:root{
  --ink: #042230;
  --accent: #f9b800;
  --paper: #ffffff;

  --muted: rgba(4,34,48,.72);
  --line: rgba(4,34,48,.12);

  --radius: 18px;
  --radius-sm: 12px;
  --shadow: 0 12px 40px rgba(4,34,48,.12);

  --container: 1120px;

  --h1: clamp(34px, 4vw, 54px);
  --h2: clamp(26px, 3vw, 38px);
  --h3: 20px;
  --h4: 16px;
}

*{ box-sizing: border-box; }
html,body{ height: 100%; }
body{
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.35;
}

a{ color: inherit; text-decoration: none; }
img{ max-width: 100%; height: auto; }

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

.skip-link{
  position: absolute;
  left: -9999px;
  top: auto;
  width: 1px; height: 1px;
  overflow: hidden;
}
.skip-link:focus{
  left: 16px;
  top: 16px;
  width: auto; height: auto;
  padding: 10px 12px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  z-index: 9999;
}

/* Header */
.header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header.is-elevated{
  box-shadow: 0 8px 30px rgba(4,34,48,.12);
}
.header__inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 12px 0;
}

.brand{
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand__mark{
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
}
.brand__text{
  display: grid;
  line-height: 1.05;
}
.brand__title{
  font-weight: 800;
  letter-spacing: 0.6px;
  font-size: 16px;
}

/* Nav */
.nav{
  display: flex;
  align-items: center;
  gap: 14px;
}
.nav__link{
  padding: 10px 10px;
  border-radius: 12px;
  color: rgba(4,34,48,.88);
}
.nav__link:hover{
  background: rgba(4,34,48,.06);
}
.nav__cta{
  padding: 10px 14px;
  border-radius: 14px;
  background: var(--ink);
  color: #fff;
  font-weight: 700;
}

.nav__toggle{
  display: none;
  width: 44px;
  height: 44px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
}
.nav__toggle-lines{
  position: relative;
  display: block;
  width: 18px;
  height: 2px;
  background: var(--ink);
  margin: 0 auto;
}
.nav__toggle-lines::before,
.nav__toggle-lines::after{
  content: "";
  position: absolute;
  left: 0;
  width: 18px;
  height: 2px;
  background: var(--ink);
}
.nav__toggle-lines::before{ top: -6px; }
.nav__toggle-lines::after{ top: 6px; }

/* Typography */
.kicker{
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(249,184,0,.14);
  border: 1px solid rgba(249,184,0,.32);
  color: rgba(4,34,48,.92);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .35px;
}
.h1{ font-size: var(--h1); margin: 12px 0 10px; line-height: 1.08; }
.h2{ font-size: var(--h2); margin: 0 0 10px; line-height: 1.12; }
.h3{ font-size: var(--h3); margin: 0 0 8px; }
.h4{ font-size: var(--h4); margin: 0 0 6px; font-weight: 800; }

.lead{
  font-size: 18px;
  color: rgba(4,34,48,.84);
  margin: 0 0 18px;
  max-width: 60ch;
}
.muted{ color: var(--muted); }
.u-accent{
  color: var(--ink);
  background: linear-gradient(0deg, rgba(249,184,0,.35), rgba(249,184,0,.35));
  padding: 0 .2em;
  border-radius: 8px;
}

/* Buttons */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 16px;
  border: 1px solid var(--line);
  background: #fff;
  font-weight: 800;
  cursor: pointer;
  transition: transform .06s ease, background .2s ease, border-color .2s ease;
}
.btn:active{ transform: translateY(1px); }
.btn--primary{
  background: var(--ink);
  color: #fff;
  border-color: rgba(4,34,48,.35);
}
.btn--secondary{
  background: var(--accent);
  border-color: rgba(249,184,0,.6);
  color: var(--ink);
}
.btn--ghost{
  background: transparent;
}

/* Hero */
.hero{
  position: relative;
  padding: 44px 0 34px;
  overflow: hidden;
}
.hero__grid{
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 22px;
  align-items: start;
}
.hero__content{ padding-top: 6px; }
.hero__actions{ display: flex; gap: 12px; flex-wrap: wrap; margin: 18px 0 18px; }

.hero__facts{
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
  margin-top: 14px;
}
.fact{
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 10px;
  align-items: center;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
}
.fact__num{
  width: 28px; height: 28px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-weight: 900;
  background: rgba(249,184,0,.25);
  border: 1px solid rgba(249,184,0,.35);
}

.hero__card{
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
  padding: 18px 18px;
  position: relative;
}
.note{
  margin-top: 12px;
  padding: 12px 14px;
  border-radius: 14px;
  border: 1px solid rgba(4,34,48,.12);
  background: rgba(4,34,48,.04);
  color: rgba(4,34,48,.86);
}

.mini-cta{ margin-top: 14px; display: grid; gap: 10px; }
.mini-cta__hint{ margin: 0; font-size: 12px; color: var(--muted); }

.hero__bg{
  position: absolute;
  inset: -60px -60px auto -60px;
  height: 420px;
  background:
    radial-gradient(700px 260px at 15% 20%, rgba(249,184,0,.28), transparent 60%),
    radial-gradient(700px 260px at 85% 15%, rgba(4,34,48,.16), transparent 60%);
  z-index: -1;
}

