:root{
  --bg:#ffffff;
  --bg2:#f5f9ff;
  --text:#0b1220;
  --muted:#5b667a;
  --line:#e7eefb;
  --blue:#0b5fff;
  --blue2:#0848c6;
  --card:#ffffff;
  --shadow: 0 12px 28px rgba(8, 22, 55, .10);
  --radius: 18px;
  --radius2: 24px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background: radial-gradient(1200px 700px at 80% 0%, rgba(11,95,255,.12), transparent 60%),
              radial-gradient(900px 600px at 0% 15%, rgba(11,95,255,.08), transparent 55%),
              var(--bg);
  line-height:1.6;
}

a{color:var(--blue); text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%; height:auto}

.container{width:min(1120px, 92%); margin:0 auto}
.small-note{font-size:.85rem; color:var(--muted); margin:.75rem 0 0}
.tiny{font-size:.82rem}
.muted{color:var(--muted)}
.small{font-size:1rem}
.small-gap{margin-top:.35rem}

.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 12px;
  background:var(--bg); border:1px solid var(--line); border-radius:10px;
  z-index:9999;
}

/* Header */
.site-header{
  position:sticky; top:0; z-index:20;
  backdrop-filter:saturate(180%) blur(10px);
  background:rgba(255,255,255,.75);
  border-bottom:1px solid var(--line);
}
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
  gap:14px;
}
.brand{
  display:flex; align-items:center; gap:12px;
  min-width: 220px;
}
.logo{
  width:40px; height:40px; border-radius:12px;
  background: radial-gradient(circle at 30% 30%, rgba(255,255,255,.9), rgba(255,255,255,.0) 55%),
              linear-gradient(135deg, var(--blue), var(--blue2));
  box-shadow:0 10px 22px rgba(11,95,255,.25);
}
.brand-text{display:flex; flex-direction:column; line-height:1.1}
.brand-name{font-weight:800; letter-spacing:-.02em}
.brand-sub{font-size:.86rem; color:var(--muted); font-weight:500}

.nav{
  display:flex; align-items:center; gap:18px;
}
.nav a{font-weight:600; color:var(--text); opacity:.9}
.nav a.btn{color:white}
.nav a:hover{opacity:1}

.nav-toggle{
  display:none;
  width:44px; height:44px; border-radius:14px;
  border:1px solid var(--line);
  background:var(--bg);
  box-shadow: 0 10px 20px rgba(8, 22, 55, .06);
  cursor:pointer;
}
.nav-toggle span{
  display:block; height:2px; background:var(--text);
  margin:6px 10px; border-radius:10px; opacity:.85;
}

/* Buttons */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px;
  border-radius:14px;
  background: linear-gradient(135deg, var(--blue), var(--blue2));
  color:white;
  font-weight:700;
  border:1px solid rgba(255,255,255,.0);
  box-shadow: 0 12px 22px rgba(11,95,255,.20);
  transition: transform .12s ease, box-shadow .12s ease;
}
.btn:hover{transform:translateY(-1px); box-shadow: 0 14px 26px rgba(11,95,255,.25); text-decoration:none}
.btn:active{transform:translateY(0px)}
.btn-small{padding:10px 14px; border-radius:12px; font-size:.95rem}
.btn-ghost{
  background:transparent;
  color:var(--text);
  border:1px solid var(--line);
  box-shadow:none;
}
.btn-ghost:hover{box-shadow:0 12px 20px rgba(8, 22, 55, .08)}

/* Hero */
.hero{padding:54px 0 26px}
.hero-grid{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:28px;
  align-items:stretch;
}
.pill{
  display:inline-flex; gap:8px; align-items:center;
  padding:8px 12px;
  background:rgba(11,95,255,.10);
  border:1px solid rgba(11,95,255,.18);
  border-radius:999px;
  color:var(--blue2);
  font-weight:700;
  font-size:.9rem;
}
h1{
  font-size: clamp(2.15rem, 4.2vw, 3.2rem);
  line-height:1.08;
  letter-spacing:-.03em;
  margin:14px 0 10px;
}
.accent{
  background: linear-gradient(135deg, var(--blue), var(--blue2));
  -webkit-background-clip:text; background-clip:text;
  -webkit-text-fill-color:transparent;
}
.lead{font-size:1.12rem; color:var(--muted); margin:0 0 18px}
.cta-row{display:flex; gap:12px; flex-wrap:wrap; margin-top:8px}

.trust-row{
  display:flex; gap:16px; flex-wrap:wrap;
  margin-top:22px;
}
.trust-item{
  border:1px solid var(--line);
  background:rgba(255,255,255,.65);
  border-radius:16px;
  padding:10px 12px;
  min-width: 160px;
}
.trust-title{display:block; font-weight:800; font-size:.95rem}
.trust-desc{display:block; color:var(--muted); font-weight:600; font-size:.88rem}

