:root {
  --bg: #0b1220;
  --panel: #101a2d;
  --panel-2: #14213a;
  --text: #eef2fc;
  --muted: #b8c4dc;
  --line: rgba(255,255,255,0.14);
  --accent: #6ea8fe;
  --accent-2: #e8f0ff;
  --surface: #ffffff;
  --surface-text: #162033;
  --surface-muted: #5f6f8b;
  --max: 1400px;
  --radius: 20px;
  --shadow: 0 18px 50px rgba(0,0,0,0.22);
  --section-padding: 4.2rem;
  --section-padding-mobile: 2.5rem;
  --hero-padding-y: 4rem;
  --hero-padding-y-mobile: 2.5rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, system-ui, sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top right, rgba(255,255,255,0.04), transparent 40%),
    radial-gradient(circle at top left, rgba(110,168,254,0.18), transparent 30%),
    linear-gradient(180deg, #0d1525 0%, #121c35 100%);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.container { width: min(var(--max), calc(100% - 2rem)); margin: 0 auto; padding: 0 1rem; }

.breadcrumb {
  padding: 0.75rem 0;
  font-size: 0.875rem;
  color: var(--muted);
  border-bottom: 1px solid var(--line);
}
.breadcrumb .container { display: flex; align-items: center; flex-wrap: wrap; gap: 0.35rem; }
.breadcrumb a { color: var(--accent); }
.breadcrumb a:hover { color: var(--accent-2); text-decoration: underline; }
.breadcrumb .sep { color: var(--muted); opacity: 0.7; user-select: none; }
.breadcrumb [aria-current="page"] { color: var(--text); font-weight: 500; }

.quick-answer {
  padding: 1rem 1.25rem;
  margin-bottom: 1.25rem;
  background: rgba(110,168,254,0.08);
  border: 1px solid rgba(110,168,254,0.25);
  border-radius: var(--radius);
  font-size: 0.95rem;
  line-height: 1.6;
}
.quick-answer p { margin: 0; color: var(--accent-2); }
.quick-answer strong { color: var(--text); }

.opt-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.25rem 0;
  font-size: 0.95rem;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
}
.opt-table th, .opt-table td {
  padding: 0.85rem 1rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
}
.opt-table th {
  background: rgba(255,255,255,0.08);
  color: var(--text);
  font-weight: 600;
}
.opt-table td { color: var(--muted); }
.opt-table tr:last-child td { border-bottom: 0; }
.opt-table tr:hover td { background: rgba(255,255,255,0.03); }

.glossary-term { margin-bottom: 2rem; }
.glossary-term h3 { font-size: 1.15rem; margin-bottom: 0.5rem; color: var(--accent-2); }
.glossary-term p { margin: 0; color: var(--muted); line-height: 1.65; }

.last-updated { font-size: 0.85rem; color: var(--muted); margin: 0 0 1rem; }
.key-takeaways { padding: 1.25rem; margin: 1.5rem 0; background: rgba(255,255,255,0.06); border: 1px solid var(--line); border-radius: var(--radius); }
.key-takeaways h3 { font-size: 1rem; margin-bottom: 0.75rem; color: var(--accent-2); }
.key-takeaways ul { margin: 0; padding-left: 1.25rem; color: var(--muted); font-size: 0.95rem; line-height: 1.6; }
.key-takeaways li { margin-bottom: 0.4rem; }
.definition-block { padding: 0.75rem 0; margin: 0.5rem 0 1rem; border-left: 3px solid var(--accent); padding-left: 1rem; margin-left: 0; }
.definition-block p { margin: 0; color: var(--muted); font-size: 0.95rem; line-height: 1.6; }

.site-header {
  position: sticky;
  top: 0;
  width: 100%;
  backdrop-filter: blur(20px);
  background: rgba(11,18,32,0.95);
  border-bottom: 1px solid rgba(255,255,255,0.05);
  z-index: 20;
}
.site-header .container {
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 0 2rem;
  box-sizing: border-box;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 2rem;
  width: 100%;
}
.nav nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-wrap: wrap;
  flex: 1;
  justify-content: flex-end;
}
.nav nav > a:not(.btn) {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
  padding: 0.55rem 0.85rem;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
}
.nav nav > a:not(.btn):hover { color: var(--text); background: rgba(255,255,255,0.05); }
.brand {
  font-weight: 600;
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 1rem;
  text-decoration: none;
  color: inherit;
  flex-shrink: 0;
}
.brand img { height: 46px; width: auto; display: block; mix-blend-mode: screen; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; gap: 0.12rem; line-height: 1.3; }
.brand-name { font-size: 1.05rem; font-weight: 600; color: var(--text); letter-spacing: -0.01em; }
.brand-tagline { font-size: 0.68rem; font-weight: 500; color: var(--muted); opacity: 0.85; text-transform: lowercase; letter-spacing: 0.05em; }

