:root {
  --ink: #132032;
  --muted: #5a6575;
  --line: #dfe6ee;
  --paper: #ffffff;
  --soft: #f3f6f9;
  --accent: #0c5a71;
  --accent-dark: #073f50;
  --accent-2: #f2b84b;
  --danger: #9d2d20;
  --max: 1120px;
  --radius: 16px;
  --shadow: 0 14px 40px rgba(19, 32, 50, 0.10);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
}
a { color: var(--accent); }
a:hover { color: var(--accent-dark); }
.skip-link {
  position: absolute; left: -999px; top: auto; width: 1px; height: 1px; overflow: hidden;
}
.skip-link:focus { left: 1rem; top: 1rem; width: auto; height: auto; padding: .75rem; background: #fff; z-index: 1000; }
.topbar {
  background: var(--ink); color: #fff; font-size: .92rem;
}
.topbar .wrap, .header .wrap, .wrap { max-width: var(--max); margin: 0 auto; padding: 0 1rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 1rem; align-items: center; min-height: 42px; }
.topbar a { color: #fff; font-weight: 700; text-decoration: none; }
.header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header .wrap { min-height: 76px; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.brand { display: flex; align-items: center; gap: .75rem; text-decoration: none; color: var(--ink); }
.brand-mark { width: 44px; height: 44px; }
.brand strong { display: block; font-size: 1.05rem; letter-spacing: -.01em; }
.brand span { display: block; color: var(--muted); font-size: .84rem; }
.nav { display: flex; gap: 1rem; align-items: center; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 700; font-size: .94rem; }
.nav a:hover { color: var(--accent); }
.call-button, .button {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  background: var(--accent); color: #fff !important; text-decoration: none; border-radius: 999px;
  padding: .8rem 1.1rem; font-weight: 800; border: 0; cursor: pointer; box-shadow: 0 8px 18px rgba(12,90,113,.22);
}
.button.secondary { background: #fff; color: var(--accent-dark) !important; border: 2px solid var(--accent); box-shadow: none; }
.button.warn { background: var(--danger); }
.menu-toggle { display: none; background: #fff; border: 1px solid var(--line); padding: .6rem .8rem; border-radius: 10px; font-weight: 800; }
.hero { background: linear-gradient(135deg, #eef5f8 0%, #ffffff 62%); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(320px, .75fr); gap: 2rem; padding-top: 3rem; padding-bottom: 3rem; align-items: center; }
.eyebrow { color: var(--accent); font-weight: 900; text-transform: uppercase; letter-spacing: .08em; font-size: .82rem; }
h1 { font-size: clamp(2rem, 4vw, 4rem); line-height: 1.05; margin: .5rem 0 1rem; letter-spacing: -.045em; }
h2 { font-size: clamp(1.55rem, 3vw, 2.5rem); line-height: 1.12; letter-spacing: -.035em; margin: 0 0 1rem; }
h3 { font-size: 1.18rem; margin: 0 0 .45rem; }
p { margin: 0 0 1rem; }
.lead { font-size: 1.18rem; color: #334155; max-width: 780px; }
.hero-actions { display: flex; gap: .85rem; flex-wrap: wrap; margin: 1.4rem 0; }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: .75rem; margin-top: 1.2rem; }
.trust-strip div { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: .85rem; font-weight: 800; font-size: .9rem; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.25rem; }
.hero-card { border-top: 6px solid var(--accent); }
.hero-card ul { margin: .25rem 0 1rem; padding-left: 1.25rem; }
.hero-card li { margin-bottom: .4rem; }
.notice { background: #fff8e8; border: 1px solid #efd18a; border-radius: 12px; padding: .9rem; font-size: .95rem; }
.notice.danger { background: #fff1ef; border-color: #efb4ab; }
.section { padding: 3.25rem 0; }
.section.soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.25rem; }
.service-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem; }
.service-card strong { color: var(--accent-dark); }
.checklist { list-style: none; padding: 0; margin: 1rem 0; }
.checklist li { position: relative; padding-left: 1.7rem; margin: .55rem 0; }
.checklist li::before { content: '✓'; position: absolute; left: 0; color: var(--accent); font-weight: 900; }
.warning-list li::marker { color: var(--danger); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
table { width: 100%; border-collapse: collapse; min-width: 720px; }
th, td { text-align: left; padding: .9rem; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: #edf5f8; color: var(--accent-dark); }
tr:last-child td { border-bottom: 0; }
.cta-band { background: var(--ink); color: #fff; }
.cta-band h2, .cta-band p { color: #fff; }
.cta-band .wrap { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; align-items: center; }
.form-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.25rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .9rem; }
.form-field { display: flex; flex-direction: column; gap: .35rem; }
.form-field.full { grid-column: 1 / -1; }
label { font-weight: 800; }
input, select, textarea {
  width: 100%; border: 1px solid #cbd5e1; border-radius: 10px; padding: .85rem; font: inherit; color: var(--ink); background: #fff;
}
textarea { min-height: 120px; resize: vertical; }
.help-text { color: var(--muted); font-size: .88rem; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: .6rem; align-items: start; font-size: .92rem; }
.consent input { width: auto; margin-top: .25rem; }
.footer { background: #0d1726; color: #dbe5ef; padding: 2rem 0 5rem; }
.footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 1.5rem; }
.footer small { color: #9fb0c2; }
.mobile-sticky { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60; background: #fff; border-top: 1px solid var(--line); padding: .6rem; gap: .6rem; box-shadow: 0 -6px 20px rgba(0,0,0,.08); }
.mobile-sticky a { flex: 1; }
.breadcrumbs { font-size: .9rem; color: var(--muted); margin-bottom: 1rem; }
.breadcrumbs a { color: var(--muted); }
.kicker-card { background: #edf8fb; border: 1px solid #c7e2ec; border-radius: 14px; padding: 1rem; }
.partner-box { border-left: 6px solid var(--accent-2); }
@media (max-width: 840px) {
  .menu-toggle { display: inline-block; }
  .nav { position: absolute; left: 0; right: 0; top: 76px; background: #fff; border-bottom: 1px solid var(--line); padding: 1rem; display: none; flex-direction: column; align-items: flex-start; }
  .nav.open { display: flex; }
  .header .call-button { display: none; }
  .hero .wrap, .grid-2, .grid-3, .cta-band .wrap, .footer-grid { grid-template-columns: 1fr; }
  .trust-strip { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .section { padding: 2.2rem 0; }
  .mobile-sticky { display: flex; }
}