:root{
  --blue:#0565d5;
  --blue-dark:#033f87;
  --blue-deep:#022a5c;
  --orange:#f47a1a;
  --gold:#feab17;
  --ink:#14213d;
  --muted:#5b6475;
  --line:#e3e8f0;
  --bg-alt:#f3f7fd;
  --white:#fff;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--white);line-height:1.55;font-size:16px}
img{max-width:100%;height:auto}
a{color:var(--blue)}
h1,h2,h3,h4{font-family:Montserrat,Inter,sans-serif;line-height:1.15;margin:0 0 .5em}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.hidden{display:none}
.center{text-align:center;margin-top:28px}

/* Buttons */
.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:10px;padding:12px 20px;border:2px solid transparent;transition:transform .15s, box-shadow .15s;cursor:pointer;font-size:16px;font-family:inherit;text-align:center}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(5,101,213,.18)}
.btn-primary{background:var(--orange);color:#fff}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-ghost{border-color:var(--blue);color:var(--blue);background:#fff}
.btn-white{background:#fff;color:var(--blue-dark)}
.btn-block{width:100%;padding:15px;font-size:18px}

/* Header */
.site-header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--blue)}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-text strong{font-family:Montserrat,sans-serif;font-weight:900;font-size:19px;letter-spacing:.2px;text-transform:uppercase}
.brand-text small{font-family:Montserrat,sans-serif;font-weight:700;color:var(--orange);letter-spacing:3px;font-size:11px;text-transform:uppercase;margin-top:4px}
.nav{display:flex;gap:24px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600}
.nav a:hover{color:var(--blue)}
.header-cta{display:flex;gap:10px}

/* Hero */
.hero{background:linear-gradient(135deg,var(--blue-deep) 0%,var(--blue) 70%,#1b7ff0 100%);color:#fff;padding:56px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(254,171,23,.55),rgba(244,122,26,.0) 70%)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);padding:6px 12px;border-radius:999px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;font-size:12px;margin:0 0 16px}
.hero h1{font-size:46px;font-weight:900}
.hero h1 span{display:block;color:var(--gold);font-size:.72em;margin-top:10px}
.sub{font-size:19px;opacity:.95;max-width:540px}
.chips{list-style:none;padding:0;margin:24px 0 0;display:flex;flex-wrap:wrap;gap:10px}
.chips li{background:#fff;color:var(--blue-dark);font-weight:700;padding:9px 14px;border-radius:999px;font-size:14px}
.chips li::before{content:"✓ ";color:var(--orange)}

/* Form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25);border-top:6px solid var(--orange);scroll-margin-top:90px}
.form-card h2{font-size:26px;color:var(--blue-dark);margin-bottom:4px}
.form-note{color:var(--muted);margin:0 0 14px;font-size:14px}
.form-note.small{margin:12px 0 0;text-align:center;font-size:13px}
form label{display:block;font-weight:600;font-size:14px;margin-bottom:12px}
form input[type=text],form input[type=tel],form input[type=email],form select{display:block;width:100%;margin-top:5px;padding:11px 12px;border:1.5px solid var(--line);border-radius:9px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
form input:focus,form select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(5,101,213,.15)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex !important;gap:10px;align-items:flex-start;font-weight:400 !important;font-size:12px !important;color:var(--muted);line-height:1.45}
.consent input{margin-top:3px;flex:none;width:18px;height:18px}

/* Sections */
.section{padding:70px 0}
.section.alt{background:var(--bg-alt)}
.section-title{text-align:center;font-size:32px;color:var(--blue-dark);margin-bottom:36px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center}
.num{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;font-size:20px;margin-bottom:14px;font-family:Montserrat,sans-serif}
.step h3{font-size:19px;color:var(--blue-dark)}
.step p,.card p{color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:#fff;border-radius:var(--radius);padding:24px;border-left:5px solid var(--blue);box-shadow:0 4px 14px rgba(3,63,135,.06)}
.card h3{font-size:17px;color:var(--blue-dark)}

.compare{display:grid;grid-template-columns:1fr 1fr;gap:22px;max-width:960px;margin:0 auto}
.compare .col{border-radius:var(--radius);padding:28px}
.compare .bad{background:#f6f7f9;border:1px solid var(--line)}
.compare .good{background:var(--blue);color:#fff}
.compare h3{font-size:22px}
.compare .good h3{color:var(--gold)}
.compare ul{list-style:none;padding:0;margin:0}
.compare li{padding:12px 0 12px 34px;position:relative;border-top:1px solid rgba(0,0,0,.06)}
.compare .good li{border-top-color:rgba(255,255,255,.18)}
.compare li strong{display:block}
.compare .bad li{color:var(--muted)}
.compare .bad li strong{color:var(--ink)}
.compare li::before{position:absolute;left:0;top:12px;width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px}
.compare .bad li::before{content:"✕";background:#fde2e1;color:#c62828}
.compare .good li::before{content:"✓";background:var(--gold);color:var(--ink)}

.situations{list-style:none;padding:0;margin:0 auto;display:flex;flex-wrap:wrap;justify-content:center;gap:12px;max-width:860px}
.situations li{background:#fff;border:1.5px solid var(--blue);color:var(--blue-dark);font-weight:700;padding:10px 18px;border-radius:999px}

details{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:12px;background:#fff}
summary{font-weight:700;cursor:pointer;color:var(--blue-dark)}
details p{margin:10px 0 0;color:var(--muted)}

.cta-band{background:linear-gradient(135deg,var(--orange),#f9931f);color:#fff;text-align:center;padding:60px 0}
.cta-band h2{font-size:32px}
.cta-band p{font-size:18px;margin:0 0 24px}
.cta-buttons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* Footer */
.site-footer{background:var(--blue-deep);color:#cfdcf0;padding:48px 0 24px;font-size:15px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer h4{color:#fff;font-size:16px}
.footer-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:28px}
.footer-logo{border-radius:12px;background:#fff}
.disclosure{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:12.5px;color:#9fb3d1}

/* Simple pages */
.page{max-width:820px;margin:0 auto;padding:48px 20px 70px}
.page h1{color:var(--blue-dark);font-size:34px}
.page h2{color:var(--blue-dark);font-size:20px;margin-top:28px}
.page p,.page li{color:#333b4a}

/* Responsive */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .nav{display:none}
}
@media (max-width:640px){
  .header-inner{height:64px}
  .header-cta .btn-ghost{display:none}
  .header-cta .btn-primary{padding:10px 14px;font-size:14px}
  .brand img{width:42px;height:auto}
  .brand-text strong{font-size:16px}
  .brand-text small{font-size:9.5px;letter-spacing:2px}
  .hero{padding:36px 0 44px}
  .hero h1{font-size:32px}
  .sub{font-size:17px}
  .steps,.cards,.compare,.footer-grid{grid-template-columns:1fr}
  .row{grid-template-columns:1fr;gap:0}
  .section{padding:52px 0}
  .section-title,.cta-band h2{font-size:26px}
  .form-card{padding:20px}
}
.btn{white-space:nowrap}
@media (max-width:640px){.brand-text strong{font-size:15px;white-space:nowrap}.header-cta .btn-primary{padding:9px 12px;font-size:13.5px}.brand{gap:8px}}
.cta-band .btn-gold{background:var(--blue-dark);color:#fff}