:root {
  --navy: #0d2340;
  --navy-soft: #1b365c;
  --text: #182435;
  --muted: #58667a;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --line: #e4e9f0;
  --accent: #8ca95c;
  --gold: #c0a062;
  --radius: 14px;
  --shadow: 0 8px 24px rgba(13, 35, 64, 0.08);
  --shadow-soft: 0 14px 34px rgba(13, 35, 64, 0.1);
  --max: 1120px;
}

*,
*::before,
*::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: .6rem .9rem;
}
.skip-link:focus { left: 8px; z-index: 9999; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 1rem; }
.section { padding: 4.25rem 0; }
.section-muted { background: var(--bg-soft); }
h1, h2, h3 { line-height: 1.2; color: var(--navy); margin-top: 0; }
p { color: var(--muted); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
}

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

.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand-logo {
  display: block;
  max-height: 45px;
  width: auto;
  height: auto;
}
.brand-fallback {
  display: none;
  font-weight: 800;
  color: var(--navy);
}

.nav {
  position: fixed;
  inset: 74px 0 auto 0;
  background: #fff;
  border-bottom: 1px solid var(--line);
  transform: translateY(-120%);
  opacity: 0;
  pointer-events: none;
  transition: .2s ease;
  display: flex;
  flex-direction: column;
  gap: .25rem;
  padding: .85rem 1rem 1rem;
}
.nav.is-open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.nav a {
  text-decoration: none;
  color: var(--navy-soft);
  font-weight: 600;
  padding: .6rem .65rem;
  border-radius: 8px;
}
.nav a:hover { background: #f1f5fa; }

.menu-toggle {
  width: 42px; height: 42px; border: 0; background: transparent;
  display: inline-flex; flex-direction: column; justify-content: center; gap: 5px; cursor: pointer;
}
.menu-toggle span { width: 22px; height: 2px; background: var(--navy); display: block; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 10px; text-decoration: none; font-weight: 700; border: 0;
}
.btn-small { padding: .6rem .9rem; font-size: .9rem; }
.btn-primary {
  padding: .85rem 1.2rem;
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  box-shadow: var(--shadow);
}

.hero {
  background: radial-gradient(circle at top right, #f2f6fb 0%, #ffffff 54%);
  padding-top: 3.5rem;
}
.hero-shell {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 20px;
  box-shadow: var(--shadow-soft);
  padding: clamp(1.2rem, 3vw, 2rem);
}
.kicker {
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: .05em;
  font-weight: 700;
  font-size: .8rem;
}
.hero-sub { font-size: 1.06rem; max-width: 48ch; }
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: .9rem 1rem;
  margin-top: 1rem;
}
.hero-meta { margin: 0; font-size: .94rem; }

.trust-list {
  list-style: none;
  margin: 1.15rem 0 0;
  padding: 0;
  display: grid;
  gap: .65rem;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
}
.trust-list li {
  position: relative;
  padding-left: 1.1rem;
  font-size: .93rem;
}
.trust-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .5rem;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
}
.mini-disclaimer {
  font-size: .82rem;
  background: #fbfcfe;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: .6rem .7rem;
  max-width: 520px;
}

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: 1.15rem;
}
.section-form {
  padding-top: 1.25rem;
}
.form-card {
  padding: 1.4rem;
  max-width: none;
  width: 100%;
}
.section-head {
  margin-bottom: 1.05rem;
}
.section-eyebrow {
  margin: 0 0 .3rem;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--accent);
  font-weight: 700;
}
.zoho-wrap {
  border: 1px solid var(--line);
  border-radius: 16px;
  min-height: 980px;
  overflow: hidden;
  background: #fff;
}
.zoho-wrap iframe {
  width: 100%;
  min-height: 980px;
  border: 0;
  display: block;
}
.fallback-help, .privacy-note { font-size: .86rem; margin-top: .8rem; }
.suggested-fields p {
  margin: .75rem 0 .4rem;
  font-size: .86rem;
  font-weight: 600;
  color: var(--navy-soft);
}
.suggested-fields ul {
  margin: 0;
  padding-left: 1rem;
  display: grid;
  gap: .2rem;
}
.suggested-fields li { font-size: .84rem; color: var(--muted); }

.steps,
.grid-3,
.grid-4 {
  display: grid;
  gap: 1.1rem;
}
.note { margin-top: 1rem; font-size: .92rem; }

.chip-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: .95rem;
  font-weight: 700;
  color: var(--navy);
  background: #fff;
  box-shadow: 0 3px 10px rgba(0,0,0,.04);
}
.chip-card span {
  display: block;
  margin-top: .35rem;
  font-size: .78rem;
  font-weight: 600;
  color: var(--accent);
}

.cta-section { padding-top: 2.5rem; }
.cta-card {
  text-align: center;
  padding: 2.2rem 1rem;
  background: linear-gradient(165deg, #ffffff 0%, #f5f8fc 100%);
}

.faq-wrap { max-width: 820px; }
.faq-item {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: .2rem 1rem;
  margin-bottom: .7rem;
  background: #fff;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  padding: .8rem 0;
}
.faq-item p { margin: 0 0 1rem; font-size: .93rem; }

.site-footer {
  background: #0a1b31;
  color: #c8d2df;
  padding: 2.5rem 0 5rem;
}
.site-footer a { color: #e8eef8; text-decoration: none; }
.footer-top { display: grid; gap: 1rem; }
.footer-logo { max-height: 45px; width: auto; height: auto; }
.footer-brand p { color: #b6c3d5; margin-top: .6rem; }
.footer-nav { display: grid; gap: .5rem; align-content: start; }
.footer-bottom { margin-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.12); padding-top: 1rem; }
.footer-bottom p { color: #b6c3d5; font-size: .82rem; }

.mobile-sticky-cta {
  position: fixed;
  left: .75rem;
  right: .75rem;
  bottom: .75rem;
  z-index: 600;
  border-radius: 999px;
  text-align: center;
  padding: .85rem 1rem;
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  text-decoration: none;
  font-weight: 800;
  box-shadow: 0 10px 24px rgba(13, 35, 64, 0.28);
}

@media (min-width: 860px) {
  .brand-logo { max-height: 60px; }
  .menu-toggle { display: none; }
  .nav {
    position: static;
    transform: none;
    opacity: 1;
    pointer-events: auto;
    border: 0;
    padding: 0;
    flex-direction: row;
    align-items: center;
    gap: .2rem;
    background: transparent;
  }
  .section { padding: 4.75rem 0; }
  .hero { padding-top: 4rem; }
  .form-card {
    width: 100%;
    max-width: none;
  }
  .steps { grid-template-columns: repeat(3, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
  .footer-top { grid-template-columns: 1.5fr 1fr; }
  .mobile-sticky-cta { display: none; }
}

@media (max-width: 859px) {
  .zoho-wrap,
  .zoho-wrap iframe {
    min-height: 920px;
  }
  .section { padding: 3rem 0; }
  .hero { padding-top: 2.3rem; }
}