:root {
  color-scheme: light;
  --bg: #f7f9fc;
  --surface: #ffffff;
  --ink: #172033;
  --muted: #5f6f86;
  --line: #d8e0ea;
  --accent: #176b87;
  --accent-dark: #104f64;
  --warn: #805900;
  --warn-bg: #fff7df;
  --ok-bg: #eaf8f2;
  --shadow: 0 18px 50px rgba(23, 32, 51, 0.10);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.5;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 72px;
  padding: 12px 18px;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--accent);
  color: #fff;
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.nav-toggle {
  display: inline-grid;
  gap: 4px;
  width: 42px;
  height: 42px;
  place-content: center;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--ink);
}

.site-nav {
  position: absolute;
  top: 72px;
  left: 12px;
  right: 12px;
  display: none;
  padding: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow);
}

.site-nav.open {
  display: grid;
}

.site-nav a {
  padding: 12px;
  color: var(--muted);
  text-decoration: none;
  font-weight: 700;
}

.section-pad {
  padding: 48px 18px;
}

.section-muted {
  background: #edf3f8;
}

.hero {
  display: grid;
  gap: 24px;
  background:
    linear-gradient(135deg, rgba(23, 107, 135, 0.12), transparent 45%),
    var(--bg);
}

.hero-copy,
.trust-panel,
.section-heading,
.application-card,
.payment-card,
.policy-grid,
.site-footer {
  width: min(100%, 1120px);
  margin-inline: auto;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--accent);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  margin: 0;
  max-width: 820px;
  font-size: clamp(34px, 12vw, 68px);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin: 0 0 12px;
  font-size: clamp(26px, 7vw, 42px);
  line-height: 1.08;
}

h3 {
  margin: 0 0 8px;
  font-size: 18px;
}

.lead {
  max-width: 720px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 18px;
}

.hero-actions {
  display: grid;
  gap: 12px;
  margin-top: 26px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 800;
  cursor: pointer;
}

.button.primary {
  background: var(--accent);
  color: #fff;
}

.button.primary:hover {
  background: var(--accent-dark);
}

.button.secondary {
  background: #fff;
  color: var(--ink);
  border-color: var(--line);
}

.button.full {
  width: 100%;
}

.trust-panel,
.application-card,
.payment-card,
.policy-grid article,
.steps article {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 10px 32px rgba(23, 32, 51, 0.06);
}

.trust-panel {
  padding: 22px;
  border-left: 5px solid var(--accent);
}

.trust-panel p,
.section-heading p,
.steps p,
.policy-grid p {
  color: var(--muted);
}

.service-grid,
.steps,
.policy-grid {
  display: grid;
  gap: 14px;
  width: min(100%, 1120px);
  margin: 24px auto 0;
}

.service-card {
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
}

.service-card ul {
  margin: 12px 0 0;
  padding: 0;
  list-style: none;
}

.service-card li {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 10px 0;
  border-top: 1px solid var(--line);
}

.steps article {
  padding: 18px;
}

.steps span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--ok-bg);
  color: var(--accent-dark);
  font-weight: 900;
}

.application-card {
  padding: 18px;
}

fieldset {
  display: grid;
  gap: 14px;
  margin: 0 0 22px;
  padding: 0;
  border: 0;
}

legend {
  margin-bottom: 12px;
  font-size: 18px;
  font-weight: 900;
}

label {
  display: grid;
  gap: 8px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
}

input,
select {
  min-height: 48px;
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  color: var(--ink);
}

input:focus,
select:focus {
  outline: 3px solid rgba(23, 107, 135, 0.18);
  border-color: var(--accent);
}

.fee-box {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  align-items: center;
  padding: 14px;
  background: var(--ok-bg);
  border: 1px solid #b9e7d4;
  border-radius: 12px;
}

.fee-box span {
  color: var(--muted);
  font-weight: 800;
}

.fee-box strong {
  font-size: 20px;
}

.consent-box {
  display: grid;
  gap: 12px;
  margin: 12px 0 18px;
  padding: 14px;
  background: var(--warn-bg);
  border: 1px solid #f3d88d;
  border-radius: 12px;
}

.check-label {
  grid-template-columns: 20px 1fr;
  align-items: start;
  font-weight: 700;
  color: #3f3100;
}

.check-label input {
  width: 20px;
  height: 20px;
  min-height: 20px;
  margin-top: 2px;
  accent-color: var(--accent);
}

.form-error {
  min-height: 24px;
  margin: 0 0 12px;
  color: #b42318;
  font-weight: 800;
}

.payment-section {
  background: #fff;
}

.payment-card {
  display: grid;
  gap: 22px;
  padding: 18px;
}

.summary-list {
  display: grid;
  gap: 10px;
  margin: 20px 0;
}

.summary-list div {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
}

.summary-list dt {
  color: var(--muted);
  font-weight: 800;
}

.summary-list dd {
  margin: 0;
  text-align: right;
  font-weight: 900;
}

.notice {
  padding: 14px;
  color: var(--warn);
  background: var(--warn-bg);
  border: 1px solid #f3d88d;
  border-radius: 12px;
  font-weight: 800;
}

.qr-panel {
  display: grid;
  gap: 12px;
  align-content: start;
  justify-items: center;
}

.qr-panel img {
  width: min(100%, 280px);
  aspect-ratio: 1;
  object-fit: contain;
  padding: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
}

.qr-missing {
  width: 100%;
  margin: 0;
  padding: 12px;
  background: var(--warn-bg);
  border: 1px solid #f3d88d;
  border-radius: 10px;
  color: var(--warn);
  font-weight: 800;
}

.policy-grid article {
  padding: 18px;
}

.site-footer {
  display: grid;
  gap: 18px;
  padding: 28px 18px;
  color: #d9e1eb;
  background: #172033;
}

.site-footer p {
  margin: 6px 0 0;
  color: #aeb9c7;
}

.site-footer a {
  color: #fff;
}

@media (min-width: 720px) {
  .site-header {
    padding-inline: 28px;
  }

  .nav-toggle {
    display: none;
  }

  .site-nav {
    position: static;
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 0;
    border: 0;
    box-shadow: none;
  }

  .site-nav a {
    padding: 10px;
  }

  .section-pad {
    padding: 72px 28px;
  }

  .hero {
    grid-template-columns: 1.25fr 0.75fr;
    align-items: center;
  }

  .hero-actions {
    grid-template-columns: max-content max-content;
  }

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

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

  .span-all {
    grid-column: 1 / -1;
  }

  .payment-card {
    grid-template-columns: 1fr 340px;
    padding: 28px;
  }

  .site-footer {
    grid-template-columns: 1fr 1fr;
    padding-inline: 28px;
  }
}

@media (min-width: 1040px) {
  .service-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .steps {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}