:root{
  --bg: #ffffff;
  --surface: #F4F7FB;
  --text: #13202B;
  --muted: #3A4B5C;
  --brand: #0B2A4A;
  --brand-2: #0F4C81;
  --accent: #FF7A18;
  --ok: #1E7A3A;
  --border: #D9E2EC;
  --shadow: 0 10px 30px rgba(11, 42, 74, 0.12);
  --radius: 16px;
  --radius-sm: 12px;
  --max: 1100px;
  --focus: 3px solid rgba(255, 122, 24, 0.45);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  line-height:1.55;
  color: var(--text);
  background: var(--bg);
  text-rendering: optimizeLegibility;
}
img, svg{max-width:100%; height:auto; display:block}
a{color: var(--brand-2); text-underline-offset: 3px}
a:hover{color: var(--brand)}
a:focus{outline: var(--focus); outline-offset: 2px}
button:focus, input:focus, textarea:focus, select:focus{outline: var(--focus); outline-offset: 2px}

.skip-link{
  position:absolute; left:-999px; top:auto; width:1px; height:1px; overflow:hidden;
}
.skip-link:focus{
  left: 16px; top: 16px; width:auto; height:auto; padding:10px 14px;
  background: #fff; border: 2px solid var(--accent); border-radius: 10px; z-index: 9999;
}

.container{max-width: var(--max); margin: 0 auto; padding: 0 18px}
header{
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  gap: 12px; padding: 12px 0;
}
.brand{
  display:flex; align-items:center; gap: 12px; min-width: 220px;
  text-decoration:none; color: inherit;
}
.brand img{width: 220px; height: 44px}
.navlinks{display:none; gap: 14px; align-items:center}
.navlinks a{
  color: var(--muted);
  text-decoration:none;
  font-weight: 650;
  padding: 8px 10px;
  border-radius: 10px;
}
.navlinks a:hover{background: var(--surface); color: var(--brand)}
.cta-row{display:flex; gap: 10px; align-items:center}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  border-radius: 999px;
  padding: 10px 14px;
  font-weight: 750;
  text-decoration:none;
  border: 1px solid transparent;
  white-space: nowrap;
}
.btn.primary{background: var(--accent); color: #1b1108}
.btn.primary:hover{filter: brightness(0.95)}
.btn.secondary{background: #ffffff; border-color: var(--border); color: var(--brand)}
.btn.secondary:hover{background: var(--surface)}
.badge{
  display:inline-flex; align-items:center; gap: 8px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 6px 10px;
  color: var(--muted);
  font-weight: 650;
  font-size: 0.92rem;
}

.hero{
  padding: 28px 0 34px;
  background: linear-gradient(180deg, var(--surface), #ffffff);
}
.hero-grid{
  display:grid;
  grid-template-columns: 1fr;
  gap: 18px;
  align-items:center;
}
.card{
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card{padding: 18px}
h1{font-size: 1.75rem; line-height: 1.15; margin: 0 0 10px}
.lede{font-size: 1.05rem; color: var(--muted); margin: 0 0 14px}
.hero-actions{display:flex; flex-wrap:wrap; gap: 10px; margin: 10px 0 12px}
.callout{
  background: #fff;
  border: 1px solid var(--border);
  border-left: 6px solid var(--ok);
  border-radius: 14px;
  padding: 12px 14px;
  color: var(--muted);
}
.callout strong{color: var(--text)}
.kpis{display:grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 14px}
.kpi{
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 12px;
}
.kpi .big{font-size: 1.05rem; font-weight: 900; color: var(--brand); margin: 0}
.kpi .small{margin: 3px 0 0; color: var(--muted); font-weight: 650}

.section{padding: 30px 0}
.section h2{margin: 0 0 12px; font-size: 1.35rem; line-height:1.2}
.grid3{display:grid; grid-template-columns: 1fr; gap: 12px}
.feature{padding: 16px}
.feature h3{margin: 0 0 6px; font-size: 1.05rem}
.feature p{margin: 0; color: var(--muted)}
.list{
  margin: 0; padding-left: 18px; color: var(--muted);
}
.pillrow{display:flex; flex-wrap:wrap; gap: 10px}
.pill{
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 8px 10px;
  font-weight: 700;
  color: var(--muted);
}

.split{
  display:grid; grid-template-columns: 1fr; gap: 12px;
}
.panel{padding: 16px}
.panel h3{margin:0 0 8px}
.panel p{margin: 0 0 10px; color: var(--muted)}
.panel .btn{margin-top: 4px}

.faq details{
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 12px 14px;
  background: #fff;
}
.faq details + details{margin-top: 10px}
.faq summary{cursor:pointer; font-weight: 800; color: var(--brand)}
.faq p{margin: 8px 0 0; color: var(--muted)}

footer{
  border-top: 1px solid var(--border);
  padding: 22px 0;
  background: #fff;
}
.footer-grid{
  display:grid; grid-template-columns: 1fr; gap: 12px;
  color: var(--muted);
}
.footer-grid a{color: var(--muted)}
.footer-grid a:hover{color: var(--brand)}
.small{font-size: 0.95rem}
.notice{
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 12px 14px;
  color: var(--muted);
}

.form{
  display:grid; gap: 10px; margin-top: 10px;
}
label{font-weight: 800}
input, textarea{
  width:100%;
  border:1px solid var(--border);
  border-radius: 12px;
  padding: 12px 12px;
  font: inherit;
}
textarea{min-height: 120px; resize: vertical}
.help{font-size: 0.95rem; color: var(--muted)}

.sticky-call{
  position: fixed;
  bottom: 14px; left: 14px; right: 14px;
  display:flex; gap: 10px; z-index: 60;
}
.sticky-call .btn{flex:1; justify-content:center; box-shadow: var(--shadow)}
.sticky-call .btn.secondary{display:none}

@media (min-width: 740px){
  .navlinks{display:flex}
  .hero-grid{grid-template-columns: 1.15fr 0.85fr; gap: 18px}
  h1{font-size: 2.15rem}
  .grid3{grid-template-columns: repeat(3, 1fr)}
  .split{grid-template-columns: 1fr 1fr}
  .footer-grid{grid-template-columns: 1.2fr 0.8fr 1fr}
  .sticky-call{display:none}
}