:root {
  --bg: #f4f8fb;
  --text: #142132;
  --muted: #4f6277;
  --brand: #0b5cab;
  --brand-2: #0a3f7a;
  --accent: #1e9e6f;
  --card: #ffffff;
  --line: #d8e3ee;
}

* {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
}

body {
  font-family: "Source Sans 3", "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

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

a:hover {
  text-decoration: underline;
}

.container {
  width: min(1100px, 92%);
  margin: 0 auto;
}

.topbar {
  background: linear-gradient(120deg, #0a3f7a 0%, #0b5cab 45%, #2b7fbe 100%);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 72px;
}

.brand {
  color: #fff;
  font-family: "Montserrat", "Segoe UI", sans-serif;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.desktop-nav a {
  color: #e6f4ff;
  font-weight: 600;
}

.cta-btn {
  display: inline-block;
  border: 0;
  border-radius: 10px;
  background: var(--accent);
  color: #fff;
  font-weight: 700;
  padding: 0.72rem 1rem;
  text-decoration: none;
}

.cta-btn:hover {
  background: #17835d;
  text-decoration: none;
}

.ghost-btn {
  display: inline-block;
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, 0.6);
  color: #fff;
  font-weight: 700;
  padding: 0.72rem 1rem;
  text-decoration: none;
}

.ghost-btn:hover {
  background: rgba(255, 255, 255, 0.12);
  text-decoration: none;
}

.hero {
  color: #fff;
  background:
    radial-gradient(900px 280px at 5% 0%, rgba(120, 198, 255, 0.25), transparent 60%),
    radial-gradient(700px 250px at 95% 0%, rgba(30, 158, 111, 0.22), transparent 60%),
    linear-gradient(140deg, #082a51 0%, #0a3f7a 50%, #0d5898 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.5rem;
  padding: 4.4rem 0 3.6rem;
}

.hero h1 {
  margin: 0;
  font-family: "Montserrat", "Segoe UI", sans-serif;
  font-size: clamp(2rem, 4.6vw, 3.2rem);
  line-height: 1.15;
}

.hero p {
  color: #e0eeff;
  max-width: 62ch;
}

.badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  padding: 0.36rem 0.8rem;
  font-size: 0.86rem;
  font-weight: 700;
}

.panel {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 14px;
  padding: 1rem;
}

.section {
  padding: 3rem 0;
}

.section h2 {
  font-family: "Montserrat", "Segoe UI", sans-serif;
  margin-top: 0;
  font-size: clamp(1.5rem, 3.2vw, 2.1rem);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.1rem;
  box-shadow: 0 8px 24px rgba(13, 48, 84, 0.06);
}

.card h3 {
  margin-top: 0;
  margin-bottom: 0.35rem;
  font-size: 1.18rem;
}

.list-check {
  list-style: none;
  padding: 0;
  margin: 0;
}

.list-check li {
  margin-bottom: 0.6rem;
  padding-left: 1.4rem;
  position: relative;
}

.list-check li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.55rem;
  height: 0.55rem;
  background: var(--accent);
  border-radius: 50%;
}

.cta-band {
  background: linear-gradient(120deg, #0a3f7a, #0e5ea5);
  color: #fff;
  border-radius: 16px;
  padding: 1.3rem;
}

.form {
  display: grid;
  gap: 0.75rem;
}

.form input,
.form select,
.form textarea {
  width: 100%;
  border: 1px solid #bfd0df;
  border-radius: 10px;
  padding: 0.68rem 0.72rem;
  font: inherit;
  color: var(--text);
}

.form button {
  cursor: pointer;
}

.small {
  font-size: 0.9rem;
  color: var(--muted);
}

footer {
  background: #0f2438;
  color: #d4deea;
  padding: 2rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 1.5rem 1rem;
  padding-bottom: 2rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1rem 0 5.4rem;
  font-size: 0.82rem;
  color: #7a9bbf;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.footer-bottom a {
  color: #7a9bbf;
}

footer a {
  color: #c7def6;
}

.mobile-menu-btn {
  display: none;
  border: 1px solid rgba(255, 255, 255, 0.45);
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  padding: 0.5rem 0.7rem;
  border-radius: 8px;
}

.mobile-menu {
  display: none;
  flex-direction: column;
  gap: 0.5rem;
  padding-bottom: 0.9rem;
}

.mobile-menu a {
  color: #fff;
  padding: 0.35rem 0;
}

.sticky-mobile-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  display: none;
  background: #0b5cab;
  color: #fff;
  text-align: center;
  font-weight: 800;
  padding: 0.85rem;
  border-top: 1px solid rgba(255, 255, 255, 0.25);
}

.faq-item {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  margin-bottom: 0.65rem;
  overflow: hidden;
}

.faq-btn {
  width: 100%;
  text-align: left;
  background: none;
  border: 0;
  font: inherit;
  font-weight: 700;
  padding: 0.9rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.faq-btn::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--brand);
}

.faq-item.open .faq-btn::after {
  transform: rotate(45deg);
}

.faq-content {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.3s ease, padding 0.3s ease;
  padding: 0 0.9rem;
  color: var(--muted);
}

.faq-content > * {
  overflow: hidden;
}

.faq-item.open .faq-content {
  grid-template-rows: 1fr;
  padding-bottom: 0.9rem;
}

@media (max-width: 900px) {
  .hero-grid,
  .grid-3,
  .grid-2,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .desktop-nav,
  .desktop-quote {
    display: none;
  }

  .mobile-menu-btn {
    display: inline-block;
  }

  .mobile-menu.active {
    display: flex;
  }

  .sticky-mobile-cta {
    display: block;
  }
}