@import url('https://fonts.googleapis.com/css2?family=Lato:wght@400;700;900&family=Montserrat:wght@600;700;800&display=swap');

:root {
  --blue: #217bb2;
  --blue-dark: #1f314a;
  --blue-deep: #142337;
  --gold: #d6a84f;
  --ice: #eef7fb;
  --line: #dce5eb;
  --muted: #5f6b78;
  --white: #fff;
  --shadow: 0 24px 60px rgba(23, 48, 72, .14);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--blue-dark); background: var(--white); font-family: Lato, Arial, sans-serif; line-height: 1.65; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: fixed; left: 16px; top: -60px; padding: 10px 14px; z-index: 100; background: var(--white); }
.skip-link:focus { top: 12px; }

.site-header { position: sticky; top: 0; z-index: 20; border-bottom: 1px solid rgba(31,49,74,.08); background: rgba(255,255,255,.96); backdrop-filter: blur(14px); }
.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; }
.brand-mark { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 50% 50% 50% 12px; background: linear-gradient(145deg, var(--blue), var(--blue-dark)); color: var(--white); font: 800 18px Montserrat, sans-serif; }
.brand-name { font: 800 17px Montserrat, sans-serif; letter-spacing: -.3px; }
.brand-name small { display: block; color: var(--blue); font: 700 9px Montserrat, sans-serif; letter-spacing: 1.8px; text-transform: uppercase; }
.site-nav { display: flex; align-items: center; gap: 26px; }
.site-nav a { font-weight: 700; text-decoration: none; font-size: 14px; }
.menu-button { display: none; border: 0; background: transparent; font-weight: 800; color: var(--blue-dark); }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 12px 22px; border: 0; border-radius: 10px; background: var(--blue); color: var(--white); font: 800 14px Montserrat, sans-serif; text-decoration: none; cursor: pointer; box-shadow: 0 10px 26px rgba(33,123,178,.22); }
.button:hover { background: #176996; }
.button:focus-visible, input:focus-visible, select:focus-visible, a:focus-visible { outline: 3px solid rgba(214,168,79,.7); outline-offset: 3px; }
.button--small { min-height: 42px; padding: 9px 17px; }
.button--ghost { background: transparent; color: var(--blue-dark); border: 1px solid var(--line); box-shadow: none; }

.hero { overflow: hidden; background: radial-gradient(circle at 85% 12%, rgba(33,123,178,.14), transparent 28%), linear-gradient(135deg, #f9fcfd, #eef7fb); }
.hero-grid { min-height: 720px; display: grid; grid-template-columns: .9fr 1.1fr; align-items: center; gap: 70px; padding-block: 76px; }
.eyebrow { margin: 0 0 16px; color: var(--blue); font: 800 12px Montserrat, sans-serif; letter-spacing: 1.5px; text-transform: uppercase; }
h1, h2, h3 { font-family: Montserrat, Arial, sans-serif; line-height: 1.16; }
h1 { max-width: 720px; margin: 0; font-size: clamp(40px, 5.5vw, 68px); letter-spacing: -2.2px; }
.accent { color: var(--blue); }
.hero-copy > p:not(.eyebrow) { max-width: 610px; margin: 24px 0; color: var(--muted); font-size: 18px; }
.check-list { display: grid; gap: 13px; padding: 0; margin: 26px 0 30px; list-style: none; }
.check-list li { display: flex; gap: 11px; font-weight: 700; }
.check-list li::before { content: '✓'; width: 24px; height: 24px; flex: 0 0 24px; display: grid; place-items: center; border-radius: 50%; background: rgba(33,123,178,.12); color: var(--blue); font-weight: 900; }
.agent-mini { display: flex; align-items: center; gap: 13px; margin-top: 24px; }
.agent-photo, .agent-placeholder { width: 62px; height: 62px; border-radius: 50%; object-fit: cover; border: 3px solid var(--white); box-shadow: 0 6px 20px rgba(31,49,74,.16); }
.agent-placeholder { display: none; place-items: center; background: var(--blue-dark); color: white; font: 800 16px Montserrat, sans-serif; }
.agent-mini strong, .agent-mini span { display: block; }
.agent-mini span { color: var(--muted); font-size: 13px; }

