:root {
  --ink: #101820;
  --muted: #5a6570;
  --line: #dfe5ea;
  --soft: #f4f7fa;
  --white: #ffffff;
  --brand: #173a5e;
  --brand-strong: #0e253d;
  --accent: #b7782c;
  --accent-strong: #8e5a1c;
  --aqua: #2b7a78;
  --shadow: 0 16px 38px rgba(16, 24, 32, 0.12);
  --radius: 8px;
  --max: 1160px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.55; background: var(--white); }
a { color: inherit; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.nav { max-width: var(--max); margin: 0 auto; padding: 12px 20px; display: flex; justify-content: space-between; align-items: center; gap: 24px; }
.brand { display: grid; text-decoration: none; }
.brand strong { font-size: 20px; letter-spacing: 0; }
.brand span { color: var(--muted); font-size: 13px; }
.nav-links { display: flex; align-items: center; gap: 18px; font-size: 14px; }
.nav-links a { color: var(--muted); text-decoration: none; }
.nav-links a:hover { color: var(--ink); }
.button, button { min-height: 44px; border: 0; border-radius: var(--radius); padding: 12px 18px; display: inline-flex; justify-content: center; align-items: center; color: var(--white); background: var(--accent); font-weight: 800; text-decoration: none; cursor: pointer; box-shadow: 0 8px 18px rgba(183,120,44,.2); }
.button:hover, button:hover { background: var(--accent-strong); }
.button.secondary { background: var(--brand); box-shadow: 0 8px 18px rgba(23,58,94,.2); }
.button.secondary:hover { background: var(--brand-strong); }
.button.ghost { color: var(--brand-strong); background: var(--white); border: 1px solid var(--line); box-shadow: none; }
.hero { min-height: 660px; display: grid; align-items: end; color: var(--white); background: linear-gradient(90deg, rgba(8,23,38,.92), rgba(8,23,38,.68), rgba(8,23,38,.22)), url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1800&q=80") center / cover; }
.hero-inner { max-width: var(--max); width: 100%; margin: 0 auto; padding: 84px 20px 68px; }
.eyebrow { margin: 0 0 14px; color: #dbeaf7; font-size: 14px; font-weight: 900; text-transform: uppercase; letter-spacing: .08em; }
.hero h1 { max-width: 880px; margin: 0; font-size: clamp(40px, 6vw, 74px); line-height: .98; letter-spacing: 0; }
.hero p { max-width: 740px; margin: 22px 0 0; color: #edf5fb; font-size: 19px; }
.hero-actions, .section-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-note { margin-top: 14px; color: #dce8f1; font-size: 13px; }
.section { padding: 76px 20px; }
.section.soft { background: var(--soft); }
.wrap { max-width: var(--max); margin: 0 auto; }
.split { display: grid; grid-template-columns: minmax(0,1fr) 400px; gap: 44px; align-items: start; }
h1, h2, h3 { letter-spacing: 0; }
.section h2 { margin: 0 0 18px; font-size: clamp(28px,4vw,42px); line-height: 1.08; }
.section h3 { margin: 0 0 10px; font-size: 21px; line-height: 1.18; }
.lead { max-width: 820px; color: var(--muted); font-size: 18px; }
.grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; margin-top: 30px; }
.grid.two { grid-template-columns: repeat(2,minmax(0,1fr)); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: 0 1px 0 rgba(16,24,32,.04); text-decoration: none; }
.card p { margin: 0; color: var(--muted); }
.agent { border-top: 4px solid var(--aqua); }
.list { display: grid; gap: 12px; padding: 0; margin: 22px 0 0; list-style: none; }
.list li { position: relative; padding-left: 28px; color: var(--muted); }
.list li::before { content: ""; position: absolute; left: 0; top: 9px; width: 10px; height: 10px; border-radius: 50%; background: var(--aqua); }
.form-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.form-panel h2 { margin-top: 0; font-size: 24px; }
form { display: grid; gap: 12px; }
label { display: grid; gap: 6px; font-weight: 800; font-size: 14px; }
input, select, textarea { width: 100%; min-height: 44px; border: 1px solid var(--line); border-radius: 6px; padding: 11px 12px; color: var(--ink); background: var(--white); font: inherit; }
textarea { min-height: 108px; resize: vertical; }
.check { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-weight: 500; }
.check input { width: 18px; min-height: 18px; margin-top: 3px; }
.notice { margin-top: 12px; color: var(--muted); font-size: 13px; }
.steps { counter-reset: step; display: grid; gap: 14px; margin-top: 24px; }
.step { counter-increment: step; display: grid; grid-template-columns: 42px 1fr; gap: 14px; align-items: start; }
.step::before { content: counter(step); width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; color: var(--white); background: var(--brand); font-weight: 900; }
.mini-hero { background: var(--brand-strong); color: var(--white); padding: 72px 20px; }
.mini-hero h1 { max-width: 900px; margin: 0; font-size: clamp(34px,5vw,58px); line-height: 1; }
.mini-hero p { max-width: 780px; margin: 12px 0 0; color: #e4eef7; font-size: 18px; }
.site-footer { padding: 42px 20px 92px; color: #dce8f1; background: #0e253d; }
.footer-inner { max-width: var(--max); margin: 0 auto; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer-inner a { color: #dce8f1; }
.footer-links { display: flex; flex-wrap: wrap; gap: 14px; }
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 25; display: none; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line); }
.sticky-cta a { min-height: 58px; display: grid; place-items: center; color: var(--white); background: var(--brand); text-decoration: none; font-weight: 900; }
.sticky-cta a:last-child { background: var(--accent); }
@media (max-width: 860px) { .nav-links { display: none; } .hero { min-height: 620px; } .split, .grid, .grid.two { grid-template-columns: 1fr; } .section { padding: 58px 18px; } .sticky-cta { display: grid; } }