* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: #1f2937;
  line-height: 1.65;
  background: #ffffff;
}

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.wrap.narrow { max-width: 720px; }

.site-header {
  border-bottom: 1px solid #e5e7eb;
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  padding-top: 14px;
  padding-bottom: 14px;
}

.logo { font-weight: 800; font-size: 20px; color: #0f3d91; white-space: nowrap; }

.main-nav { display: flex; gap: 20px; margin-left: auto; }
.main-nav a { color: #374151; text-decoration: none; font-size: 15px; }
.main-nav a:hover { color: #0f3d91; }

.btn {
  display: inline-block;
  padding: 12px 26px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 1px solid transparent;
}

.btn-small { padding: 8px 16px; font-size: 13px; }

.btn-primary { background: #0f3d91; color: #fff; border: none; }
.btn-primary:hover { background: #0b2f70; }

.btn-ghost { border: 1px solid #0f3d91; color: #0f3d91; background: #fff; }
.btn-ghost:hover { background: #eef3fc; }

header .btn-small { border: 1px solid #0f3d91; color: #0f3d91; background: #fff; white-space: nowrap; }

.hero {
  background: linear-gradient(135deg, #0f3d91 0%, #1a5fc1 100%);
  color: #fff;
  padding: 84px 0;
  text-align: center;
}

.hero h1 { font-size: 40px; line-height: 1.25; margin-bottom: 18px; }
.hero-sub { font-size: 18px; max-width: 680px; margin: 0 auto 30px; opacity: 0.92; }
.hero-cta { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.hero .btn-ghost { background: transparent; color: #fff; border-color: #fff; }
.hero .btn-ghost:hover { background: rgba(255,255,255,0.12); }
.hero-phone { margin-top: 22px; font-size: 16px; opacity: 0.95; }
.hero-phone a { color: #fff; font-weight: 700; }

.trust { padding: 56px 0 8px; }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.trust-item {
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 22px;
  background: #f9fafb;
}
.trust-item h3 { font-size: 16px; margin-bottom: 8px; color: #0f3d91; }
.trust-item p { font-size: 14px; color: #4b5563; }

.section { padding: 72px 0; }
.section-alt { background: #f9fafb; }
.section h2 { font-size: 30px; margin-bottom: 10px; text-align: center; }
.section-sub { text-align: center; color: #6b7280; margin-bottom: 36px; }

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 36px;
}
.step {
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 26px 22px;
  background: #fff;
}
.step-num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: #0f3d91; color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 18px;
  margin-bottom: 14px;
}
.step h3 { font-size: 17px; margin-bottom: 8px; }
.step p { font-size: 14px; color: #4b5563; }

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 32px;
}
.two-col h3 { font-size: 18px; margin-bottom: 12px; color: #0f3d91; }
.two-col ul { padding-left: 20px; }
.two-col li { margin-bottom: 8px; font-size: 15px; }
.note { font-size: 13px; color: #6b7280; margin-top: 12px; }
.note a { color: #0f3d91; }

.price-table {
  width: 100%;
  border-collapse: collapse;
  margin: 8px 0 20px;
  font-size: 15px;
}
.price-table th, .price-table td {
  border: 1px solid #e5e7eb;
  padding: 14px 18px;
  text-align: left;
}
.price-table th { background: #0f3d91; color: #fff; }
.price-table tbody tr:nth-child(even) { background: #f9fafb; }

.fine-print { padding-left: 20px; color: #4b5563; font-size: 14px; }
.fine-print li { margin-bottom: 6px; }

form label {
  display: block;
  font-weight: 600;
  font-size: 14px;
  margin-bottom: 16px;
}
form input, form textarea {
  display: block;
  width: 100%;
  margin-top: 6px;
  padding: 11px 13px;
  border: 1px solid #d1d5db;
  border-radius: 6px;
  font-size: 15px;
  font-family: inherit;
}
form input:focus, form textarea:focus {
  outline: none;
  border-color: #0f3d91;
  box-shadow: 0 0 0 3px rgba(15,61,145,0.12);
}
form button { width: 100%; margin-top: 6px; font-size: 16px; }

.faq-item {
  border-bottom: 1px solid #e5e7eb;
  padding: 20px 0;
}
.faq-item h3 { font-size: 17px; margin-bottom: 8px; }
.faq-item p { font-size: 15px; color: #4b5563; }

.site-footer {
  background: #111827;
  color: #d1d5db;
  padding: 40px 0 0;
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  padding-bottom: 28px;
}
.site-footer .logo { color: #fff; margin-bottom: 6px; }
.site-footer p { font-size: 14px; color: #9ca3af; }
.site-footer p a { color: #d1d5db; text-decoration: none; }
.site-footer p a:hover { color: #fff; }
.footer-contact { display: flex; flex-direction: column; gap: 6px; text-align: right; }
.footer-contact a { color: #d1d5db; text-decoration: none; font-size: 14px; }
.footer-contact a:hover { color: #fff; }
.copyright {
  border-top: 1px solid #374151;
  padding: 16px 24px;
  font-size: 13px;
  color: #9ca3af;
}

@media (max-width: 860px) {
  .trust-grid, .steps { grid-template-columns: repeat(2, 1fr); }
  .two-col { grid-template-columns: 1fr; }
  .hero h1 { font-size: 30px; }
  .main-nav { display: none; }
  .footer-inner { flex-direction: column; }
  .footer-contact { text-align: left; }
}

@media (max-width: 560px) {
  header .btn-small { display: none; }
  .trust-grid, .steps { grid-template-columns: 1fr; }
  .hero { padding: 60px 0; }
  .price-table th, .price-table td { padding: 10px 12px; font-size: 14px; }
}