:root{
  --blue-950:#172554;
  --blue-900:#1e3a8a;
  --blue-700:#1d4ed8;
  --blue-100:#dbeafe;
  --slate-950:#020617;
  --slate-900:#0f172a;
  --slate-800:#1e293b;
  --slate-700:#334155;
  --slate-600:#475569;
  --slate-500:#64748b;
  --slate-400:#94a3b8;
  --slate-300:#cbd5e1;
  --slate-200:#e2e8f0;
  --slate-100:#f1f5f9;
  --white:#fff;
  --emerald-50:#ecfdf5;
  --emerald-200:#a7f3d0;
  --emerald-900:#065f46;
  --shadow-sm:0 1px 2px rgba(15,23,42,.06),0 1px 1px rgba(15,23,42,.04);
  --shadow-md:0 10px 25px rgba(15,23,42,.08),0 4px 8px rgba(15,23,42,.05);
  --shadow-lg:0 20px 40px rgba(15,23,42,.12);
  --radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--slate-900);background:#fff;line-height:1.5
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.topbar{border-bottom:1px solid var(--slate-200);background:var(--slate-100);font-size:14px;color:var(--slate-600)}
.topbar .inner,.header .inner,.footer .inner{display:flex;gap:16px;align-items:center;justify-content:space-between}
.topbar .inner{padding:12px 24px;max-width:1200px;margin:0 auto;flex-wrap:wrap}
.topbar-links,.nav,.hero-actions,.cta-actions,.footer-grid{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.link-blue{color:var(--blue-700);font-weight:600}
.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--slate-200)}
.header .inner{padding:20px 24px;max-width:1200px;margin:0 auto}
.brand{display:flex;align-items:center;gap:16px}
.brand-mark{
  width:48px;height:48px;border-radius:18px;background:var(--blue-950);color:#fff;
  display:grid;place-items:center;font-weight:800;letter-spacing:.14em;box-shadow:var(--shadow-sm)
}
.brand-title{font-size:30px;font-weight:800;color:var(--blue-950);line-height:1.1}
.brand-sub{font-size:14px;color:var(--slate-500)}
.nav a{font-size:15px;color:var(--slate-700)}
.nav a:hover{color:var(--blue-700)}
.hero{position:relative;overflow:hidden}
.hero-bg,.hero-overlay{position:absolute;inset:0}
.hero-bg{background:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=1800&auto=format&fit=crop') center/cover no-repeat}
.hero-overlay{background:linear-gradient(90deg,rgba(2,6,23,.85),rgba(23,37,84,.78),rgba(30,58,138,.55))}
.hero .inner{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:112px 24px}
.eyebrow{
  display:inline-block;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.1);
  color:var(--blue-100);padding:6px 12px;border-radius:999px;font-size:12px;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase
}
.hero h1{margin:24px 0 0;font-size:58px;line-height:1.05;color:#fff;max-width:760px}
.hero p{margin:24px 0 0;max-width:620px;color:var(--blue-100);font-size:20px;line-height:1.7}
.btn{
  display:inline-flex;align-items:center;justify-content:center;padding:14px 24px;border-radius:10px;
  font-size:15px;font-weight:700;transition:.25s transform,.25s box-shadow,.25s background,.25s color;border:1px solid transparent
}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:#fff;color:var(--blue-950);box-shadow:var(--shadow-lg)}
.btn-secondary{border-color:rgba(255,255,255,.3);color:#fff}
.btn-blue{background:var(--blue-900);color:#fff;box-shadow:var(--shadow-sm)}
.btn-outline{border-color:var(--slate-300);color:var(--slate-900);background:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:40px}
.trust-card{
  border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.08);backdrop-filter:blur(6px);
  color:#dbeafe;padding:14px 16px;border-radius:14px;font-size:14px
}
.panel{
  border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.96);border-radius:28px;
  padding:32px;box-shadow:0 25px 60px rgba(15,23,42,.25)
}
.panel h2{margin:10px 0 0;font-size:32px;line-height:1.2}
.panel .eyebrow-alt,.section .eyebrow-alt{font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-700)}
.card-list{display:grid;gap:16px;margin-top:24px}
.mini-card{
  display:block;border:1px solid var(--slate-200);background:#fff;border-radius:18px;padding:20px;box-shadow:var(--shadow-sm);
  transition:.25s transform,.25s box-shadow
}
.mini-card:hover,.tile:hover,.form-card:hover,.faq-item:hover,.step:hover,.feature:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.mini-card .title,.tile h3,.feature h3,.faq-item h3,.step h3,.legal-title{font-weight:700}
.mini-card p{margin:6px 0 0;font-size:14px;color:var(--slate-600);line-height:1.6}
.mini-card .cta{margin-top:12px;font-size:14px;color:var(--blue-700);font-weight:600}
