:root {
    --navy: #063F75;
    --navy-deep: #042B52;
    --teal: #0A7F8C;
    --teal-light: #1BB3C4;
    --ink: #0E2A45;
    --muted: #4A6178;
    --line: #DCE6EE;
    --bg-soft: #F4F8FB;
    --white: #FFFFFF;
    --radius: 14px;
  }
  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    margin: 0;
    font-family: 'Inter', Arial, Helvetica, sans-serif;
    color: var(--ink);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
  }
  .wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
  a { color: var(--teal); }

  /* ---------- Nav ---------- */
  .nav {
    position: sticky; top: 0; z-index: 10;
    background: rgba(255,255,255,0.94);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--line);
  }
  .nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; }
  .brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
  .brand img { height: 42px; width: auto; display: block; }
  .brand-text { display: flex; flex-direction: column; line-height: 1; }
  .brand .b1 { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 20px; letter-spacing: 3px; color: var(--navy); }
  .brand .b2 { font-family: 'Montserrat', sans-serif; font-weight: 600; font-size: 9.5px; letter-spacing: 3.4px; color: var(--teal); margin-top: 4px; }
  .nav-links { display: flex; gap: 28px; align-items: center; }
  .nav-links a { color: var(--ink); text-decoration: none; font-size: 15px; font-weight: 500; }
  .nav-links a:hover { color: var(--teal); }
  .nav-links .nav-cta {
    background: var(--navy); color: var(--white); padding: 9px 18px; border-radius: 8px;
  }
  .nav-links .nav-cta:hover { background: var(--teal); color: var(--white); }

  /* ---------- Hero ---------- */
  .hero {
    background:
      radial-gradient(circle at 80% 30%, rgba(27,179,196,0.16), transparent 50%),
      linear-gradient(180deg, #EEF5FA 0%, #FFFFFF 100%);
    color: var(--ink);
    padding: 80px 0 72px;
    border-bottom: 1px solid var(--line);
  }
  .hero-grid { display: grid; grid-template-columns: 1.35fr 1fr; gap: 48px; align-items: center; }
  .hero-logo { display: flex; justify-content: center; }
  .hero-logo img { width: 100%; max-width: 380px; height: auto; display: block; }
  .eyebrow {
    display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase;
    color: var(--teal); background: rgba(10,127,140,0.08); border: 1px solid rgba(10,127,140,0.22);
    padding: 6px 14px; border-radius: 999px; margin-bottom: 22px;
  }
  .hero h1 {
    font-size: clamp(36px, 5.4vw, 58px); line-height: 1.08; letter-spacing: -1px;
    margin: 0 0 20px; font-weight: 700; color: var(--navy);
  }
  .hero p.lead { font-size: clamp(17px, 2.2vw, 20px); color: var(--muted); max-width: 560px; margin: 0 0 34px; }
  .btn-row { display: flex; gap: 14px; flex-wrap: wrap; }
  .btn {
    display: inline-block; text-decoration: none; font-weight: 600; font-size: 16px;
    padding: 14px 28px; border-radius: 10px; transition: transform .15s ease, background .2s ease;
    border: none; cursor: pointer; font-family: inherit;
  }
  .btn:hover { transform: translateY(-1px); }
  .btn-light { background: var(--navy); color: var(--white); }
  .btn-light:hover { background: var(--teal); }
  .btn-ghost { color: var(--navy); border: 1.5px solid #B9CCDC; background: var(--white); }
  .btn-ghost:hover { border-color: var(--teal); color: var(--teal); }

  /* ---------- Trust strip ---------- */
  .trust { background: var(--bg-soft); border-bottom: 1px solid var(--line); }
  .trust .wrap { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; padding-top: 22px; padding-bottom: 22px; }
  .trust-item { display: flex; align-items: center; gap: 12px; font-size: 15px; font-weight: 500; color: var(--ink); }
  .trust-item svg { flex-shrink: 0; }

  /* ---------- Sections ---------- */
  section { padding: 84px 0; }
  .section-head { max-width: 640px; margin-bottom: 44px; }
  .kicker { font-size: 13px; font-weight: 700; letter-spacing: 1.6px; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; }
  h2 { font-size: clamp(28px, 4vw, 38px); line-height: 1.15; letter-spacing: -0.5px; margin: 0 0 14px; color: var(--navy); }
  .section-head p { color: var(--muted); font-size: 17px; margin: 0; }

  /* Services */
  .grid-4 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .card {
    background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
    padding: 28px; transition: box-shadow .2s ease, border-color .2s ease;
  }
  .card:hover { box-shadow: 0 10px 30px rgba(6,63,117,0.08); border-color: #C5D8E6; }
  .icon {
    width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center;
    background: linear-gradient(135deg, #E3F4F6, #D6E6F3); margin-bottom: 18px;
  }
  .card h3 { font-size: 20px; margin: 0 0 8px; color: var(--navy); }
  .card p { margin: 0; color: var(--muted); font-size: 15.5px; }

  .biz-panel {
    margin-top: 20px; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius);
    background: var(--bg-soft); display: flex; align-items: center; justify-content: space-between;
    gap: 24px; flex-wrap: wrap;
  }
  .biz-text { flex: 1 1 420px; }
  .biz-text .kicker { margin-bottom: 6px; }
  .biz-panel h3 { font-size: 20px; margin: 0 0 8px; color: var(--navy); }
  .biz-panel p { margin: 0; color: var(--muted); font-size: 15.5px; max-width: 640px; }