/* Sections */
.section{ padding: 56px 0; }
.section--alt{
  background: rgba(4,34,48,.03);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.section__head{ margin-bottom: 18px; max-width: 76ch; }

.cards{
  display: grid;
  gap: 14px;
}
.cards--2{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
.cards--3{ grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards--4{ grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card{
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  padding: 16px 16px;
}
.card--highlight{
  border-color: rgba(249,184,0,.6);
  box-shadow: 0 14px 46px rgba(4,34,48,.14);
  position: relative;
}
.badge{
  display: inline-flex;
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 900;
  background: rgba(249,184,0,.18);
  border: 1px solid rgba(249,184,0,.45);
  margin-bottom: 10px;
}
.card--mini{ border-radius: var(--radius-sm); padding: 14px 14px; }

.link{
  display: inline-flex;
  margin-top: 8px;
  font-weight: 800;
  color: rgba(4,34,48,.92);
}
.link:hover{ text-decoration: underline; }

.bullets{ margin: 10px 0 0; padding-left: 18px; color: rgba(4,34,48,.86); }
.bullets li{ margin: 6px 0; }

.checklist{
  margin: 12px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.checklist li{
  padding-left: 28px;
  position: relative;
  color: rgba(4,34,48,.88);
}
.checklist li::before{
  content: "";
  position: absolute;
  left: 0; top: 6px;
  width: 16px; height: 16px;
  border-radius: 6px;
  background: rgba(249,184,0,.28);
  border: 1px solid rgba(249,184,0,.5);
}

/* Steps */
.steps{
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
}
.step{
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 12px;
  padding: 16px 16px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  background: #fff;
}
.step__num{
  width: 44px; height: 44px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  font-weight: 900;
  background: rgba(4,34,48,.06);
  border: 1px solid rgba(4,34,48,.10);
}

/* Branches */
.branches{ margin-top: 22px; }
.meta{ display: flex; gap: 8px; flex-wrap: wrap; margin-top: 12px; }
.pill{
  font-size: 12px;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: rgba(4,34,48,.03);
}

/* About */
.about{
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 16px;
  align-items: start;
}
.about__card{
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  padding: 16px 16px;
  box-shadow: var(--shadow);
}
.about__cta{ display: flex; gap: 10px; flex-wrap: wrap; margin-top: 14px; }

/* CTA */
.cta{
  padding: 56px 0;
  background: linear-gradient(180deg, rgba(4,34,48,.06), rgba(249,184,0,.10));
  border-top: 1px solid var(--line);
}
.cta__grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-items: start;
}
.contact-points{
  margin-top: 14px;
  display: grid;
  gap: 10px;
  color: rgba(4,34,48,.86);
}
.contact-point{ display: flex; align-items: center; gap: 10px; }
.dot{
  width: 10px; height: 10px;
  border-radius: 999px;
  background: var(--accent);
  border: 1px solid rgba(249,184,0,.65);
}

/* Form */
.form{
  border: 1px solid rgba(4,34,48,.12);
  background: #fff;
  border-radius: var(--radius);
  padding: 16px 16px;
  box-shadow: var(--shadow);
}
.form__row{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.field{ display: grid; gap: 6px; margin-bottom: 10px; }
.field__label{ font-weight: 800; font-size: 12px; color: rgba(4,34,48,.86); }
.field__input{
  width: 100%;
  padding: 12px 12px;
  border-radius: 14px;
  border: 1px solid rgba(4,34,48,.18);
  background: #fff;
  outline: none;
  font-family: inherit;
  font-size: 14px;
}
.field__input:focus{
  border-color: rgba(249,184,0,.85);
  box-shadow: 0 0 0 4px rgba(249,184,0,.18);
}
.field__input--area{ resize: vertical; min-height: 120px; }

.form__actions{
  display: grid;
  gap: 10px;
  margin-top: 10px;
}
.form__hint{ margin: 0; font-size: 12px; color: var(--muted); }
.form__status{
  margin-top: 10px;
  font-size: 13px;
  color: rgba(4,34,48,.88);
}

/* Footer */
.footer{
  border-top: 1px solid var(--line);
  padding: 18px 0;
  background: #fff;
}
.footer__inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.footer__muted{ color: var(--muted); font-size: 12px; margin-top: 6px; }
.footer__right{ display: flex; gap: 14px; flex-wrap: wrap; }

/* Responsive */
@media (max-width: 980px){
  .hero__grid{ grid-template-columns: 1fr; }
  .cards--3{ grid-template-columns: 1fr; }
  .cards--4{ grid-template-columns: 1fr 1fr; }
  .cards--2{ grid-template-columns: 1fr; }
  .about{ grid-template-columns: 1fr; }
  .cta__grid{ grid-template-columns: 1fr; }
}
@media (max-width: 760px){
  .nav__toggle{
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }
  .nav{
    position: fixed;
    inset: 72px 16px auto 16px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    box-shadow: var(--shadow);
    padding: 12px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
  }
  .nav.is-open{ display: flex; }
  .nav__link, .nav__cta{ text-align: left; }
  .form__row{ grid-template-columns: 1fr; }
  .cards--4{ grid-template-columns: 1fr; }
}