:root {
  --bg: #f7f8fb;
  --surface: #ffffff;
  --surface-alt: #f1f4f8;
  --surface-dark: #0d2f57;
  --surface-dark-2: #163f70;
  --text: #2b2b2b;
  --muted: #5f6b7a;
  --heading: #0d2f57;
  --line: #dbe3ec;
  --accent: #c39a4a;
  --accent-soft: #eaf0f6;
  --success: #e8f5ed;
  --shadow: 0 18px 40px rgba(13, 47, 87, 0.08);
  --radius: 24px;
  --radius-sm: 16px;
  --container: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #ffffff 0%, var(--bg) 100%);
  line-height: 1.7;
}
img { max-width: 100%; display: block; }
a { color: var(--heading); }
a:hover { color: var(--surface-dark-2); }
input, textarea, button, select { font: inherit; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
}
.skip-link:focus {
  left: 1rem;
  top: 1rem;
  background: var(--surface-dark);
  color: #fff;
  padding: 0.75rem 1rem;
  border-radius: 0.75rem;
  z-index: 1000;
}

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(13, 47, 87, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.85rem;
  color: var(--heading);
  text-decoration: none;
  font-weight: 700;
  letter-spacing: 0.01em;
  min-width: 0;
}

.brand img {
  width: auto;
  height: 56px;
  max-width: 160px;
  object-fit: contain;
}

.brand__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand__text small {
  font-size: 0.78rem;
  color: var(--muted);
  font-weight: 600;
}

.main-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.45rem;
}

.main-nav a {
  text-decoration: none;
  color: var(--muted);
  font-weight: 700;
  padding: 0.7rem 0.95rem;
  border-radius: 999px;
  transition: 0.2s ease;
}

.main-nav a:hover,
.main-nav a:focus-visible,
.main-nav a.is-active {
  color: var(--heading);
  background: var(--accent-soft);
}

.header-cta {
  flex-shrink: 0;
}

.mobile-page-nav {
  display: none;
  position: relative;
  min-width: 0;
  width: 100%;
}

.mobile-page-nav summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.85rem;
  width: 100%;
  padding: 0.9rem 1.05rem;
  background: #fff;
  border: 1px solid rgba(13, 47, 87, 0.12);
  border-radius: 999px;
  box-shadow: 0 14px 28px rgba(13, 47, 87, 0.08);
  cursor: pointer;
}

.mobile-page-nav summary::-webkit-details-marker {
  display: none;
}

.mobile-page-nav summary:focus-visible {
  outline: 2px solid rgba(195, 154, 74, 0.28);
  outline-offset: 3px;
}

.mobile-page-nav__current {
  min-width: 0;
  overflow: hidden;
  white-space: nowrap;
  text-overflow: ellipsis;
  color: var(--heading);
  font-weight: 800;
  font-size: 1rem;
  line-height: 1.2;
}

.mobile-page-nav__chevron {
  width: 0.8rem;
  height: 0.8rem;
  border-right: 2px solid var(--heading);
  border-bottom: 2px solid var(--heading);
  transform: rotate(45deg);
  transition: transform 0.2s ease;
  flex-shrink: 0;
  margin-right: 0.2rem;
}

.mobile-page-nav[open] .mobile-page-nav__chevron {
  transform: rotate(-135deg);
  margin-top: 0.35rem;
}

.mobile-page-nav__panel {
  position: absolute;
  top: calc(100% + 0.55rem);
  left: 0;
  right: 0;
  display: grid;
  gap: 0.25rem;
  padding: 0.5rem;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(13, 47, 87, 0.12);
  border-radius: 1.2rem;
  box-shadow: 0 24px 48px rgba(13, 47, 87, 0.16);
  backdrop-filter: blur(12px);
}

.mobile-page-nav__panel a {
  display: block;
  padding: 0.85rem 1rem;
  border-radius: 0.9rem;
  text-decoration: none;
  color: var(--muted);
  font-weight: 700;
  line-height: 1.2;
}

.mobile-page-nav__panel a:hover,
.mobile-page-nav__panel a:focus-visible,
.mobile-page-nav__panel a.is-active {
  background: var(--accent-soft);
  color: var(--heading);
}

main {
  display: block;
}

.section {
  padding: 4.5rem 0;
}

.section--tight {
  padding: 2rem 0;
}

.section--dark {
  color: #fff;
}

.surface,
.hero,
.panel,
.card,
.notice,
.contact-card,
.service-card,
.step-card {
  background: var(--surface);
  border: 1px solid rgba(13, 47, 87, 0.08);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero {
  padding: clamp(2rem, 3.5vw, 4rem);
  background: linear-gradient(135deg, #f4f4f4 0%, #ffffff 60%, #eef4fa 100%);
}

.hero--dark {
  background: linear-gradient(135deg, #0d2f57 0%, #1c467a 100%);
  color: #fff;
}

