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

html {
  scroll-behavior: smooth;
}

body {
  font-family: Georgia, 'Times New Roman', serif;
  background: #f7f6f2;
  color: #1a1a2e;
  line-height: 1.7;
}

a {
  color: #2A5C8A;
  text-decoration: underline;
}

a:hover {
  color: #1d4568;
}

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 22px;
}

/* Top Bar */
.topbar {
  background: #ffffff;
  border-bottom: 1px solid #e2ddd4;
  padding: 13px 0;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}

.logo-text {
  font-family: Georgia, serif;
  font-size: 1.22rem;
  font-weight: 700;
  color: #1a1a2e;
  letter-spacing: -0.01em;
}

.logo-text span {
  color: #2A5C8A;
}

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

.topbar-trust {
  font-family: Arial, sans-serif;
  font-size: 0.8rem;
  color: #777;
}

.sponsored-badge {
  font-family: Arial, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #fff;
  background: #888;
  border-radius: 3px;
  padding: 2px 7px;
  white-space: nowrap;
}

/* Hero */
.hero {
  background: #ffffff;
  padding: 52px 0 44px;
  border-bottom: 1px solid #e2ddd4;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 52px;
  align-items: start;
}

.hero-eyebrow {
  font-family: Arial, sans-serif;
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: #2A5C8A;
  font-weight: 700;
  margin-bottom: 14px;
}

.hero-headline {
  font-family: Georgia, serif;
  font-size: 2rem;
  line-height: 1.25;
  color: #1a1a2e;
  font-weight: 700;
  margin-bottom: 18px;
}

.hero-sub {
  font-family: Arial, sans-serif;
  font-size: 0.98rem;
  color: #4a4a5a;
  line-height: 1.75;
  margin-bottom: 26px;
}

.hero-image-wrap {
  border-radius: 10px;
  overflow: hidden;
  margin-bottom: 26px;
  max-width: 440px;
}

.hero-image-wrap img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 10px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
}

.trust-pill {
  font-family: Arial, sans-serif;
  font-size: 0.8rem;
  background: #edf4fa;
  color: #2A5C8A;
  border-radius: 20px;
  padding: 5px 13px;
  font-weight: 600;
  border: 1px solid #c0d4e8;
  white-space: nowrap;
}

/* Form Card */
.form-card {
  background: #ffffff;
  border: 1px solid #d6d2c8;
  border-radius: 12px;
  padding: 30px 26px;
  box-shadow: 0 6px 28px rgba(26, 26, 46, 0.09);
  position: sticky;
  top: 22px;
}

.form-card-title {
  font-family: Georgia, serif;
  font-size: 1.3rem;
  color: #1a1a2e;
  font-weight: 700;
  margin-bottom: 6px;
  line-height: 1.3;
}

.form-card-sub {
  font-family: Arial, sans-serif;
  font-size: 0.84rem;
  color: #666;
  margin-bottom: 20px;
  line-height: 1.55;
}

.form-group {
  margin-bottom: 13px;
}

.form-group label {
  display: block;
  font-family: Arial, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: #333;
  margin-bottom: 5px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 10px 13px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 0.93rem;
  font-family: Arial, sans-serif;
  color: #1a1a2e;
  background: #fff;
  transition: border-color 0.18s;
  appearance: auto;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #2A5C8A;
  box-shadow: 0 0 0 3px rgba(42, 92, 138, 0.1);
}

.form-group input.err,
.form-group select.err {
  border-color: #b03a2e;
}

.consent-wrap {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin: 14px 0 16px;
}

.consent-wrap input[type="checkbox"] {
  margin-top: 3px;
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  accent-color: #2A5C8A;
  cursor: pointer;
}

.consent-wrap label {
  font-family: Arial, sans-serif;
  font-size: 0.76rem;
  color: #555;
  line-height: 1.5;
  cursor: pointer;
}

.consent-wrap label a {
  color: #2A5C8A;
}

.btn-submit {
  display: block;
  width: 100%;
  background: #c9512c;
  color: #fff;
  font-family: Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 20px;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  letter-spacing: 0.02em;
  text-align: center;
  transition: background 0.2s;
}

.btn-submit:hover {
  background: #ad3f21;
}

.form-note {
  font-family: Arial, sans-serif;
  font-size: 0.72rem;
  color: #999;
  text-align: center;
  margin-top: 10px;
}

.success-state {
  display: none;
  text-align: center;
  padding: 28px 4px;
}

.success-icon {
  font-size: 2.6rem;
  margin-bottom: 12px;
}

.success-state h3 {
  font-family: Georgia, serif;
  font-size: 1.35rem;
  color: #2A5C8A;
  margin-bottom: 10px;
}

.success-state p {
  font-family: Arial, sans-serif;
  font-size: 0.92rem;
  color: #555;
  line-height: 1.65;
}

/* Sections */
.section {
  padding: 58px 0;
}

.section-tinted {
  background: #f4f7fb;
}

.section-white {
  background: #ffffff;
}

.section-label {
  font-family: Arial, sans-serif;
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: #2A5C8A;
  font-weight: 700;
  margin-bottom: 10px;
}

.section-title {
  font-family: Georgia, serif;
  font-size: 1.6rem;
  color: #1a1a2e;
  font-weight: 700;
  margin-bottom: 12px;
  line-height: 1.3;
}

.section-intro {
  font-family: Arial, sans-serif;
  font-size: 0.97rem;
  color: #555;
  max-width: 660px;
  line-height: 1.75;
  margin-bottom: 36px;
}

