:root {
  --primary: #1a2a6c;
  --primary-light: #2d4a9e;
  --accent: #f9a826;
  --dark: #0e1628;
  --gray: #f4f6fb;
  --text: #1f2937;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 8px 30px rgba(0,0,0,.08);
}

* { margin:0; padding:0; box-sizing:border-box; }

html { scroll-behavior:smooth; }

body {
  font-family:'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  color:var(--text);
  line-height:1.7;
  background:var(--white);
  overflow-x:hidden;
}

.container {
  width:100%;
  max-width:1180px;
  margin:0 auto;
  padding:0 24px;
}

/* HEADER */
.site-header {
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);
  border-bottom:1px solid #e5e7eb;
}
.header-inner {
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:16px 0;
}
.logo {
  font-size:1.35rem;
  font-weight:800;
  color:var(--primary);
  text-decoration:none;
  letter-spacing:-.5px;
}
.logo span { color:var(--accent); }
.nav-links { display:flex; gap:28px; }
.nav-links a {
  text-decoration:none;
  color:var(--text);
  font-weight:500;
  font-size:.95rem;
  transition:color .25s;
}
.nav-links a:hover { color:var(--primary); }

/* BUTTONS */
.btn {
  display:inline-block;
  padding:13px 28px;
  border-radius:50px;
  font-weight:600;
  text-decoration:none;
  transition:transform .25s, box-shadow .25s, background .25s;
  border:none;
  cursor:pointer;
  font-size:.95rem;
}
.btn-primary {
  background:var(--primary);
  color:var(--white);
}
.btn-primary:hover {
  background:var(--primary-light);
  transform:translateY(-2px);
  box-shadow:0 10px 24px rgba(26,42,108,.25);
}
.btn-accent {
  background:var(--accent);
  color:var(--dark);
}
.btn-accent:hover {
  transform:translateY(-2px);
  box-shadow:0 10px 24px rgba(249,168,38,.35);
}

/* HERO */
.hero {
  background:linear-gradient(135deg, var(--dark) 0%, var(--primary) 100%);
  color:var(--white);
  padding:90px 0 100px;
  position:relative;
  overflow:hidden;
}
.hero::before {
  content:'';
  position:absolute;
  width:600px;
  height:600px;
  background:radial-gradient(circle, rgba(249,168,38,.15) 0%, transparent 70%);
  top:-200px;
  right:-150px;
  border-radius:50%;
}
.hero-inner {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:60px;
  align-items:center;
  position:relative;
  z-index:2;
}
.hero h1 {
  font-size:2.6rem;
  line-height:1.2;
  margin-bottom:20px;
  font-weight:800;
}
.hero h1 span { color:var(--accent); }
.hero p {
  font-size:1.1rem;
  opacity:.9;
  margin-bottom:30px;
  max-width:540px;
}
.hero-visual {
  position:relative;
  display:flex;
  justify-content:center;
  align-items:center;
}
.hero-graphic {
  width:100%;
  max-width:440px;
  aspect-ratio:1/1;
  border-radius:24px;
  background:
    linear-gradient(135deg, rgba(249,168,38,.25), transparent 60%),
    url('https://images.unsplash.com/photo-1541888946425-d81bb19240f5?auto=format&fit=crop&w=800&q=80') center/cover no-repeat;
  box-shadow:0 30px 60px rgba(0,0,0,.3);
  animation:float 6s ease-in-out infinite;
}
@keyframes float {
  0%,100% { transform:translateY(0); }
  50% { transform:translateY(-16px); }
}

/* SECTIONS */
.section { padding:80px 0; }
.section-gray { background:var(--gray); }
.section-title {
  font-size:2rem;
  font-weight:800;
  color:var(--dark);
  margin-bottom:14px;
  text-align:center;
}
.section-subtitle {
  text-align:center;
  color:#4b5563;
  max-width:680px;
  margin:0 auto 50px;
  font-size:1.05rem;
}

/* FEATURE GRID */
.feature-grid {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}
.feature-card {
  background:var(--white);
  border-radius:var(--radius);
  padding:34px 28px;
  box-shadow:var(--shadow);
  transition:transform .3s, box-shadow .3s;
  opacity:0;
  transform:translateY(24px);
}
.feature-card.visible {
  opacity:1;
  transform:translateY(0);
}
.feature-card:hover {
  transform:translateY(-6px);
  box-shadow:0 16px 40px rgba(0,0,0,.12);
}
.feature-icon {
  width:52px;
  height:52px;
  border-radius:14px;
  background:rgba(26,42,108,.08);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:1.5rem;
  margin-bottom:18px;
  color:var(--primary);
}
.feature-card h3 {
  font-size:1.15rem;
  margin-bottom:10px;
  color:var(--dark);
}
.feature-card p {
  font-size:.95rem;
  color:#4b5563;
}

