:root {
  --navy: #103a50;
  --navy-dark: #092d47;
  --navy-mid: #24556a;
  --gold: #d8b778;
  --gold-deep: #b89555;
  --bg: #f5f7f8;
  --text: #243746;
  --muted: #4d6270;
  --line: #d9e2e7;
  --white: #ffffff;
  --ok: #16805d;
  --ok-bg: #e8f6f0;
  --err: #b42318;
  --err-bg: #fdeceb;
  --warn-bg: #fbf6ea;
  --shadow: 0 18px 50px rgba(9, 45, 71, 0.12);
  --header: 72px;
  --radius: 18px;
  --font: "Plus Jakarta Sans", "Segoe UI", sans-serif;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  overflow-x: clip;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  font-size: 1rem;
  line-height: 1.6;
}

img, svg { display: block; max-width: 100%; }

a { color: inherit; }

button, input, select { font: inherit; }

.skip {
  position: absolute;
  left: 12px;
  top: -40px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 8px 12px;
  z-index: 20;
}

.skip:focus { top: 12px; }

.wrap {
  width: min(1120px, calc(100% - 32px));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  height: var(--header);
  display: flex;
  align-items: center;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(16, 58, 80, 0.08);
  backdrop-filter: blur(12px);
}

.header-inner {
  width: min(1120px, calc(100% - 32px));
  margin-inline: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: 0.08em;
  font-size: 0.95rem;
}

.brand img { width: 36px; height: 36px; }

.nav {
  display: none;
  align-items: center;
  gap: 18px;
}

.nav a {
  text-decoration: none;
  color: var(--navy-mid);
  font-size: 0.92rem;
  font-weight: 600;
}

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

.header-cta, .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 16px;
  border-radius: 999px;
  text-decoration: none;
  border: 0;
  cursor: pointer;
  font-weight: 700;
}

.header-cta, .btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
}

.btn-gold:hover { background: #e3c48b; }

.btn-navy {
  background: var(--navy);
  color: white;
}

.btn-ghost {
  background: transparent;
  color: white;
  border: 1px solid rgba(255, 255, 255, 0.45);
}

.btn-line {
  background: white;
  color: var(--navy);
  border: 1px solid var(--line);
}

.btn-block { width: 100%; }

.menu-toggle {
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  background: white;
  border-radius: 12px;
  display: grid;
  place-items: center;
  gap: 5px;
}

.menu-toggle span {
  display: block;
  width: 16px;
  height: 2px;
  background: var(--navy);
}

.mobile-nav {
  display: none;
  background: white;
  border-bottom: 1px solid var(--line);
  padding: 8px 16px 16px;
}

.mobile-nav.open { display: grid; }

.mobile-nav a {
  text-decoration: none;
  padding: 12px 8px;
  font-weight: 650;
  color: var(--navy);
  border-bottom: 1px solid var(--bg);
}

.hero {
  position: relative;
  background:
    radial-gradient(circle at 12% 20%, rgba(216, 183, 120, 0.18), transparent 28%),
    radial-gradient(circle at 90% 80%, rgba(36, 85, 106, 0.45), transparent 32%),
    linear-gradient(160deg, var(--navy-dark), var(--navy) 58%, #16475f);
  color: white;
  overflow: clip;
  padding: 28px 0 40px;
}

.hero::before {
  content: "";
  position: absolute;
  width: 280px;
  height: 280px;
  border: 1px solid rgba(216, 183, 120, 0.35);
  border-radius: 40px;
  right: -80px;
  top: -90px;
  transform: rotate(18deg);
  pointer-events: none;
}

.hero-grid { position: relative; display: flex; flex-direction: column; gap: 22px; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1 {
  margin: 0 0 12px;
  font-size: clamp(1.7rem, 4.4vw, 2.85rem);
  line-height: 1.18;
  letter-spacing: -0.03em;
}

.steps h3 { margin: 0 0 4px; font-size: 1rem; }

.lede {
  margin: 0 0 20px;
  max-width: 46ch;
  color: rgba(255, 255, 255, 0.86);
  font-size: 1.02rem;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; }

.stats {
  display: grid;
  gap: 10px;
  margin: 0;
}

.stat {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 14px;
  padding: 12px 14px;
}

.stat b { display: block; font-size: 0.98rem; }
.stat span { color: rgba(255, 255, 255, 0.72); font-size: 0.84rem; }

.fine {
  margin: 0;
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.78rem;
}

.card, .btn, .faq details { scroll-margin-top: 88px; }

.card {
  background: white;
  color: var(--text);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px 16px 16px;
}

.card h2 {
  margin: 0 0 4px;
  font-size: 1.2rem;
  color: var(--navy);
}

.card .purpose {
  margin: 0 0 14px;
  color: var(--muted);
  font-size: 0.9rem;
}

.progress {
  display: flex;
  gap: 6px;
  margin-bottom: 14px;
}

.progress i {
  height: 4px;
  flex: 1;
  border-radius: 99px;
  background: #e6ecef;
}

.progress i.on { background: var(--gold-deep); }

label {
  display: block;
  font-size: 0.86rem;
  font-weight: 700;
  margin: 12px 0 6px;
  color: var(--navy);
}

input, select {
  width: 100%;
  min-height: 48px;
  border-radius: 12px;
  border: 1px solid #c9d5dc;
  background: white;
  color: var(--text);
  padding: 0 12px;
  font-size: 16px;
}

input:focus, select:focus {
  outline: 2px solid rgba(216, 183, 120, 0.9);
  border-color: var(--navy-mid);
}