.hero-card{
  border-radius: var(--radius2);
  border:1px solid var(--line);
  background: linear-gradient(180deg, rgba(255,255,255,.95), rgba(245,249,255,.78));
  box-shadow: var(--shadow);
  padding:18px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  min-height: 380px;
}
.flow{display:grid; grid-template-columns:1fr auto 1fr; gap:12px; align-items:center}
.flow-col{display:flex; flex-direction:column; gap:12px}
.flow-box{
  display:flex; gap:12px; align-items:center;
  padding:12px;
  border-radius:16px;
  border:1px solid var(--line);
  background:rgba(255,255,255,.88);
}
.flow-icon{width:34px; height:34px; display:grid; place-items:center; border-radius:12px;
  background:rgba(11,95,255,.10); border:1px solid rgba(11,95,255,.15);
}
.flow-title{font-weight:800}
.flow-sub{font-size:.9rem; color:var(--muted); font-weight:600}
.flow-arrow{font-size:1.4rem; opacity:.55; text-align:center}
.flow-divider{width:1px; height:160px; background:linear-gradient(180deg, transparent, rgba(11,95,255,.28), transparent);}

.hero-card-footer{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:10px;
  margin-top:14px;
}
.stat{
  border:1px solid var(--line);
  background:rgba(255,255,255,.7);
  border-radius:16px;
  padding:10px 12px;
}
.stat-num{font-weight:900; font-size:1.05rem}
.stat-label{color:var(--muted); font-weight:600; font-size:.86rem}

/* Sections */
.section{padding:52px 0}
.section-alt{
  background: linear-gradient(180deg, rgba(245,249,255,.9), rgba(245,249,255,.55));
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.section-head{max-width:720px; margin-bottom:22px}
.section-head h2{font-size: clamp(1.65rem, 3vw, 2.2rem); margin:0 0 8px; letter-spacing:-.02em}
.section-head p{margin:0; color:var(--muted); font-size:1.05rem}

.cards{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:16px;
}
.card{
  border:1px solid var(--line);
  background:rgba(255,255,255,.9);
  border-radius: var(--radius);
  padding:18px;
  box-shadow:0 10px 20px rgba(8, 22, 55, .06);
}
.card h3{margin:0 0 10px}
.card p{margin:0 0 12px; color:var(--muted)}
.checklist{list-style:none; padding:0; margin:0; display:grid; gap:10px}
.checklist li{
  position:relative; padding-left:28px; color:var(--text); font-weight:600;
}
.checklist li::before{
  content:"✓";
  position:absolute; left:0; top:0;
  width:20px; height:20px;
  border-radius:8px;
  display:grid; place-items:center;
  background:rgba(11,95,255,.12);
  border:1px solid rgba(11,95,255,.18);
  color:var(--blue2);
  font-weight:900;
}
.checklist.big li{font-size:1.02rem; padding-left:30px}

.steps{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap:14px;
}
.step{
  display:flex; gap:14px;
  padding:16px;
  border:1px solid var(--line);
  border-radius: var(--radius);
  background:rgba(255,255,255,.85);
}
.step-num{
  width:38px; height:38px; border-radius:14px;
  display:grid; place-items:center;
  font-weight:900;
  background: linear-gradient(135deg, rgba(11,95,255,.18), rgba(11,95,255,.08));
  border:1px solid rgba(11,95,255,.22);
  color:var(--blue2);
}
.step h3{margin:0 0 6px}
.step p{margin:0; color:var(--muted)}

.callout{
  margin-top:18px;
  display:flex; gap:14px; align-items:flex-start;
  padding:18px;
  border-radius: var(--radius2);
  border:1px solid rgba(11,95,255,.18);
  background:rgba(11,95,255,.06);
}
.callout-icon{
  width:44px; height:44px; border-radius:16px;
  display:grid; place-items:center;
  background:rgba(255,255,255,.75);
  border:1px solid rgba(11,95,255,.18);
  box-shadow:0 12px 18px rgba(11,95,255,.12);
}
.callout h3{margin:0 0 6px}
.callout p{margin:0}

/* Split panel */
.split{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap:18px;
  align-items:start;
}
.panel{
  border:1px solid var(--line);
  background:rgba(255,255,255,.9);
  border-radius: var(--radius2);
  padding:18px;
  box-shadow:0 10px 22px rgba(8, 22, 55, .06);
}
.panel h3{margin:0 0 8px}
.panel hr{border:none; border-top:1px solid var(--line); margin:16px 0}

.chips{display:flex; gap:10px; flex-wrap:wrap}
.chip{
  display:inline-flex; align-items:center; justify-content:center;
  padding:8px 10px;
  border-radius:999px;
  border:1px solid var(--line);
  background:rgba(245,249,255,.9);
  font-weight:700;
  color:var(--text);
}

/* Accordion */
.accordion{display:grid; gap:12px}
.acc-item{
  border:1px solid var(--line);
  border-radius: var(--radius);
  background:rgba(255,255,255,.9);
  padding:12px 14px;
}
.acc-item summary{
  cursor:pointer;
  font-weight:800;
  list-style:none;
}
.acc-item summary::-webkit-details-marker{display:none}
.acc-body{color:var(--muted); margin-top:10px; padding-left:2px}