.hero { padding: var(--hero-padding-y) 0; }
.hero-main { max-width: 72ch; margin-left: auto; margin-right: auto; text-align: center; }
.hero-main h1,
.hero-main .lead { margin-left: auto; margin-right: auto; }
.hero-main .hero-actions { justify-content: center; }
.hero-main .hero-points { text-align: left; display: inline-block; margin-left: auto; margin-right: auto; }
.hero-main .quick-answer { text-align: left; }
.hero.compact { padding-top: var(--hero-padding-y); }
.hero-single .hero-grid { grid-template-columns: 1fr; }
.hero-single .hero-main { max-width: 100%; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 2.5rem;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  margin: 0 0 0.75rem;
  color: var(--accent);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
}
h1, h2, h3 { line-height: 1.08; margin: 0 0 0.75rem; letter-spacing: -0.03em; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); max-width: 14ch; font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3vw, 2.7rem); max-width: 18ch; }
h3 { font-size: 1.1rem; }
.lead { font-size: 1.08rem; color: var(--muted); max-width: 62ch; }
.hero-actions, .cta-stack {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
  align-items: center;
}
.hero-actions .btn-primary,
.cta-stack .btn-primary {
  order: -1;
}
.hero-points, .plain-list, .check-list {
  margin: 1.25rem 0 0;
  padding-left: 1.1rem;
  color: var(--muted);
}
.section .container > .check-list {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
}
.hero-card, .card, .list-card, .trust-box, .referral-form {
  background: rgba(255,255,255,0.07);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card {
  padding: 1.5rem;
}
.hero-card-intro {
  font-size: 0.95rem;
  color: var(--muted);
  margin: 0 0 1rem;
  line-height: 1.5;
}
.mini-stat {
  padding: 0.95rem 0;
  border-top: 1px solid var(--line);
  color: var(--accent-2);
}
.mini-stat:first-of-type { border-top: 0; }
.hero-card-list {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--accent-2);
  font-size: 0.95rem;
  line-height: 1.6;
}
.hero-card-list li { margin-bottom: 0.5rem; }

