:root {
  --colour-navy: #0b1f3a;
  --colour-navy-soft: #12345a;
  --colour-blue: #1f7ae0;
  --colour-green: #20a77a;
  --colour-light: #f5f8fb;
  --colour-border: #d8e0ea;
  --colour-text: #1e293b;
  --colour-muted: #607089;
  --colour-white: #ffffff;
  --shadow-soft: 0 16px 40px rgba(11, 31, 58, 0.10);
  --radius-large: 22px;
  --radius-medium: 14px;
  --max-width: 1160px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behaviour: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--colour-text);
  background: var(--colour-white);
  line-height: 1.6;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--colour-border);
  backdrop-filter: blur(10px);
}

.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 16px 22px;
  display: flex;
  align-items: centre;
  justify-content: space-between;
  gap: 22px;
}

.brand {
  text-decoration: none;
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-name {
  font-weight: 800;
  color: var(--colour-navy);
  letter-spacing: -0.03em;
  font-size: 1.15rem;
}

.brand-tagline {
  color: var(--colour-muted);
  font-size: 0.82rem;
}

.nav-links {
  display: flex;
  align-items: centre;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 0.94rem;
}

.nav-links a {
  text-decoration: none;
  color: var(--colour-navy);
  font-weight: 600;
}

.nav-links a:hover {
  color: var(--colour-blue);
}

.header-actions {
  display: flex;
  align-items: centre;
  gap: 10px;
}

.btn {
  display: inline-flex;
  align-items: centre;
  justify-content: centre;
  min-height: 44px;
  padding: 11px 18px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}

.btn-primary {
  background: var(--colour-blue);
  color: var(--colour-white);
}

.btn-primary:hover {
  background: #1764bd;
}

.btn-secondary {
  background: var(--colour-white);
  color: var(--colour-navy);
  border-color: var(--colour-border);
}

.btn-secondary:hover {
  border-color: var(--colour-blue);
  color: var(--colour-blue);
}

.btn-dark {
  background: var(--colour-navy);
  color: var(--colour-white);
}

main {
  min-height: 60vh;
}

.section {
  padding: 72px 22px;
}

.section-light {
  background: var(--colour-light);
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
}

.hero {
  background: linear-gradient(135deg, #f8fbff 0%, #eef6ff 55%, #ffffff 100%);
  padding: 86px 22px;
}

.hero-grid {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
  gap: 36px;
  align-items: centre;
}

.eyebrow {
  color: var(--colour-blue);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 0.78rem;
  margin-bottom: 14px;
}

h1 {
  color: var(--colour-navy);
  font-size: clamp(2.15rem, 5vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
  margin: 0 0 20px;
}

h2 {
  color: var(--colour-navy);
  font-size: clamp(1.7rem, 3vw, 2.55rem);
  line-height: 1.12;
  letter-spacing: -0.035em;
  margin: 0 0 14px;
}

h3 {
  color: var(--colour-navy);
  margin: 0 0 8px;
}

.lead {
  font-size: 1.14rem;
  color: var(--colour-muted);
  max-width: 720px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.hero-card {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius-large);
  padding: 28px;
  box-shadow: var(--shadow-soft);
}

.hero-card strong {
  color: var(--colour-navy);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
}

.trust-item {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius-medium);
  padding: 16px;
  text-align: centre;
  font-weight: 800;
  color: var(--colour-navy);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 28px;
}

.card {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius-large);
  padding: 24px;
  box-shadow: 0 10px 24px rgba(11, 31, 58, 0.06);
}

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

.card a {
  color: var(--colour-blue);
  font-weight: 800;
  text-decoration: none;
}

.split-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}

.step-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  counter-reset: steps;
  margin-top: 26px;
}

.step {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius-medium);
  padding: 20px;
  position: relative;
}

.step::before {
  counter-increment: steps;
  content: counter(steps);
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--colour-blue);
  color: white;
  display: inline-flex;
  align-items: centre;
  justify-content: centre;
  font-weight: 900;
  margin-bottom: 14px;
}

.cta-banner {
  background: var(--colour-navy);
  color: var(--colour-white);
  border-radius: var(--radius-large);
  padding: 34px;
  display: flex;
  align-items: centre;
  justify-content: space-between;
  gap: 24px;
}

.cta-banner h2 {
  color: var(--colour-white);
}

.cta-banner p {
  color: #dce8f5;
}

.page-intro {
  max-width: 820px;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
}

.check-list li {
  padding: 9px 0 9px 32px;
  position: relative;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--colour-green);
  font-weight: 900;
}

.faq-item {
  background: var(--colour-white);
  border: 1px solid var(--colour-border);
  border-radius: var(--radius-medium);
  padding: 18px 20px;
  margin-bottom: 12px;
}

.site-footer {
  background: var(--colour-navy);
  color: var(--colour-white);
  padding: 48px 22px 26px;
}

.footer-grid {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr;
  gap: 28px;
}

.site-footer a {
  color: #dce8f5;
  text-decoration: none;
}

.footer-links {
  display: grid;
  gap: 8px;
}

.footer-bottom {
  max-width: var(--max-width);
  margin: 30px auto 0;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,0.16);
  color: #c4d3e5;
  font-size: 0.9rem;
}

.mobile-sticky {
  display: none;
}

.notice {
  background: #fff8e6;
  border: 1px solid #f0d083;
  padding: 14px 16px;
  border-radius: var(--radius-medium);
  color: #5b4212;
}