:root {
  --slate: #1F2E3B;
  --slate-2: #2E4152;
  --sky: #EEF3F7;
  --paper: #FFFFFF;
  --amber: #F2AA2E;
  --amber-dark: #D18A12;
  --mesh: #63727E;
  --line: #D5DEE6;
  --ok: #2F7D5B;
  --error: #B3261E;
  --radius-lg: 18px;
  --radius-sm: 10px;
  --display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body: "Public Sans", "Segoe UI", system-ui, sans-serif;
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--slate);
  background: var(--paper);
}
img, svg { max-width: 100%; display: block; }
a { color: var(--slate-2); text-underline-offset: 3px; }
a:hover { color: var(--slate); }
:focus-visible { outline: 3px solid var(--amber-dark); outline-offset: 2px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--display); line-height: 1.12; letter-spacing: -0.015em; margin: 0 0 0.5em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 720px; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: var(--paper); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--slate); font-family: var(--display); font-weight: 700; font-size: 1.3rem; }
.brand svg { width: 30px; height: 30px; }
.header-link { font-weight: 600; font-size: 0.95rem; text-decoration: none; padding: 9px 16px; border-radius: 999px; background: var(--sky); color: var(--slate); }
.header-link:hover { background: var(--line); }

/* Hero */
section.hero { background: var(--slate); color: #fff; position: relative; overflow: hidden; padding: 0; }
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 26px;
  background-image:
    repeating-linear-gradient(45deg, rgba(255,255,255,.22) 0 2px, transparent 2px 13px),
    repeating-linear-gradient(-45deg, rgba(255,255,255,.22) 0 2px, transparent 2px 13px);
}
.hero .wrap { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; padding-top: 64px; padding-bottom: 88px; align-items: start; }
.hero h1 { color: #fff; max-width: 15ch; }
.hero .lede { font-size: 1.15rem; color: #D7E1EA; max-width: 46ch; }
.hero-points { list-style: none; padding: 0; margin: 26px 0 32px; display: grid; gap: 12px; }
.hero-points li { display: flex; gap: 12px; align-items: flex-start; color: #EAF0F5; }
.hero-points svg { flex: none; width: 22px; height: 22px; margin-top: 3px; }
.hero-art { max-width: 470px; }

/* Form card */
.quote-card {
  background: var(--paper); color: var(--slate);
  border-radius: var(--radius-lg); padding: 30px 30px 26px;
  box-shadow: 0 24px 60px rgba(8, 18, 28, .35);
}
.quote-card h2 { font-size: 1.55rem; margin-bottom: 4px; }
.quote-card .sub { color: var(--mesh); font-size: 0.95rem; margin-bottom: 18px; }
.progress { display: flex; gap: 6px; margin-bottom: 8px; }
.progress span { flex: 1; height: 5px; border-radius: 3px; background: var(--line); transition: background .25s; }
.progress span.on { background: var(--amber); }
.step-label { font-size: 0.85rem; color: var(--mesh); margin-bottom: 14px; }

fieldset { border: 0; padding: 0; margin: 0 0 18px; }
legend, .field > label { font-weight: 600; font-size: 0.98rem; margin-bottom: 8px; display: block; padding: 0; }
.choices { display: grid; gap: 8px; }
.choices.cols-2 { grid-template-columns: 1fr 1fr; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.choice span {
  display: block; padding: 11px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-size: 0.95rem; line-height: 1.35; background: #fff; transition: border-color .15s, background .15s;
}
.choice input:hover + span { border-color: var(--mesh); }
.choice input:checked + span { border-color: var(--slate); background: var(--sky); box-shadow: inset 0 0 0 1px var(--slate); }
.choice input:focus-visible + span { outline: 3px solid var(--amber-dark); outline-offset: 2px; }

.field { margin-bottom: 16px; }
.field input, .field textarea, .field select {
  width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1.5px solid var(--line);
  border-radius: var(--radius-sm); background: #fff; color: var(--slate);
}
.field input:focus, .field textarea:focus { border-color: var(--slate); outline: none; box-shadow: 0 0 0 3px rgba(242,170,46,.45); }
.field textarea { min-height: 84px; resize: vertical; }
.hint { font-size: 0.85rem; color: var(--mesh); margin-top: 5px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 0.86rem; color: var(--slate-2); margin: 4px 0 18px; }
.consent input { width: 18px; height: 18px; margin-top: 3px; flex: none; accent-color: var(--slate); }
.error-msg { color: var(--error); font-size: 0.88rem; font-weight: 600; margin: -6px 0 12px; min-height: 0; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: inherit; font-weight: 700; font-size: 1.05rem; border: 0; cursor: pointer;
  background: var(--amber); color: var(--slate); padding: 15px 26px; border-radius: 999px;
  text-decoration: none; transition: background .15s, transform .1s;
}
.btn:hover { background: var(--amber-dark); color: var(--slate); }
.btn:active { transform: translateY(1px); }
.btn-block { width: 100%; }
.btn-ghost { background: transparent; color: var(--slate-2); padding: 15px 12px; font-weight: 600; }
.btn-ghost:hover { background: var(--sky); }
.form-nav { display: flex; gap: 10px; align-items: center; }
.form-nav .btn:not(.btn-ghost) { flex: 1; }
.reassure { text-align: center; font-size: 0.84rem; color: var(--mesh); margin: 12px 0 0; }

