:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --text: #172033;
  --muted: #5d6879;
  --line: #dfe5ec;
  --accent: #1d4ed8;
  --accent-dark: #173b9a;
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); }
.container { width: min(var(--max), calc(100% - 40px)); margin: 0 auto; }
header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(10px);
}
.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--text);
  text-decoration: none;
}
.nav-links { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; }
.nav-links a { color: var(--text); text-decoration: none; font-weight: 600; }
.button {
  display: inline-block;
  border: 0;
  border-radius: 10px;
  padding: 13px 20px;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  cursor: pointer;
}
.button:hover { background: var(--accent-dark); }
.hero {
  padding: 96px 0 76px;
  background: linear-gradient(180deg, #eef4ff 0%, var(--bg) 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 48px;
  align-items: center;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .78rem;
  font-weight: 800;
  color: var(--accent);
}
h1 {
  margin: 10px 0 20px;
  max-width: 760px;
  font-size: clamp(2.5rem, 6vw, 5rem);
  line-height: 1.02;
}
h2 { font-size: clamp(1.8rem, 4vw, 2.7rem); line-height: 1.15; margin-top: 0; }
h3 { margin-top: 0; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 720px; }
.hero-card, .card, form {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: 0 14px 40px rgba(23,32,51,.07);
}
.hero-card { padding: 28px; }
.hero-card ul { padding-left: 20px; margin-bottom: 0; }
section { padding: 76px 0; }
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.card { padding: 26px; }
.muted { color: var(--muted); }
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  align-items: start;
}
.steps { counter-reset: steps; display: grid; gap: 16px; }
.step {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 20px 20px 20px 64px;
  position: relative;
}
.step::before {
  counter-increment: steps;
  content: counter(steps);
  position: absolute;
  left: 18px;
  top: 18px;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--accent);
  color: #fff;
  font-weight: 800;
}
form { padding: 28px; }
label { display: block; font-weight: 700; margin-bottom: 6px; }
input, textarea, select {
  width: 100%;
  padding: 12px 13px;
  border: 1px solid #cdd5df;
  border-radius: 9px;
  background: #fff;
  font: inherit;
  margin-bottom: 16px;
}
textarea { min-height: 130px; resize: vertical; }
.checkbox-row {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 10px;
  align-items: start;
  margin: 6px 0 18px;
}
.checkbox-row input { width: 18px; height: 18px; margin: 3px 0 0; }
.checkbox-row label { font-weight: 400; margin: 0; }
.disclosure {
  font-size: .92rem;
  color: var(--muted);
  background: #f8fafc;
  border-left: 4px solid var(--accent);
  padding: 14px 16px;
  margin: 18px 0;
}
footer {
  background: #111827;
  color: #d6dbe3;
  padding: 36px 0;
}
footer a { color: #fff; }
.footer-grid {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.legal {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 32px;
}
.notice {
  padding: 14px 16px;
  border-radius: 10px;
  background: #fff7ed;
  border: 1px solid #fed7aa;
  color: #9a3412;
  margin-bottom: 24px;
}
@media (max-width: 800px) {
  .hero-grid, .grid-3, .split { grid-template-columns: 1fr; }
  .nav { align-items: flex-start; padding: 16px 0; }
  .nav-links { gap: 12px; }
}