/* ===================== VARIABLES ===================== */
:root {
  --navy: #10233f;
  --navy-dark: #0a1830;
  --orange: #ff6a3d;
  --orange-dark: #e6572c;
  --logo-yellow: #f5a623;
  --green: #1f9d5a;
  --cream: #fff8f2;
  --gray-50: #f7f8fa;
  --gray-100: #eef0f3;
  --gray-300: #cfd5dd;
  --gray-500: #6b7684;
  --gray-700: #3a4250;
  --text: #16202e;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(16, 35, 63, 0.12);
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-head: 'Lexend', 'Inter', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: #fff;
  line-height: 1.55;
  padding-bottom: 0;
}

img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-narrow { max-width: 780px; }

h1, h2, h3 { font-family: var(--font-head); font-weight: 700; line-height: 1.15; color: var(--navy); }

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1rem;
  padding: 14px 26px;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 8px 20px rgba(255, 106, 61, 0.35);
}
.btn-primary:hover { background: var(--orange-dark); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--gray-300);
}
.btn-ghost:hover { border-color: var(--navy); }
.btn-sm { padding: 10px 18px; font-size: 0.9rem; }
.btn-lg { padding: 18px 40px; font-size: 1.15rem; }
.btn-block { width: 100%; }

/* ===================== HEADER ===================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--gray-100);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}
.logo {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--navy);
  text-decoration: none;
}
.logo span { color: var(--orange); }
.logo-light { color: #fff; }
.logo-light span { color: var(--orange); }
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: var(--gray-700);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
}
.header-nav a:hover { color: var(--orange); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
  font-size: 0.95rem;
}
.header-phone svg { color: var(--orange); }

/* ===================== HERO ===================== */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 56px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -120px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,106,61,0.25), transparent 70%);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.eyebrow {
  color: var(--orange);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.8rem;
  margin-bottom: 14px;
}
.hero h1 {
  color: #fff;
  font-size: clamp(2rem, 4vw, 2.9rem);
  margin-bottom: 18px;
}
.hero h1 .highlight { color: var(--orange); }
.hero-sub {
  color: #cfd8e6;
  font-size: 1.1rem;
  margin-bottom: 22px;
  max-width: 520px;
}
.hero-bullets {
  list-style: none;
  display: grid;
  gap: 10px;
  margin-bottom: 32px;
}
.hero-bullets li {
  color: #e8edf5;
  font-weight: 500;
  padding-left: 28px;
  position: relative;
}
.hero-bullets li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 800;
  background: rgba(31,157,90,0.15);
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  top: 1px;
}
.hero-trust {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-item { display: flex; flex-direction: column; }
.trust-item strong { color: #fff; font-family: var(--font-head); font-size: 1.5rem; }
.trust-item span { color: #9fb0c7; font-size: 0.85rem; }

/* ===================== FORM CARD ===================== */
.hero-form-wrap {
  background: #fff;
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 28px;
  position: sticky;
  top: 90px;
}
.form-progress { margin-bottom: 18px; }
.progress-track {
  height: 6px;
  background: var(--gray-100);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 8px;
}
.progress-fill {
  height: 100%;
  width: 33.3%;
  background: var(--orange);
  border-radius: 999px;
  transition: width 0.3s ease;
}
.progress-label { font-size: 0.8rem; color: var(--gray-500); font-weight: 600; }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

.form-step h2 { font-size: 1.35rem; margin-bottom: 4px; }
.form-sub { color: var(--gray-500); font-size: 0.92rem; margin-bottom: 18px; }

.field { margin-bottom: 16px; }
.field label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--gray-700); margin-bottom: 6px; }
.field input, .field select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-300);
  border-radius: 8px;
  font-size: 0.98rem;
  font-family: var(--font-body);
  color: var(--text);
  background: #fff;
  transition: border-color 0.15s ease;
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--orange);
}
.field input:invalid.touched, .field select:invalid.touched { border-color: #e0473f; }
.field-row { display: flex; gap: 12px; }
.field-row .field { flex: 1; }
.field-sm { flex: 0.6; }
.checkbox-field label { display: flex; gap: 8px; font-weight: 400; font-size: 0.82rem; color: var(--gray-500); align-items: flex-start; }
.checkbox-field input { width: auto; margin-top: 3px; }

.step-actions { display: flex; gap: 12px; margin-top: 6px; }
.step-actions .btn { flex: 1; }
.form-disclaimer { text-align: center; font-size: 0.78rem; color: var(--gray-500); margin-top: 12px; }
.form-error { color: #e0473f; font-size: 0.85rem; margin-top: 10px; text-align: center; }

.form-success { text-align: center; padding-top: 6px; }
.success-icon {
  width: 56px; height: 56px;
  background: rgba(31,157,90,0.12);
  color: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin: 0 auto 16px;
}
.form-success .form-sub { margin-bottom: 18px; }

/* ===================== SECTIONS ===================== */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); text-align: center; margin-bottom: 10px; }
.section-sub { text-align: center; color: var(--gray-500); max-width: 560px; margin: 0 auto 48px; }

.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step-card {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
}
.step-number {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--orange);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  margin: 0 auto 16px;
}
.step-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step-card p { color: var(--gray-500); font-size: 0.95rem; }

/* comparison table */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
.compare-table { width: 100%; border-collapse: collapse; background: #fff; min-width: 560px; }
.compare-table th, .compare-table td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--gray-100); font-size: 0.95rem; }
.compare-table thead th { font-family: var(--font-head); color: var(--navy); background: var(--gray-50); font-size: 1rem; }
.compare-table td:first-child { font-weight: 600; color: var(--gray-700); }
.highlight-col { background: rgba(255,106,61,0.06); color: var(--navy); font-weight: 600; }
.compare-table thead .highlight-col { background: var(--navy); color: #fff; }

