:root {
  --bg: #f4f8ff;
  --surface: #ffffff;
  --surface-soft: #edf4ff;
  --text: #0d1b3d;
  --muted: #58709a;
  --line: rgba(21, 73, 170, 0.12);
  --blue: #1b61ff;
  --blue-dark: #0e47c6;
  --blue-deep: #0e204f;
  --shadow: 0 16px 44px rgba(18, 62, 145, 0.12);
  --radius: 24px;
  --radius-sm: 16px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(83, 156, 255, 0.16), transparent 28%),
    linear-gradient(180deg, #f9fbff 0%, #f4f8ff 100%);
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  width: min(var(--container), calc(100% - 2rem));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(14px);
  background: rgba(249, 251, 255, 0.82);
  border-bottom: 1px solid rgba(13, 27, 61, 0.06);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.9rem;
}

.brand-mark {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  font-weight: 800;
  color: white;
  background: linear-gradient(135deg, var(--blue), #58a7ff);
  box-shadow: var(--shadow);
}

.brand-name,
.brand-sub,
.card-label,
.footer-brand {
  margin: 0;
}

.brand-name,
.footer-brand {
  font-weight: 800;
}

.brand-sub {
  color: var(--muted);
  font-size: 0.92rem;
}

.hero {
  padding: 5rem 0 3rem;
}

.hero-grid,
.two-column,
.footer-row {
  display: grid;
  gap: 2rem;
}

.hero-grid,
.two-column {
  grid-template-columns: 1.12fr 0.88fr;
  align-items: center;
}

.eyebrow,
.section-tag {
  display: inline-block;
  font-size: 0.84rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 1rem;
}

.section-tag.light {
  color: #b8d5ff;
}

h1, h2, h3, p {
  margin-top: 0;
}

h1 {
  font-size: clamp(2.5rem, 5vw, 4.8rem);
  line-height: 0.95;
  margin-bottom: 1rem;
  letter-spacing: -0.04em;
}

h2 {
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

h3 {
  font-size: 1.08rem;
  margin-bottom: 0.5rem;
}

.hero-text,
.section-copy,
.section-heading p,
.feature-card p,
.money-block p,
.money-grid p,
.system-panel p,
.step-card p,
.quote-card p,
.site-footer p,
.form-intro p {
  color: var(--muted);
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  margin: 1.5rem 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0.98rem 1.35rem;
  font-weight: 700;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  color: white;
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  box-shadow: 0 16px 28px rgba(27, 97, 255, 0.28);
}

.btn-secondary {
  color: var(--blue-deep);
  background: white;
  border: 1px solid rgba(14, 32, 79, 0.1);
}

.btn-small {
  padding: 0.82rem 1.1rem;
}

.hero-points {
  list-style: none;
  padding: 0;
  margin: 1.8rem 0 0;
  display: grid;
  gap: 0.9rem;
}

.hero-points li,
.fit-list li {
  position: relative;
  padding-left: 1.5rem;
  color: var(--text);
}

.hero-points li::before,
.fit-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65rem;
  width: 0.55rem;
  height: 0.55rem;
  border-radius: 999px;
  background: var(--blue);
}

.hero-card,
.feature-card,
.system-panel,
.step-card,
.quote-card,
.apply-form {
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.hero-card {
  padding: 2rem;
  border-radius: calc(var(--radius) + 4px);
}

.card-label {
  color: var(--blue);
  font-weight: 700;
  margin-bottom: 1rem;
}

.money-block {
  padding: 1.1rem 1.25rem;
  border-radius: 20px;
  background: linear-gradient(180deg, #f3f8ff 0%, #ffffff 100%);
  border: 1px solid rgba(27, 97, 255, 0.1);
  margin-bottom: 1rem;
}

.money-block span,
.stats-grid strong {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  color: var(--blue-deep);
}

.money-grid,
.feature-grid,
.steps-grid,
.stats-grid {
  display: grid;
  gap: 1rem;
}

.money-grid,
.steps-grid,
.stats-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.money-grid article,
.stats-grid article {
  padding: 1.1rem;
  border-radius: 18px;
  background: var(--surface-soft);
}

.hero-disclaimer {
  font-size: 0.92rem;
  margin-top: 1rem;
}

.stats-strip {
  padding-bottom: 1rem;
}

.stats-grid article {
  text-align: center;
  border: 1px solid var(--line);
}

.stats-grid span {
  color: var(--muted);
}

.section {
  padding: 5rem 0;
}

.section-blue {
  background: linear-gradient(135deg, #0d2b70, #123b9f 58%, #1b61ff 100%);
  color: white;
}

.section-soft {
  background: rgba(255, 255, 255, 0.5);
}

.section-heading.center {
  max-width: 760px;
  margin: 0 auto 2rem;
  text-align: center;
}

.feature-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.feature-card,
.step-card,
.quote-card {
  padding: 1.4rem;
  border-radius: 22px;
}

.comp-ladder {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0.9rem;
  margin-top: 2rem;
}

.comp-ladder div {
  padding: 1.2rem;
  border-radius: 18px;
  text-align: center;
  font-size: 1.3rem;
  font-weight: 800;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.16);
}

.align-start {
  align-items: start;
}

.system-panel {
  border-radius: 26px;
  padding: 1.2rem;
}

.system-panel article + article {
  border-top: 1px solid var(--line);
  margin-top: 1rem;
  padding-top: 1rem;
}

.steps-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.step-card span {
  display: inline-flex;
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 999px;
  align-items: center;
  justify-content: center;
  background: var(--surface-soft);
  color: var(--blue);
  font-weight: 800;
  margin-bottom: 1rem;
}

.fit-list {
  list-style: none;
  margin: 1rem 0 0;
  padding: 0;
  display: grid;
  gap: 1rem;
}

.quote-card {
  min-height: 100%;
  display: flex;
  align-items: center;
}

.form-shell {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 2rem;
  align-items: start;
}

.apply-form {
  border-radius: 30px;
  padding: 1.4rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.field.full {
  grid-column: 1 / -1;
}

label {
  font-weight: 700;
  color: var(--blue-deep);
}

input,
textarea,
select {
  width: 100%;
  border-radius: 16px;
  border: 1px solid rgba(13, 27, 61, 0.12);
  background: white;
  padding: 0.96rem 1rem;
  font: inherit;
  color: var(--text);
}

input:focus,
textarea:focus,
select:focus {
  outline: 2px solid rgba(27, 97, 255, 0.2);
  border-color: rgba(27, 97, 255, 0.45);
}

.btn-submit {
  width: 100%;
  border: 0;
  font: inherit;
  cursor: pointer;
}

.hidden,
.hidden-field {
  display: none;
}

.site-footer {
  padding: 2rem 0 3rem;
}

.footer-row {
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 1rem;
}

@media (max-width: 980px) {
  .hero-grid,
  .two-column,
  .form-shell,
  .footer-row {
    grid-template-columns: 1fr;
  }

  .feature-grid,
  .steps-grid,
  .comp-ladder,
  .money-grid,
  .stats-grid,
  .apply-form {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .hero {
    padding-top: 3.5rem;
  }

  .nav {
    gap: 1rem;
  }

  .brand-sub {
    display: none;
  }

  .hero-actions {
    flex-direction: column;
  }

  .btn {
    width: 100%;
  }
}