.hero--dark .eyebrow,
.hero--dark h1,
.hero--dark h2,
.hero--dark h3,
.hero--dark p,
.hero--dark .lead {
  color: #fff;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.2fr 0.9fr;
  gap: 2rem;
  align-items: center;
}

.hero__media img,
.hero__media svg {
  width: 100%;
  border-radius: calc(var(--radius) - 2px);
  box-shadow: 0 20px 40px rgba(13, 47, 87, 0.12);
}

.hero__logo {
  width: min(280px, 100%);
  margin-bottom: 1.5rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--accent-soft);
  color: var(--heading);
  border-radius: 999px;
  padding: 0.5rem 0.9rem;
  font-weight: 700;
  font-size: 0.92rem;
  margin-bottom: 1rem;
}

.hero h1,
.section h1,
.section h2,
.section h3,
.panel h2,
.card h3,
.service-card h2,
.step-card h3,
.page-title {
  color: var(--heading);
  line-height: 1.15;
  margin-top: 0;
}

.hero h1,
.page-title {
  font-size: clamp(2.3rem, 5vw, 3.4rem);
  margin-bottom: 1rem;
}

.section h2 {
  font-size: clamp(1.9rem, 3vw, 2.4rem);
  margin-bottom: 1rem;
}

.section h3,
.card h3,
.service-card h2,
.step-card h3 {
  font-size: clamp(1.25rem, 2.4vw, 1.7rem);
}

.lead {
  font-size: clamp(1.08rem, 2.2vw, 1.3rem);
  color: var(--muted);
  max-width: 52rem;
}

.section-intro {
  max-width: 62rem;
  margin-bottom: 1.75rem;
}

.grid {
  display: grid;
  gap: 1.25rem;
}

.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.grid--auto { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid--steps { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.grid--wide { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }

.card,
.service-card,
.step-card,
.contact-card,
.notice {
  padding: 1.6rem;
}

.card p:last-child,
.service-card p:last-child,
.step-card p:last-child,
.contact-card p:last-child {
  margin-bottom: 0;
}

.card--feature {
  border-left: 5px solid var(--accent);
  background: linear-gradient(180deg, #ffffff 0%, #fbfcfd 100%);
}

.card--dark {
  background: var(--surface-dark);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.08);
}

.card--dark h3,
.card--dark h2,
.card--dark a,
.card--dark p {
  color: #fff;
}

.card--accent {
  background: linear-gradient(180deg, #fff7ea 0%, #ffffff 100%);
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1.5rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.95rem 1.3rem;
  border-radius: 0.85rem;
  font-weight: 700;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn:hover,
.btn:focus-visible {
  transform: translateY(-1px);
  box-shadow: 0 12px 24px rgba(13, 47, 87, 0.12);
}

.btn--primary {
  background: var(--surface-dark);
  color: #fff;
}

.btn--secondary {
  background: var(--accent);
  color: var(--heading);
}

.btn--ghost {
  border-color: rgba(13, 47, 87, 0.15);
  background: #fff;
  color: var(--heading);
}

.list-clean {
  list-style: none;
  padding: 0;
  margin: 0;
}

.list-clean li + li { margin-top: 0.8rem; }

.check-list {
  display: grid;
  gap: 0.9rem;
  padding-left: 0;
  list-style: none;
}

.check-list li {
  padding-left: 1.7rem;
  position: relative;
}

.check-list li::before {
  content: '•';
  color: var(--accent);
  font-size: 1.4rem;
  line-height: 1;
  position: absolute;
  left: 0;
  top: 0.05rem;
}

.service-card {
  display: grid;
  gap: 0.7rem;
}

.service-card__label {
  color: var(--muted);
  font-size: 1rem;
}

.service-card__meta {
  padding-top: 0.2rem;
  color: var(--muted);
}

.anchor-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin: 1.5rem 0 2rem;
}

.anchor-links a {
  text-decoration: none;
  font-weight: 700;
  background: #fff;
  border: 1px solid rgba(13, 47, 87, 0.12);
  padding: 0.75rem 1rem;
  border-radius: 999px;
}

.cta-panel {
  padding: clamp(2rem, 3vw, 3rem);
  border-radius: var(--radius);
  background: linear-gradient(135deg, #0d2f57 0%, #1a4678 100%);
  color: #fff;
  box-shadow: var(--shadow);
}

.cta-panel h2,
.cta-panel p,
.cta-panel a {
  color: #fff;
}

.cta-panel .btn--secondary {
  color: var(--heading);
}

.site-footer {
  padding: 3rem 0 2.2rem;
  background: #0a2544;
  color: rgba(255, 255, 255, 0.88);
  margin-top: 4rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.9fr 0.9fr;
  gap: 2rem;
}

