:root {
      --primary: #0b3b75;
      --primary-dark: #072b55;
      --accent: #f5b732;
      --accent-dark: #e0a21f;
      --text: #172033;
      --muted: #657083;
      --light: #f5f7fb;
      --white: #ffffff;
      --border: #dfe5ef;
      --success: #1f8f4d;
      --danger: #c0392b;
      --shadow: 0 20px 50px rgba(7, 43, 85, 0.12);
      --radius: 22px;
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--text);
      background: var(--white);
      line-height: 1.5;
    }

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

    .container {
      width: min(1160px, calc(100% - 40px));
      margin: 0 auto;
    }

    .top-bar {
      background: var(--primary-dark);
      color: var(--white);
      font-size: 14px;
      padding: 10px 0;
    }

    .top-bar-inner {
      display: flex;
      justify-content: space-between;
      gap: 16px;
      align-items: center;
      flex-wrap: wrap;
    }

    .top-bar strong {
      color: var(--accent);
    }

    header {
      background: var(--white);
      border-bottom: 1px solid var(--border);
      position: sticky;
      top: 0;
      z-index: 50;
    }

    .nav {
      height: 76px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
    }

    .logo {
      display: flex;
      align-items: center;
      gap: 12px;
      font-weight: 800;
      font-size: 24px;
      color: var(--primary);
      letter-spacing: 0.5px;
    }

    .logo-mark {
      width: 42px;
      height: 42px;
      border-radius: 12px;
      background: linear-gradient(135deg, var(--primary), #1a70c8);
      display: grid;
      place-items: center;
      color: var(--white);
      font-weight: 900;
      box-shadow: 0 10px 22px rgba(11, 59, 117, 0.22);
    }

    .nav-links {
      display: flex;
      gap: 24px;
      font-size: 15px;
      color: var(--muted);
      align-items: center;
    }

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

    .nav-cta {
      background: var(--accent);
      color: #1c2330;
      padding: 12px 18px;
      border-radius: 999px;
      font-weight: 700;
      transition: 0.2s ease;
    }

    .nav-cta:hover {
      background: var(--accent-dark);
      transform: translateY(-1px);
    }

    .hero {
      background:
        radial-gradient(circle at top right, rgba(245, 183, 50, 0.22), transparent 32%),
        linear-gradient(135deg, #f8fbff 0%, #edf4ff 100%);
      padding: 70px 0 64px;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1.05fr 0.95fr;
      gap: 48px;
      align-items: center;
    }

    .badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: #e8f1ff;
      color: var(--primary);
      padding: 9px 14px;
      border-radius: 999px;
      font-size: 14px;
      font-weight: 700;
      margin-bottom: 18px;
    }

    .badge span {
      width: 9px;
      height: 9px;
      background: var(--success);
      border-radius: 50%;
      display: inline-block;
    }

    h1 {
      font-size: clamp(34px, 5vw, 58px);
      line-height: 1.05;
      margin: 0 0 22px;
      letter-spacing: -1.6px;
      color: #0d1c32;
    }

    .hero p {
      font-size: 19px;
      color: var(--muted);
      margin: 0 0 28px;
      max-width: 630px;
    }

    .hero-actions {
      display: flex;
      gap: 14px;
      flex-wrap: wrap;
      align-items: center;
      margin-bottom: 28px;
    }

    .btn {
      border: 0;
      cursor: pointer;
      padding: 16px 22px;
      border-radius: 14px;
      font-weight: 800;
      font-size: 16px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      transition: 0.2s ease;
    }

    .btn-primary {
      background: var(--accent);
      color: #172033;
      box-shadow: 0 12px 24px rgba(245, 183, 50, 0.28);
    }

    .btn-primary:hover {
      background: var(--accent-dark);
      transform: translateY(-2px);
    }

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

    .btn-secondary:hover {
      border-color: var(--primary);
      transform: translateY(-2px);
    }

    .trust-list {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
      margin-top: 26px;
    }

    .trust-item {
      background: rgba(255,255,255,0.8);
      border: 1px solid rgba(223, 229, 239, 0.8);
      border-radius: 16px;
      padding: 16px;
      font-size: 14px;
      color: var(--muted);
    }

