*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
:root{--header-height:69px}
body{font-family:"Inter","Helvetica Neue",Arial,sans-serif;font-size:16px;line-height:1.65;color:#1F2933;background:#FAFAF9;-webkit-font-smoothing:antialiased}

.header{position:sticky;top:0;z-index:100;background:rgba(250,250,249,0.95);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid rgba(31,41,51,0.08)}
.header-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:16px 24px}
.logo{display:flex;align-items:center;text-decoration:none}
.logo img{height:36px;width:auto}
.nav{display:flex;gap:28px;align-items:center}
.nav a{color:#3A3F45;text-decoration:none;font-size:15px;font-weight:400;transition:color .2s;letter-spacing:.01em}
.nav a:hover{color:#4A6FA5}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;color:#3A3F45}
.nav-toggle span{display:block;width:24px;height:2px;background:#3A3F45;margin:5px 0;transition:.3s}

.hero{position:relative;background-size:cover;background-position:center;background-repeat:no-repeat;min-height:460px;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 24px}
.hero-overlay{position:absolute;inset:0;background:rgba(31,41,51,0.55)}
.hero-content{position:relative;z-index:1;max-width:700px}
.hero h1{font-size:clamp(28px,5vw,44px);font-weight:600;color:#FAFAF9;line-height:1.25;letter-spacing:-.01em;margin-bottom:32px}
.cta-button{display:inline-block;background:#4A6FA5;color:#FAFAF9;font-size:17px;font-weight:500;padding:14px 40px;border-radius:6px;text-decoration:none;transition:background .25s,transform .15s;letter-spacing:.02em}
.cta-button:hover{background:#3E5F8C;transform:translateY(-1px)}
.cta-button:active{transform:translateY(0)}

main{max-width:1100px;margin:0 auto;padding:64px 24px}
.section{margin-bottom:64px}
.section:last-child{margin-bottom:0}
.section h2{font-size:clamp(22px,3.5vw,30px);font-weight:600;color:#1F2933;line-height:1.35;margin-bottom:20px;letter-spacing:-.01em}
.section h3{font-size:clamp(18px,2.5vw,22px);font-weight:600;color:#3A3F45;line-height:1.4;margin:28px 0 12px}
.section p{margin-bottom:16px;color:#3A3F45}
.section p:last-child{margin-bottom:0}
.section ul,.section ol{margin:16px 0 16px 24px;color:#3A3F45}
.section li{margin-bottom:8px;padding-left:4px}
.section li:last-child{margin-bottom:0}
.section strong{color:#1F2933;font-weight:600}
.section a{color:#4A6FA5;text-decoration:underline;text-underline-offset:3px;transition:color .2s}
.section a:hover{color:#3E5F8C}

.cta-section{text-align:center;padding:48px 0 16px}
.cta-section .cta-button{margin-top:8px}

.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px;margin-top:24px}
.card{background:#F5F3EF;border-radius:8px;padding:32px;transition:box-shadow .25s}
.card h3{font-size:18px;font-weight:600;color:#1F2933;margin:0 0 8px}
.card p{font-size:15px;color:#3A3F45;margin:0}
.card a{color:#4A6FA5;text-decoration:none;font-weight:500;font-size:15px;display:inline-block;margin-top:12px}
.card a:hover{text-decoration:underline}

.inline-image{margin:32px 0;border-radius:8px;overflow:hidden}
.inline-image img{display:block;width:100%;height:auto;border-radius:8px}

.dos-donts{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:16px}
.dos-donts h3{margin-top:0}
.do-list{color:#1F2933}
.do-list li::marker{content:"✓ ";color:#4A6FA5;font-weight:600}
.dont-list{color:#3A3F45}
.dont-list li::marker{content:"✗ ";color:#8B7E74;font-weight:600}

.steps{list-style:none;margin-left:0!important;counter-reset:step}
.steps li{counter-increment:step;position:relative;padding-left:48px;margin-bottom:20px}
.steps li::before{content:counter(step);position:absolute;left:0;top:-2px;width:32px;height:32px;background:#4A6FA5;color:#FAFAF9;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:600}

