:root {
  --navy: #003366;
  --blue: #00509e;
  --cyan: #00a5cf;
  --bg: #f4f8fc;
  --white: #ffffff;
  --text: #12324a;
  --muted: #648099;
  --line: #dbe6f1;
  --success: #15803d;
  --warning: #b45309;
  --danger: #b91c1c;
  --shadow: 0 22px 60px rgba(0, 51, 102, 0.1);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(0, 165, 207, 0.12), transparent 28%),
    linear-gradient(180deg, #f8fbff 0%, #eef5fb 100%);
}

a { color: inherit; text-decoration: none; }
button, input { font: inherit; }

.page-shell {
  width: min(1220px, calc(100% - 32px));
  margin: 0 auto;
  padding: 24px 0 48px;
}

.topbar {
  position: sticky;
  top: 16px;
  z-index: 30;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 18px;
  margin-bottom: 24px;
  background: rgba(255,255,255,0.88);
  backdrop-filter: blur(18px);
  border: 1px solid rgba(255,255,255,0.8);
  border-radius: 20px;
  box-shadow: 0 18px 40px rgba(0,0,0,0.05);
}

.brand-wrap {
  display: flex;
  align-items: center;
  gap: 14px;
}

.brand-mark {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  font-weight: 800;
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--cyan));
  box-shadow: var(--shadow);
}

.eyebrow, .section-kicker, .result-label {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.74rem;
  font-weight: 700;
  color: var(--blue);
  margin: 0 0 6px;
}

.topbar h1, .hero h2, .section-heading h3, .cta-band h3, .modal-card h3 {
  margin: 0;
}

.topbar h1 { font-size: 1.1rem; }
.topbar-cta { white-space: nowrap; }

.hero {
  display: grid;
  grid-template-columns: 1.45fr 0.9fr;
  gap: 28px;
  align-items: stretch;
  padding: 20px 0 30px;
}

.hero-copy, .hero-card, .benefit-card, .stepper-card, .wizard-card, .cta-band, .modal-card {
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(255,255,255,0.9);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
}

.hero-copy {
  padding: 44px;
}

.hero-badge, .mini-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(0, 80, 158, 0.08);
  color: var(--blue);
  font-size: 0.88rem;
  font-weight: 700;
}

.mini-pill.soft { background: rgba(0, 165, 207, 0.12); color: #067a97; }

.hero h2 {
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  line-height: 1.02;
  margin: 16px 0 16px;
}

.hero-copy p, .section-heading p, .step-intro, .benefit-card p, .cta-band p, .modal-card p {
  color: var(--muted);
  line-height: 1.7;
}

.hero-actions, .result-cta-row, .wizard-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.btn {
  border: 0;
  cursor: pointer;
  padding: 14px 22px;
  border-radius: 14px;
  font-weight: 700;
  transition: transform .2s ease, box-shadow .2s ease, opacity .2s ease;
}

.btn:hover { transform: translateY(-1px); }

.btn-primary {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--blue) 55%, var(--cyan));
  box-shadow: 0 16px 34px rgba(0, 80, 158, 0.25);
}

.btn-secondary {
  background: #edf5fb;
  color: var(--navy);
  border: 1px solid #d8e8f7;
}

.trust-grid, .benefit-grid, .result-grid {
  display: grid;
  gap: 14px;
}

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

.trust-grid article, .result-grid article {
  padding: 16px;
  border-radius: 18px;
  background: #f6fbff;
  border: 1px solid #e2eef8;
}

.trust-grid strong, .benefit-card h4, .result-grid strong, .observation-box strong { display: block; margin-bottom: 6px; }
.trust-grid span, .result-grid span { color: var(--muted); font-size: 0.94rem; }

.hero-card {
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.hero-card-head {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hero-stat {
  padding: 18px;
  background: linear-gradient(180deg, rgba(0, 80, 158, 0.08), rgba(0, 165, 207, 0.05));
  border-radius: 20px;
}

.hero-stat small {
  display: block;
  color: var(--muted);
  margin-bottom: 10px;
}

.hero-stat strong { font-size: 1.35rem; }
.feature-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
}
.feature-list li {
  position: relative;
  padding-left: 26px;
  font-weight: 600;
}
.feature-list li::before {
  content: '•';
  position: absolute;
  left: 8px;
  color: var(--cyan);
}

.section-heading {
  max-width: 780px;
  margin: 0 auto 24px;
  text-align: center;
}
.section-heading.compact { margin-bottom: 18px; }
.section-heading h3 { font-size: clamp(1.8rem, 3vw, 2.5rem); }

.benefits { padding: 24px 0 10px; }
.benefit-grid { grid-template-columns: repeat(3, 1fr); }
.benefit-card { padding: 24px; }

.simulator { padding: 30px 0 24px; }
.wizard-layout {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 24px;
  align-items: start;
}

.stepper-card, .wizard-card { padding: 20px; }
.stepper-card {
  position: sticky;
  top: 108px;
}