.js .step { display: none; }
.js .step.active { display: block; animation: stepIn .25s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateX(8px); } to { opacity: 1; transform: none; } }
.no-js-only { display: block; }
.js .no-js-only { display: none; }
.js-only { display: none; }
.js .js-only { display: flex; }
.hidden { display: none !important; }

/* Sections */
section { padding: 84px 0; }
.section-alt { background: var(--sky); }
.section-head { max-width: 640px; margin-bottom: 40px; }
.section-head p { color: var(--slate-2); font-size: 1.08rem; }

.signs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px 40px; }
.sign h3 { margin-bottom: 6px; }
.sign p { color: var(--slate-2); margin: 0; }
.sign svg { width: 36px; height: 36px; margin-bottom: 12px; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; counter-reset: s; border-top: 2px solid var(--slate); }
.steps li { counter-increment: s; padding: 26px 28px 8px 0; }
.steps li::before { content: counter(s); font-family: var(--display); font-weight: 700; font-size: 2.6rem; color: var(--amber-dark); display: block; line-height: 1; margin-bottom: 14px; }
.steps p { color: var(--slate-2); margin: 0; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.tick-list { list-style: none; padding: 0; margin: 0 0 1em; }
.tick-list li { padding-left: 32px; position: relative; margin-bottom: 12px; }
.tick-list li::before {
  content: ""; position: absolute; left: 0; top: 6px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat;
}

.price-panel { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px; }
.price-figure { font-family: var(--display); font-weight: 700; font-size: clamp(2.2rem, 5vw, 3.2rem); line-height: 1; margin: 6px 0 10px; }
.price-panel .small { font-size: 0.9rem; color: var(--mesh); }
.factor-list { margin: 18px 0 22px; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.factor-list li { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid var(--line); font-size: 0.97rem; }
.factor-list li span:last-child { color: var(--mesh); text-align: right; }

.faq { max-width: 780px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 20px 40px 20px 0; font-weight: 600; font-size: 1.08rem; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 16px; font-size: 1.6rem; font-weight: 400; color: var(--mesh); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--slate-2); padding-right: 40px; }

.cta-band { background: var(--slate); color: #fff; text-align: center; padding: 72px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #D7E1EA; max-width: 52ch; margin: 0 auto 26px; }

/* Article pages */
.article { padding: 64px 0 80px; }
.article h1 { font-size: clamp(2rem, 4vw, 2.8rem); }
.article h2 { font-size: 1.6rem; margin-top: 1.6em; }
.article .lede { font-size: 1.15rem; color: var(--slate-2); }
.article table { width: 100%; border-collapse: collapse; margin: 1em 0 1.6em; font-size: 0.97rem; }
.article th, .article td { text-align: left; padding: 11px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.article th { background: var(--sky); font-weight: 600; }
.callout { background: var(--sky); border-left: 4px solid var(--amber); padding: 22px 24px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 2em 0; }
.callout p:last-child { margin-bottom: 0; }
.breadcrumb { font-size: 0.88rem; color: var(--mesh); margin-bottom: 18px; }
.breadcrumb a { color: var(--mesh); }

/* Footer */
.site-footer { background: #17232E; color: #B9C6D2; padding: 48px 0 40px; font-size: 0.92rem; }
.site-footer .wrap { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; }
.site-footer a { color: #E3EAF0; }
.site-footer .brand { color: #fff; margin-bottom: 12px; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.legal { grid-column: 1 / -1; border-top: 1px solid #2B3B49; padding-top: 20px; font-size: 0.85rem; color: #8FA0AF; }

/* Responsive */
@media (max-width: 920px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 24px; padding-top: 32px; padding-bottom: 60px; }
  .hero h1 { max-width: none; }
  .hero-art { display: none; }
  .signs, .steps { grid-template-columns: 1fr; }
  .steps li { padding-right: 0; border-bottom: 1px solid var(--line); padding-bottom: 22px; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .site-footer .wrap { grid-template-columns: 1fr; }
  section { padding: 60px 0; }
}
@media (max-width: 480px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .quote-card { padding: 22px 18px 20px; }
  .choices.cols-2 { grid-template-columns: 1fr 1fr; }
  .hero-points { margin: 18px 0 8px; }
  .header-link { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
}