* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --primary: #0f4c81;
  --primary-dark: #09365d;
  --accent: #1ba6a6;
  --text: #1d2735;
  --muted: #5f6e81;
  --bg: #f3f7fb;
  --white: #ffffff;
  --line: #dbe5ef;
  --radius: 18px;
  --shadow: 0 14px 38px rgba(16, 39, 71, 0.12);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #f7fafe 0%, #eef4fb 100%);
  line-height: 1.65;
}

.container {
  width: min(1150px, 92%);
  margin: 0 auto;
}

.section { padding: 86px 0; }
.section-alt { background: rgba(255, 255, 255, 0.55); }

.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid rgba(219, 229, 239, 0.9);
  backdrop-filter: blur(8px);
}

.nav-wrap {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.logo {
  text-decoration: none;
  color: var(--text);
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #fff;
}

.nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav a {
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
}

.menu-btn {
  display: none;
  background: transparent;
  border: 0;
  cursor: pointer;
}

.menu-btn span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  margin: 5px 0;
}

.hero-grid,
.split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 34px;
  align-items: center;
}

.tag {
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 12px;
}

h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.15;
  margin-bottom: 16px;
}

h2 {
  font-size: clamp(1.55rem, 3vw, 2.2rem);
  line-height: 1.2;
  margin-bottom: 12px;
}

h3 { font-size: 1.12rem; margin-bottom: 8px; }

.hero-content p { color: var(--muted); }

.hero-actions {
  margin: 24px 0 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.hero-actions.center { justify-content: center; }

.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  text-decoration: none;
  font-weight: 700;
  color: #fff;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border: 2px solid transparent;
  padding: 12px 20px;
  border-radius: 12px;
  transition: transform .2s ease, box-shadow .2s ease;
  box-shadow: 0 10px 28px rgba(15, 76, 129, 0.28);
}

.btn:hover { transform: translateY(-2px); }
.btn-sm { padding: 9px 15px; font-size: .95rem; }

.btn-outline {
  background: var(--white);
  color: var(--primary);
  border-color: var(--primary);
  box-shadow: none;
}

.hero-points {
  list-style: none;
  display: grid;
  gap: 8px;
  color: var(--muted);
}

.hero-media img {
  width: 100%;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  object-fit: cover;
  min-height: 320px;
}

.section-head {
  max-width: 760px;
  margin: 0 auto 30px;
  text-align: center;
}

.grid {
  display: grid;
  gap: 18px;
}

.cards-4 { grid-template-columns: repeat(4, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
}

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

.card-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  font-size: 1.25rem;
  margin-bottom: 10px;
  background: #eaf2fb;
}

.check-list {
  margin-top: 14px;
  list-style: none;
  display: grid;
  gap: 8px;
}

.check-list li::before {
  content: "✔";
  margin-right: 8px;
  color: var(--primary);
  font-weight: 800;
}

.highlight-box {
  background: linear-gradient(180deg, #ffffff 0%, #eef5ff 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px;
}

.trust-card { text-align: center; }

.faq-wrap {
  max-width: 860px;
  margin: 0 auto;
  display: grid;
  gap: 12px;
}

.faq-wrap details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 14px 16px;
}

.faq-wrap summary {
  cursor: pointer;
  font-weight: 700;
}

.faq-wrap p {
  color: var(--muted);
  margin-top: 10px;
}

.final-cta .cta-box {
  background: linear-gradient(180deg, #ffffff 0%, #ebf3ff 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 38px;
  text-align: center;
}

.footer {
  background: #0d1d31;
  color: #d9e8ff;
  padding-top: 54px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.footer h3,
.footer h4 {
  color: #fff;
  margin-bottom: 10px;
}

.footer a {
  color: #d9e8ff;
  text-decoration: none;
}

.footer-bottom {
  text-align: center;
  border-top: 1px solid rgba(217, 232, 255, 0.2);
  margin-top: 28px;
  padding: 14px;
}

@media (max-width: 980px) {
  .cards-4,
  .cards-3,
  .footer-grid,
  .hero-grid,
  .split { grid-template-columns: 1fr 1fr; }

  .menu-btn { display: inline-block; }

  .nav {
    position: absolute;
    top: 76px;
    right: 4%;
    width: 240px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 14px;
    box-shadow: var(--shadow);
    padding: 14px;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .nav.open { display: flex; }
}

@media (max-width: 640px) {
  .section { padding: 72px 0; }

  .cards-4,
  .cards-3,
  .footer-grid,
  .hero-grid,
  .split { grid-template-columns: 1fr; }

  .final-cta .cta-box { padding: 26px 18px; }
}