:root{
  --navy:#0a2540;
  --navy-2:#0f3a5f;
  --blue:#0ea5e9;
  --blue-dark:#0284c7;
  --accent:#22d3ee;
  --bg:#f6f9fc;
  --card:#ffffff;
  --text:#1e2a3a;
  --muted:#5b6b7f;
  --border:#e2e8f0;
  --green:#10b981;
  --radius:14px;
  --shadow:0 10px 30px rgba(10,37,64,.08);
  --shadow-lg:0 20px 60px rgba(10,37,64,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
  overflow-x:clip;
}
img,svg,video,iframe{max-width:100%;height:auto}
a{color:inherit}
.skip-link{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 10px 0;
  text-decoration:none;font-weight:700;
}
.skip-link:focus{left:0}
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.topbar{
  background:var(--navy);
  color:#d3e2f0;
  font-size:.88rem;
}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding:8px 20px;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{text-decoration:underline}
header.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.95);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;gap:16px;position:relative}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{
  width:44px;height:44px;border-radius:10px;
  background:linear-gradient(135deg,var(--navy),var(--blue-dark));
  color:#fff;display:grid;place-items:center;
  font-weight:800;font-size:20px;letter-spacing:.5px;
}
.brand-name{font-weight:800;font-size:1.15rem;color:var(--navy);line-height:1}
.brand-name small{display:block;font-weight:600;font-size:.72rem;letter-spacing:2.2px;color:var(--blue-dark)}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{text-decoration:none;font-weight:600;color:#334155;font-size:.95rem}
.nav-links a:hover{color:var(--blue-dark)}
.nav-links a.btn,.nav-links a.btn:hover{color:#fff}
.btn{
  display:inline-block;border:0;cursor:pointer;
  padding:13px 22px;border-radius:999px;
  font-weight:700;text-decoration:none;
  transition:.2s;
}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(14,165,233,.35)}
.btn-primary:hover{background:var(--blue-dark);transform:translateY(-1px)}
.btn-outline{background:#fff;color:var(--navy);border:1.5px solid var(--border)}
.btn-outline:hover{border-color:var(--blue)}
.btn-dark{background:var(--navy);color:#fff}
.btn-sm{padding:10px 18px;font-size:.9rem}
.hero{
  background:radial-gradient(1000px 500px at 20% 0%, #e0f2fe 0%, transparent 60%),
  radial-gradient(800px 500px at 90% 20%, #dbeafe 0%, transparent 60%),
  linear-gradient(180deg,#fff 0%, #f6f9fc 100%);
  padding:64px 0 52px;
  border-bottom:1px solid var(--border);
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:#e0f2fe;color:#075985;
  padding:7px 14px;border-radius:999px;
  font-size:.82rem;font-weight:700;letter-spacing:.3px;
}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--green);flex-shrink:0}
.hero h1{font-size:clamp(2rem,4.5vw,3rem);line-height:1.08;margin:16px 0;color:var(--navy);letter-spacing:-1px;overflow-wrap:break-word}
.hero h1 span{color:var(--blue-dark)}
.hero p.lead{font-size:clamp(1rem,1.5vw,1.12rem);color:var(--muted);max-width:560px}
.hero-ctas{display:flex;gap:12px;margin:22px 0;flex-wrap:wrap}
.hero-points{display:flex;gap:18px;flex-wrap:wrap;margin-top:10px;color:#334155;font-size:.93rem}
.hero-points strong{color:var(--navy)}
.hero-card{
  background:#fff;border:1px solid var(--border);
  border-radius:18px;box-shadow:var(--shadow-lg);
  overflow:hidden;
}
.hero-card-top{background:linear-gradient(135deg,var(--navy),#134e7a);color:#fff;padding:22px}
.hero-card-top h3{margin:0 0 6px}
.hero-card-top p{margin:0;color:#cbd5e1;font-size:.94rem}
.hero-card-body{padding:22px;display:grid;gap:12px}
.mini{display:flex;gap:12px;align-items:flex-start;background:#f8fafc;border:1px solid var(--border);border-radius:12px;padding:12px 14px}
.mini-icon{width:38px;height:38px;border-radius:10px;background:#e0f2fe;color:var(--blue-dark);display:grid;place-items:center;flex-shrink:0}
.mini b{color:var(--navy)}
.mini p{margin:2px 0 0;font-size:.9rem;color:var(--muted)}

