:root{
  --bg:#ffffff; --fg:#2b2b2f; --muted:#626b7a;
  --accent-red:#D72C32;
  --accent-purple:#B86AAB;
  --accent-teal:#00C1DE;
  --accent-blue:#2563eb;
  --accent-gold:#F7B500;
  --success:#16a34a; --warn:#f59e0b; --error:#ef4444;
  --gradient-hero: linear-gradient(120deg, color-mix(in oklch, var(--accent-teal), white 10%), color-mix(in oklch, var(--accent-purple), white 10%));
  --gradient-soft: linear-gradient(120deg, color-mix(in oklch, var(--accent-teal), white 85%), color-mix(in oklch, var(--accent-purple), white 92%));
  --radius:18px; --radius-sm:12px;
  --spacing: clamp(12px, 1.6vw, 24px);
  --shadow:0 12px 36px rgba(0,0,0,.10);
  --font-sans:"Poppins", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial;
}
[data-theme="dark"]{
  --bg:#0b0b0f; --fg:#f5f7fb; --muted:#9aa3b2;
  --shadow: 0 12px 44px rgba(0,0,0,.45);
}
*{box-sizing:border-box} html,body{height:100%}
body{margin:0;font-family:var(--font-sans);background:var(--bg);color:var(--fg);line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--accent-blue);text-underline-offset:3px}
a:hover{color:var(--accent-purple)}
.container{max-width:1160px;margin:0 auto;padding:0 var(--spacing)}
.narrow{max-width:780px;margin-inline:auto}
.mt-3{margin-top:calc(var(--spacing)*1.2)} .mt-4{margin-top:calc(var(--spacing)*1.6)} .mt-6{margin-top:calc(var(--spacing)*2.2)}
.p-lg{padding:calc(var(--spacing)*1.6)}

/* Accessibility */
.sr-only{position:absolute;left:-9999px}
.skip-link{position:absolute;left:-9999px;top:0;background:#fff;color:#000;padding:8px;border-radius:10px}
.skip-link:focus{left:12px;top:12px;z-index:9999;outline:3px solid var(--accent-teal)}
:focus-visible{outline:3px solid var(--accent-teal);outline-offset:3px;border-radius:8px}

/* Header */
.site-header{position:sticky;top:0;background:rgba(255,255,255,.86);backdrop-filter:saturate(160%) blur(12px);box-shadow:0 1px 0 rgba(0,0,0,.06);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:14px 0}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:inherit;font-weight:700}
.brand-mark{display:block}
.nav-toggle{display:none;background:none;border:0;padding:8px;border-radius:12px}
.menu{display:flex;gap:18px;align-items:center;list-style:none;margin:0;padding:0}
.menu a,.menu .btn-ghost{font-weight:600;text-decoration:none}
.notice{padding:10px 0;text-align:center;font-weight:600}
.notice-scam{background:color-mix(in oklch, var(--accent-gold), white 80%)}

/* Hero */
.hero{padding:clamp(32px,5vw,80px) 0}
.hero-gradient{background:var(--gradient-hero)}
.hero-gradient-soft{background:var(--gradient-soft)}
.hero-home .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(20px,4vw,44px);align-items:center}
.lead{font-size:clamp(1.05rem,1.4vw,1.22rem);color:var(--fg);opacity:.85}
h1{font-size:clamp(1.9rem,3.8vw,3.1rem);line-height:1.15;margin:.1em 0 .4em}
h2{font-size:clamp(1.35rem,2.1vw,2.1rem);margin:0 0 .6em}
.h5{font-size:1rem;margin:0 0 .6em}
.frame{border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.list-bullets{padding-left:1.2em} .list-bullets li{margin:.35em 0}

/* Ribbons */
.ribbon{background:color-mix(in oklch, var(--accent-teal), white 78%);}
.ribbon-inner{padding:10px 0;font-weight:700;text-align:center}

