:root {
  --bg: #f7f9fc;
  --panel: #ffffff;
  --text: #0f1f33;
  --muted: #51637a;
  --brand: #0a3a6d;
  --brand-2: #1f6ef2;
  --line: #d9e3f0;
  --radius: 18px;
  --shadow: 0 22px 45px rgba(15, 23, 42, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  font-family: "Manrope", "Segoe UI", sans-serif;
  background:
    radial-gradient(circle at 95% 0%, rgba(31, 110, 242, 0.14), transparent 35%),
    radial-gradient(circle at 0% 30%, rgba(10, 58, 109, 0.1), transparent 40%),
    var(--bg);
}

h1,
h2 {
  margin: 0;
  line-height: 1.12;
  letter-spacing: -0.03em;
  font-family: "Sora", "Manrope", sans-serif;
}

p {
  margin: 0;
}

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

.container {
  width: min(1120px, 92vw);
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: -9999px;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 50;
  background: #fff;
  border: 2px solid var(--brand);
  border-radius: 8px;
  padding: 0.35rem 0.6rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(8, 25, 48, 0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.nav-row {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  text-decoration: none;
}

.brand-title {
  font-family: "Sora", "Manrope", sans-serif;
  font-size: clamp(1.75rem, 4.2vw, 3.1rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1;
  color: #ffffff;
}

.brand img:first-child {
  width: clamp(180px, 23vw, 290px);
}

.brand img:last-child {
  width: clamp(120px, 16vw, 170px);
  opacity: 0.9;
}

.hero {
  padding: clamp(3rem, 8vw, 6rem) 0 2.8rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.3rem;
  align-items: start;
}

.eyebrow {
  margin-bottom: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.76rem;
  font-weight: 800;
  color: var(--brand-2);
}

h1 {
  font-size: clamp(2rem, 5vw, 4rem);
}

.lead {
  margin-top: 1rem;
  max-width: 58ch;
  color: var(--muted);
  font-size: clamp(1rem, 1.8vw, 1.2rem);
}

.hero-actions {
  margin-top: 1.6rem;
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.btn {
  border-radius: 999px;
  padding: 0.72rem 1.1rem;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform 150ms ease, box-shadow 150ms ease, background 150ms ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.btn:hover,
.btn:focus-visible {
  transform: translateY(-2px);
  text-decoration: none;
}

.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--brand), var(--brand-2));
  box-shadow: 0 12px 28px rgba(10, 58, 109, 0.25);
}

.btn-ghost {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.35);
  background: rgba(255, 255, 255, 0.06);
}

.hero .btn-ghost {
  color: var(--brand);
  border-color: var(--line);
  background: #fff;
}

.proof-points {
  list-style: none;
  margin: 1.1rem 0 0;
  padding: 0;
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  color: #2b4768;
  font-weight: 600;
  font-size: 0.92rem;
}

.proof-points li {
  background: #eef4ff;
  border: 1px solid #d6e4ff;
  border-radius: 999px;
  padding: 0.35rem 0.7rem;
}

.hero-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.3rem;
}

.hero-card h2 {
  font-size: 1.35rem;
  margin-bottom: 0.75rem;
}

.hero-card ol {
  margin: 0;
  padding-left: 1.1rem;
  display: grid;
  gap: 0.8rem;
  color: var(--muted);
  font-weight: 600;
}

.section {
  padding: 2.6rem 0;
}

.section h2 {
  font-size: clamp(1.5rem, 3.4vw, 2.3rem);
  margin-bottom: 1rem;
}

.section-label {
  text-align: center;
  margin-bottom: 1rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.13em;
  font-size: 0.75rem;
  font-weight: 800;
}

.logo-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.9rem;
}

.logo-grid img {
  width: 100%;
  background: #fff;
  border: 1px solid #e6eef8;
  border-radius: 12px;
  padding: 0.6rem;
  box-shadow: 0 8px 22px rgba(15, 23, 42, 0.06);
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
}

.step-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1rem;
  min-height: 150px;
  box-shadow: 0 8px 22px rgba(15, 23, 42, 0.06);
}

.step-card span {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, var(--brand), var(--brand-2));
  margin-bottom: 0.8rem;
}

.step-card p {
  color: var(--muted);
  font-weight: 600;
}

.section-accent {
  background: linear-gradient(180deg, #fff, #eef4ff);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.section-copy {
  color: var(--muted);
}

.insights-grid {
  margin-top: 1rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
}

.insight-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1rem;
  box-shadow: 0 8px 22px rgba(15, 23, 42, 0.06);
}

.insight-card h3 {
  margin: 0 0 0.7rem;
  font-size: 1.05rem;
  line-height: 1.25;
  letter-spacing: -0.02em;
  font-family: "Sora", "Manrope", sans-serif;
}

.insight-card p,
.insight-card li {
  color: var(--muted);
  font-weight: 600;
  font-size: 0.94rem;
}

.insight-card ul {
  margin: 0;
  padding-left: 1rem;
  display: grid;
  gap: 0.4rem;
}

.calculator-shell {
  margin-top: 1rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 0.75rem;
  box-shadow: var(--shadow);
}

#portal {
  width: 100%;
  min-height: 860px;
  border: 0;
  border-radius: 12px;
  background: #fff;
}

.site-footer {
  padding: 2.4rem 0 1.2rem;
  background: linear-gradient(145deg, #081a31, #0b2d53);
  color: #dce9fb;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.2rem;
  align-items: end;
}

.footer-copy {
  margin-top: 1rem;
  max-width: 52ch;
  color: #bfd3ed;
}

.contact {
  margin-top: 1rem;
  font-weight: 700;
}

.contact a {
  color: #f3f8ff;
}

.footer-actions {
  display: grid;
  justify-items: end;
  gap: 0.9rem;
}

.socials {
  display: flex;
  gap: 0.55rem;
}

.socials a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 800;
  font-size: 0.76rem;
  letter-spacing: 0.03em;
  text-decoration: none;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.28);
}

.legal {
  margin-top: 1.2rem;
  padding-top: 0.9rem;
  border-top: 1px solid rgba(189, 212, 239, 0.24);
  color: #b7cde9;
  font-size: 0.9rem;
}

.legal p {
  margin: 0;
}

.footer-disclaimer {
  margin-top: 0.35rem !important;
  font-size: 0.82rem;
  color: #9fb8d9;
}

@media (max-width: 980px) {
  .hero-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-actions {
    justify-items: start;
  }

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

  .steps {
    grid-template-columns: 1fr;
  }

  .insights-grid {
    grid-template-columns: 1fr;
  }

  #portal {
    min-height: 760px;
  }
}

@media (max-width: 640px) {
  .nav-row {
    min-height: 66px;
  }

  .logo-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  #portal {
    min-height: 690px;
  }
}