:root {
  --bg: #f7f8fb;
  --panel: #ffffff;
  --ink: #111827;
  --muted: #5b6577;
  --line: #e5e7eb;
  --soft: #eef2f7;
  --accent: #1f3a5f;
  --accent-2: #0f766e;
  --danger: #7f1d1d;
  --radius: 18px;
  --shadow: 0 18px 50px rgba(17, 24, 39, 0.08);
}

* { 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;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.65;
}

a { color: inherit; text-decoration: none; }

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(247, 248, 251, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}

.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 750;
  letter-spacing: -0.02em;
}

.logo-mark {
  width: 38px;
  height: 38px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  display: grid;
  place-items: center;
  color: white;
  font-size: 13px;
  font-weight: 800;
  box-shadow: 0 10px 28px rgba(31, 58, 95, 0.25);
}

.navlinks {
  display: flex;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-size: 14px;
}

.navlinks a:hover { color: var(--ink); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 999px;
  padding: 11px 17px;
  background: var(--accent);
  color: #fff;
  font-weight: 650;
  font-size: 14px;
  border: 1px solid transparent;
}

.btn.secondary {
  background: #fff;
  color: var(--accent);
  border-color: var(--line);
}

.hero {
  padding: 78px 0 42px;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.07fr 0.93fr;
  gap: 34px;
  align-items: center;
}

.kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #e9f5f3;
  color: #0f766e;
  padding: 7px 12px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 13px;
}

h1 {
  margin: 18px 0 18px;
  font-size: clamp(38px, 6vw, 68px);
  line-height: 0.98;
  letter-spacing: -0.06em;
}

h2 {
  margin: 0 0 12px;
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.08;
  letter-spacing: -0.04em;
}

h3 {
  margin: 0 0 8px;
  font-size: 19px;
  letter-spacing: -0.02em;
}

p { margin: 0 0 14px; color: var(--muted); }

.lead {
  font-size: 18px;
  color: #3f4a5f;
  max-width: 780px;
}

.actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 26px;
}

.hero-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 28px;
  box-shadow: var(--shadow);
  position: relative;
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: 28px;
  padding: 1px;
  background: linear-gradient(135deg, rgba(31,58,95,0.2), rgba(15,118,110,0.15), transparent);
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
}

.stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 18px;
}

.stat {
  background: var(--soft);
  padding: 16px;
  border-radius: 18px;
  border: 1px solid var(--line);
}

.stat strong {
  display: block;
  color: var(--ink);
  font-size: 22px;
  line-height: 1;
  margin-bottom: 7px;
}

.stat span {
  color: var(--muted);
  font-size: 13px;
}

.section { padding: 58px 0; }

.section.alt { background: #fff; border-block: 1px solid var(--line); }

.section-head {
  display: flex;
  justify-content: space-between;
  gap: 26px;
  align-items: end;
  margin-bottom: 26px;
}

.section-head p { max-width: 620px; }

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 10px 30px rgba(17, 24, 39, 0.04);
}

.card .icon {
  width: 42px;
  height: 42px;
  border-radius: 14px;
  background: var(--soft);
  display: grid;
  place-items: center;
  margin-bottom: 14px;
  font-size: 20px;
}

.checklist {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.check {
  display: flex;
  gap: 10px;
  color: #3f4a5f;
}

.check::before {
  content: "✓";
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: #e9f5f3;
  color: var(--accent-2);
  font-size: 13px;
  font-weight: 800;
  margin-top: 2px;
}

.no-list .check::before {
  content: "—";
  background: #f4eeee;
  color: var(--danger);
}

.steps {
  counter-reset: step;
  display: grid;
  gap: 14px;
}

.step {
  counter-increment: step;
  display: grid;
  grid-template-columns: 54px 1fr;
  gap: 16px;
  align-items: start;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
}

.step::before {
  content: counter(step, decimal-leading-zero);
  height: 42px;
  border-radius: 14px;
  background: var(--accent);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 13px;
}

.notice {
  background: #f6f7fb;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}

.legal-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 28px;
  align-items: start;
  padding: 46px 0 70px;
}

.side {
  position: sticky;
  top: 96px;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
}

.side a {
  display: block;
  padding: 8px 0;
  color: var(--muted);
  font-size: 14px;
}

.side a:hover { color: var(--ink); }

.legal-main {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 34px;
  box-shadow: var(--shadow);
}

.legal-main h1 {
  font-size: clamp(34px, 4vw, 48px);
  margin-top: 0;
}

.legal-main h2 {
  font-size: 24px;
  margin-top: 28px;
}

.legal-main ul {
  color: var(--muted);
  padding-left: 20px;
}

.footer {
  background: #111827;
  color: #fff;
  padding: 40px 0;
}

.footer p, .footer a { color: #cbd5e1; }

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr;
  gap: 24px;
}

.small {
  font-size: 13px;
  color: #6b7280;
}

.disclaimer {
  font-size: 12px;
  color: #9ca3af;
  margin-top: 18px;
}

@media (max-width: 850px) {
  .nav { align-items: flex-start; padding: 16px 0; }
  .navlinks { display: none; }
  .hero-grid, .grid-3, .grid-2, .legal-layout, .footer-grid {
    grid-template-columns: 1fr;
  }
  .section-head {
    display: block;
  }
  .side {
    position: static;
  }
  .hero { padding-top: 46px; }
}