    .trust-item strong {
      display: block;
      color: var(--primary);
      font-size: 18px;
      margin-bottom: 4px;
    }

    .form-card {
      background: var(--white);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      padding: 28px;
      border: 1px solid rgba(223, 229, 239, 0.9);
    }

    .form-card h2 {
      margin: 0 0 8px;
      font-size: 28px;
      color: #0d1c32;
      letter-spacing: -0.6px;
    }

    .form-card .subtitle {
      margin: 0 0 22px;
      color: var(--muted);
      font-size: 15px;
    }

    .form-group {
      margin-bottom: 14px;
    }

    label {
      display: block;
      font-size: 14px;
      font-weight: 700;
      margin-bottom: 7px;
      color: #263248;
    }

    input,
    select,
    textarea {
      width: 100%;
      padding: 14px 15px;
      border-radius: 12px;
      border: 1px solid var(--border);
      font-size: 15px;
      outline: none;
      transition: 0.18s ease;
      background: #fff;
      color: var(--text);
    }

    input:focus,
    select:focus,
    textarea:focus {
      border-color: var(--primary);
      box-shadow: 0 0 0 4px rgba(11, 59, 117, 0.08);
    }

    textarea {
      min-height: 86px;
      resize: vertical;
    }

    .checkbox {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      font-size: 12px;
      color: var(--muted);
      margin: 14px 0;
    }

    .checkbox input {
      width: auto;
      margin-top: 3px;
    }

    .form-card .btn {
      width: 100%;
      margin-top: 6px;
    }

    .form-note {
      font-size: 12px;
      color: var(--muted);
      margin-top: 12px;
      text-align: center;
    }

    .message {
      display: none;
      padding: 13px 15px;
      border-radius: 12px;
      margin-top: 15px;
      font-size: 14px;
      font-weight: 700;
    }

    .message.success {
      background: #e9f8ef;
      color: var(--success);
      display: block;
    }

    .message.error {
      background: #fdecea;
      color: var(--danger);
      display: block;
    }

    section {
      padding: 76px 0;
    }

    .section-header {
      max-width: 760px;
      margin: 0 auto 38px;
      text-align: center;
    }

    .section-header h2 {
      margin: 0 0 12px;
      font-size: clamp(28px, 4vw, 42px);
      line-height: 1.15;
      letter-spacing: -1px;
      color: #0d1c32;
    }

    .section-header p {
      margin: 0;
      color: var(--muted);
      font-size: 18px;
    }

    .cards {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 22px;
    }

    .card {
      border: 1px solid var(--border);
      background: var(--white);
      border-radius: var(--radius);
      padding: 26px;
      box-shadow: 0 10px 30px rgba(7, 43, 85, 0.06);
    }

    .icon {
      width: 48px;
      height: 48px;
      border-radius: 14px;
      background: #e8f1ff;
      color: var(--primary);
      display: grid;
      place-items: center;
      font-weight: 900;
      font-size: 22px;
      margin-bottom: 18px;
    }

    .card h3 {
      margin: 0 0 10px;
      font-size: 21px;
      color: #0d1c32;
    }

    .card p {
      margin: 0;
      color: var(--muted);
      font-size: 15px;
    }

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

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

    .step {
      background: var(--white);
      border-radius: var(--radius);
      padding: 24px;
      border: 1px solid var(--border);
      position: relative;
    }

    .step::before {
      counter-increment: step;
      content: counter(step);
      width: 38px;
      height: 38px;
      border-radius: 50%;
      background: var(--accent);
      display: grid;
      place-items: center;
      font-weight: 900;
      margin-bottom: 18px;
      color: #172033;
    }

    .step h3 {
      margin: 0 0 8px;
      font-size: 18px;
    }

    .step p {
      margin: 0;
      color: var(--muted);
      font-size: 14px;
    }

    .split {
      display: grid;
      grid-template-columns: 0.9fr 1.1fr;
      gap: 46px;
      align-items: center;
    }

