:root {
  --color-bg: #F7F8FA;
  --color-surface: #FFFFFF;
  --color-border: #E1E5EB;
  --color-text: #26313F;
  --color-text-muted: #5B6B7C;
  --color-primary: #27374D;
  --color-primary-light: #324A68;
  --color-accent: #2F8F87;
  --color-accent-dark: #24726B;
  --color-mist: #EEF1F5;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(20, 30, 45, 0.08);
  --shadow-md: 0 8px 24px rgba(20, 30, 45, 0.08);
  --max-width: 1180px;
  --font-base: "Inter", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-base);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: var(--color-accent-dark);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

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

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.skip-link {
  position: absolute;
  top: -60px;
  left: 12px;
  background: var(--color-primary);
  color: #fff;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  z-index: 1000;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 12px;
}

.site-header {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 200;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}

.brand-logo {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  flex-shrink: 0;
}

.brand-name {
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--color-primary);
  letter-spacing: 0.01em;
}

.brand-tagline {
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.main-nav a {
  color: var(--color-text);
  font-weight: 500;
  font-size: 0.95rem;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
}

.main-nav a:hover,
.main-nav a[aria-current="page"] {
  background: var(--color-mist);
  color: var(--color-primary);
  text-decoration: none;
}

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 8px 10px;
  font-size: 1.4rem;
  color: var(--color-primary);
  cursor: pointer;
}

.hero {
  padding: 64px 0;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 48px;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-mist);
  color: var(--color-accent-dark);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.hero h1 {
  font-size: clamp(2rem, 4vw, 2.9rem);
  line-height: 1.15;
  color: var(--color-primary);
  margin: 0 0 18px;
}

.hero p.lead {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  margin-bottom: 28px;
  max-width: 46ch;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-media img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background: var(--color-primary);
  color: #fff;
}

.btn-primary:hover {
  background: var(--color-primary-light);
  text-decoration: none;
}

.btn-outline {
  background: transparent;
  border-color: var(--color-border);
  color: var(--color-primary);
}

.btn-outline:hover {
  border-color: var(--color-primary);
  text-decoration: none;
}

.btn-accent {
  background: var(--color-accent);
  color: #fff;
}

.btn-accent:hover {
  background: var(--color-accent-dark);
  text-decoration: none;
}

section {
  padding: 64px 0;
}

.section-heading {
  max-width: 640px;
  margin: 0 auto 40px;
  text-align: center;
}

.section-heading h2 {
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  color: var(--color-primary);
  margin: 0 0 12px;
}

.section-heading p {
  color: var(--color-text-muted);
  margin: 0;
}

.eyebrow {
  display: inline-block;
  color: var(--color-accent-dark);
  font-weight: 700;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 10px;
}

.alt-bg {
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.card .icon-badge {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--color-mist);
  color: var(--color-accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 16px;
}

.card h3 {
  margin: 0 0 10px;
  color: var(--color-primary);
  font-size: 1.1rem;
}

.card p {
  margin: 0;
  color: var(--color-text-muted);
  font-size: 0.95rem;
}

.expense-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
}

.expense-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.expense-card img {
  width: 100%;
  height: 160px;
  object-fit: cover;
}

.expense-card .expense-body {
  padding: 20px 22px 24px;
}

.expense-card h3 {
  margin: 0 0 8px;
  color: var(--color-primary);
  font-size: 1.05rem;
  display: flex;
  align-items: center;
  gap: 8px;
}

.expense-card p {
  margin: 0;
  color: var(--color-text-muted);
  font-size: 0.93rem;
}

.steps {
  counter-reset: step;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.step {
  position: relative;
  padding: 28px 24px 24px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
}

.step-number {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin-bottom: 14px;
}

.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 24px;
  text-align: center;
}

.stat h3 {
  font-size: 2.1rem;
  margin: 0;
  color: var(--color-primary);
}

.stat p {
  margin: 6px 0 0;
  color: var(--color-text-muted);
  font-size: 0.9rem;
}

.cta-banner {
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.cta-banner h2 {
  margin: 0 0 8px;
  font-size: 1.6rem;
}

.cta-banner p {
  margin: 0;
  color: #C7D1DE;
  max-width: 48ch;
}

.cta-banner .btn-accent {
  flex-shrink: 0;
}

.page-hero {
  padding: 52px 0 0;
}

.page-hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
  padding-bottom: 52px;
  border-bottom: 1px solid var(--color-border);
}

