:root {
  --brand: #5b3df5;
  --brand-dark: #4526d6;
  --brand-soft: #f0edff;
  --coral: #ff6a4d;
  --coral-soft: #fff1ed;
  --mint: #12b886;
  --ink: #111027;
  --muted: #5d5b76;
  --line: #e8e6f2;
  --bg: #ffffff;
  --bg-soft: #f8f7fd;
  --radius: 16px;
  --shadow: 0 10px 30px -12px rgba(40, 20, 120, 0.18);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--brand); }
h1, h2, h3 { line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 0.5em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: min(1140px, 100% - 32px); margin-inline: auto; }
.section { padding: 88px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 640px; margin-bottom: 44px; }
.section-head.center { text-align: center; margin-inline: auto; }
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brand);
  background: var(--brand-soft);
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 16px;
}
.lead { font-size: 1.15rem; color: var(--muted); }
.muted { color: var(--muted); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--brand); color: #fff; text-decoration: none;
  font-weight: 700; font-size: 1rem;
  padding: 14px 26px; border-radius: 12px; border: 0; cursor: pointer;
  transition: background 0.15s, transform 0.15s;
}
.btn:hover { background: var(--brand-dark); transform: translateY(-1px); }
.btn-coral { background: var(--coral); }
.btn-coral:hover { background: #f0512f; }
.btn-ghost { background: transparent; color: var(--ink); border: 1.5px solid var(--line); }
.btn-ghost:hover { background: var(--bg-soft); }
.btn-sm { padding: 9px 18px; font-size: 0.92rem; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 70px; }
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; font-size: 1.3rem; color: var(--ink); text-decoration: none; letter-spacing: -0.02em;
}
.brand .wm b { color: var(--brand); font-weight: inherit; }
.brand .mark {
  width: 34px; height: 34px; border-radius: 10px;
  background: linear-gradient(135deg, var(--brand), var(--coral));
  display: grid; place-items: center; color: #fff;
}
.brand .mark svg { width: 20px; height: 20px; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: var(--muted); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.nav-links a:hover, .nav-links a.active { color: var(--ink); }
.nav-links a.btn { color: #fff; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; color: var(--ink); }

/* Hero */
.hero {
  padding: 80px 0 96px;
  background:
    radial-gradient(600px 400px at 90% 10%, rgba(255, 106, 77, 0.12), transparent 70%),
    radial-gradient(700px 500px at 10% 90%, rgba(91, 61, 245, 0.12), transparent 70%);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.hero h1 .hl {
  background: linear-gradient(90deg, var(--brand), var(--coral));
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 28px; color: var(--muted); font-size: 0.92rem; }
.trust-row span { display: flex; align-items: center; gap: 6px; }
.trust-row svg { width: 18px; height: 18px; color: var(--mint); flex-shrink: 0; }

.quote-card {
  background: #fff; border: 1px solid var(--line); border-radius: 22px;
  box-shadow: var(--shadow); padding: 32px;
}
.quote-card h2 { font-size: 1.5rem; }
.type-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 18px 0 20px; }
.type-grid input { position: absolute; opacity: 0; pointer-events: none; }
.type-grid label {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  padding: 14px 6px; border: 1.5px solid var(--line); border-radius: 12px;
  font-size: 0.85rem; font-weight: 600; cursor: pointer; text-align: center;
  transition: border-color 0.15s, background 0.15s;
}
.type-grid label svg { width: 24px; height: 24px; color: var(--brand); }
.type-grid input:checked + label { border-color: var(--brand); background: var(--brand-soft); }
.type-grid input:focus-visible + label { outline: 2px solid var(--brand); outline-offset: 2px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label { font-weight: 600; font-size: 0.92rem; }
.field input, .field select, .field textarea {
  font: inherit; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft); }
.quote-card .btn { width: 100%; }
.fineprint { font-size: 0.78rem; color: var(--muted); margin-top: 12px; line-height: 1.5; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding: 36px 0; border-block: 1px solid var(--line); }
.stat strong { display: block; font-size: 2rem; font-weight: 800; letter-spacing: -0.03em; }
.stat span { color: var(--muted); font-size: 0.92rem; }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; text-decoration: none; color: inherit;
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: transparent; }
.card .icon {
  width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center;
  background: var(--brand-soft); color: var(--brand); margin-bottom: 18px;
}
.card .icon.coral { background: var(--coral-soft); color: var(--coral); }
.card .icon svg { width: 24px; height: 24px; }
.card p { color: var(--muted); font-size: 0.97rem; }
.card .more { font-weight: 700; color: var(--brand); font-size: 0.95rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding: 28px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.step::before {
  counter-increment: step; content: counter(step);
  display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%;
  background: var(--ink); color: #fff; font-weight: 800; margin-bottom: 16px;
}
.step p { color: var(--muted); margin: 0; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 0 0 28px; }
.checklist li { display: flex; gap: 12px; margin-bottom: 14px; }
.checklist svg { width: 22px; height: 22px; color: var(--mint); flex-shrink: 0; margin-top: 2px; }
.panel {
  background: linear-gradient(145deg, var(--brand), #7c3aed 60%, var(--coral));
  border-radius: 24px; padding: 40px; color: #fff; box-shadow: var(--shadow);
}
.panel h3 { font-size: 1.4rem; }
.panel p { opacity: 0.9; }
.panel .tip { background: rgba(255, 255, 255, 0.14); border-radius: 12px; padding: 16px 18px; margin-top: 14px; font-size: 0.95rem; }

