:root {
  --blue: #0094f9;
  --blue-dark: #0030da;
  --ink: #12213a;
  --muted: #66748a;
  --line: #d9e3ee;
  --soft: #eef6ff;
  --mint: #27d990;
  --amber: #f6c945;
  --white: #ffffff;
  --shadow: 0 22px 55px rgba(13, 32, 64, .14);
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: #f7fbff;
  line-height: 1.55;
}

a { color: inherit; text-decoration: none; }

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  gap: 28px;
  min-height: 74px;
  padding: 0 clamp(18px, 5vw, 72px);
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(217, 227, 238, .85);
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  color: var(--ink);
  font-size: 24px;
  font-weight: 900;
  letter-spacing: 0;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  margin-left: auto;
  color: #34445b;
  font-size: 15px;
}

.main-nav a:hover { color: var(--blue-dark); }

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 20px;
  border-radius: 8px;
  font-weight: 800;
  white-space: nowrap;
}

.header-cta,
.button.primary {
  color: #fff;
  background: linear-gradient(120deg, var(--blue-dark), var(--blue));
  box-shadow: 0 12px 24px rgba(0, 148, 249, .25);
}

.button.secondary {
  color: var(--blue-dark);
  background: #fff;
  border: 1px solid var(--line);
}

.menu-button {
  display: none;
  width: 44px;
  height: 44px;
  border: 0;
  border-radius: 8px;
  background: var(--soft);
}

.menu-button span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--ink);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(420px, 1.1fr);
  gap: clamp(28px, 5vw, 70px);
  align-items: center;
  min-height: calc(100vh - 74px);
  padding: clamp(56px, 7vw, 92px) clamp(18px, 5vw, 72px) clamp(34px, 5vw, 60px);
  overflow: hidden;
}

.eyebrow,
.section-kicker {
  margin: 0 0 14px;
  color: var(--blue-dark);
  font-size: 13px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .08em;
}

h1,
h2,
h3,
p { margin-top: 0; }

h1 {
  max-width: 760px;
  margin-bottom: 22px;
  font-size: clamp(42px, 6.4vw, 86px);
  line-height: .98;
}

.lead {
  max-width: 640px;
  color: #40516a;
  font-size: 20px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 32px 0;
}

.hero-actions .button {
  min-height: 56px;
  padding: 0 26px;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(120px, 1fr));
  gap: 12px;
  grid-column: 1 / -1;
  width: 100%;
  margin: -8px 0 0;
}

.hero-stats div {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 12px 28px rgba(13, 32, 64, .08);
}

.hero-stats dt {
  font-size: 26px;
  font-weight: 900;
  color: var(--ink);
}

.hero-stats dd {
  margin: 0;
  color: var(--muted);
}

.hero-visual {
  position: relative;
}

.hero-visual::before {
  content: "";
  position: absolute;
  inset: 5% -8% auto auto;
  width: 42%;
  aspect-ratio: 1;
  background: var(--amber);
  opacity: .42;
  border-radius: 999px;
}

.hero-visual img {
  position: relative;
  width: min(920px, 110%);
  max-width: none;
}

.trust-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  margin: 0 clamp(18px, 5vw, 72px);
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--line);
}

.trust-band div {
  padding: 24px;
  background: #fff;
}

.trust-band strong {
  display: block;
  margin-bottom: 4px;
  font-size: 18px;
}

.trust-band span { color: var(--muted); }

.section {
  padding: clamp(64px, 8vw, 108px) clamp(18px, 5vw, 72px);
}

.split {
  display: grid;
  grid-template-columns: minmax(260px, .72fr) minmax(0, 1.28fr);
  gap: clamp(28px, 5vw, 64px);
}

h2 {
  max-width: 760px;
  margin-bottom: 18px;
  font-size: clamp(30px, 4vw, 54px);
  line-height: 1.05;
}

.section p {
  color: #46566d;
  font-size: 18px;
}

.feature-grid,
.step-list,
.benefit-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.feature-grid article,
.step-list article,
.benefit-list article,
.access-cards article,
.risk-note,
.faq details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 14px 34px rgba(13, 32, 64, .07);
}

