*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif; background: #f5f5f3; color: #1a1a1a; line-height: 1.6; }
a { text-decoration: none; color: inherit; }

/* NAV */
nav { background: #fff; border-bottom: 1px solid #e5e5e5; padding: 14px 40px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 100; }
.nav-logo { font-size: 17px; font-weight: 700; color: #1a1a1a; }
.nav-logo span { color: #185FA5; }
.nav-links { display: flex; gap: 24px; font-size: 14px; }
.nav-links a { color: #555; transition: color .15s; }
.nav-links a:hover, .nav-links a.active { color: #185FA5; font-weight: 500; }
.nav-cta { background: #185FA5; color: #fff; border: none; padding: 9px 20px; border-radius: 8px; font-size: 14px; font-weight: 600; cursor: pointer; transition: background .15s; }
.nav-cta:hover { background: #0C447C; }

/* HERO */
.hero { background: #0C447C; padding: 80px 40px 72px; }
.hero-inner { max-width: 1020px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.hero-badge { display: inline-flex; align-items: center; background: rgba(255,255,255,0.13); color: #fff; font-size: 12px; padding: 5px 14px; border-radius: 20px; margin-bottom: 20px; letter-spacing: 0.5px; }
.hero h1 { font-size: 40px; font-weight: 700; color: #fff; line-height: 1.2; margin-bottom: 16px; }
.hero p { font-size: 16px; color: rgba(255,255,255,0.82); line-height: 1.7; max-width: 500px; margin-bottom: 32px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-white { background: #fff; color: #185FA5; border: none; padding: 13px 26px; border-radius: 8px; font-size: 15px; font-weight: 700; cursor: pointer; transition: background .15s; }
.btn-white:hover { background: #e8f0fb; }
.btn-ghost { background: rgba(255,255,255,0.12); color: #fff; border: 1.5px solid rgba(255,255,255,0.3); padding: 13px 26px; border-radius: 8px; font-size: 15px; cursor: pointer; transition: background .15s; }
.btn-ghost:hover { background: rgba(255,255,255,0.2); }
.split-circle-wrap { text-align: center; flex-shrink: 0; }
.split-circle { width: 140px; height: 140px; border-radius: 50%; border: 3px solid rgba(255,255,255,0.22); display: flex; flex-direction: column; align-items: center; justify-content: center; background: rgba(255,255,255,0.09); }
.split-big { font-size: 42px; font-weight: 700; color: #fff; line-height: 1; }
.split-label { font-size: 12px; color: rgba(255,255,255,0.65); margin-top: 4px; }
.split-sub { font-size: 12px; color: rgba(255,255,255,0.45); margin-top: 10px; }

/* PAGE HERO (inner pages) */
.page-hero { background: #0C447C; padding: 56px 40px 48px; }
.page-hero-inner { max-width: 1020px; margin: 0 auto; }
.page-hero h1 { font-size: 36px; font-weight: 700; color: #fff; margin-bottom: 12px; }
.page-hero p { font-size: 16px; color: rgba(255,255,255,0.8); max-width: 580px; line-height: 1.7; }

/* WRAP */
.wrap { max-width: 1020px; margin: 0 auto; padding: 0 40px; }

/* SECTION SPACING */
.section { padding: 40px 0; }
.section-sm { padding: 24px 0; }
.section-label { font-size: 11px; font-weight: 700; color: #888; letter-spacing: 1.2px; text-transform: uppercase; margin-bottom: 16px; }
.section h2 { font-size: 28px; font-weight: 700; margin-bottom: 12px; }
.section p.lead { font-size: 16px; color: #444; line-height: 1.75; margin-bottom: 24px; }