section{padding:64px 0}
.section-head{max-width:720px;margin:0 auto 32px;text-align:center}
.section-head h2{font-size:clamp(1.5rem,3vw,2.15rem);margin:10px 0;color:var(--navy);letter-spacing:-.5px;overflow-wrap:break-word}
.section-head p{color:var(--muted)}
.kicker{color:var(--blue-dark);font-weight:800;letter-spacing:2px;font-size:.8rem;text-transform:uppercase}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.card{
  background:var(--card);border:1px solid var(--border);
  border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);
}
.card h3{margin:12px 0 8px;color:var(--navy)}
.card p{margin:0;color:var(--muted);font-size:.96rem}
.card ul{margin:12px 0 0;padding-left:18px;color:#334155;font-size:.93rem}
.icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,#e0f2fe,#bae6fd);color:var(--blue-dark)}
.icon svg{width:24px;height:24px}
.mini-icon svg{width:20px;height:20px}
.svg-i{width:18px;height:18px;flex-shrink:0;vertical-align:-3px}
.topbar .svg-i{width:15px;height:15px}
.contact-inline{display:inline-flex;align-items:center;gap:6px}
.hero-points-item{display:inline-flex;align-items:center;gap:6px}
.hero-points-item svg{width:16px;height:16px;color:var(--green)}
.info-row-icon{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.12);display:grid;place-items:center;flex-shrink:0}
.info-row-icon svg{width:19px;height:19px}
.footer-contact{display:grid;gap:8px;font-size:.9rem}
.footer-contact span{display:inline-flex;align-items:center;gap:8px}
.footer-contact svg{width:15px;height:15px;color:#93c5fd}
.banner-title{display:flex;align-items:center;gap:8px}
.banner-title svg{width:20px;height:20px;color:var(--navy)}
.visual-mark{width:64px;height:64px;margin:0 auto}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);transition:.25s}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.split img,.placeholder-visual{
  width:100%;border-radius:18px;border:1px solid var(--border);
  background:linear-gradient(135deg,#0a2540,#0284c7);
  min-height:320px;display:grid;place-items:center;color:#fff;
}
.checklist{list-style:none;padding:0;margin:18px 0;display:grid;gap:10px}
.checklist li{background:#fff;border:1px solid var(--border);border-radius:12px;padding:12px 14px;display:flex;gap:10px;align-items:flex-start}
.checklist span.tick{background:#dcfce7;color:#15803d;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;flex-shrink:0}
.checklist span.tick svg{width:14px;height:14px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;position:relative}
.step-num{font-weight:800;color:var(--blue);font-size:.85rem;letter-spacing:1px}
.step h4{margin:8px 0;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:.92rem}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:22px;align-items:start}
.info-card{background:var(--navy);color:#dbeafe;border-radius:18px;padding:28px}
.info-card h3{color:#fff;margin-top:0}
.info-row{display:flex;gap:12px;align-items:flex-start;margin:16px 0;padding:14px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:12px}
.info-row a{color:#fff;text-decoration:none;font-weight:700}
.info-row a:hover{text-decoration:underline}
.form-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:28px;box-shadow:var(--shadow-lg)}
.form-card h3{margin-top:0;color:var(--navy)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:grid;gap:6px}
.field.full{grid-column:1/-1}
label{font-weight:700;font-size:.88rem;color:#334155}
input,select,textarea{
  border:1.5px solid var(--border);border-radius:10px;
  padding:12px 14px;font-size:.95rem;font-family:inherit;
  width:100%;background:#fff;
}
input:focus,select:focus,textarea:focus{outline:2px solid #bae6fd;border-color:var(--blue)}
textarea{min-height:120px;resize:vertical}
.hint{font-size:.82rem;color:var(--muted)}
.error-box{display:none;background:#fef2f2;border:1px solid #fecaca;color:#991b1b;border-radius:10px;padding:12px 14px;font-size:.9rem;font-weight:600}
.success-box{display:none;background:#f0fdf4;border:1px solid #bbf7d0;color:#166534;border-radius:10px;padding:12px 14px;font-size:.9rem}
.consent-box{background:#f8fafc;border:1px solid var(--border);border-radius:10px;padding:14px;display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:#334155}
.consent-box input{width:auto;margin-top:4px}
footer{background:var(--navy);color:#cbd5e1;padding:48px 0 22px;margin-top:20px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:22px}
footer h4{color:#fff;margin:0 0 12px}
footer a{color:#cbd5e1;text-decoration:none;font-size:.93rem}
footer a:hover{color:#fff;text-decoration:underline}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:.85rem}