.feature-grid article,
.step-list article,
.benefit-list article {
  padding: 24px;
}

.icon {
  display: inline-block;
  width: 44px;
  height: 44px;
  margin-bottom: 18px;
  border-radius: 8px;
  background: var(--soft);
  position: relative;
}

.icon::after {
  content: "";
  position: absolute;
  inset: 12px;
  border: 3px solid var(--blue);
  border-radius: 5px;
}

.icon.chart::after { border-top: 0; transform: skewY(-18deg); }
.icon.wallet::after { border-radius: 2px 8px 8px 2px; }
.icon.social::after { border-radius: 999px; }
.icon.phone::after { inset: 9px 14px; border-radius: 7px; }

.feature-grid h3,
.step-list h3,
.risk-note h3 {
  margin-bottom: 10px;
  font-size: 22px;
}

.steps {
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.step-list {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 28px;
}

.step-list span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
  color: #fff;
  border-radius: 8px;
  background: var(--ink);
  font-weight: 900;
}

.benefits {
  background: linear-gradient(180deg, #f7fbff 0%, #eef6ff 100%);
}

.section-head {
  max-width: 860px;
  margin-bottom: 30px;
}

.benefit-list {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.benefit-list article {
  min-height: 210px;
}

.mobile {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(320px, 1.1fr);
  gap: clamp(28px, 5vw, 60px);
  align-items: start;
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.access-cards {
  display: grid;
  gap: 14px;
}

.access-cards article {
  display: grid;
  grid-template-columns: 150px minmax(0, 1fr);
  gap: 18px;
  align-items: center;
  padding: 20px;
}

.access-cards strong {
  color: var(--blue-dark);
  font-size: 20px;
}

.access-cards span {
  color: var(--muted);
}

.tools {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 420px);
  gap: clamp(28px, 5vw, 60px);
  align-items: center;
}

.tools-copy .button { margin-top: 12px; }

.risk-note {
  padding: 30px;
  border-left: 6px solid var(--mint);
}

.faq {
  padding-top: 30px;
}

.faq-list {
  display: grid;
  gap: 12px;
  max-width: 980px;
}

.faq details {
  padding: 20px 24px;
}

.faq summary {
  cursor: pointer;
  font-weight: 900;
  font-size: 19px;
}

.faq details p {
  margin: 14px 0 0;
}

.site-footer {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 34px clamp(18px, 5vw, 72px);
  color: #415069;
  background: #fff;
  border-top: 1px solid var(--line);
}

.site-footer p {
  max-width: 680px;
  margin: 0 auto 0 0;
}

.site-footer a {
  color: var(--blue-dark);
  font-weight: 800;
}

.footer-brand {
  color: var(--ink);
  font-size: 22px;
  font-weight: 900;
  white-space: nowrap;
}

@media (max-width: 940px) {
  .site-header { gap: 16px; }
  .main-nav {
    position: absolute;
    left: 18px;
    right: 18px;
    top: 78px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
    box-shadow: var(--shadow);
  }
  .main-nav.is-open { display: flex; }
  .menu-button { display: block; margin-left: auto; }
  .header-cta { display: none; }
  .hero,
  .split,
  .tools,
  .mobile {
    grid-template-columns: 1fr;
  }
  .hero {
    min-height: auto;
  }
  .hero-visual img {
    width: 100%;
    max-width: 920px;
  }
  .trust-band,
  .step-list,
  .benefit-list {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .site-header { min-height: 66px; }
  .brand { font-size: 20px; }
  .hero { padding-top: 42px; }
  .lead,
  .section p { font-size: 16px; }
  .hero-stats,
  .feature-grid {
    grid-template-columns: 1fr;
  }
  .access-cards article {
    grid-template-columns: 1fr;
    gap: 6px;
  }
  .hero-actions .button,
  .button {
    width: 100%;
  }
  .site-footer {
    display: block;
  }
  .site-footer p {
    margin: 18px 0;
  }
}