:root{
  --navy:#0f2540; --blue:#1b5fa8; --blue-d:#154a85; --accent:#16a34a;
  --accent-d:#12833c; --bg:#f6f8fb; --card:#ffffff; --ink:#182533;
  --muted:#5b6b7d; --line:#e4eaf1; --warn:#b45309;
  --shadow:0 4px 20px rgba(15,37,64,.08); --radius:14px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;padding:14px 26px;border-radius:10px;font-weight:600;font-size:16px;cursor:pointer;border:none;transition:.15s;text-align:center}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-d);text-decoration:none}
.btn-ghost{background:#fff;color:var(--navy);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--blue);text-decoration:none}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-d);text-decoration:none}

/* Header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:var(--navy)}
.logo:hover{text-decoration:none}
.logo .badge{width:30px;height:30px;background:var(--blue);border-radius:8px;display:flex;align-items:center;justify-content:center;color:#fff}
.logo b{color:var(--blue)}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a{color:var(--ink);font-weight:500;font-size:15px}
@media(max-width:760px){.nav-links{display:none}}

/* Hero */
.hero{background:linear-gradient(160deg,#0f2540 0%,#1b3f6b 100%);color:#fff;padding:74px 0 82px}
.hero .pill{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:6px 14px;border-radius:99px;font-size:14px;font-weight:600;margin-bottom:20px}
.hero h1{font-size:44px;line-height:1.15;font-weight:800;letter-spacing:-.5px;max-width:820px}
.hero p.sub{font-size:20px;color:#cdddf0;margin:20px 0 30px;max-width:680px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap}
.hero .micro{margin-top:18px;font-size:14px;color:#9fbdd9}
@media(max-width:760px){.hero h1{font-size:32px}.hero p.sub{font-size:18px}}

/* Sections */
section{padding:64px 0}
.sec-head{text-align:center;max-width:680px;margin:0 auto 44px}
.sec-head h2{font-size:32px;font-weight:800;color:var(--navy);letter-spacing:-.3px}
.sec-head p{font-size:18px;color:var(--muted);margin-top:12px}
.eyebrow{color:var(--blue);font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:.5px}

.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:860px){.g3,.g2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card h3{font-size:19px;color:var(--navy);margin-bottom:8px}
.card p{color:var(--muted);font-size:15.5px}
.card .ico{width:46px;height:46px;border-radius:10px;background:#eaf2fb;color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px;font-weight:700}

/* Law box */
.lawbox{background:#fff8ec;border:1px solid #f2dbb0;border-left:4px solid var(--warn);border-radius:12px;padding:26px 28px}
.lawbox h3{color:var(--warn);font-size:18px;margin-bottom:8px}
.lawbox p{color:#6b5220;font-size:15.5px}

/* Pricing */
.price-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:820px;margin:0 auto}
@media(max-width:760px){.price-grid{grid-template-columns:1fr}}
.plan{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow);position:relative}
.plan.featured{border:2px solid var(--accent)}
.plan .tag{position:absolute;top:-13px;left:32px;background:var(--accent);color:#fff;font-size:13px;font-weight:700;padding:4px 12px;border-radius:99px}
.plan h3{font-size:22px;color:var(--navy)}
.plan .amount{font-size:40px;font-weight:800;color:var(--navy);margin:12px 0 4px}
.plan .amount small{font-size:16px;color:var(--muted);font-weight:500}
.plan ul{list-style:none;margin:20px 0;display:flex;flex-direction:column;gap:10px}
.plan li{padding-left:28px;position:relative;color:var(--ink);font-size:15.5px}
.plan li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:800}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:860px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding-top:8px}
.step .n{width:40px;height:40px;border-radius:99px;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.step h3{color:var(--navy);font-size:18px;margin-bottom:6px}
.step p{color:var(--muted);font-size:15px}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 22px;margin-bottom:12px}
.faq summary{font-weight:600;color:var(--navy);cursor:pointer;font-size:16px}
.faq p{color:var(--muted);margin-top:10px;font-size:15px}

/* CTA band */
.band{background:linear-gradient(160deg,#1b5fa8,#154a85);color:#fff;border-radius:18px;padding:48px;text-align:center}
.band h2{font-size:30px;font-weight:800}
.band p{color:#d6e6f6;margin:12px 0 24px;font-size:18px}

/* Footer */
footer{background:#0f2540;color:#a9c0d6;padding:44px 0 30px;margin-top:60px}
footer .cols{display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px}
footer a{color:#cfe0f0}
footer .fine{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;font-size:13.5px;color:#7f99b3}

/* Forms / quiz */
.panel{max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px}
.q{margin-bottom:26px}
.q h4{font-size:17px;color:var(--navy);margin-bottom:12px}
.opt{display:block;border:1.5px solid var(--line);border-radius:10px;padding:13px 16px;margin-bottom:9px;cursor:pointer;transition:.12s}
.opt:hover{border-color:var(--blue);background:#f4f8fd}
.opt input{margin-right:10px}
.opt.sel{border-color:var(--blue);background:#eef5fc}
label.field{display:block;margin-bottom:16px}
label.field span{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:15px}
input[type=text],input[type=email]{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-size:16px;font-family:var(--font)}
input:focus{outline:none;border-color:var(--blue)}
.progress{height:7px;background:#e9eef5;border-radius:99px;overflow:hidden;margin-bottom:26px}
.progress i{display:block;height:100%;background:var(--accent);width:0;transition:.3s}
.note{font-size:13px;color:var(--muted)}
.result-score{font-size:52px;font-weight:800;color:var(--navy);text-align:center}
.hidden{display:none}
.check-list li{margin-bottom:6px}