:root {
  --bg: #f7fafc;
  --card: #ffffff;
  --ink: #1a2332;
  --muted: #5b6b7c;
  --line: #d9e2ec;
  --accent: #0b6e99;
  --accent-dark: #085578;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
a { color: var(--accent); }
.wrap { width: min(960px, 92vw); margin: 0 auto; }
header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 10;
}
.nav { display: flex; align-items: center; justify-content: space-between; padding: 0.9rem 0; gap: 1rem; }
.logo { font-weight: 700; letter-spacing: -0.02em; text-decoration: none; color: var(--ink); }
.logo span { color: var(--accent); }
.nav a.btn { text-decoration: none; }
.hero { padding: 3.5rem 0 2.5rem; }
.hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); line-height: 1.15; margin: 0 0 0.75rem; letter-spacing: -0.03em; }
.hero p.lead { font-size: 1.1rem; color: var(--muted); max-width: 38rem; margin: 0 0 1.5rem; }
.badge {
  display: inline-block; font-size: 0.8rem; font-weight: 600;
  color: var(--accent-dark); background: #e6f4fa; border: 1px solid #c5e4f2;
  border-radius: 999px; padding: 0.25rem 0.7rem; margin-bottom: 1rem;
}
.btn {
  display: inline-block; background: var(--accent); color: #fff !important;
  padding: 0.75rem 1.15rem; border-radius: 0.55rem; font-weight: 600;
  text-decoration: none; border: none; cursor: pointer;
}
.btn:hover { background: var(--accent-dark); }
.btn.secondary { background: transparent; color: var(--accent) !important; border: 1px solid var(--accent); }
.grid { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 0.85rem;
  padding: 1.25rem 1.35rem;
}
.card h3 { margin: 0 0 0.4rem; }
.card p { margin: 0; color: var(--muted); }
section { padding: 2rem 0; }
section h2 { margin: 0 0 1rem; letter-spacing: -0.02em; }
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li {
  position: relative; padding: 0.85rem 0 0.85rem 2.6rem;
  border-bottom: 1px solid var(--line); color: var(--muted);
}
.steps li::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: 0.85rem;
  width: 1.7rem; height: 1.7rem; border-radius: 999px;
  background: #e6f4fa; color: var(--accent-dark);
  display: grid; place-items: center; font-weight: 700; font-size: 0.85rem;
}
.area { color: var(--muted); }
footer {
  margin-top: 2rem; padding: 2rem 0 2.5rem; border-top: 1px solid var(--line);
  color: var(--muted); font-size: 0.85rem;
}
.cta-band {
  background: #0b6e99; color: #fff; border-radius: 1rem; padding: 1.75rem;
  display: flex; flex-wrap: wrap; gap: 1rem; align-items: center; justify-content: space-between;
}
.cta-band p { margin: 0; max-width: 36rem; opacity: 0.95; }
.cta-band .btn { background: #fff; color: var(--accent-dark) !important; }

.skip {
  position: absolute; left: -999px; top: auto; width: 1px; height: 1px; overflow: hidden;
}
.skip:focus { position: static; width: auto; height: auto; padding: 0.5rem 1rem; background: #fff; }
.nav nav { display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; }
.nav nav a { color: var(--muted); text-decoration: none; font-size: 0.95rem; }
.nav nav a:hover { color: var(--accent); }
.kicker { color: var(--accent-dark); font-weight: 600; font-size: 0.9rem; margin: 0 0 0.75rem; }
.faq details { background: var(--card); border: 1px solid var(--line); border-radius: 0.75rem; padding: 0.85rem 1rem; margin-bottom: 0.65rem; }
.faq summary { cursor: pointer; font-weight: 600; }
.faq details p { margin: 0.5rem 0 0; color: var(--muted); }