:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --text: #112033;
  --muted: #59677d;
  --primary: #1456d8;
  --primary-strong: #0d3e9a;
  --border: #d8e0eb;
  --accent: #eaf2ff;
  --success: #116846;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background:
    radial-gradient(1200px 500px at 15% 0%, #e7efff 0%, transparent 55%),
    linear-gradient(180deg, #f8fafc 0%, #eef3f9 100%);
}
a { color: inherit; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 24px; }
.topbar {
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  position: sticky; top: 0; z-index: 10;
  padding: 16px 0 12px;
  backdrop-filter: blur(10px);
}
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; letter-spacing: 0; }
.brand-mark {
  width: 42px; height: 42px; border-radius: 14px;
  background: linear-gradient(145deg, var(--primary), #49a2ff);
  display: grid; place-items: center; color: white; font-weight: 800;
}
.nav { display: flex; gap: 16px; flex-wrap: wrap; font-size: 14px; color: var(--muted); }
.nav a { text-decoration: none; }
.hero {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 28px;
  align-items: center; padding: 56px 0 28px;
}
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 9px 14px; border: 1px solid rgba(20, 86, 216, .12);
  background: rgba(255, 255, 255, .8); border-radius: 999px; color: var(--primary-strong);
  font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
}
h1 { font-size: clamp(40px, 5vw, 68px); line-height: .98; margin: 16px 0 18px; letter-spacing: 0; }
.lede { font-size: 18px; line-height: 1.7; color: var(--muted); max-width: 62ch; }
.grid-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin-top: 24px; }
.stat {
  background: rgba(255,255,255,.9); border: 1px solid rgba(216,224,235,.9); border-radius: 18px;
  padding: 16px; box-shadow: 0 16px 40px rgba(12, 25, 45, .05);
}
.stat strong { display: block; font-size: 26px; color: var(--text); }
.stat span { display: block; margin-top: 4px; color: var(--muted); font-size: 13px; line-height: 1.5; }
.panel {
  background: rgba(255,255,255,.95); border: 1px solid var(--border); border-radius: 22px;
  box-shadow: 0 28px 80px rgba(12,25,45,.12); overflow: hidden;
}
.panel-header { padding: 18px 20px; border-bottom: 1px solid rgba(216,224,235,.85); background: #fcfdff; }
.panel-header h2, .section h2 { margin: 0; letter-spacing: 0; }
.panel-body { padding: 20px; }
.wave {
  height: 190px; border-radius: 18px; border: 1px solid var(--border); background: linear-gradient(180deg, #f9fbff 0%, #eff5ff 100%);
  position: relative; overflow: hidden;
}
.wave svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.form {
  margin-top: 16px; display: grid; gap: 12px;
}
.row { display: grid; grid-template-columns: 1.1fr .9fr auto; gap: 10px; }
input, select, button {
  font: inherit; border-radius: 14px; border: 1px solid var(--border); min-height: 48px;
}
input, select {
  background: white; padding: 0 14px; color: var(--text);
}
button {
  background: var(--primary); color: white; border-color: transparent; padding: 0 18px; font-weight: 700; cursor: pointer;
}
button:hover { background: var(--primary-strong); }
.fineprint { color: var(--muted); font-size: 12px; line-height: 1.55; }
.message { margin: 0; color: var(--success); font-size: 14px; }
.section {
  margin-top: 18px; padding: 22px; background: rgba(255,255,255,.88); border: 1px solid rgba(216,224,235,.9); border-radius: 20px;
}
.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.card {
  padding: 18px; border-radius: 18px; border: 1px solid var(--border); background: white;
}
.card p { margin: 8px 0 0; color: var(--muted); line-height: 1.6; font-size: 14px; }
.footer {
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
  padding: 24px 0 42px; color: var(--muted); font-size: 14px;
}
.footer a { text-decoration: none; }
.legal {
  max-width: 860px; margin: 0 auto; padding: 56px 24px 48px;
}
.legal h1 { font-size: clamp(36px, 4vw, 52px); margin-bottom: 14px; }
.legal p { color: var(--muted); line-height: 1.7; font-size: 17px; }
.legal .back { display: inline-block; margin-bottom: 18px; color: var(--primary); text-decoration: none; font-weight: 700; }

@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; padding-top: 28px; }
  .grid-stats, .cards, .row { grid-template-columns: 1fr; }
  .topbar { position: static; }
}