/* situations */
.situations-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.situation-card {
  padding: 26px;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid var(--gray-100);
  border-left: 4px solid var(--orange);
}
.situation-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.situation-card p { color: var(--gray-500); font-size: 0.92rem; }

/* testimonials */
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}
.stars { color: var(--orange); letter-spacing: 2px; margin-bottom: 12px; }
.testimonial-card p { color: var(--gray-700); font-size: 0.95rem; margin-bottom: 18px; }
.testimonial-author { display: flex; align-items: center; gap: 10px; }
.avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-family: var(--font-head);
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 0.9rem; }
.testimonial-author small { color: var(--gray-500); font-size: 0.8rem; }
.testimonial-note { text-align: center; color: var(--gray-500); font-size: 0.78rem; margin-top: 28px; font-style: italic; }

/* FAQ accordion */
.accordion-item { border-bottom: 1px solid var(--gray-100); }
.accordion-trigger {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 20px 4px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}
.accordion-trigger span { color: var(--orange); font-size: 1.4rem; transition: transform 0.2s ease; }
.accordion-item.open .accordion-trigger span { transform: rotate(45deg); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.accordion-panel p { padding: 0 4px 20px; color: var(--gray-500); font-size: 0.95rem; }
.faq-more { text-align: center; margin-top: 24px; }
.faq-more a { color: var(--orange); font-weight: 600; text-decoration: none; }
.faq-more a:hover { text-decoration: underline; }

/* ===================== FAQ PAGE ===================== */
.page-hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 64px 0 48px;
  text-align: center;
}
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.6rem); margin-bottom: 12px; }
.page-hero p { color: #cfd8e6; font-size: 1.05rem; max-width: 560px; margin: 0 auto; }

.faq-category-nav {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 14px;
  margin-top: -34px;
  margin-bottom: 24px;
  position: relative;
  z-index: 2;
}
.faq-category-nav a {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px 12px;
  text-align: center;
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.85rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.faq-category-nav a:hover { transform: translateY(-3px); box-shadow: 0 14px 34px rgba(16,35,63,0.18); }
.faq-category-nav .cat-icon { font-size: 1.5rem; }

.faq-category-section { padding: 44px 0; scroll-margin-top: 90px; }
.faq-category-section:not(:last-child) { border-bottom: 1px solid var(--gray-100); }
.faq-category-title {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.4rem;
  margin-bottom: 20px;
}
.faq-category-title .cat-icon {
  width: 40px; height: 40px;
  background: rgba(255,106,61,0.12);
  color: var(--orange);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

/* ===================== POLICY PAGE ===================== */
.policy-updated { text-align: center; color: var(--gray-500); font-size: 0.85rem; margin: -8px 0 40px; }
.policy-content { padding: 8px 0 20px; }
.policy-content h2 { font-size: 1.3rem; margin: 40px 0 12px; }
.policy-content h2:first-child { margin-top: 0; }
.policy-content p { color: var(--gray-700); font-size: 0.98rem; margin-bottom: 14px; }
.policy-content ul { color: var(--gray-700); font-size: 0.98rem; margin: 0 0 14px; padding-left: 22px; }
.policy-content li { margin-bottom: 6px; }
.policy-content a { color: var(--orange); }

/* final CTA */
.final-cta {
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-dark) 100%);
  padding: 70px 0;
  text-align: center;
}
.final-cta-inner h2 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.1rem); margin-bottom: 10px; }
.final-cta-inner p { color: rgba(255,255,255,0.9); margin-bottom: 26px; }
.final-cta .btn-primary { background: #fff; color: var(--orange-dark); box-shadow: 0 8px 20px rgba(0,0,0,0.15); }
.final-cta .btn-primary:hover { background: #fff5f0; }
.final-cta-phone { margin-top: 18px; color: #fff; }
.final-cta-phone a { color: #fff; font-weight: 700; text-decoration: underline; }

/* footer */
.site-footer { background: var(--navy-dark); color: #cfd8e6; padding: 48px 0 20px; }
.footer-inner { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 24px; padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-tagline { margin-top: 10px; color: #9fb0c7; font-size: 0.9rem; max-width: 280px; }
.footer-contact a { color: #cfd8e6; text-decoration: none; display: block; margin-bottom: 8px; font-weight: 500; }
.footer-contact a:hover { color: var(--orange); }
.footer-bottom { padding-top: 20px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 0.78rem; color: #7d8ba3; }
.footer-disclaimer { max-width: 480px; }

/* sticky mobile call bar */
.sticky-call-bar { display: none; }

/* ===================== RESPONSIVE ===================== */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-form-wrap { position: static; }
  .steps-grid, .situations-grid, .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
  .faq-category-nav { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 760px) {
  .header-nav { display: none; }
}

@media (max-width: 640px) {
  .header-phone span { display: none; }
  .hero { padding: 32px 0 60px; }
  .section { padding: 56px 0; }
  .steps-grid, .situations-grid, .testimonial-grid { grid-template-columns: 1fr; }
  .faq-category-nav { grid-template-columns: repeat(2, 1fr); margin-top: -20px; }
  .footer-inner, .footer-bottom { flex-direction: column; }
  .field-row { flex-direction: column; }
  .field-sm { flex: 1; }
  body { padding-bottom: 78px; }
  .sticky-call-bar {
    display: block;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: #fff;
    padding: 12px 16px;
    box-shadow: 0 -6px 20px rgba(0,0,0,0.12);
    z-index: 60;
  }
}