/* CONTENT BLOCK */
.content-block {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:50px;
  align-items:center;
}
.content-block.reverse .content-text { order:2; }
.content-block.reverse .content-visual { order:1; }
.content-text h2 {
  font-size:1.8rem;
  font-weight:800;
  color:var(--dark);
  margin-bottom:18px;
}
.content-text p {
  margin-bottom:16px;
  color:#374151;
}
.content-visual img {
  width:100%;
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

/* STEPS */
.steps {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
  counter-reset:step;
}
.step-card {
  background:var(--white);
  border-radius:var(--radius);
  padding:32px 24px;
  position:relative;
  box-shadow:var(--shadow);
  opacity:0;
  transform:translateY(24px);
  transition:opacity .6s, transform .6s;
}
.step-card.visible {
  opacity:1;
  transform:translateY(0);
}
.step-card::before {
  counter-increment:step;
  content:counter(step);
  position:absolute;
  top:-16px;
  left:24px;
  width:36px;
  height:36px;
  background:var(--accent);
  color:var(--dark);
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:800;
  font-size:.95rem;
}
.step-card h3 {
  margin-top:12px;
  margin-bottom:8px;
  font-size:1.1rem;
  color:var(--dark);
}
.step-card p { font-size:.95rem; color:#4b5563; }

/* FAQ */
.faq-list { max-width:820px; margin:0 auto; }
.faq-item {
  border-bottom:1px solid #e5e7eb;
  padding:20px 0;
}
.faq-question {
  width:100%;
  background:none;
  border:none;
  text-align:left;
  font-size:1.05rem;
  font-weight:600;
  color:var(--dark);
  cursor:pointer;
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:0;
}
.faq-question::after {
  content:'+';
  font-size:1.4rem;
  color:var(--primary);
  transition:transform .3s;
}
.faq-item.open .faq-question::after {
  transform:rotate(45deg);
}
.faq-answer {
  max-height:0;
  overflow:hidden;
  transition:max-height .35s ease, padding .35s ease;
  color:#4b5563;
  font-size:.95rem;
}
.faq-item.open .faq-answer {
  max-height:200px;
  padding-top:12px;
}

/* CTA BANNER */
.cta-banner {
  background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius:var(--radius);
  padding:56px 40px;
  text-align:center;
  color:var(--white);
}
.cta-banner h2 {
  font-size:1.8rem;
  margin-bottom:12px;
}
.cta-banner p {
  opacity:.9;
  margin-bottom:26px;
  max-width:600px;
  margin-left:auto;
  margin-right:auto;
}

/* FOOTER */
.site-footer {
  background:var(--dark);
  color:#cbd5e1;
  padding:50px 0 30px;
  font-size:.9rem;
}
.footer-grid {
  display:grid;
  grid-template-columns:2fr 1fr 1fr;
  gap:40px;
  margin-bottom:34px;
}
.footer-grid h4 {
  color:var(--white);
  margin-bottom:14px;
  font-size:1rem;
}
.footer-grid a {
  color:#cbd5e1;
  text-decoration:none;
  display:block;
  margin-bottom:8px;
  transition:color .2s;
}
.footer-grid a:hover { color:var(--accent); }
.footer-disclaimer {
  border-top:1px solid rgba(255,255,255,.1);
  padding-top:24px;
  font-size:.82rem;
  line-height:1.6;
  color:#94a3b8;
  text-align:center;
}

/* LEGAL PAGES */
.legal-page {
  padding:70px 0;
  max-width:860px;
  margin:0 auto;
}
.legal-page h1 {
  font-size:2rem;
  margin-bottom:10px;
  color:var(--dark);
}
.legal-page .updated {
  color:#6b7280;
  font-size:.9rem;
  margin-bottom:32px;
}
.legal-page h2 {
  font-size:1.25rem;
  margin:28px 0 10px;
  color:var(--dark);
}
.legal-page p, .legal-page li {
  margin-bottom:12px;
  color:#374151;
}
.legal-page ul { padding-left:22px; }

/* UTILITIES */
.text-center { text-align:center; }
.mt-2 { margin-top:16px; }
.mt-3 { margin-top:24px; }

/* RESPONSIVE */
@media (max-width:900px) {
  .hero-inner, .content-block, .feature-grid, .steps, .footer-grid {
    grid-template-columns:1fr;
  }
  .hero h1 { font-size:2rem; }
  .content-block.reverse .content-text,
  .content-block.reverse .content-visual { order:unset; }
  .nav-links { display:none; }
  .hero-visual { margin-top:30px; }
}
@media (max-width:600px) {
  .section { padding:56px 0; }
  .section-title { font-size:1.6rem; }
  .cta-banner { padding:40px 22px; }
  .cta-banner h2 { font-size:1.4rem; }
}