:root {
  --navy: #0b2c5e;
  --blue: #1a6dff;
  --muted: #5c6b80;
  --line: #e6eaf0;
  --bg: #ffffff;
  --soft: #f4f7fb;
  --ink: #163a6b;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--navy);
  background: var(--bg);
  line-height: 1.55;
}

a {
  color: var(--blue);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.top {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 20px;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
}

.brand img {
  border-radius: 8px;
}

nav {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  font-weight: 600;
  font-size: 14px;
}

nav a[aria-current="page"] {
  color: var(--navy);
}

.hero,
.block,
.policy {
  max-width: 880px;
  margin: 0 auto;
  padding: 40px 20px;
}

.eyebrow {
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: 0 0 10px;
}

h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1.15;
  margin: 0 0 16px;
  letter-spacing: -0.02em;
}

h2 {
  font-size: 1.45rem;
  margin: 0 0 16px;
}

h3 {
  font-size: 1.05rem;
  margin: 0 0 8px;
}

.lead {
  font-size: 1.1rem;
  color: var(--ink);
  max-width: 38rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.btn {
  display: inline-block;
  background: var(--blue);
  color: #fff;
  font-weight: 700;
  padding: 12px 18px;
  border-radius: 999px;
  text-decoration: none;
}

.btn:hover {
  text-decoration: none;
  filter: brightness(1.05);
}

.btn.ghost {
  background: transparent;
  color: var(--blue);
  border: 1.5px solid var(--blue);
}

.block.alt {
  background: var(--soft);
  max-width: none;
  padding-left: max(20px, calc((100% - 880px) / 2 + 20px));
  padding-right: max(20px, calc((100% - 880px) / 2 + 20px));
}

.steps {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 14px;
}

.steps li {
  background: var(--soft);
  border-radius: 14px;
  padding: 16px 18px;
  display: grid;
  gap: 4px;
}

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

.note {
  margin-top: 18px;
  color: var(--muted);
  font-size: 0.95rem;
}

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
}

.cards article {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 18px;
}

.cards p,
.plain {
  color: var(--muted);
  margin: 0;
}

.plain {
  padding-left: 1.1rem;
}

.plain li {
  margin-bottom: 8px;
}

.cta {
  text-align: center;
}

.cta p {
  color: var(--muted);
}

.policy h2 {
  margin-top: 32px;
}

.policy h3 {
  margin-top: 18px;
  color: var(--ink);
}

.policy ul {
  color: var(--ink);
}

.back {
  margin-top: 36px;
}

.foot {
  border-top: 1px solid var(--line);
  padding: 24px 20px 40px;
  text-align: center;
  color: var(--muted);
  font-size: 14px;
}

.foot p {
  margin: 6px 0;
}

@media (max-width: 640px) {
  .top {
    flex-direction: column;
    align-items: flex-start;
  }
}