/* SPLIT BANNER */
.split-banner { background: #fff; border: 2px solid #185FA5; border-radius: 16px; padding: 28px 32px; display: flex; align-items: center; gap: 32px; }
.split-bars { flex: 1; display: flex; flex-direction: column; gap: 12px; }
.bar-row { display: flex; align-items: center; gap: 14px; }
.bar-lbl { font-size: 13px; width: 120px; flex-shrink: 0; font-weight: 600; }
.bar-lbl.muted { font-weight: 400; color: #666; }
.bar-track { flex: 1; height: 22px; background: #f0f0ee; border-radius: 20px; overflow: hidden; }
.bar-you { height: 100%; width: 60%; background: #185FA5; border-radius: 20px; display: flex; align-items: center; padding-left: 12px; font-size: 12px; font-weight: 700; color: #fff; }
.bar-us { height: 100%; width: 40%; background: #B5D4F4; border-radius: 20px; display: flex; align-items: center; padding-left: 12px; font-size: 12px; font-weight: 700; color: #0C447C; }
.split-copy { flex-shrink: 0; max-width: 240px; text-align: right; }
.split-copy p { font-size: 14px; font-weight: 700; margin-bottom: 6px; }
.split-copy span { font-size: 13px; color: #666; line-height: 1.6; }

/* STAT ROW */
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.stat-card { background: #fff; border-radius: 12px; padding: 20px; text-align: center; border: 1px solid #e8e8e5; }
.stat-num { font-size: 32px; font-weight: 700; color: #185FA5; margin-bottom: 6px; }
.stat-label { font-size: 13px; color: #666; }

/* TRUST */
.trust-bar { display: flex; gap: 14px; background: #f0f4f9; border-radius: 12px; padding: 18px 22px; align-items: flex-start; }
.trust-icon { width: 40px; height: 40px; background: #ddeaf8; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 18px; }
.trust-text p { font-size: 14px; font-weight: 700; margin-bottom: 4px; }
.trust-text span { font-size: 13px; color: #555; }

/* STEPS */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.steps-2col { grid-template-columns: repeat(2, 1fr); }
.step { background: #fff; border: 1px solid #e8e8e5; border-radius: 14px; padding: 20px 16px; }
.step.you { border-color: #185FA5; border-width: 2px; }
.step-badge { display: inline-block; font-size: 10px; font-weight: 700; padding: 3px 10px; border-radius: 10px; margin-bottom: 10px; }
.badge-you { background: #ddeaf8; color: #185FA5; }
.badge-us { background: #f0f0ee; color: #666; }
.step-num { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; margin-bottom: 12px; }
.num-you { background: #185FA5; color: #fff; }
.num-us { background: #e8f0fb; color: #185FA5; }
.step h3 { font-size: 14px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 13px; color: #555; line-height: 1.6; }

/* CARDS */
.cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.card { background: #fff; border: 1px solid #e8e8e5; border-radius: 14px; padding: 22px; }
.card-icon { font-size: 22px; margin-bottom: 12px; }
.card h3 { font-size: 15px; font-weight: 700; margin-bottom: 8px; }
.card p { font-size: 13px; color: #555; line-height: 1.7; }

/* DEAL TYPES */
.deal-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.deal-tag { background: #fff; border: 1px solid #e8e8e5; border-radius: 10px; padding: 16px; text-align: center; }
.dot { width: 9px; height: 9px; border-radius: 50%; background: #1D9E75; display: inline-block; margin-bottom: 10px; }
.deal-tag p { font-size: 13px; font-weight: 700; margin-bottom: 4px; }
.deal-tag span { font-size: 12px; color: #777; }

/* EXAMPLE */
.example-box { background: #f5f5f3; border-radius: 14px; padding: 24px 28px; }
.example-box h3 { font-size: 15px; font-weight: 700; margin-bottom: 16px; }
.ex-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid #e5e5e2; font-size: 14px; color: #555; }
.ex-row:last-child { border-bottom: none; font-weight: 700; font-size: 15px; color: #1a1a1a; padding-top: 14px; }
.highlight { color: #185FA5; font-weight: 700; }

/* FAQ */
.faq-item { background: #fff; border: 1px solid #e8e8e5; border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; padding: 18px 22px; font-size: 15px; font-weight: 600; background: #fff; border: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; color: #1a1a1a; }
.faq-q:hover { background: #fafafa; }
.faq-arrow { font-size: 18px; color: #185FA5; transition: transform .2s; font-weight: 400; }
.faq-arrow.open { transform: rotate(45deg); }
.faq-a { padding: 0 22px 18px; font-size: 14px; color: #444; line-height: 1.75; display: none; }
.faq-a.open { display: block; }