/* Cookie banner */
#cookie-banner{
  position:fixed;left:16px;right:16px;bottom:16px;z-index:100;
  background:#fff;border:1px solid var(--border);
  border-radius:16px;box-shadow:var(--shadow-lg);
  padding:20px;display:none;
  max-width:980px;margin:0 auto;
}
#cookie-banner.show{display:block}
#cookie-banner h4{margin:0 0 6px;color:var(--navy)}
#cookie-banner p{margin:0 0 12px;color:var(--muted);font-size:.9rem}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie-actions .btn{padding:10px 18px;font-size:.9rem}
#cookie-settings-modal{
  position:fixed;inset:0;z-index:101;display:none;
  background:rgba(10,37,64,.55);place-items:center;padding:20px;
}
#cookie-settings-modal.show{display:grid}
.modal-card{background:#fff;border-radius:16px;max-width:560px;width:100%;padding:24px;max-height:90vh;overflow:auto}
.toggle-row{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 0;border-bottom:1px solid var(--border)}
.toggle-row p{margin:4px 0 0;font-size:.85rem;color:var(--muted)}
.switch{position:relative;width:48px;height:26px;flex-shrink:0}
.switch input{opacity:0;width:100%;height:100%;position:absolute;margin:0;cursor:pointer}
.slider{position:absolute;inset:0;background:#cbd5e1;border-radius:999px;transition:.2s}
.slider:before{content:"";position:absolute;width:20px;height:20px;background:#fff;border-radius:50%;top:3px;left:3px;transition:.2s}
.switch input:checked + .slider{background:var(--green)}
.switch input:checked + .slider:before{transform:translateX(22px)}
.switch input:disabled + .slider{background:var(--navy)}

/* Legal pages */
.legal-hero{background:linear-gradient(135deg,var(--navy),#134e7a);color:#fff;padding:56px 0}
.legal-hero h1{margin:10px 0;color:#fff}
.legal-hero p{color:#cbd5e1;max-width:760px}
.legal-body{background:#fff;border:1px solid var(--border);border-radius:18px;padding:36px;margin:-24px auto 40px;box-shadow:var(--shadow);max-width:900px}
.legal-body h2{color:var(--navy);margin-top:32px;border-bottom:2px solid #e0f2fe;padding-bottom:8px}
.legal-body h3{color:#0f3a5f}
.legal-body a{color:var(--blue-dark)}
.legal-meta{font-size:.85rem;color:var(--muted);background:#f8fafc;border:1px solid var(--border);border-radius:10px;padding:12px 14px}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.9rem;margin:12px 0}
th,td{border:1px solid var(--border);padding:10px;text-align:left}
th{background:#f1f5f9;color:var(--navy)}

/* FAQ (SEO + UX) */
.faq-list{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:12px;padding:6px 18px;box-shadow:var(--shadow)}
.faq-item summary{cursor:pointer;font-weight:700;color:var(--navy);padding:12px 0;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";float:right;color:var(--blue-dark);font-weight:800}
.faq-item[open] summary::after{content:"–"}
.faq-item p{margin:0 0 14px;color:var(--muted)}
.faq-item a{color:var(--blue-dark)}

/* Mobile nav */
#menu-btn{display:none;background:#fff;border:1px solid var(--border);border-radius:10px;padding:9px 12px;cursor:pointer;min-width:44px;min-height:44px;color:var(--navy);place-items:center}
#menu-btn svg{width:20px;height:20px;display:block}
@media(max-width:1024px){
  .hero-grid{gap:24px}
  .steps{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  .hero-grid,.split,.contact-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none;position:absolute;top:calc(100% + 1px);left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 16px 16px;border-bottom:1px solid var(--border);box-shadow:var(--shadow-lg);gap:4px;z-index:60}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 8px;min-height:44px;display:flex;align-items:center}
  .nav-links .btn{justify-content:center;margin-top:6px}
  #menu-btn{display:grid}
  .form-grid{grid-template-columns:1fr}
  .legal-body{padding:22px;margin:-16px 16px 30px}
  section{padding:52px 0}
  .hero{padding:44px 0 36px}
  .topbar .container{justify-content:center;text-align:center}
  input,select,textarea{font-size:16px} /* prevents iOS auto-zoom */
}
@media(max-width:560px){
  .container{padding:0 16px}
  .steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  section{padding:44px 0}
  .hero-ctas .btn{width:100%;text-align:center}
  .info-card,.form-card{padding:20px}
  #cookie-banner{left:10px;right:10px;bottom:10px;padding:16px;max-height:70vh;overflow:auto}
  .cookie-actions .btn{flex:1 1 100%;text-align:center}
  .legal-body h2{font-size:1.25rem}
  .table-wrap{margin:0 -6px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none !important}
}