.form-card { position: relative; min-height: 650px; padding: 30px; border: 1px solid rgba(31,49,74,.09); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.form-card::before { content: ''; position: absolute; inset: -12px 22px auto; height: 26px; border-radius: 18px; background: rgba(33,123,178,.12); z-index: -1; }
.form-header h2 { margin: 0 0 7px; font-size: 25px; }
.form-header p { margin: 0; color: var(--muted); font-size: 14px; }
.progress { margin: 22px 0 28px; }
.progress__track { height: 7px; overflow: hidden; border-radius: 99px; background: #e7edf1; }
.progress__bar { height: 100%; width: 12.5%; background: linear-gradient(90deg, var(--blue), var(--gold)); transition: width .25s ease; }
.progress__text { display: block; margin-top: 7px; color: var(--muted); font-size: 12px; text-align: right; }
.form-step { border: 0; padding: 0; margin: 0; }
.form-step legend { width: 100%; margin-bottom: 20px; padding: 0; font: 700 21px Montserrat, sans-serif; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice span { min-height: 58px; display: flex; align-items: center; padding: 14px 16px; border: 1px solid var(--line); border-radius: 10px; color: var(--blue-dark); font-weight: 700; cursor: pointer; transition: .15s ease; }
.choice input:checked + span { color: var(--blue); border-color: var(--blue); background: var(--ice); box-shadow: inset 0 0 0 1px var(--blue); }
.choice input:focus-visible + span { outline: 3px solid rgba(214,168,79,.7); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 6px; margin-bottom: 16px; }
.field--full { grid-column: 1 / -1; }
.field--spaced { margin-top: 18px; }
.field label { font-weight: 800; font-size: 13px; }
.field input, .field select { width: 100%; min-height: 52px; padding: 12px 13px; border: 1px solid #cfd9df; border-radius: 9px; background: var(--white); color: var(--blue-dark); }
.field small { color: var(--muted); }
.form-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; }
.form-error { margin: 15px 0; padding: 12px; border-radius: 8px; background: #fff0f0; color: #8b1f1f; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: start; color: var(--muted); font-size: 12px; }
.consent input { margin-top: 4px; }
.privacy-note { display: flex; align-items: center; gap: 8px; margin: 20px 0 0; color: var(--muted); font-size: 12px; }
.privacy-note::before { content: '●'; color: #2b9c68; }
.hp-field { position: absolute; left: -9999px; height: 1px; width: 1px; overflow: hidden; }