/* FORM */
.form-card { background: #fff; border: 1px solid #e8e8e5; border-radius: 16px; padding: 32px; }
.form-card h2 { font-size: 22px; font-weight: 700; margin-bottom: 8px; }
.form-card .sub { font-size: 14px; color: #666; margin-bottom: 24px; line-height: 1.6; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 12px; color: #555; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; }
input, select, textarea { font-size: 14px; border: 1.5px solid #ddd; border-radius: 8px; padding: 11px 14px; background: #fafafa; color: #1a1a1a; width: 100%; font-family: inherit; transition: border-color .15s; }
input:focus, select:focus, textarea:focus { outline: none; border-color: #185FA5; background: #fff; }
textarea { resize: vertical; min-height: 90px; }
.submit-btn { background: #185FA5; color: #fff; border: none; padding: 15px 28px; border-radius: 10px; font-size: 15px; font-weight: 700; cursor: pointer; width: 100%; margin-top: 8px; transition: background .15s; }
.submit-btn:hover { background: #0C447C; }
.submit-btn:disabled { background: #aaa; cursor: not-allowed; }
.success-msg { display: none; background: #eaf7ef; border: 1.5px solid #1D9E75; border-radius: 10px; padding: 18px 22px; text-align: center; margin-top: 16px; }
.success-msg p { font-size: 15px; font-weight: 700; color: #0F6E56; margin-bottom: 4px; }
.success-msg span { font-size: 13px; color: #3B6D11; }
.error-msg { display: none; background: #fef2f2; border: 1.5px solid #E24B4A; border-radius: 10px; padding: 14px 18px; margin-top: 12px; font-size: 13px; color: #A32D2D; }

/* TIMELINE (How it works) */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ''; position: absolute; left: 10px; top: 8px; bottom: 8px; width: 2px; background: #e5e5e5; }
.tl-item { position: relative; margin-bottom: 32px; }
.tl-dot { position: absolute; left: -32px; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: #185FA5; border: 3px solid #fff; box-shadow: 0 0 0 2px #185FA5; }
.tl-dot.us { background: #B5D4F4; box-shadow: 0 0 0 2px #185FA5; }
.tl-badge { display: inline-block; font-size: 10px; font-weight: 700; padding: 2px 10px; border-radius: 10px; margin-bottom: 6px; }
.tl-item h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.tl-item p { font-size: 14px; color: #555; line-height: 1.7; }

/* ABOUT */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.about-text h2 { font-size: 30px; font-weight: 700; margin-bottom: 16px; }
.about-text p { font-size: 15px; color: #444; line-height: 1.8; margin-bottom: 16px; }
.values-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.value-card { background: #fff; border: 1px solid #e8e8e5; border-radius: 12px; padding: 16px 18px; }
.value-card h4 { font-size: 14px; font-weight: 700; margin-bottom: 4px; }
.value-card p { font-size: 13px; color: #555; line-height: 1.6; }

/* FOOTER */
footer { background: #1a1a1a; color: #aaa; padding: 32px 40px; }
.footer-inner { max-width: 1020px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; }
.footer-logo { font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 4px; }
.footer-sub { font-size: 13px; color: #888; }
.footer-links { display: flex; gap: 0; }
.footer-links a { color: #6aabf7; margin-left: 20px; font-size: 13px; }

/* RESPONSIVE */
@media (max-width: 768px) {
  nav { padding: 14px 20px; }
  .nav-links { display: none; }
  .hero { padding: 48px 20px 44px; }
  .hero-inner { flex-direction: column; }
  .hero h1 { font-size: 28px; }
  .page-hero { padding: 40px 20px; }
  .page-hero h1 { font-size: 26px; }
  .wrap { padding: 0 20px; }
  .stat-row, .steps, .cards, .deal-grid, .form-row, .about-grid, .values-grid { grid-template-columns: 1fr; }
  .steps-2col { grid-template-columns: 1fr; }
  .split-banner { flex-direction: column; }
  .split-copy { text-align: left; max-width: 100%; }
  .footer-inner { flex-direction: column; gap: 16px; text-align: center; }
  .footer-links a { margin-left: 10px; }
}