:root {
  --navy: #1f3a5f;
  --navy-dark: #152a45;
  --gold: #f4b740;
  --ink: #1d2433;
  --muted: #5b6475;
  --bg: #ffffff;
  --soft: #f6f4ef;
  --line: #e6e2d8;
  --radius: 14px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
}
img { max-width: 100%; }
a { color: var(--navy); }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 22px; }
.narrow { max-width: 760px; }
.center { text-align: center; }

.top { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.top-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 20px; color: var(--navy); text-decoration: none; }
nav { display: flex; align-items: center; gap: 22px; }
nav a { text-decoration: none; color: var(--ink); font-weight: 500; }
nav a:hover { color: var(--navy); }

.btn { display: inline-block; background: var(--navy); color: #fff; padding: 13px 24px; border-radius: 999px; font-weight: 700; text-decoration: none; transition: background .15s, transform .15s; }
.btn:hover { background: var(--navy-dark); transform: translateY(-1px); }
nav a.btn, nav a.btn:hover { color: #fff; }
.btn-small { padding: 9px 18px; font-size: 15px; }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-ghost:hover { background: var(--soft); }
.btn-light { background: var(--gold); color: var(--navy-dark); }
.btn-light:hover { background: #ffc955; }

.hero { padding: 72px 0 80px; background: linear-gradient(180deg, var(--soft), #fff); }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.eyebrow { margin: 0 0 10px; color: #b07a10; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; font-size: 14px; }
h1 { font-size: clamp(34px, 5vw, 54px); line-height: 1.1; margin: 0 0 18px; color: var(--navy-dark); letter-spacing: -.02em; }
.lead { font-size: 19px; color: var(--muted); margin: 0 0 28px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.small { font-size: 14px; color: var(--muted); margin-top: 18px; }

.hero-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 18px; box-shadow: 0 24px 60px rgba(31,58,95,.14); }
.mock-head { display: flex; gap: 6px; margin-bottom: 14px; }
.mock-head span { width: 10px; height: 10px; border-radius: 50%; background: var(--line); }
.mock-title { font-weight: 800; font-size: 20px; color: var(--navy); margin-bottom: 10px; }
.mock-item { padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 8px; font-size: 15px; color: var(--muted); }
.mock-item b { color: var(--ink); }
.mock-item em { float: right; font-style: normal; font-weight: 700; color: #b03a2e; }
.mock-item.hot { border-color: #f1c9c4; background: #fff7f6; }
.mock-owl { display: flex; align-items: center; gap: 12px; margin-top: 14px; padding: 12px; background: var(--soft); border-radius: 12px; font-weight: 600; color: var(--navy); }

.section { padding: 80px 0; }
.section.alt { background: var(--soft); }
h2 { font-size: clamp(28px, 3.6vw, 38px); margin: 0 0 12px; color: var(--navy-dark); letter-spacing: -.01em; }
.section-lead { color: var(--muted); font-size: 19px; margin: 0 0 36px; max-width: 680px; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card h3 { margin: 0 0 8px; font-size: 19px; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: 16px; }

.steps { list-style: none; counter-reset: s; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.steps li { counter-increment: s; background: #fff; border-radius: var(--radius); padding: 24px; border: 1px solid var(--line); color: var(--muted); }
.steps li::before { content: counter(s); display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--navy-dark); font-weight: 800; margin-bottom: 12px; }
.steps b { display: block; color: var(--ink); margin-bottom: 4px; }

details { border-bottom: 1px solid var(--line); padding: 16px 0; }
summary { cursor: pointer; font-weight: 700; font-size: 18px; }
details p { color: var(--muted); margin: 10px 0 0; }

.cta { background: var(--navy); color: #fff; }
.cta h2 { color: #fff; margin-top: 12px; }
.cta p { color: #d5deea; font-size: 19px; margin: 0 0 26px; }

.foot { padding: 28px 0; border-top: 1px solid var(--line); color: var(--muted); font-size: 15px; }
.foot-row { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  nav a:not(.btn) { display: none; }
  .grid, .steps { grid-template-columns: 1fr; }
  .hero { padding: 48px 0 56px; }
  .section { padding: 56px 0; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}