:root {
  --navy-50: #eef3f9;
  --navy-100: #d5e2f0;
  --navy-200: #abc5e1;
  --navy-600: #1d4e87;
  --navy-700: #163b6d;
  --navy-800: #0f2a52;
  --navy-900: #091b38;
  --navy-950: #060e1f;
  --gold-100: #faefd0;
  --gold-300: #f0c44a;
  --gold-400: #e8a53a;
  --gold-500: #d4882a;
  --teal-100: #c5ebf1;
  --teal-300: #4fbad0;
  --teal-500: #1282a2;
  --gray-50: #f8fafc;
  --gray-100: #edf2f7;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --white: #ffffff;
  --danger-soft: #fff0f0;
  --warn-bg: #fff7e7;
  --warn-border: #f7e6ba;
  --warn-text: #946200;
  --shadow-sm: 0 10px 30px rgba(9, 27, 56, 0.06);
  --shadow-md: 0 18px 60px rgba(9, 27, 56, 0.12);
  --shadow-lg: 0 25px 80px rgba(9, 27, 56, 0.18);
  --radius: 24px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--gray-600);
  background: #fff;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
.section { padding: 96px 0; }
.alt-section { background: var(--gray-50); }
.center { text-align: center; }

.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  transition: all .25s ease;
}
.site-header.scrolled {
  background: rgba(255,255,255,.98);
  box-shadow: 0 8px 30px rgba(9, 27, 56, 0.08);
  backdrop-filter: blur(10px);
}
.nav-wrap {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; }
.brand-icon {
  width: 38px; height: 38px; border-radius: 12px;
  display: grid; place-items: center; background: var(--navy-700); font-size: 18px;
}
.brand-text { color: #fff; font-size: 1.15rem; letter-spacing: -.02em; }
.brand-text span { color: var(--gold-400); }
.site-header.scrolled .brand-text { color: var(--navy-900); }
.desktop-nav { display: flex; align-items: center; gap: 28px; }
.desktop-nav a { color: rgba(255,255,255,.92); font-weight: 500; font-size: .95rem; }
.site-header.scrolled .desktop-nav a:not(.btn) { color: var(--navy-700); }
.desktop-nav a:hover { color: var(--gold-400); }
.mobile-toggle {
  display: none; border: 0; background: transparent; color: #fff; font-size: 28px; cursor: pointer;
}
.site-header.scrolled .mobile-toggle { color: var(--navy-900); }
.mobile-panel { display: none; }
.mobile-panel.open { display: block; }
.mobile-panel-inner {
  background: #fff; border-radius: 24px; padding: 14px; border: 1px solid var(--gray-100); box-shadow: var(--shadow-md); margin-top: 0;
}
.mobile-panel-inner a { display: block; padding: 14px 16px; color: var(--navy-800); font-weight: 600; border-radius: 14px; }
.mobile-panel-inner a:hover { background: var(--navy-50); }
.mobile-btn { text-align: center; margin-top: 8px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 52px; padding: 0 28px; border-radius: 999px;
  font-weight: 700; transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold-400); color: #fff !important; box-shadow: 0 12px 30px rgba(212, 136, 42, .25); }
.btn-gold:hover { background: var(--gold-500); }
.btn-outline { border: 2px solid rgba(255,255,255,.32); color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.6); }
.btn-small { min-height: 44px; padding: 0 20px; }