.grid-2 { display: grid; gap: 0 12px; }

.check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 12px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text);
}

.check input {
  width: 20px;
  height: 20px;
  min-height: 20px;
  margin-top: 2px;
  accent-color: var(--navy);
}

.form-actions { display: grid; gap: 8px; margin-top: 16px; }

.alert {
  border-radius: 12px;
  padding: 12px;
  margin: 0 0 12px;
  font-size: 0.92rem;
}

.alert-err { background: var(--err-bg); color: var(--err); }
.alert-ok { background: var(--ok-bg); color: #0e5a41; }
.alert-warn { background: var(--warn-bg); color: #6d5420; }

.result-list {
  display: grid;
  gap: 8px;
  margin: 0 0 12px;
  padding: 0;
  list-style: none;
}

.result-list li {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
  font-size: 0.95rem;
}

.result-list b { color: var(--navy); text-align: right; }

.section { padding: 56px 0; }
.section h2 {
  margin: 0 0 8px;
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  letter-spacing: -0.03em;
  color: var(--navy-dark);
}
.section .intro { margin: 0 0 22px; max-width: 62ch; color: var(--muted); }

.cards {
  display: grid;
  gap: 12px;
}

.icon-card, .plain-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px;
}

.icon-card .mark {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: #eef3f6;
  color: var(--navy);
  margin-bottom: 10px;
}

.icon-card h3, .plain-card h3 { margin: 0 0 6px; font-size: 1.02rem; }
.icon-card p, .plain-card p { margin: 0; color: var(--muted); font-size: 0.92rem; }

.note {
  margin: 14px 0 0;
  font-size: 0.88rem;
  color: var(--muted);
}

.steps { display: grid; gap: 10px; list-style: none; margin: 0; padding: 0; }

.steps li {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 12px;
  align-items: start;
  background: white;
  border-radius: 16px;
  padding: 14px;
  border: 1px solid var(--line);
}

.steps b {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--navy);
  color: var(--gold);
}

.split { display: grid; gap: 12px; }
.risk { border-top: 3px solid var(--err); }
.gain { border-top: 3px solid var(--ok); }
.plain-card ul { margin: 8px 0 0; padding-left: 18px; color: var(--text); }
.plain-card li + li { margin-top: 6px; }

.faq { display: grid; gap: 8px; }
.faq details {
  background: white;
  border: 1px solid var(--line);
  border-radius: 14px;
}
.faq summary {
  cursor: pointer;
  padding: 14px 16px;
  font-weight: 700;
  color: var(--navy);
}
.faq details p { margin: 0; padding: 0 16px 16px; color: var(--muted); }
.faq summary:focus-visible { outline: 2px solid var(--gold-deep); }

.contact-band {
  background: var(--navy);
  color: white;
  border-radius: 24px;
  padding: 28px 20px;
}
.contact-band p { color: rgba(255, 255, 255, 0.82); }
.contact-band a { color: var(--gold); }

.site-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.78);
  padding: 36px 0 28px;
  font-size: 0.9rem;
}
.footer-grid { display: grid; gap: 18px; }
.site-footer a { color: white; }
.site-footer .brand { color: white; margin-bottom: 8px; }
.legal-id { font-size: 0.8rem; }

.wa-float {
  position: fixed;
  right: 16px;
  bottom: 16px;
  z-index: 25;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #16805d;
  color: white;
  display: grid;
  place-items: center;
  box-shadow: 0 10px 24px rgba(9, 45, 71, 0.25);
}
.wa-float svg { width: 28px; height: 28px; }

.cookie {
  position: relative;
  z-index: 26;
  margin: 12px auto;
  width: min(1120px, calc(100% - 32px));
  background: white;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 12px;
  box-shadow: var(--shadow);
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  justify-content: space-between;
}
.cookie p { margin: 0; font-size: 0.86rem; max-width: 70ch; }
.cookie[hidden] { display: none; }

.legal-page { padding: 28px 0 64px; }
.legal-page h1 { color: var(--navy-dark); max-width: none; font-size: clamp(1.8rem, 4vw, 2.4rem); }
.legal-page h2 { font-size: 1.15rem; margin: 28px 0 8px; color: var(--navy); }
.legal-page p, .legal-page li { color: var(--muted); }
.legal-page a { color: var(--navy); }

@media (min-width: 720px) {
  .grid-2 { grid-template-columns: 1fr 1fr; }
  .cards.five { grid-template-columns: repeat(2, 1fr); }
  .cards.two, .split { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .card { padding: 22px; }
}

@media (min-width: 1024px) {
  .menu-toggle { display: none; }
  .nav { display: flex; }
  .header-cta { display: inline-flex; }
  .hero { padding: 54px 0 64px; }
  .hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
    column-gap: 40px;
    row-gap: 18px;
    align-items: start;
  }
  .hero-intro { grid-column: 1; grid-row: 1; }
  .hero-card { grid-column: 2; grid-row: 1 / span 3; }
  .stats { grid-column: 1; grid-row: 2; }
  .fine { grid-column: 1; grid-row: 3; }
  .cards.five { grid-template-columns: repeat(5, 1fr); }
  .steps { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1023px) {
  .site-header:has(.menu-toggle) .header-cta { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}