.site-footer a {
  color: #fff;
  text-decoration: none;
}

.site-footer a:hover {
  text-decoration: underline;
}

.footer-links {
  display: grid;
  gap: 0.6rem;
}

.meta-note {
  color: var(--muted);
  font-size: 0.96rem;
}

.steps-index {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--heading);
  font-weight: 800;
  margin-bottom: 1rem;
}

.faq-list {
  display: grid;
  gap: 1rem;
}

.faq-item {
  background: #fff;
  border: 1px solid rgba(13, 47, 87, 0.08);
  border-radius: var(--radius-sm);
  padding: 1.1rem 1.2rem;
}

.faq-item h3 {
  margin-bottom: 0.4rem;
}

.contact-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 1.5rem;
}

.contact-form {
  display: grid;
  gap: 1rem;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.field {
  display: grid;
  gap: 0.45rem;
}

.field label {
  font-weight: 700;
  color: var(--heading);
}

.field input,
.field textarea,
.field select {
  width: 100%;
  padding: 0.95rem 1rem;
  border: 1px solid rgba(13, 47, 87, 0.16);
  border-radius: 0.85rem;
  background: #fff;
}

.field input:focus,
.field textarea:focus,
.field select:focus {
  outline: 2px solid rgba(195, 154, 74, 0.22);
  border-color: var(--accent);
}

.field textarea {
  min-height: 170px;
  resize: vertical;
}

.notice {
  background: #fff9ef;
  border-color: rgba(195, 154, 74, 0.24);
}

.table-like {
  display: grid;
  gap: 0.75rem;
}

.table-like div {
  padding: 0.95rem 1rem;
  border-radius: 0.9rem;
  background: rgba(255, 255, 255, 0.65);
  border: 1px solid rgba(13, 47, 87, 0.08);
}

.legal-copy {
  max-width: 75ch;
}

.legal-copy h2 {
  margin-top: 2rem;
}

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

.badge-grid div {
  background: #fff;
  border: 1px solid rgba(13, 47, 87, 0.08);
  border-radius: var(--radius-sm);
  padding: 1.15rem 1.2rem;
}

@media (max-width: 1100px) {
  .header-inner {
    display: grid;
    grid-template-columns: auto minmax(0, 1fr);
    align-items: center;
    gap: 0.85rem;
    padding: 0.75rem 0;
  }

  .brand {
    gap: 0;
  }

  .brand img {
    height: 38px;
    max-width: 120px;
  }

  .brand__text,
  .main-nav,
  .header-cta {
    display: none;
  }

  .mobile-page-nav {
    display: block;
  }

  .footer-grid,
  .hero__grid,
  .contact-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .section { padding: 3.5rem 0; }
  .hero { padding: 1.6rem; }
  .form-grid,
  .grid--2,
  .grid--3,
  .grid--4 { grid-template-columns: 1fr; }
  .header-inner {
    gap: 0.65rem;
    padding: 0.65rem 0;
  }
  .brand img {
    height: 34px;
    max-width: 105px;
  }
  .mobile-page-nav summary {
    min-height: 44px;
    padding: 0.8rem 0.95rem;
  }
  .mobile-page-nav__current {
    font-size: 0.95rem;
  }
  .btn { width: 100%; }
  .button-row { display: grid; }
}
.mt-lg { margin-top: 1.5rem; }
.is-hidden { display: none; }


/* visible mobile page switcher */
.mobile-page-nav {
  display: none;
  position: relative;
  min-width: 0;
  width: 100%;
}

.mobile-page-nav__label {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.mobile-page-nav__select-wrap {
  position: relative;
  width: 100%;
}

.mobile-page-nav__select-wrap::after {
  content: '';
  position: absolute;
  right: 1rem;
  top: 50%;
  width: 0.7rem;
  height: 0.7rem;
  border-right: 2px solid var(--heading);
  border-bottom: 2px solid var(--heading);
  transform: translateY(-65%) rotate(45deg);
  pointer-events: none;
}

.mobile-page-nav__select {
  -webkit-appearance: none;
  appearance: none;
  display: block;
  width: 100%;
  min-height: 46px;
  padding: 0.85rem 2.75rem 0.85rem 1rem;
  background: #fff;
  border: 1px solid rgba(13, 47, 87, 0.14);
  border-radius: 999px;
  box-shadow: 0 10px 24px rgba(13, 47, 87, 0.08);
  color: var(--heading);
  font-weight: 800;
  font-size: 0.98rem;
  line-height: 1.2;
}

.mobile-page-nav__select:focus {
  outline: 2px solid rgba(195, 154, 74, 0.28);
  outline-offset: 2px;
  border-color: var(--accent);
}

@media (max-width: 1100px) {
  .mobile-page-nav {
    display: block;
  }
}

@media (max-width: 760px) {
  .mobile-page-nav__select {
    min-height: 44px;
    padding: 0.8rem 2.6rem 0.8rem 0.95rem;
    font-size: 0.95rem;
  }
}