.vignette{border-left:3px solid #4A6FA5;padding:20px 24px;margin:20px 0;background:#F5F3EF;border-radius:0 6px 6px 0}
.vignette strong{display:block;margin-bottom:6px;font-size:16px}
.vignette p{font-size:15px;margin:0}

.comparison-table{width:100%;border-collapse:collapse;margin:24px 0}
.comparison-table th,.comparison-table td{padding:14px 20px;text-align:left;border-bottom:1px solid rgba(31,41,51,0.1)}
.comparison-table th{font-weight:600;color:#1F2933;font-size:14px;text-transform:uppercase;letter-spacing:.05em}
.comparison-table td{color:#3A3F45;font-size:15px}

.checklist{list-style:none;margin-left:0!important}
.checklist li{padding-left:32px;position:relative;margin-bottom:10px}
.checklist li::before{content:"☐";position:absolute;left:0;color:#4A6FA5;font-size:16px}
.checklist li strong{display:inline}

.red-flags{list-style:none;margin-left:0!important}
.red-flags li{padding:12px 16px;margin-bottom:8px;background:#F5F3EF;border-radius:6px;border-left:3px solid #8B7E74}
.red-flags li strong{display:block;margin-bottom:4px;font-size:15px;color:#1F2933}
.red-flags li{color:#3A3F45;font-size:14px}

.faq-list{margin-top:16px}
.faq-list dt{font-weight:600;color:#1F2933;margin-bottom:6px;font-size:16px}
.faq-list dd{color:#3A3F45;margin:0 0 24px 0;font-size:15px}
.faq-list dd:last-child{margin-bottom:0}

.legal-section{margin-bottom:40px}
.legal-section h2{font-size:clamp(20px,3vw,26px);font-weight:600;color:#1F2933;margin-bottom:16px}
.legal-section h3{font-size:18px;font-weight:600;color:#3A3F45;margin:20px 0 10px}
.legal-section p{margin-bottom:12px;color:#3A3F45}
.legal-section ul,.legal-section ol{margin:12px 0 12px 24px;color:#3A3F45}
.legal-section li{margin-bottom:6px}

.legal-main{padding:80px 24px}
.legal-page .hero{display:none}

.footer{background:#1F2933;color:#F5F3EF;padding:64px 24px 32px;margin-top:80px}
.footer-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
.footer-brand p{color:#9CA3AF;font-size:14px;margin-top:16px;max-width:280px}
.footer-brand img{height:32px;width:auto}
.footer-col h4{font-size:14px;font-weight:600;color:#FAFAF9;text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px}
.footer-col a{display:block;color:#9CA3AF;text-decoration:none;font-size:14px;margin-bottom:10px;transition:color .2s}
.footer-col a:hover{color:#4A6FA5}
.footer-bottom{max-width:1100px;margin:40px auto 0;padding-top:24px;border-top:1px solid rgba(245,243,239,0.1);font-size:13px;color:#6B7280;text-align:center}

@media(max-width:768px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#FAFAF9;flex-direction:column;padding:20px 24px;border-bottom:1px solid rgba(31,41,51,0.08);gap:16px}
  .nav.active{display:flex}
  .nav-toggle{display:block}
  .hero{min-height:calc(100vh - var(--header-height));padding:40px 20px}
  .hero h1{font-size:26px}
  main{padding:40px 20px}
  .section{margin-bottom:48px}
  .card-grid{grid-template-columns:1fr}
  .dos-donts{grid-template-columns:1fr;gap:24px}
  .footer-inner{grid-template-columns:1fr 1fr;gap:32px}
  .comparison-table,.comparison-table thead,.comparison-table tbody,.comparison-table th,.comparison-table td,.comparison-table tr{display:block}
  .comparison-table thead{display:none}
  .comparison-table td{padding:12px 16px;border-bottom:1px solid rgba(31,41,51,0.06)}
  .legal-main{padding:48px 20px}
}

@media(max-width:480px){
  :root{--header-height:61px}
  .header-inner{padding:12px 16px}
  .hero{min-height:calc(100vh - var(--header-height));padding:32px 16px}
  .hero h1{font-size:22px}
  .cta-button{font-size:15px;padding:12px 32px}
  main{padding:32px 16px}
  .section h2{font-size:20px}
  .footer-inner{grid-template-columns:1fr;gap:28px}
}