.page-hero h1 {
  font-size: clamp(1.8rem, 3.4vw, 2.4rem);
  color: var(--color-primary);
  margin: 0 0 14px;
}

.page-hero p {
  color: var(--color-text-muted);
  max-width: 52ch;
}

.page-hero img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.breadcrumbs {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 18px;
}

.breadcrumbs a {
  color: var(--color-text-muted);
}

.legal-content {
  max-width: 780px;
  margin: 0 auto;
}

.legal-content h2 {
  color: var(--color-primary);
  margin-top: 40px;
  font-size: 1.3rem;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p,
.legal-content li {
  color: var(--color-text-muted);
}

.legal-content ul {
  padding-left: 20px;
}

.legal-content .updated {
  display: inline-block;
  background: var(--color-mist);
  color: var(--color-accent-dark);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.contact-info-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}

.contact-info-card h3 {
  color: var(--color-primary);
  margin-top: 0;
}

.info-row {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 20px;
}

.info-row .icon-badge {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: var(--color-mist);
  color: var(--color-accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.info-row h4 {
  margin: 0 0 4px;
  font-size: 0.95rem;
  color: var(--color-primary);
}

.info-row p {
  margin: 0;
  color: var(--color-text-muted);
  font-size: 0.92rem;
}

.contact-form {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-primary);
  margin-bottom: 8px;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--color-bg);
  color: var(--color-text);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: 2px solid var(--color-accent);
  outline-offset: 1px;
}

.form-note {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-top: 10px;
}

.form-success {
  display: none;
  background: #EAF6F4;
  border: 1px solid #BFE3DE;
  color: var(--color-accent-dark);
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  font-size: 0.92rem;
}

.form-success.visible {
  display: block;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.checkbox-row input {
  width: auto;
  margin-top: 4px;
}

.checkbox-row label {
  font-weight: 400;
  color: var(--color-text-muted);
  font-size: 0.88rem;
}

.faq-item {
  border-bottom: 1px solid var(--color-border);
  padding: 20px 0;
}

.faq-item summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--color-primary);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary .ph {
  transition: transform 0.2s ease;
}

.faq-item[open] summary .ph {
  transform: rotate(180deg);
}

.faq-item p {
  margin: 12px 0 0;
  color: var(--color-text-muted);
}

.site-footer {
  background: var(--color-primary);
  color: #C7D1DE;
  padding: 56px 0 24px;
  margin-top: 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}

.footer-brand img {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
}

.footer-brand span {
  color: #fff;
  font-weight: 700;
  font-size: 1.05rem;
}

.footer-col h4 {
  color: #fff;
  font-size: 0.95rem;
  margin: 0 0 16px;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-col li {
  margin-bottom: 10px;
}

.footer-col a {
  color: #C7D1DE;
  font-size: 0.92rem;
}

.footer-col a:hover {
  color: #fff;
}

.footer-contact li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: #C7D1DE;
  font-size: 0.9rem;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  font-size: 0.82rem;
  color: #9AAAC0;
}

.footer-disclaimer {
  max-width: 780px;
  margin: 0 auto 24px;
  text-align: center;
  font-size: 0.8rem;
  color: #9AAAC0;
  padding: 0 24px 0;
}

.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -8px 24px rgba(20, 30, 45, 0.12);
  padding: 20px 24px;
  z-index: 500;
  transform: translateY(120%);
  transition: transform 0.35s ease;
}

.cookie-banner.visible {
  transform: translateY(0);
}

.cookie-banner-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.cookie-banner-text {
  flex: 1;
  min-width: 260px;
  font-size: 0.9rem;
  color: var(--color-text-muted);
  display: flex;
  gap: 12px;
  align-items: flex-start;
}

.cookie-banner-text .ph {
  color: var(--color-accent-dark);
  font-size: 1.4rem;
  flex-shrink: 0;
}

.cookie-banner-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

@media (max-width: 900px) {
  .hero-inner,
  .page-hero-inner,
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .hero-media,
  .page-hero-media {
    order: -1;
  }

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

@media (max-width: 720px) {
  .main-nav {
    position: fixed;
    top: 76px;
    left: 0;
    right: 0;
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-border);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 24px 20px;
    display: none;
    gap: 4px;
  }

  .main-nav.open {
    display: flex;
  }

  .main-nav a {
    padding: 12px 14px;
  }

  .nav-toggle {
    display: inline-flex;
  }

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

  .cta-banner {
    flex-direction: column;
    align-items: flex-start;
  }
}