/* CTA form */
.cta-card{
  border-radius: var(--radius2);
  border:1px solid var(--line);
  background: linear-gradient(180deg, rgba(255,255,255,.92), rgba(245,249,255,.78));
  box-shadow: var(--shadow);
  padding:18px;
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:18px;
}
.mini-grid{display:grid; grid-template-columns: repeat(3, 1fr); gap:12px; margin-top:16px}
.mini{
  border:1px solid var(--line);
  background:rgba(255,255,255,.75);
  border-radius:16px;
  padding:10px 12px;
}
.mini-title{font-weight:900}
.mini-desc{color:var(--muted); font-weight:600; font-size:.9rem}

.form{display:grid; gap:12px}
label span{display:block; font-weight:800; font-size:.92rem; margin-bottom:6px}
input, select, textarea{
  width:100%;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid var(--line);
  background:rgba(255,255,255,.95);
  font:inherit;
  outline:none;
}
input:focus, select:focus, textarea:focus{
  border-color: rgba(11,95,255,.45);
  box-shadow:0 0 0 4px rgba(11,95,255,.12);
}
.checkbox{display:flex; align-items:flex-start; gap:10px}
.checkbox input{width:auto; margin-top:4px}
#formNote{margin:0}

/* Footer */
.site-footer{
  border-top:1px solid var(--line);
  background:rgba(255,255,255,.75);
  padding:22px 0;
}
.footer-inner{
  display:flex; align-items:flex-start; justify-content:space-between; gap:18px;
}
.footer-links{display:flex; gap:14px; flex-wrap:wrap}
.brand-footer{min-width:auto}

/* Legal pages */
.legal{padding:34px 0 60px}
.legal-wrap{max-width:900px}
.legal-card{
  border:1px solid var(--line);
  background:rgba(255,255,255,.92);
  border-radius: var(--radius2);
  padding:18px;
  box-shadow:0 10px 20px rgba(8, 22, 55, .06);
}
.legal-card h2{margin-top:18px}
.legal-card p, .legal-card li{color:var(--muted)}
.legal-card ul{margin-top:8px}

/* Responsive */
@media (max-width: 940px){
  .hero-grid{grid-template-columns:1fr; }
  .cards{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  .cta-card{grid-template-columns:1fr}
  .flow{grid-template-columns:1fr; gap:10px}
  .flow-divider{display:none}
  .flow-arrow{display:none}
}
@media (max-width: 760px){
  .nav-toggle{display:inline-flex; align-items:center; justify-content:center}
  .nav{
    position:absolute; right:4%; top:64px;
    flex-direction:column; align-items:stretch;
    background:rgba(255,255,255,.95);
    border:1px solid var(--line);
    border-radius:18px;
    padding:10px;
    box-shadow:0 16px 28px rgba(8, 22, 55, .10);
    min-width: 220px;
    display:none;
  }
  .nav.open{display:flex}
  .nav a{padding:10px 10px; border-radius:14px}
  .nav a:hover{background:rgba(11,95,255,.06); text-decoration:none}
  .header-inner{position:relative}
}

/* ===== Mobile polish additions ===== */
@media (max-width: 940px){
  .hero{padding:42px 0 18px}
  .hero-card{min-height:auto}
  .hero-card-footer{grid-template-columns:1fr; gap:10px}
  .trust-item{min-width: 0; flex:1 1 220px}
  .mini-grid{grid-template-columns:1fr; gap:10px}
}

@media (max-width: 760px){
  body{background: radial-gradient(900px 520px at 70% 0%, rgba(11,95,255,.12), transparent 60%),
                  radial-gradient(700px 520px at 0% 15%, rgba(11,95,255,.08), transparent 55%),
                  var(--bg);}
  .container{width:min(1120px, 92%)}

  .header-inner{padding:12px 0}
  .brand{min-width:unset}
  .brand-sub{display:none}

  .nav{
    right:4%;
    left:4%;
    top:62px;
    min-width: unset;
  }
  .nav a.btn{width:100%; justify-content:center}
  .nav a{width:100%}

  h1{margin:12px 0 10px}
  .lead{font-size:1.05rem}
  .cta-row{gap:10px}
  .cta-row .btn{flex:1 1 220px}

  .trust-row{gap:10px}
  .trust-item{padding:10px 12px}

  .hero-card{padding:16px}
  .flow{grid-template-columns:1fr}
  .flow-col{gap:10px}
  .flow-box{padding:12px}

  .section{padding:44px 0}
  .section-head p{font-size:1rem}
  .card{padding:16px}

  .cta-card{padding:16px}
  .form{gap:10px}
  input, select, textarea{padding:12px 12px}
  .checkbox{gap:10px}
  .checkbox span{line-height:1.35}

  .footer-inner{flex-direction:column; align-items:flex-start}
  .footer-links{gap:10px}
}

@media (max-width: 420px){
  .container{width:min(1120px, 90%)}
  .logo{width:36px; height:36px; border-radius:12px}
  .btn{width:100%}
  .pill{font-size:.85rem}
  .flow-icon{width:32px; height:32px}
  .step{padding:14px}
  .step-num{width:34px; height:34px; border-radius:12px}
  .acc-item{padding:12px}
}