.hero {
  position: relative; min-height: 100svh; overflow: hidden;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 55%, #0b5669 100%);
  color: #fff;
}
.hero-bg { position: absolute; border-radius: 999px; filter: blur(70px); opacity: .35; }
.hero-bg-1 { width: 380px; height: 380px; background: rgba(232,165,58,.3); top: -120px; right: -120px; }
.hero-bg-2 { width: 320px; height: 320px; background: rgba(79,186,208,.25); top: 38%; left: -100px; }
.hero-bg-3 { width: 220px; height: 220px; background: rgba(79,128,183,.18); bottom: 30px; right: 28%; }
.hero-grid {
  position: absolute; inset: 0; opacity: .08;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.85) 1px, transparent 0);
  background-size: 40px 40px;
}
.hero-content {
  position: relative; z-index: 1; padding-top: 140px; padding-bottom: 120px;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 52px; align-items: center;
}
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-500);
}
.eyebrow.dark {
  background: rgba(232,165,58,.16); color: #f7cf80; border: 1px solid rgba(232,165,58,.25);
  padding: 10px 16px; border-radius: 999px; letter-spacing: .04em; text-transform: none; font-size: .92rem;
}
.hero h1, .cta-section h2 { margin: 18px 0 18px; font-size: clamp(2.6rem, 6vw, 4.5rem); line-height: 1.04; letter-spacing: -.04em; color: #fff; }
.hero h1 span, .cta-section h2 span { color: var(--gold-400); }
.hero p, .cta-section p { font-size: 1.125rem; color: rgba(255,255,255,.8); max-width: 720px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; margin: 34px 0 30px; }
.hero-list { display: flex; flex-wrap: wrap; gap: 18px 28px; color: rgba(255,255,255,.78); font-size: .96rem; }
.hero-card { display: flex; justify-content: center; }
.glass-card {
  width: 100%; max-width: 460px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18);
  backdrop-filter: blur(10px); border-radius: 32px; padding: 34px; position: relative; box-shadow: var(--shadow-lg);
}
.glass-card::before {
  content: ''; position: absolute; inset: -16px auto auto -16px; width: 100%; height: 100%; border-radius: 32px;
  background: linear-gradient(135deg, rgba(232,165,58,.12), rgba(79,186,208,.12)); z-index: -1;
}
.mini-head { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.mini-head strong { display: block; color: #fff; }
.mini-head small, .people-box small { display: block; color: rgba(255,255,255,.6); margin-top: 4px; }
.icon-box, .card-icon {
  width: 48px; height: 48px; border-radius: 16px; display: grid; place-items: center; flex-shrink: 0; font-size: 1.2rem;
}
.icon-box.gold { background: rgba(232,165,58,.18); color: var(--gold-300); }
.icon-box.navy { background: var(--navy-50); }
.icon-box.amber { background: var(--warn-border); color: var(--warn-text); }
.step-list { display: grid; gap: 14px; margin: 24px 0; }
.step-item { display: flex; align-items: center; gap: 14px; color: rgba(255,255,255,.66); font-size: .96rem; }
.step-item span {
  width: 34px; height: 34px; border-radius: 999px; display: grid; place-items: center; background: rgba(255,255,255,.15); color: rgba(255,255,255,.72); font-weight: 800;
}
.step-item.done { color: #fff; }
.step-item.done span { background: #4ade80; color: #fff; }
.people-box {
  display: flex; align-items: center; gap: 14px; padding: 16px; border-radius: 20px; background: rgba(255,255,255,.1);
}
.people-box strong { color: #fff; display: block; }
.avatars { display: flex; margin-right: 6px; }
.avatars span {
  width: 34px; height: 34px; border-radius: 999px; border: 2px solid rgba(255,255,255,.2); margin-left: -10px;
}
.avatars span:nth-child(1){ background:#60a5fa; margin-left: 0; }
.avatars span:nth-child(2){ background:#4ade80; }
.avatars span:nth-child(3){ background:#fb923c; }
.avatars span:nth-child(4){ background:#f472b6; }
.hero-wave {
  position: absolute; bottom: 0; left: 0; right: 0; height: 70px; background: var(--gray-50);
  clip-path: ellipse(75% 100% at 50% 100%);
}

.trust-bar { background: var(--gray-50); border-bottom: 1px solid var(--gray-100); padding: 46px 0; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.trust-item { display: flex; align-items: flex-start; gap: 14px; }
.trust-item h3 { margin: 0; color: var(--navy-900); font-size: .98rem; }
.trust-item p { margin: 4px 0 0; font-size: .84rem; color: var(--gray-500); }

.section-heading { max-width: 760px; margin-bottom: 56px; }
.section-heading.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-heading.light h2, .section-heading.light p { color: #fff; }
.section-heading h2, .split-layout h2 { margin: 10px 0 12px; color: var(--navy-900); font-size: clamp(2rem, 4vw, 3rem); line-height: 1.12; letter-spacing: -.03em; }
.section-heading p, .lead { font-size: 1.08rem; color: var(--gray-500); }
.gold-text { color: var(--gold-300); }
.card-grid.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.info-card {
  border: 1px solid var(--gray-100); border-radius: 24px; padding: 28px; background: #fff; box-shadow: var(--shadow-sm);
  transition: transform .25s ease, box-shadow .25s ease;
}
.info-card:hover, .mini-card:hover, .procedure-card:hover, .benefit-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.info-card h3, .benefit-card h3, .mini-card h3, .dark-card h3, .procedure-card h3 { margin: 16px 0 10px; color: var(--navy-900); line-height: 1.25; }
.info-card p, .benefit-card p, .mini-card p, .dark-card p { margin: 0 0 16px; color: var(--gray-500); font-size: .95rem; }
.info-card a, .procedure-card a { color: var(--navy-700); font-weight: 700; font-size: .95rem; }
.info-card a:hover, .procedure-card a:hover { color: var(--gold-500); }
.card-icon.blue { background: #eff6ff; }
.card-icon.teal { background: #ebfeff; }
.card-icon.green { background: #ecfdf5; }
.card-icon.orange { background: #fff7ed; }
.card-icon.gold-light { background: #fff8e7; }
.card-icon.pink { background: #fdf2f8; }
.card-icon.violet { background: #f5f3ff; }
.card-icon.slate { background: #f8fafc; }