.trust-strip { border-block: 1px solid var(--line); background: var(--white); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding-block: 25px; }
.trust-item { text-align: center; font-weight: 800; font-size: 13px; }
.trust-item span { display: block; margin-bottom: 4px; color: var(--blue); font-size: 20px; }
.section { padding-block: 92px; }
.section--tint { background: #f7fafc; }
.section-heading { max-width: 720px; margin: 0 auto 42px; text-align: center; }
.section-heading h2 { margin: 0 0 15px; font-size: clamp(30px, 4vw, 46px); letter-spacing: -1.3px; }
.section-heading p { color: var(--muted); font-size: 17px; }
.benefit-grid, .steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit-card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.benefit-icon { width: 48px; height: 48px; display: grid; place-items: center; margin-bottom: 19px; border-radius: 12px; background: var(--ice); color: var(--blue); font: 800 20px Montserrat, sans-serif; }
.benefit-card h3 { margin: 0 0 10px; font-size: 18px; }
.benefit-card p { margin: 0; color: var(--muted); font-size: 14px; }
.about-grid { display: grid; grid-template-columns: .8fr 1.2fr; align-items: center; gap: 68px; }
.photo-frame { position: relative; overflow: hidden; aspect-ratio: 4 / 5; border-radius: 28px; background: linear-gradient(145deg, var(--blue), var(--blue-dark)); }
.photo-frame img { width: 100%; height: 100%; object-fit: cover; }
.photo-fallback { height: 100%; display: none; place-items: center; color: var(--white); font: 800 52px Montserrat, sans-serif; }
.about-copy h2 { margin: 0 0 18px; font-size: clamp(32px, 4vw, 48px); }
.about-copy p { color: var(--muted); }
.license-list { display: flex; flex-wrap: wrap; gap: 9px; padding: 0; list-style: none; }
.license-list li { padding: 6px 12px; border-radius: 99px; background: var(--ice); color: var(--blue); font-weight: 800; font-size: 12px; }
.step-card { text-align: center; }
.step-number { width: 58px; height: 58px; display: grid; place-items: center; margin: 0 auto 18px; border-radius: 50%; background: var(--blue-dark); color: var(--white); font: 800 18px Montserrat, sans-serif; }
.step-card h3 { font-size: 17px; }
.step-card p { color: var(--muted); font-size: 14px; }
.cta { padding: 52px; display: flex; align-items: center; justify-content: space-between; gap: 30px; border-radius: 24px; color: var(--white); background: linear-gradient(135deg, var(--blue-deep), var(--blue)); }
.cta h2 { margin: 0 0 8px; font-size: clamp(27px, 3vw, 38px); }
.cta p { margin: 0; color: rgba(255,255,255,.78); }
.cta .button { flex: 0 0 auto; background: var(--gold); color: var(--blue-deep); }

.site-footer { padding: 54px 0 24px; background: #eef3f6; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 35px; }
.footer-grid h3 { margin-top: 0; font-size: 14px; text-transform: uppercase; letter-spacing: 1px; }
.footer-grid p, .footer-grid a, .legal { color: var(--muted); font-size: 13px; }
.footer-links { display: grid; gap: 8px; }
.footer-links a { text-decoration: none; }
.legal { margin-top: 35px; padding-top: 22px; border-top: 1px solid #d9e2e7; }
.legal p { margin: 7px 0; }

.simple-page { min-height: 70vh; padding-block: 90px; background: #f7fafc; }
.simple-card { max-width: 760px; margin: auto; padding: 46px; border-radius: 22px; background: var(--white); box-shadow: var(--shadow); }
.success-icon { width: 68px; height: 68px; display: grid; place-items: center; border-radius: 50%; background: #e6f6ee; color: #168554; font-size: 30px; font-weight: 900; }
.simple-card h1 { margin-top: 20px; font-size: 38px; letter-spacing: -1px; }
.simple-card h2 { margin-top: 32px; font-size: 21px; }
.simple-card p, .simple-card li { color: var(--muted); }

@media (max-width: 900px) {
  .site-nav { display: none; position: absolute; inset: 76px 0 auto; padding: 20px; flex-direction: column; background: var(--white); border-bottom: 1px solid var(--line); }
  .site-nav--open { display: flex; }
  .menu-button { display: block; }
  .hero-grid, .about-grid { grid-template-columns: 1fr; }
  .hero-grid { padding-block: 56px; }
  .hero-copy { text-align: center; }
  .hero-copy > p, .check-list { margin-inline: auto; text-align: left; }
  .agent-mini { justify-content: center; text-align: left; }
  .benefit-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 26px, 1160px); }
  .brand-name { font-size: 14px; }
  h1 { font-size: 39px; letter-spacing: -1.4px; }
  .form-card { min-height: 690px; padding: 22px 17px; border-radius: 18px; }
  .choice-grid, .field-grid, .benefit-grid, .steps-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust-grid { gap: 14px; }
  .section { padding-block: 66px; }
  .cta { padding: 32px 24px; flex-direction: column; align-items: flex-start; }
  .simple-card { padding: 30px 22px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}