  /* How it works */
  .how { background: var(--bg-soft); }
  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
  .step { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
  .step-num {
    width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--white);
    display: grid; place-items: center; font-weight: 700; font-size: 15px; margin-bottom: 16px;
  }
  .step h3 { font-size: 18px; margin: 0 0 6px; color: var(--navy); }
  .step p { margin: 0; color: var(--muted); font-size: 15px; }

  /* About */
  .about-grid { display: grid; grid-template-columns: 220px minmax(0, 720px); gap: 48px; align-items: center; }
  .about-grid p { color: var(--muted); font-size: 17px; }
  .about-photo {
    display: block; width: 220px; height: 220px; border-radius: 50%; object-fit: cover;
    border: 4px solid var(--white);
    box-shadow: 0 0 0 2px var(--teal), 0 12px 30px rgba(6, 63, 117, 0.18);
  }

  /* FAQ */
  .faq-list { display: flex; flex-direction: column; gap: 12px; max-width: 820px; }
  .faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
  .faq-item summary {
    cursor: pointer; list-style: none; padding: 18px 22px; display: flex; justify-content: space-between;
    align-items: center; gap: 16px; font-weight: 600; font-size: 17px; color: var(--navy);
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after { content: '+'; flex-shrink: 0; font-size: 24px; line-height: 1; color: var(--teal); }
  .faq-item[open] summary::after { content: '\2013'; }
  .faq-item summary:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; border-radius: var(--radius); }
  .faq-item p { margin: 0; padding: 0 22px 20px; color: var(--muted); font-size: 16px; }
  .faq-item a, .faq .section-head a { color: var(--navy); font-weight: 600; }

  /* Privacy policy */
  .legal { padding: 56px 0 72px; }
  .legal .wrap { max-width: 780px; }
  .legal h1 { font-family: 'Montserrat', sans-serif; font-size: clamp(30px, 4.5vw, 40px); color: var(--navy); margin: 0 0 6px; }
  .legal-date { color: var(--muted); margin: 0 0 24px; }
  .legal h2 { font-size: 22px; margin: 36px 0 10px; }
  .legal p, .legal li { font-size: 16.5px; color: var(--ink); }
  .legal ul { padding-left: 22px; display: flex; flex-direction: column; gap: 6px; }
  .legal a { color: var(--navy); font-weight: 600; }

  /* Contact form */
  .contact { background: var(--bg-soft); }
  .contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: start; }
  .contact-info p { color: var(--muted); font-size: 17px; }
  .contact-info .call-line { display: flex; gap: 10px; align-items: center; margin: 20px 0 0; font-size: 19px; font-weight: 600; color: var(--ink); }
  .call-line svg { flex-shrink: 0; }
  .call-line a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; white-space: nowrap; }
  .contact-info ul { list-style: none; padding: 0; margin: 24px 0 0; }
  .contact-info li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; font-size: 15.5px; color: var(--ink); }
  form {
    background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
    padding: 32px; box-shadow: 0 10px 30px rgba(6,63,117,0.06);
  }
  .row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .field { margin-bottom: 18px; }
  label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
  label .opt { font-weight: 400; color: var(--muted); }
  input, select, textarea {
    width: 100%; font-family: inherit; font-size: 15.5px; color: var(--ink);
    padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; background: var(--white);
    transition: border-color .15s ease, box-shadow .15s ease;
  }
  input:focus, select:focus, textarea:focus {
    outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(10,127,140,0.15);
  }
  textarea { min-height: 120px; resize: vertical; }
  .hp { position: absolute; left: -9999px; }
  .btn-submit { width: 100%; background: var(--navy); color: var(--white); font-size: 16.5px; padding: 15px; }
  .btn-submit:hover { background: var(--teal); }
  .btn-submit:disabled { opacity: 0.6; cursor: wait; transform: none; }
  .form-note { font-size: 13px; color: var(--muted); margin: 14px 0 0; text-align: center; }
  .status { display: none; border-radius: 10px; padding: 16px 18px; margin-top: 16px; font-size: 15px; }
  .status.ok { display: block; background: #E3F4F6; color: #05545C; border: 1px solid #B6E0E5; }
  .status.err { display: block; background: #FDECEC; color: #8A1F1F; border: 1px solid #F3C2C2; }

  /* Footer */
  footer { background: var(--navy-deep); color: rgba(255,255,255,0.75); padding: 32px 0; font-size: 14px; }
  footer .wrap { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
  footer a { color: rgba(255,255,255,0.9); text-decoration: none; }

  /* ---------- Responsive ---------- */
  @media (max-width: 820px) {
    .nav-links a:not(.nav-cta) { display: none; }
    .trust .wrap { grid-template-columns: 1fr; }
    .grid-4, .steps, .about-grid, .contact-grid, .row { grid-template-columns: 1fr; }
    .about-grid { gap: 24px; }
    .about-photo { width: 160px; height: 160px; margin: 0 auto; }
    section { padding: 64px 0; }
    .hero { padding: 48px 0 56px; }
    .hero-grid { grid-template-columns: 1fr; gap: 28px; }
    .hero-logo { order: -1; }
    .hero-logo img { max-width: 220px; }
    form { padding: 24px; }
  }