/* Benefit Tiles */
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.benefit-tile {
  background: #fff;
  border: 1px solid #ddd9d0;
  border-radius: 10px;
  padding: 26px 22px;
}

.benefit-icon {
  font-size: 1.7rem;
  margin-bottom: 13px;
}

.benefit-title {
  font-family: Georgia, serif;
  font-size: 1.05rem;
  color: #1a1a2e;
  font-weight: 700;
  margin-bottom: 8px;
}

.benefit-text {
  font-family: Arial, sans-serif;
  font-size: 0.89rem;
  color: #555;
  line-height: 1.65;
}

/* Process Steps */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.process-step {
  text-align: center;
  padding: 22px 18px;
}

.step-num {
  width: 44px;
  height: 44px;
  background: #2A5C8A;
  color: #fff;
  border-radius: 50%;
  font-family: Arial, sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step-title {
  font-family: Georgia, serif;
  font-size: 1.03rem;
  color: #1a1a2e;
  font-weight: 700;
  margin-bottom: 8px;
}

.step-text {
  font-family: Arial, sans-serif;
  font-size: 0.88rem;
  color: #555;
  line-height: 1.65;
}

/* FAQ */
.faq-list {
  max-width: 740px;
}

.faq-item {
  border-bottom: 1px solid #ddd9d0;
}

.faq-item:first-child {
  border-top: 1px solid #ddd9d0;
}

.faq-q {
  font-family: Georgia, serif;
  font-size: 1.02rem;
  color: #1a1a2e;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  padding: 18px 0;
}

.faq-q:hover {
  color: #2A5C8A;
}

.faq-toggle {
  font-size: 1.4rem;
  color: #2A5C8A;
  flex-shrink: 0;
  font-family: Arial, sans-serif;
  font-weight: 400;
  line-height: 1;
  user-select: none;
}

.faq-a {
  font-family: Arial, sans-serif;
  font-size: 0.93rem;
  color: #555;
  line-height: 1.75;
  padding-bottom: 18px;
  display: none;
}

.faq-a.open {
  display: block;
}

/* Company Card */
.company-card {
  background: #f7f6f2;
  border: 1px solid #ddd9d0;
  border-radius: 10px;
  padding: 28px 24px;
  max-width: 520px;
  margin: 0 auto;
  text-align: center;
}

.company-card-name {
  font-family: Georgia, serif;
  font-size: 1.12rem;
  font-weight: 700;
  color: #1a1a2e;
  margin-bottom: 10px;
}

.company-card-detail {
  font-family: Arial, sans-serif;
  font-size: 0.85rem;
  color: #666;
  line-height: 1.8;
}

.company-card-detail a {
  color: #2A5C8A;
}

/* Legal links row */
.legal-link-row {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 22px;
}

.legal-link-row a {
  font-family: Arial, sans-serif;
  font-size: 0.85rem;
  color: #2A5C8A;
}

/* Footer */
.footer {
  background: #1a1a2e;
  color: #b0afc0;
  padding: 40px 0 26px;
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 24px;
  align-items: flex-start;
}

.footer-brand {
  font-family: Georgia, serif;
  font-size: 1.02rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 7px;
}

.footer-address {
  font-family: Arial, sans-serif;
  font-size: 0.8rem;
  color: #9999b0;
  line-height: 1.75;
}

.footer-address a {
  color: #79c0d8;
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: flex-end;
}

.footer-nav a {
  font-family: Arial, sans-serif;
  font-size: 0.8rem;
  color: #9999b0;
  text-decoration: none;
}

.footer-nav a:hover {
  color: #fff;
}

.footer-rule {
  border: none;
  border-top: 1px solid #2c2e46;
  margin: 26px 0 20px;
}

.footer-disclaimer {
  font-family: Arial, sans-serif;
  font-size: 0.76rem;
  color: #666680;
  line-height: 1.65;
}

/* Modal */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-overlay.active {
  display: flex;
}

.modal-box {
  background: #fff;
  border-radius: 10px;
  max-width: 620px;
  width: 100%;
  max-height: 82vh;
  overflow-y: auto;
  padding: 36px 30px;
  position: relative;
}

.modal-close {
  position: absolute;
  top: 14px;
  right: 18px;
  font-size: 1.6rem;
  cursor: pointer;
  color: #666;
  background: none;
  border: none;
  line-height: 1;
}

.modal-close:hover {
  color: #1a1a2e;
}

.modal-title {
  font-family: Georgia, serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: #1a1a2e;
  margin-bottom: 16px;
}

.modal-body {
  font-family: Arial, sans-serif;
  font-size: 0.88rem;
  color: #444;
  line-height: 1.8;
}

.modal-body h3 {
  font-family: Georgia, serif;
  font-size: 1rem;
  color: #1a1a2e;
  margin: 18px 0 7px;
}

.modal-body p {
  margin-bottom: 12px;
}

/* Responsive */
@media (max-width: 860px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .form-card {
    position: static;
  }

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

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

  .hero-headline {
    font-size: 1.65rem;
  }

  .footer-inner {
    flex-direction: column;
  }

  .footer-nav {
    align-items: flex-start;
  }
}

@media (max-width: 540px) {
  .hero {
    padding: 32px 0 28px;
  }

  .section {
    padding: 38px 0;
  }

  .hero-headline {
    font-size: 1.4rem;
  }

  .section-title {
    font-size: 1.35rem;
  }

  .modal-box {
    padding: 26px 18px;
  }
}