:root {
  --bg: #f5f6f8;
  --white: #ffffff;
  --text: #1f2933;
  --muted: #5f6b76;
  --blue: #0f3d5e;
  --blue-2: #174f78;
  --blue-light: #e8f1f6;
  --accent: #c58a2a;
  --border: #d9dee3;
  --max: 1120px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
}

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

p {
  margin-top: 0;
}

header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 10;
}

.nav {
  max-width: var(--max);
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--blue);
}

.brand img {
  height: 34px;
  width: auto;
}

.nav-links {
  display: flex;
  gap: 22px;
  font-size: 0.95rem;
  color: var(--muted);
}

.nav-links a:hover {
  color: var(--blue);
}

.hero {
  background: linear-gradient(
    135deg,
    var(--blue) 0%,
    var(--blue-2) 100%
  );
  color: var(--white);
  padding: 88px 24px 80px;
}

.hero-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  color: #d7e8f2;
  margin-bottom: 16px;
  font-weight: 700;
}

h1 {
  font-size: clamp(2.2rem, 4vw, 4rem);
  line-height: 1.08;
  margin: 0 0 22px;
}

.subtitle {
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  color: #e9f3f8;
  margin: 0 0 32px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 34px;
}

.button {
  display: inline-block;
  padding: 13px 22px;
  border-radius: 4px;
  font-weight: 700;
  border: 1px solid transparent;
}

.button-primary {
  background: var(--accent);
  color: var(--white);
}

.button-secondary {
  border-color: rgba(255,255,255,0.55);
  color: var(--white);
}

.light .button-secondary {
  border-color: var(--blue);
  color: var(--blue);
}

.light .button-secondary:hover {
  background: var(--blue);
  color: var(--white);
}


.hero-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 56px;
  align-items: center;
}

.hero-card,
.card,
.contact-card,
.faq-card,
.legal-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 28px;
}

.hero-card h2,
.card h3,
.faq-card h3,
.legal-card h1,
.legal-card h2 {
  color: var(--blue);
}

.hero-card {
  color: var(--text);
  box-shadow: 0 18px 45px rgba(0,0,0,0.18);
}

.hero-card p,
.hero-card li,
.card p,
.faq-card p,
.legal-card p {
  color: var(--muted);
}

.hero-card h2 {
  margin-top: 0;
  margin-bottom: 16px;
}

.card h3 {
  margin-top: 0;
  margin-bottom: 12px;
}

.card p {
  margin: 0;
}

section {
  padding: 72px 24px;
}

.container {
  max-width: var(--max);
  margin: 0 auto;
}

.section-title {
  color: var(--blue);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  margin-bottom: 18px;
}

.section-lead {
  color: var(--muted);
  font-size: 1.08rem;
  margin-bottom: 36px;
}

.grid-3,
.grid-2 {
  display: grid;
  gap: 22px;
}


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

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

.light {
  background: var(--blue-light);
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.checklist {
  list-style: none;
  padding: 0;
  margin: 0;
}

.checklist li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 12px;
}

.checklist li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
}

.split {
  display: grid;
  grid-template-columns: 1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.quote-box {
  background: #ffffff;
  border-left: 6px solid var(--accent);
  border-radius: 8px;
  padding: 26px 30px;
  color: var(--blue);
  font-size: 1.08rem;
  font-weight: 700;
  line-height: 1.6;
  margin-top: 38px;
  max-width: 760px;
  box-shadow: 0 10px 28px rgba(15, 61, 94, 0.10);
}

.contact {
  background: var(--blue);
  color: var(--white);
  text-align: center;
}

.contact .section-title {
  color: var(--white);
}

.contact .section-lead {
  color: #e0edf4;
}

.contact-card {
  background: var(--white);
  color: var(--text);
  max-width: 680px;
  margin: 36px auto 0;
}

.contact-card a {
  color: var(--blue);
  font-weight: 700;
  text-decoration: none;
  border: none;
  outline: none;
}

.contact-card a:hover {
  text-decoration: underline;
}

.contact-card p {
  margin: 14px 0;
}


.faq-grid {
  display: grid;
  gap: 22px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  margin-bottom: 18px;
  padding: 0;
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  padding: 22px 26px;
  font-weight: 700;
  color: var(--blue);
  list-style: none;
  position: relative;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 24px;
  top: 18px;
  font-size: 1.4rem;
  color: var(--accent);
}

.faq-item[open] summary::after {
  content: "–";
}

.faq-item p {
  padding: 0 26px 18px;
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

.faq-item p:last-child {
  padding-bottom: 24px;
}

.legal-main {
  padding: 72px 24px;
}

.legal-section {
  max-width: 900px;
  margin: 0 auto;
}

.muted {
  color: var(--muted);
}

footer {
  background: #152633;
  color: #cbd5dc;
  padding: 28px 24px;
}

.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-inner a {
  color: #ffffff;
  margin-left: 16px;
}


@media (max-width: 900px) {
  .hero-inner,
  .split,
  .grid-3,
  .grid-2 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .nav {
    flex-direction: column;
    align-items: flex-start;
  }

  .nav-links {
    flex-wrap: wrap;
    gap: 12px 18px;
  }

  .hero,
  section,
  .legal-main {
    padding-left: 20px;
    padding-right: 20px;
  }

  .footer-inner {
    flex-direction: column;
  }
}