/* FAQ */
.faq { max-width: 780px; margin-inline: auto; }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { cursor: pointer; font-weight: 700; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--brand); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); margin: 12px 0 0; }

/* CTA band */
.cta-band { background: var(--ink); color: #fff; border-radius: 24px; padding: 56px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-band h2 { margin: 0 0 8px; }
.cta-band p { margin: 0; color: #c9c7df; }

/* Page hero */
.page-hero { padding: 72px 0 48px; background: var(--bg-soft); border-bottom: 1px solid var(--line); }
.page-hero .lead { max-width: 680px; }

/* Topic sections */
.topic { display: grid; grid-template-columns: 280px 1fr; gap: 48px; padding: 56px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 90px; }
.topic:last-child { border-bottom: 0; }
.topic-side .icon { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; background: var(--brand-soft); color: var(--brand); margin-bottom: 16px; }
.topic-side .icon svg { width: 28px; height: 28px; }
.topic-side .tag { font-size: 0.85rem; color: var(--muted); }
.topic-body h3 { margin-top: 1.4em; }
.topic-body ul { padding-left: 20px; color: var(--muted); }
.topic-body li { margin-bottom: 6px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 18px 0 0; }
.chips a { font-size: 0.88rem; padding: 7px 14px; border-radius: 999px; border: 1px solid var(--line); text-decoration: none; color: var(--ink); font-weight: 600; background: #fff; }
.chips a:hover { border-color: var(--brand); color: var(--brand); }

/* Prose (legal) */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.4rem; margin-top: 2em; }
.prose p, .prose li { color: #3c3a55; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 56px; }
.form-note { background: #e8f8f1; color: #0b7a57; padding: 14px 16px; border-radius: 12px; font-weight: 600; }

/* Footer */
.site-footer { background: #0d0c1f; color: #b7b5cf; padding: 64px 0 32px; margin-top: 88px; font-size: 0.93rem; }
.site-footer .brand { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 { color: #fff; font-size: 0.95rem; margin: 0 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: #b7b5cf; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.disclaimer { border-top: 1px solid #25233f; padding-top: 24px; font-size: 0.8rem; line-height: 1.6; color: #8886a3; }
.no-mt { margin-top: 0; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .split, .contact-grid { grid-template-columns: 1fr; }
  .card-grid, .steps { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .topic { grid-template-columns: 1fr; gap: 16px; }
  .cta-band { flex-direction: column; align-items: flex-start; padding: 40px 28px; }
}
@media (max-width: 720px) {
  .section { padding: 64px 0; }
  .hero { padding: 48px 0 64px; }
  .nav-toggle { display: block; }
  .nav-links {
    display: none; position: absolute; top: 70px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 16px 16px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 0; }
  .nav-links a.btn { margin-top: 8px; }
  .card-grid, .steps { grid-template-columns: 1fr; }
  .quote-card { padding: 24px; }
  .footer-grid { grid-template-columns: 1fr; }
}