.section-dark {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  position: relative; overflow: hidden;
}
.section-dark::before {
  content: ''; position: absolute; inset: 0; opacity: .08;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.85) 1px, transparent 0);
  background-size: 32px 32px;
}
.section-dark > .container { position: relative; z-index: 1; }
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.dark-card {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 24px; padding: 28px;
}
.dark-card h3 { color: #fff; }
.dark-card p { color: rgba(255,255,255,.62); }
.step-top { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.step-top strong { font-size: 2rem; color: rgba(255,255,255,.2); }
.center-actions { margin-top: 42px; text-align: center; }

.split-layout { display: grid; grid-template-columns: 1.02fr .98fr; gap: 56px; align-items: start; }
.compare-box {
  margin-top: 22px; background: #fff; border-radius: 22px; padding: 22px; border: 1px solid var(--gray-100); box-shadow: var(--shadow-sm);
}
.compare-bad { border-color: #f7d6d6; }
.compare-good { border-color: var(--gold-100); }
.compare-box h4 { margin: 0 0 6px; color: var(--navy-900); }
.compare-box p { margin: 0; color: var(--gray-500); }
.mini-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.mini-card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: 22px; padding: 22px; box-shadow: var(--shadow-sm);
}
.mini-card p { font-size: .9rem; margin-bottom: 0; }

.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit-card {
  position: relative; background: #fff; border: 1px solid var(--gray-100); border-radius: 24px; padding: 28px 28px 28px 34px; box-shadow: var(--shadow-sm);
}
.benefit-card::before {
  content: ''; position: absolute; top: 0; left: 0; bottom: 0; width: 6px; border-radius: 24px 0 0 24px;
}
.accent-blue::before { background: linear-gradient(180deg, #3b82f6, #14b8a6); }
.accent-teal::before { background: linear-gradient(180deg, #14b8a6, #22c55e); }
.accent-gold::before { background: linear-gradient(180deg, #f0c44a, #fb923c); }
.accent-navy::before { background: linear-gradient(180deg, #1d4e87, #3b82f6); }
.accent-green::before { background: linear-gradient(180deg, #22c55e, #14b8a6); }
.accent-orange::before { background: linear-gradient(180deg, #fb923c, #ef4444); }

.procedure-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.procedure-card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: 26px; overflow: hidden; box-shadow: var(--shadow-sm);
}
.proc-head { color: #fff; padding: 28px; min-height: 165px; display: flex; flex-direction: column; justify-content: flex-end; }
.blue-bg { background: #2563eb; }
.teal-bg { background: #0f766e; }
.gold-bg { background: var(--gold-500); }
.orange-bg { background: #f97316; }
.pill {
  align-self: flex-start; margin-bottom: 16px; background: rgba(255,255,255,.9); color: var(--navy-800);
  padding: 6px 12px; border-radius: 999px; font-size: .78rem; font-weight: 700;
}
.proc-body { padding: 28px; }
.proc-body p { margin: 0 0 18px; }
.challenge { background: var(--gray-50); border-radius: 18px; padding: 18px; margin-bottom: 18px; }
.challenge strong { display: block; margin-bottom: 8px; color: var(--navy-800); font-size: .82rem; text-transform: uppercase; letter-spacing: .05em; }
.challenge p { margin: 0; font-size: .95rem; }

.about-layout p { font-size: 1rem; }
.about-pills { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.about-pills span {
  background: var(--navy-50); color: var(--navy-800); padding: 14px 18px; border-radius: 18px; font-weight: 700; font-size: .92rem;
}
.quote-card-wrap { position: relative; }
.quote-card-wrap::before {
  content: ''; position: absolute; inset: 8px -8px -8px 8px; border-radius: 28px;
  background: linear-gradient(135deg, var(--navy-100), var(--teal-100)); transform: rotate(2deg);
}
.quote-card {
  position: relative; background: linear-gradient(135deg, var(--navy-800), var(--navy-900)); color: #fff; border-radius: 28px; padding: 36px; box-shadow: var(--shadow-lg);
}
.quote-mark { font-size: 5rem; color: rgba(232,165,58,.22); line-height: 1; margin-bottom: -12px; }
.quote-card blockquote { margin: 0; font-size: 1.15rem; line-height: 1.7; color: rgba(255,255,255,.9); }
.quote-meta { margin-top: 28px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); }
.quote-meta strong { display: block; color: var(--gold-300); }
.quote-meta small { display: block; color: rgba(255,255,255,.56); margin-top: 6px; }
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 24px; }
.stats-grid div { background: rgba(255,255,255,.08); border-radius: 18px; padding: 20px; }
.stats-grid strong { display: block; font-size: 1.8rem; color: #fff; }
.stats-grid span { display: block; margin-top: 4px; color: rgba(255,255,255,.6); font-size: .85rem; }