.section { padding: 2rem 0 var(--section-padding); }
.section.alt { background: rgba(255,255,255,0.06); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-heading { margin-bottom: 1.5rem; text-align: center; }
.section-heading h2 { margin-left: auto; margin-right: auto; }
.section-desc {
  font-size: 1rem;
  color: var(--muted);
  max-width: 72ch;
  margin: 0.5rem auto 0;
  line-height: 1.6;
  text-align: center;
}
.info-content {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.info-content ul { text-align: left; display: inline-block; margin-left: auto; margin-right: auto; }
.info-content p {
  margin: 0 0 1rem;
  color: var(--muted);
  line-height: 1.65;
}
.info-content p:last-child { margin-bottom: 0; }
.info-content ul { margin: 1rem 0; }
.article-body {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
  color: var(--muted);
  line-height: 1.7;
}
.article-body p { margin: 0 0 1.25rem; }
.article-body h2 { margin: 2.5rem 0 1rem; font-size: 1.5rem; color: var(--text); }
.article-body h3 { margin: 1.75rem 0 0.75rem; font-size: 1.15rem; color: var(--accent-2); }
.article-body ul, .article-body ol { margin: 1rem 0; padding-left: 1.5rem; }
.article-body li { margin-bottom: 0.5rem; }
.article-body a { color: var(--accent); text-decoration: underline; text-underline-offset: 3px; }
.article-body a:hover { color: var(--accent-2); }
.article-meta { font-size: 0.9rem; color: var(--muted); margin-bottom: 1.5rem; }
.blog-date { font-size: 0.85rem; color: var(--muted); margin-bottom: 0.5rem; }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 1.5rem; }
.blog-card { padding: 1.5rem; background: rgba(255,255,255,0.07); border: 1px solid var(--line); border-radius: var(--radius); }
.blog-card h3 { margin-bottom: 0.5rem; }
.blog-card p { color: var(--muted); margin: 0; font-size: 0.95rem; line-height: 1.5; }
.blog-card a { color: inherit; }
.blog-card a:hover { color: var(--accent); }
.blog-page main .container { width: min(1400px, calc(100% - 2rem)); }
.blog-page .section-heading { text-align: center; }
.blog-page .section-heading h2 { margin-left: auto; margin-right: auto; }
.blog-page .hero-main { text-align: center; }
.blog-page .hero-main h1 { margin-left: auto; margin-right: auto; }
.blog-page .hero-main .lead { margin-left: auto; margin-right: auto; text-align: center; }
.blog-page .article-body { max-width: 85ch; margin-left: auto; margin-right: auto; text-align: left; }
.blog-page .blog-grid { max-width: 1200px; margin-left: auto; margin-right: auto; }
.hero-note {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 1rem 0 0;
  font-style: italic;
}
.steps-list {
  margin: 1rem 0;
  padding-left: 1.5rem;
  color: var(--muted);
}
.steps-list li { margin-bottom: 0.75rem; line-height: 1.5; }
.cta-note {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 0.75rem 0 0;
  grid-column: 1 / -1;
}
.agreement-cta {
  margin-top: 1.25rem;
  text-align: center;
}
.agreement-highlight {
  background: rgba(110,168,254,0.06);
  border: 1px solid rgba(110,168,254,0.2);
}
.agreement-download-card {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
  padding: 2rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px);
}
.agreement-download-content h3 { margin-bottom: 0.5rem; }
.agreement-download-content p { color: var(--muted); margin: 0; }
.agreement-pdf-preview .pdf-link-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 2rem;
  background: rgba(255,255,255,0.07);
  border: 1px dashed rgba(255,255,255,0.28);
  border-radius: var(--radius);
  color: var(--accent-2);
  transition: background 0.2s ease, border-color 0.2s ease;
}
.agreement-pdf-preview .pdf-link-block:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--accent);
}
.pdf-icon {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent);
  letter-spacing: 0.05em;
}
.pdf-open-label {
  font-size: 0.8rem;
  color: var(--muted);
}
.card-grid {
  display: grid;
  gap: 1rem;
}
.card-grid.three { grid-template-columns: repeat(3, 1fr); }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.card {
  padding: 1.35rem;
}
.card p { color: var(--muted); margin: 0; }

.split-grid, .trust-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.list-card, .trust-box { padding: 1.35rem; }
.list-card-narrow { max-width: 640px; }
.trust-box-narrow { max-width: 640px; }

.steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
}
.step {
  padding: 1.25rem;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.step span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 999px;
  margin-bottom: 1rem;
  font-weight: 800;
  background: rgba(110,168,254,0.15);
  color: var(--accent-2);
  border: 1px solid rgba(110,168,254,0.35);
}
.step p { margin: 0; color: var(--muted); }

.trust-panel {
  align-items: stretch;
  max-width: 90ch;
  margin-left: auto;
  margin-right: auto;
}
.faq-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.faq-grid-five {
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
}
.faq-grid-eight {
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
}
.services-list {
  columns: 2;
  column-gap: 2rem;
}
.services-list li { break-inside: avoid; margin-bottom: 0.35rem; }
@media (max-width: 600px) {
  .services-list { columns: 1; }
}
.cta-band-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.5rem;
  align-items: center;
  padding: 2rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px);
}
.cta-band .cta-stack { margin-top: 0; }
.sticky-cta-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 0.75rem 1rem;
  background: rgba(11,18,32,0.98);
  border-top: 1px solid var(--line);
  box-shadow: 0 -4px 20px rgba(0,0,0,0.3);
  transform: translateY(100%);
  transition: transform 0.3s ease;
}
.sticky-cta-bar.visible { transform: translateY(0); }
.sticky-cta-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.sticky-cta-bar .btn { flex-shrink: 0; }
.sticky-cta-bar p { margin: 0; color: var(--muted); font-size: 0.9rem; }
.site-footer {
  border-top: 1px solid var(--line);
  padding: 1.25rem 0 2rem;
  color: var(--muted);
  background: rgba(255,255,255,0.02);
}
.footer-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  flex-wrap: wrap;
}
.footer-links { display: flex; gap: 1rem; flex-wrap: wrap; }
.footer-contact { font-size: 0.9rem; margin: 0.5rem 0 0; }
.footer-contact a { color: var(--accent-2); }
.footer-contact a:hover { color: var(--accent); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.85rem 1.5rem;
  border-radius: 999px;
  background: var(--accent);
  color: #0b1220;
  font-weight: 700;
  border: 0;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(110,168,254,0.35); }
.btn-primary {
  min-height: 52px;
  padding: 1rem 1.75rem;
  font-size: 1.02rem;
  box-shadow: 0 4px 16px rgba(110,168,254,0.25);
}
.btn-primary:hover { box-shadow: 0 8px 24px rgba(110,168,254,0.4); }
.btn-secondary {
  background: transparent;
  color: var(--accent-2);
  border: 1px solid rgba(255,255,255,0.3);
}
.btn-secondary:hover { background: rgba(255,255,255,0.1); }
.btn-sm {
  min-height: 38px;
  padding: 0.5rem 1.1rem;
  font-size: 0.85rem;
  font-weight: 600;
  border-radius: 999px;
}
.btn-cta-nav {
  min-height: 40px;
  padding: 0.55rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: 999px;
  box-shadow: 0 2px 12px rgba(110,168,254,0.3);
}
.btn-cta-nav:hover { box-shadow: 0 4px 16px rgba(110,168,254,0.4); }
.footer-cta {
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  background: rgba(110,168,254,0.06);
}
.footer-cta .container {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer-cta p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}
@media (max-width: 600px) {
  .footer-cta .container { flex-direction: column; align-items: stretch; }
}