/* Buttons */
.btn{--_bg:var(--accent-teal);--_fg:#00242a;display:inline-flex;align-items:center;gap:.6em;
  background:linear-gradient(180deg, color-mix(in oklch, var(--_bg), white 12%), var(--_bg));
  color:var(--_fg);border:0;border-radius:12px;padding:.85em 1.2em;font-weight:800;cursor:pointer;box-shadow:var(--shadow)}
.btn:hover{transform:translateY(-1px)}
.btn-outline{--_bg:transparent;--_fg:var(--accent-purple);border:2px solid var(--accent-purple);background:transparent;color:var(--accent-purple);box-shadow:none}
.btn-ghost{background:transparent;border:1px solid color-mix(in oklch, var(--fg), transparent 80%);color:inherit}
.btn-pill{border-radius:999px}
.btn-red{--_bg:var(--accent-red);--_fg:#fff}
.btn-purple{--_bg:var(--accent-purple);--_fg:#fff}
.btn-teal{--_bg:var(--accent-teal);--_fg:#00333a}

/* Cards & grids */
.card{background:var(--bg);border:1px solid color-mix(in oklch, var(--fg), transparent 90%);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(16px,2.2vw,28px);position:relative}
.card::before{content:"";position:absolute;inset:0 0 auto 0;height:6px;border-top-left-radius:var(--radius);border-top-right-radius:var(--radius);background:var(--accent-teal)}
.card-accent-blue::before{background:var(--accent-blue)}
.card-accent-teal::before{background:var(--accent-teal)}
.card-accent-gold::before{background:var(--accent-gold)}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(16px,2vw,26px)}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(16px,2vw,26px)}

/* Stepper */
.stepper{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;counter-reset:s}
.stepper li{display:flex;align-items:center;gap:10px;background:color-mix(in oklch, var(--accent-teal), white 88%);padding:10px;border-radius:14px}
.stepper li span{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:999px;background:var(--accent-teal);color:#00343e;font-weight:800}
.stepper [aria-current="step"]{outline:3px solid color-mix(in oklch, var(--accent-teal), white 20%)}
.stepper-color li:nth-child(2){background:color-mix(in oklch, var(--accent-purple), white 88%)}
.stepper-color li:nth-child(2) span{background:var(--accent-purple);color:white}
.stepper-color li:nth-child(3){background:color-mix(in oklch, var(--accent-red), white 88%)}
.stepper-color li:nth-child(3) span{background:var(--accent-red);color:white}

/* Forms */
label{display:block;font-weight:600;margin:.4em 0}
input,select,textarea{width:100%;padding:.7em;border:1.5px solid color-mix(in oklch, var(--fg), transparent 85%);
  border-radius:12px;background:var(--bg);color:inherit}
input:focus,select:focus,textarea:focus{border-color:var(--accent-purple);box-shadow:0 0 0 3px color-mix(in oklch, var(--accent-purple), white 70%)}
input[aria-invalid="true"]{border-color:var(--error)}
.assist{font-size:.9rem;color:var(--muted)}
.choices{display:flex;gap:10px;flex-wrap:wrap}
.choice{display:inline-flex;gap:8px;align-items:center;border:1px solid color-mix(in oklch, var(--fg), transparent 85%);padding:8px 12px;border-radius:12px}

/* FAQ & Quotes */
.faq details{border:1px solid color-mix(in oklch, var(--fg), transparent 88%);border-radius:12px;padding:12px}
.faq summary{cursor:pointer;font-weight:700}
.quote-card{background:var(--bg);padding:clamp(16px,2vw,24px);border-left:6px solid var(--accent-purple);border-radius:12px}
.q-red{border-left-color:var(--accent-red)} .q-purple{border-left-color:var(--accent-purple)} .q-teal{border-left-color:var(--accent-teal)}

/* Footer */
.site-footer{margin-top:64px;border-top:1px solid color-mix(in oklch, var(--fg), transparent 90%);background:color-mix(in oklch, var(--accent-teal), white 96%)}
.footer-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;padding:clamp(16px,2.4vw,34px) 0}
.legal{text-align:center;padding:12px;color:var(--muted);font-size:.9rem}
.icon-link{display:inline-flex;padding:10px;border:1px solid color-mix(in oklch, var(--fg), transparent 85%);border-radius:12px}

/* Responsive */
@media (max-width: 900px){
  .hero-home .hero-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr;gap:12px}
  .grid-2{grid-template-columns:1fr}
  .menu{display:none;position:absolute;inset:56px 0 auto 0;background:var(--bg);padding:16px;border-top:1px solid color-mix(in oklch, var(--fg), transparent 90%)}
  .nav-toggle{display:inline-grid}
}