.disclaimer {
  background: var(--warn-bg); border-top: 1px solid var(--warn-border); border-bottom: 1px solid var(--warn-border); padding: 48px 0;
}
.disclaimer-box { display: flex; align-items: flex-start; gap: 18px; }
.disclaimer h3 { margin: 0 0 8px; color: var(--warn-text); }
.disclaimer p { margin: 0; color: #7c5c00; }

.faq-wrap { max-width: 900px; }
.faq-list { display: grid; gap: 14px; }
.faq-item {
  border: 1px solid var(--gray-100); border-radius: 24px; overflow: hidden; background: #fff; transition: box-shadow .25s ease, border-color .25s ease;
}
.faq-item.open { border-color: var(--navy-100); box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 22px 24px; background: #fff; border: 0; cursor: pointer; text-align: left; font: inherit; color: var(--navy-900); font-weight: 700;
}
.faq-question span { color: var(--gray-400); font-size: 1.2rem; transition: transform .25s ease; }
.faq-item.open .faq-question span { transform: rotate(180deg); }
.faq-answer { display: none; padding: 0 24px 22px; }
.faq-item.open .faq-answer { display: block; }
.faq-answer p { margin: 0; border-top: 1px solid var(--gray-100); padding-top: 16px; }

.cta-section {
  position: relative; overflow: hidden; padding: 96px 0;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 55%, #0b5669 100%);
}
.cta-section::before, .cta-section::after {
  content: ''; position: absolute; border-radius: 999px; filter: blur(70px); opacity: .35;
}
.cta-section::before { width: 300px; height: 300px; background: rgba(232,165,58,.22); top: -60px; right: -60px; }
.cta-section::after { width: 280px; height: 280px; background: rgba(79,186,208,.2); bottom: -80px; left: -80px; }
.cta-wrap { position: relative; z-index: 1; }
.light-pill { color: rgba(255,255,255,.85); background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); }
.cta-actions { justify-content: center; }
.cta-badges { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; max-width: 820px; margin: 12px auto 0; }
.cta-badges div { background: rgba(255,255,255,.1); border-radius: 20px; padding: 18px; }
.cta-badges strong { display: block; color: #fff; }
.cta-badges small { display: block; color: rgba(255,255,255,.56); margin-top: 4px; }

.site-footer { background: var(--navy-950); color: rgba(255,255,255,.75); padding-top: 78px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 42px; padding-bottom: 50px; }
.footer-brand { margin-bottom: 16px; }
.site-footer p { margin: 0 0 14px; }
.site-footer h4 { color: #fff; margin: 0 0 14px; text-transform: uppercase; letter-spacing: .08em; font-size: .86rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-footer li, .site-footer a { color: rgba(255,255,255,.52); font-size: .95rem; }
.site-footer a:hover { color: var(--gold-400); }
.footer-contact { margin-top: 18px !important; }
.legal-note {
  margin-top: 20px; padding: 16px; border-radius: 18px; border: 1px solid rgba(255,255,255,.1); background: rgba(255,255,255,.05); font-size: .84rem; color: rgba(255,255,255,.42);
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); padding: 26px 0 34px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px;
}
.footer-bottom p { margin: 0; font-size: .8rem; color: rgba(255,255,255,.34); }

.fade-up { animation: fadeUp .65s ease both; }
.fade-in { animation: fadeIn .85s ease both; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

@media (max-width: 1100px) {
  .card-grid.services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .procedure-grid, .split-layout, .hero-content, .footer-grid { grid-template-columns: 1fr; }
  .hero-card { order: -1; }
}
@media (max-width: 860px) {
  .desktop-nav { display: none; }
  .mobile-toggle { display: block; }
  .trust-grid, .mini-grid, .cta-badges { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .section, .cta-section { padding: 72px 0; }
  .container { width: min(100% - 24px, 1180px); }
  .hero-content { padding-top: 118px; padding-bottom: 100px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-list { flex-direction: column; gap: 10px; }
  .trust-grid, .card-grid.services-grid, .steps-grid, .benefits-grid, .procedure-grid, .mini-grid, .cta-badges, .stats-grid { grid-template-columns: 1fr; }
  .disclaimer-box { flex-direction: column; }
  .quote-card, .info-card, .benefit-card, .mini-card, .dark-card, .proc-body, .proc-head { padding: 22px; }
  .brand-text { font-size: 1rem; }
}