  font-size: 1.45rem;
  font-weight: 900;
}
.step-number {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  margin-bottom: 20px;
  background: var(--navy);
  color: var(--white);
  font-weight: 900;
}
.check-list { list-style: none; padding: 0; margin: 24px 0 0; }
.check-list li { position: relative; padding: 9px 0 9px 32px; color: #43536a; }
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 8px;
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #e4f4ec;
  color: var(--success);
  font-weight: 900;
}
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.visual-panel {
  min-height: 450px;
  border-radius: 32px;
  background:
    linear-gradient(145deg, rgba(7,27,59,.92), rgba(30,95,167,.85)),
    radial-gradient(circle at 70% 10%, rgba(255,255,255,.3), transparent 35%);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.visual-panel::before,
.visual-panel::after {
  content: "";
  position: absolute;
  background: rgba(255,255,255,.08);
  transform: rotate(45deg);
}
.visual-panel::before { width: 330px; height: 330px; right: -120px; top: -120px; }
.visual-panel::after { width: 250px; height: 250px; left: -110px; bottom: -100px; }
.visual-content {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 38px;
  color: white;
  z-index: 1;
}
.visual-content h3 { color: white; font-size: 2rem; }
.visual-content p { color: #cfdded; }
.property-tags { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 12px; }
.property-tags span {
  padding: 8px 12px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.17);
  border-radius: 999px;
  font-size: .82rem;
  font-weight: 800;
}
.cta-band {
  border-radius: 30px;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--white);
  padding: 54px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 35px;
  box-shadow: var(--shadow);
}
.cta-band h2 { color: var(--white); max-width: 650px; }
.cta-band p { color: #c8d5e8; margin-bottom: 0; }
.page-hero {
  padding: 76px 0 68px;
  background:
    radial-gradient(circle at 90% 20%, rgba(45,121,199,.18), transparent 30%),
    linear-gradient(135deg, #f7fbff, #edf4fb);
  border-bottom: 1px solid var(--line);
}
.page-hero h1 { font-size: clamp(2.5rem, 5vw, 4.6rem); }
.breadcrumb { color: var(--blue); font-size: .86rem; font-weight: 800; margin-bottom: 18px; }
.form-shell {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 38px;
  box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.field { display: flex; flex-direction: column; gap: 8px; }
.field-full { grid-column: 1 / -1; }
label { color: var(--navy); font-weight: 800; font-size: .91rem; }
input, select, textarea {
  width: 100%;
  border: 1px solid #cbd7e5;
  border-radius: 12px;
  background: #fff;
  color: var(--ink);
  padding: 13px 14px;
  outline: none;
  transition: border-color .16s ease, box-shadow .16s ease;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(30,95,167,.12);
}
textarea { resize: vertical; min-height: 135px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-size: .85rem; }
.checkbox-row input { width: auto; margin-top: 5px; }
.form-note { color: var(--muted); font-size: .83rem; }
.form-success {
  padding: 16px;
  border-radius: 12px;
  background: #eaf7f1;
  color: #155b3d;
  font-weight: 700;
}
.faq { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-button {
  width: 100%;
  border: 0;
  background: transparent;
  padding: 23px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  text-align: left;
  color: var(--navy);
  font-weight: 850;
  font-size: 1.03rem;
}
.faq-button span:last-child { font-size: 1.35rem; }
.faq-answer { display: none; padding: 0 0 22px; color: var(--muted); }
.faq-item.open .faq-answer { display: block; }
.contact-stack { display: grid; gap: 18px; }
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 20px;
  background: white;
}
.contact-card strong { display: block; color: var(--navy); }
.contact-card a { color: var(--blue); font-weight: 800; overflow-wrap: anywhere; }
.legal { color: #44536a; }
.legal h2 { margin-top: 38px; font-size: 1.65rem; }
.legal h3 { margin-top: 26px; font-size: 1.16rem; }
.legal p, .legal li { color: #536279; }
.legal a { color: var(--blue); text-decoration: underline; }
.site-footer { background: #06152f; color: #b8c8dd; padding: 62px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr .8fr; gap: 52px; }
.footer-brand img { width: 125px; background: white; border-radius: 12px; margin-bottom: 18px; }
.site-footer h3 { color: white; font-size: 1rem; margin-bottom: 14px; }
.site-footer a { display: block; margin: 8px 0; color: #c6d3e4; }
.site-footer a:hover { color: white; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  border-top: 1px solid rgba(255,255,255,.1);
  margin-top: 44px;
  padding-top: 22px;
  font-size: .82rem;
}
.notice {
  padding: 18px 20px;
  border: 1px solid #cad9ea;
  background: #f4f8fc;
  color: #43536a;
  border-radius: 14px;
  font-size: .88rem;
}
.hidden { position: absolute !important; left: -9999px !important; }

@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute;
    left: 20px;
    right: 20px;
    top: calc(100% + 8px);
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 16px;
    background: white;
    border: 1px solid var(--line);
    border-radius: 16px;
    box-shadow: var(--shadow);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
  .nav-links .btn { margin-top: 8px; }
  .hero-grid, .split { grid-template-columns: 1fr; gap: 44px; }
  .hero-card { max-width: 620px; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--max)); }
  .section { padding: 66px 0; }
  .topbar { display: none; }
  .nav { min-height: 72px; }
  .brand img { width: 58px; height: 58px; }
  .brand-text { display: none; }
  .hero { padding: 58px 0; }
  .hero-card { padding: 25px; }
  .hero-card-line { grid-template-columns: 1fr; }
  .trust-grid, .grid-2, .grid-3, .grid-4, .form-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .field-full { grid-column: auto; }
  .form-shell { padding: 24px; }
  .cta-band { padding: 34px 25px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}