    .highlight-box {
      background: linear-gradient(135deg, var(--primary), #155cae);
      color: var(--white);
      border-radius: 28px;
      padding: 38px;
      box-shadow: var(--shadow);
    }

    .highlight-box h2 {
      margin: 0 0 14px;
      font-size: 34px;
      line-height: 1.15;
    }

    .highlight-box p {
      color: rgba(255,255,255,0.82);
      margin: 0 0 18px;
      font-size: 17px;
    }

    .highlight-list {
      display: grid;
      gap: 12px;
      margin-top: 24px;
    }

    .highlight-list div {
      background: rgba(255,255,255,0.1);
      border: 1px solid rgba(255,255,255,0.15);
      padding: 14px;
      border-radius: 14px;
    }

    .bullet-list {
      display: grid;
      gap: 14px;
    }

    .bullet {
      display: flex;
      gap: 13px;
      align-items: flex-start;
      border-bottom: 1px solid var(--border);
      padding-bottom: 14px;
    }

    .bullet:last-child {
      border-bottom: 0;
    }

    .check {
      min-width: 26px;
      height: 26px;
      border-radius: 50%;
      background: #e9f8ef;
      color: var(--success);
      display: grid;
      place-items: center;
      font-weight: 900;
    }

    .bullet strong {
      display: block;
      margin-bottom: 2px;
      color: #0d1c32;
    }

    .bullet span {
      color: var(--muted);
      font-size: 15px;
    }

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

    .faq-list {
      max-width: 860px;
      margin: 0 auto;
      display: grid;
      gap: 14px;
    }

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

    .faq-question {
      width: 100%;
      background: var(--white);
      border: 0;
      cursor: pointer;
      padding: 20px 22px;
      text-align: left;
      font-size: 17px;
      font-weight: 800;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
      color: #0d1c32;
    }

    .faq-question span {
      font-size: 24px;
      color: var(--primary);
    }

    .faq-answer {
      display: none;
      padding: 0 22px 20px;
      color: var(--muted);
      font-size: 15px;
    }

    .faq-item.active .faq-answer {
      display: block;
    }

    .cta-section {
      background:
        radial-gradient(circle at top left, rgba(245, 183, 50, 0.24), transparent 28%),
        linear-gradient(135deg, var(--primary-dark), var(--primary));
      color: var(--white);
      text-align: center;
    }

    .cta-section h2 {
      color: #fff;
      font-size: clamp(30px, 4vw, 46px);
      line-height: 1.12;
      margin: 0 0 14px;
    }

    .cta-section p {
      color: #fff;
      font-size: 18px;
      margin: 0 auto 26px;
      max-width: 720px;
    }

    footer {
      background: #071f3d;
      color: rgba(255,255,255,0.78);
      padding: 34px 0;
      font-size: 14px;
    }

    .footer-inner {
      display: flex;
      justify-content: space-between;
      gap: 20px;
      flex-wrap: wrap;
    }

    .floating-cta {
      position: fixed;
      right: 18px;
      bottom: 18px;
      z-index: 60;
      background: var(--accent);
      color: #172033;
      padding: 14px 18px;
      border-radius: 999px;
      font-weight: 900;
      box-shadow: 0 14px 30px rgba(0,0,0,0.18);
      display: none;
    }

    .floating-cta:hover {
      background: var(--accent-dark);
    }

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

      .cards {
        grid-template-columns: 1fr;
      }

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

      .trust-list {
        grid-template-columns: 1fr;
      }

      .nav-links {
        display: none;
      }

      .floating-cta {
        display: inline-flex;
      }
    }

    @media (max-width: 640px) {
      .container {
        width: min(100% - 28px, 1160px);
      }

      .hero {
        padding: 42px 0 48px;
      }

      section {
        padding: 54px 0;
      }

      .form-card {
        padding: 22px;
      }

      .steps {
        grid-template-columns: 1fr;
      }

      .hero-actions {
        flex-direction: column;
        align-items: stretch;
      }

      .btn {
        width: 100%;
      }

      .top-bar-inner {
        justify-content: center;
        text-align: center;
      }

      .highlight-box {
        padding: 28px;
      }
    }