.step-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px;
  border-radius: 18px;
  color: var(--muted);
}
.step-item span {
  width: 38px;
  height: 38px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: #edf5fb;
  color: var(--blue);
  font-weight: 800;
}
.step-item small { display: block; margin-top: 3px; }
.step-item.active {
  background: linear-gradient(180deg, rgba(0,80,158,0.08), rgba(0,165,207,0.06));
  color: var(--navy);
}
.step-item.active span {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--cyan));
}

.step-panel { display: none; }
.step-panel.active { display: block; }
.step-panel h4 { margin: 0 0 6px; font-size: 1.45rem; }

.cards-selector {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 18px;
}
.choice-card, .toggle-card {
  position: relative;
  display: block;
  padding: 20px;
  border-radius: 20px;
  border: 1px solid var(--line);
  background: #fbfdff;
  transition: all .18s ease;
}
.choice-card input, .toggle-card input { position: absolute; inset: 0; opacity: 0; cursor: pointer; }
.choice-card.selected, .toggle-card.active {
  border-color: rgba(0, 80, 158, 0.26);
  background: linear-gradient(180deg, rgba(0,80,158,0.08), rgba(0,165,207,0.03));
  box-shadow: 0 12px 30px rgba(0, 80, 158, 0.08);
}
.choice-card strong, .toggle-card strong { display: block; margin-bottom: 8px; }
.choice-card span, .toggle-card span { color: var(--muted); line-height: 1.55; }

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 18px;
}

label span {
  display: block;
  font-weight: 600;
  margin-bottom: 8px;
}

input[type="number"], input[type="text"], input[type="email"], input[type="tel"] {
  width: 100%;
  padding: 14px 15px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text);
  outline: none;
}
input:focus {
  border-color: rgba(0, 80, 158, 0.35);
  box-shadow: 0 0 0 4px rgba(0, 165, 207, 0.1);
}

.toggle-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 18px 0 0;
}
.conditional.hidden { display: none; }

.result-shell {
  border-radius: 24px;
  padding: 24px;
  background: linear-gradient(180deg, #f7fbff, #ffffff);
  border: 1px solid #e2eef8;
}
.result-top {
  display: flex;
  justify-content: space-between;
  align-items: start;
  gap: 16px;
}
.result-main {
  font-size: clamp(2.4rem, 5vw, 4.3rem);
  font-weight: 800;
  margin: 14px 0 18px;
  color: var(--navy);
}
.result-grid {
  grid-template-columns: repeat(4, 1fr);
  margin-bottom: 18px;
}
.observation-box {
  padding: 18px;
  border-radius: 18px;
  background: #eff8fc;
  border: 1px solid #d7ebf3;
  margin-bottom: 18px;
}
.observation-box p { margin: 0; }
.risk-pill {
  white-space: nowrap;
  font-weight: 800;
  padding: 10px 14px;
  border-radius: 999px;
  background: #e8eef4;
  color: var(--muted);
}
.risk-low { background: rgba(21,128,61,0.1); color: var(--success); }
.risk-medium { background: rgba(180,83,9,0.1); color: var(--warning); }
.risk-high { background: rgba(185,28,28,0.12); color: var(--danger); }

.wizard-actions {
  justify-content: space-between;
  margin-top: 22px;
}

.cta-band {
  margin: 20px 0 30px;
  padding: 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(4, 22, 39, 0.55);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 80;
  padding: 20px;
}
.modal-backdrop.open { display: flex; }
.modal-card {
  width: min(560px, 100%);
  padding: 28px;
  position: relative;
}
.modal-close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 40px;
  height: 40px;
  border: 0;
  border-radius: 12px;
  background: #edf5fb;
  color: var(--navy);
  font-size: 1.6rem;
  cursor: pointer;
}
.lead-form { display: grid; gap: 14px; }
.lead-summary {
  padding: 16px;
  border-radius: 16px;
  background: #f7fbff;
  border: 1px solid #dcebf8;
  color: var(--muted);
}
.full { width: 100%; }
.form-note { min-height: 24px; font-weight: 600; }
.form-note.success { color: var(--success); }
.form-note.error { color: var(--danger); }

@media (max-width: 1080px) {
  .hero, .wizard-layout, .cta-band { grid-template-columns: 1fr; display: grid; }
  .stepper-card { position: static; }
  .cards-selector, .toggle-grid, .benefit-grid, .trust-grid, .result-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .page-shell { width: min(100% - 20px, 100%); }
  .topbar { top: 8px; padding: 14px; }
  .topbar h1 { font-size: 0.98rem; }
  .hero-copy, .hero-card, .benefit-card, .stepper-card, .wizard-card, .cta-band, .modal-card { padding: 20px; }
  .hero h2 { font-size: 2rem; }
  .cards-selector, .toggle-grid, .benefit-grid, .trust-grid, .form-grid, .result-grid { grid-template-columns: 1fr; }
  .wizard-actions, .hero-actions, .result-cta-row, .cta-band { display: flex; flex-direction: column; }
  .result-top { flex-direction: column; align-items: flex-start; }
}