:root {
  --bg: #f5f7fa;
  --surface: #ffffff;
  --text: #182230;
  --muted: #5e6b7a;
  --primary: #0d6ea8;
  --primary-dark: #09557f;
  --line: #dde4ea;
  --radius: 18px;
  --shadow: 0 14px 40px rgba(20, 45, 70, .10);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

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

a { color: inherit; }

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
}

.nav {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  text-decoration: none;
}

.brand img {
  width: 48px;
  height: 48px;
  object-fit: contain;
  border-radius: 8px;
}

nav {
  display: flex;
  gap: 24px;
}

nav a {
  text-decoration: none;
  color: var(--muted);
  font-weight: 600;
}

nav a:hover { color: var(--primary); }

.hero {
  padding: 88px 0 72px;
  background: linear-gradient(135deg, #f8fbfd 0%, #eaf4fa 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.45fr .8fr;
  gap: 50px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--primary);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .12em;
}

h1, h2, h3 { line-height: 1.15; }

h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(40px, 6vw, 68px);
  letter-spacing: -.035em;
}

h2 {
  margin: 0;
  font-size: clamp(30px, 4vw, 44px);
  letter-spacing: -.025em;
}

h3 {
  margin-top: 0;
  font-size: 22px;
}

.lead {
  max-width: 720px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 19px;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 22px;
  border-radius: 12px;
  text-decoration: none;
  font-weight: 700;
}

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

.primary:hover { background: var(--primary-dark); }

.secondary {
  color: var(--text);
  background: white;
  border: 1px solid var(--line);
}

.hero-card {
  padding: 30px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-card strong {
  display: block;
  font-size: 23px;
}

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

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

.section { padding: 80px 0; }

.section-heading {
  max-width: 680px;
  margin-bottom: 32px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.card {
  padding: 28px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.card p {
  margin-bottom: 0;
  color: var(--muted);
}

.calculator-banner {
  padding: 0 0 80px;
}

.banner-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 30px;
  padding: 42px;
  color: white;
  background: var(--primary);
  border-radius: 24px;
}

.banner-inner .eyebrow { color: #d5efff; }

.banner-inner p { margin-bottom: 0; }

.light {
  flex: 0 0 auto;
  color: var(--primary-dark);
  background: white;
}

.contact { padding-top: 20px; }

.contact-box {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 30px;
  padding: 34px 0 70px;
}

.contact-box p { color: var(--muted); }

.contact-link {
  color: var(--primary);
  font-size: 18px;
  font-weight: 800;
  text-decoration: none;
}

footer {
  background: #101923;
  color: #dce5ec;
}

.footer-inner {
  min-height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.footer-inner a { color: white; }

@media (max-width: 800px) {
  .nav {
    padding: 12px 0;
    align-items: flex-start;
  }

  nav {
    gap: 12px;
    font-size: 14px;
    flex-wrap: wrap;
    justify-content: flex-end;
  }

  .hero { padding-top: 60px; }

  .hero-grid,
  .cards {
    grid-template-columns: 1fr;
  }

  .banner-inner,
  .contact-box {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 520px) {
  .container { width: min(100% - 24px, 1120px); }
  .brand span { display: none; }
  nav { gap: 10px; }
  .hero { padding: 48px 0; }
  .section { padding: 58px 0; }
  .banner-inner { padding: 28px 22px; }
}