.section{border-bottom:1px solid var(--slate-200);padding:80px 0}
.section.alt{background:var(--slate-100)}
.section h2{font-size:40px;line-height:1.15;margin:12px 0 0}
.section p.lead{max-width:760px;color:var(--slate-600);margin-top:16px;font-size:18px;line-height:1.75}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:40px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:40px}
.tile,.feature,.faq-item,.step,.contact-card,.legal-card,.form-card,.aside-card{
  border:1px solid var(--slate-200);border-radius:24px;background:#fff;padding:24px;box-shadow:var(--shadow-sm);transition:.25s transform,.25s box-shadow
}
.tile{background:var(--slate-100)}
.tile h3,.feature h3{font-size:20px;margin:0}
.feature p,.tile p,.faq-item p,.step p,.legal-card p,.contact-card p,.aside-card p{margin:12px 0 0;color:var(--slate-600);line-height:1.7}
.payment-layout,.about-layout,.contact-layout{display:grid;grid-template-columns:1fr .9fr;gap:48px;align-items:center;margin-top:40px}
.notice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:32px}
.notice{
  border-radius:18px;padding:18px 20px;font-size:14px;line-height:1.6
}
.notice.green{border:1px solid var(--emerald-200);background:var(--emerald-50);color:var(--emerald-900)}
.notice.gray{border:1px solid var(--slate-200);background:var(--slate-100);color:var(--slate-700)}
.disclosure{margin-top:24px;font-size:13px;color:var(--slate-500);line-height:1.7}
.aside-card img{border-radius:18px;height:288px;width:100%;object-fit:cover}
.badge-list{display:grid;gap:12px;margin-top:20px}
.badge{border:1px solid var(--slate-200);background:#fff;border-radius:14px;padding:14px 16px;color:var(--slate-600);font-size:14px}
.form-grid{display:grid;gap:24px;margin-top:40px;grid-template-columns:repeat(2,1fr)}
.form-card h3{font-size:24px;margin:0}
.form-card p{margin:10px 0 0;color:var(--slate-600)}
.form-fields{display:grid;gap:16px;margin-top:20px}
input,textarea{
  width:100%;padding:14px 16px;border:1px solid var(--slate-300);border-radius:10px;font:inherit;color:var(--slate-900);background:#fff
}
textarea{min-height:140px;resize:vertical}
.checkbox{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--slate-600)}
.form-note{font-size:12px;color:var(--slate-500);line-height:1.6}
.about-layout{grid-template-columns:1fr 1fr}
.about-image-wrap{position:relative}
.about-image{height:420px;width:100%;object-fit:cover;border-radius:28px;box-shadow:var(--shadow-lg)}
.leadership{
  position:absolute;left:-24px;bottom:-24px;background:#fff;border:1px solid var(--slate-200);border-radius:18px;
  padding:20px 24px;box-shadow:var(--shadow-md)
}
.faq-list{display:grid;gap:16px;margin-top:40px}
.contact-layout .contact-card{background:#fff}
.footer{background:var(--slate-950);color:#fff}
.footer .inner{max-width:1200px;margin:0 auto;padding:40px 24px;align-items:flex-start}
.footer-grid{width:100%;justify-content:space-between;align-items:flex-start}
.footer-col{max-width:340px}
.footer-title{font-size:14px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--slate-400)}
.footer a,.footer p,.footer div{color:var(--slate-300)}
.footer-main{font-size:20px;font-weight:700;color:#fff}
.footer .links{display:grid;gap:10px;margin-top:12px;font-size:14px}
.footer .links a:hover{color:#fff}
.footer-bottom{
  max-width:1200px;margin:0 auto;padding:24px;border-top:1px solid var(--slate-800);
  font-size:12px;line-height:1.7;color:var(--slate-400)
}
.legal-page{padding:64px 0;border-bottom:1px solid var(--slate-200)}
.legal-page p{font-size:17px;line-height:1.9;color:var(--slate-600);max-width:900px}
.mobile-sticky{
  position:fixed;left:16px;right:16px;bottom:16px;z-index:30;display:none;grid-template-columns:1fr 1fr;gap:12px
}
@media (max-width: 1024px){
  .hero .inner,.payment-layout,.about-layout,.contact-layout{grid-template-columns:1fr}
  .trust-grid,.grid-4,.grid-3{grid-template-columns:repeat(2,1fr)}
}
@media (max-width: 720px){
  .container{padding:0 18px}
  .header .inner,.topbar .inner,.footer .inner,.footer-bottom{padding-left:18px;padding-right:18px}
  .hero .inner{padding:88px 18px}
  .hero h1{font-size:42px}
  .hero p{font-size:18px}
  .trust-grid,.grid-4,.grid-3,.grid-2,.notice-grid,.form-grid{grid-template-columns:1fr}
  .brand-title{font-size:24px}
  .panel h2,.section h2{font-size:30px}
  .leadership{position:static;margin-top:16px}
  .mobile-sticky{display:grid}
  .footer-grid{flex-direction:column}
}