.form-wrap { max-width: 900px; }
.referral-form {
  padding: 1.4rem;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
label {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 1rem;
}
label span {
  font-weight: 600;
  color: var(--accent-2);
}
input, select, textarea {
  width: 100%;
  border-radius: 14px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(18,28,48,0.6);
  color: var(--text);
  padding: 0.95rem 1rem;
  font: inherit;
}
input::placeholder, textarea::placeholder { color: #89a; }
.form-actions {
  display: flex;
  gap: 1rem;
  align-items: center;
  flex-wrap: wrap;
}
.form-note {
  color: var(--muted);
  margin: 0;
}

@media (max-width: 1024px) {
  .hero-grid,
  .split-grid,
  .trust-panel,
  .cta-band-inner,
  .card-grid.four,
  .card-grid.three,
  .faq-grid,
  .steps,
  .agreement-download-card {
    grid-template-columns: 1fr 1fr;
  }
  .steps .step:last-child { grid-column: span 2; }
  .section { padding: 1.75rem 0 var(--section-padding); }
}

@media (max-width: 720px) {
  .container { padding: 0 1.25rem 0 1rem; margin-left: 1rem; }
  .hero { padding: var(--hero-padding-y-mobile) 0; }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }
  .hero-main { max-width: 100%; }
  .hero-actions, .cta-stack {
    flex-direction: column;
    align-items: stretch;
    gap: 0.75rem;
    margin-top: 1.25rem;
  }
  .hero-actions .btn-primary,
  .cta-stack .btn-primary { order: 0; }
  .hero-actions .btn,
  .cta-stack .btn { width: 100%; justify-content: center; }
  .hero-points { margin-top: 1rem; }
  .split-grid,
  .trust-panel,
  .cta-band-inner,
  .card-grid.four,
  .card-grid.three,
  .faq-grid,
  .steps,
  .form-grid,
  .agreement-download-card {
    grid-template-columns: 1fr;
  }
  .steps .step:last-child { grid-column: auto; }
  .section { padding: 1.5rem 0 var(--section-padding-mobile); }
  .section-heading { margin-bottom: 1.25rem; }
  .card-grid { gap: 0.875rem; }
  .card { padding: 1.15rem; }
  .list-card, .trust-box { padding: 1.15rem; }
  h1 { max-width: 100%; font-size: clamp(2rem, 8vw, 2.8rem); }
  h2 { max-width: 100%; font-size: clamp(1.4rem, 4vw, 1.8rem); }
  .site-header .container { padding: 0 1.25rem; }
  .nav {
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 0;
    min-height: auto;
    gap: 0.75rem;
  }
  .nav nav {
    flex-wrap: wrap;
    gap: 0.5rem;
    justify-content: flex-start;
  }
  .nav nav > a:not(.btn) { font-size: 0.85rem; padding: 0.4rem 0.5rem; }
  .brand { gap: 0.6rem; }
  .brand img { height: 36px; }
  .brand-name { font-size: 0.9rem; }
  .brand-tagline { font-size: 0.6rem; }
  .cta-band-inner {
    padding: 1.5rem;
    gap: 1.25rem;
  }
  .cta-band .cta-stack { flex-direction: column; }
  .site-footer { padding: 1.5rem 0 1.5rem; }
}