:root {
  --bg: #ffffff;
  --bg-alt: #f5f6f8;
  --ink: #0f1420;
  --muted: #545b69;
  --line: #e3e6eb;
  --accent: #3d5afe;
  --accent-ink: #ffffff;
  --accent-soft: #e8ecff;
  --good: #1f9d6a;
  --radius: 14px;
  --shadow: 0 1px 2px rgb(15 20 32 / 6%), 0 8px 24px rgb(15 20 32 / 8%);
  --font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0b0f18;
    --bg-alt: #111726;
    --ink: #e9ecf2;
    --muted: #a3abba;
    --line: #232b3d;
    --accent: #7b8cff;
    --accent-ink: #0b0f18;
    --accent-soft: #1b2340;
    --shadow: 0 1px 2px rgb(0 0 0 / 30%), 0 8px 24px rgb(0 0 0 / 35%);
    color-scheme: dark;
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 17px/1.6 var(--font); }
img, svg { display: block; max-width: 100%; }
a { color: var(--accent); }
h1, h2, h3 { line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }

.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }
.narrow { width: min(760px, 100% - 32px); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; background: var(--ink); color: var(--bg); padding: 8px 12px; border-radius: 8px; z-index: 10; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: var(--accent); margin-bottom: .6em; }

/* header */
.top { position: sticky; top: 0; z-index: 5; background: color-mix(in srgb, var(--bg) 88%, transparent); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.top__row { display: flex; align-items: center; gap: 24px; height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.1rem; color: var(--ink); text-decoration: none; }
.brand__mark { width: 28px; height: 28px; color: var(--ink); }
.nav { display: flex; gap: 22px; margin-left: 12px; }
.nav a { color: var(--muted); text-decoration: none; font-size: .95rem; }
.nav a:hover { color: var(--ink); }
.top__cta { margin-left: auto; display: flex; gap: 10px; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 10px 18px; border-radius: 10px; background: var(--accent); color: var(--accent-ink); font-weight: 650; text-decoration: none; border: 1px solid transparent; transition: transform .12s ease, box-shadow .12s ease; }
.btn:hover { transform: translateY(-1px); box-shadow: var(--shadow); }
.btn:focus-visible { outline: 3px solid color-mix(in srgb, var(--accent) 45%, transparent); outline-offset: 2px; }
.btn--ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn--lg { padding: 14px 22px; font-size: 1.02rem; }
.btn--light { background: #fff; color: #0f1420; }

/* hero */
.hero { padding: 72px 0 56px; background: radial-gradient(1200px 500px at 85% -10%, var(--accent-soft), transparent 60%); }
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 36em; }
.lead strong { color: var(--ink); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 14px; }
.hero__note { color: var(--muted); font-size: .92rem; }

/* illustrative report */
.card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.report { position: relative; margin: 0; }
.report__tag { position: absolute; top: -11px; right: 16px; background: var(--ink); color: var(--bg); font-size: .72rem; font-weight: 700; padding: 3px 9px; border-radius: 999px; letter-spacing: .04em; }
.report__title { font-weight: 700; margin-bottom: 14px; }
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 18px; }
.tile { background: var(--bg-alt); border-radius: 10px; padding: 12px; display: grid; }
.tile__k { font-size: .78rem; color: var(--muted); }
.tile__v { font-size: 1.6rem; font-weight: 800; letter-spacing: -0.02em; }
.tile__n { font-size: .72rem; color: var(--muted); }
.report__sub { font-size: .82rem; color: var(--muted); margin-bottom: 8px; }
.bars { list-style: none; padding: 0; margin: 0 0 16px; display: grid; gap: 8px; }
.bars li { display: grid; grid-template-columns: 88px 1fr 44px; gap: 10px; align-items: center; font-size: .9rem; }
.bars b { text-align: right; font-weight: 700; }
.bar { height: 8px; background: var(--bg-alt); border-radius: 99px; overflow: hidden; }
.bar i { display: block; height: 100%; width: var(--w); background: color-mix(in srgb, var(--muted) 55%, transparent); border-radius: 99px; }
.bars__you { font-weight: 700; }
.bars__you .bar i { background: var(--accent); }
.report__quote { margin: 0; padding: 12px 14px; border-left: 3px solid var(--accent); background: var(--bg-alt); border-radius: 0 10px 10px 0; font-size: .9rem; }
.report__quote span { display: block; font-style: italic; }
.report__quote small { color: var(--muted); font-size: .74rem; }
mark { background: color-mix(in srgb, #f5b400 35%, transparent); color: inherit; padding: 0 2px; border-radius: 3px; }

/* bands and sections */
.band { background: var(--ink); color: var(--bg); padding: 28px 0; }
.band p { margin: 0; font-size: 1.15rem; max-width: 60em; }
.section { padding: 84px 0; }
.section--alt { background: var(--bg-alt); }
.steps { list-style: none; padding: 0; margin: 32px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: s; }
.steps li { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.steps p, .feature p { color: var(--muted); margin: 0; }
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 32px; }
.feature { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.split { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; }
.checks { list-style: none; padding: 0; margin: 20px 0 28px; display: grid; gap: 10px; }
.checks li { padding-left: 28px; position: relative; }
.checks li::before { content: ""; position: absolute; left: 0; top: .45em; width: 16px; height: 9px; border-left: 3px solid var(--good); border-bottom: 3px solid var(--good); transform: rotate(-45deg); }
.quote p { font-size: 1.3rem; line-height: 1.45; font-weight: 600; margin: 0; }

/* faq */
details { border-bottom: 1px solid var(--line); padding: 16px 0; }
details:first-of-type { border-top: 1px solid var(--line); margin-top: 24px; }
summary { cursor: pointer; font-weight: 650; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; color: var(--accent); font-weight: 800; }
details[open] summary::after { content: "–"; }
details p { color: var(--muted); margin: 12px 0 0; }

/* cta */
.cta { background: linear-gradient(135deg, #1b2a6b, #3d5afe); color: #fff; text-align: center; }
.cta h2 { color: #fff; }
.cta p { color: rgb(255 255 255 / 85%); }
.cta a:not(.btn) { color: #fff; }
.cta__small { font-size: .92rem; margin: 20px 0 0; }

/* footer */
.foot { border-top: 1px solid var(--line); padding: 28px 0; color: var(--muted); font-size: .92rem; }
.foot__row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; }
.foot p { margin: 0; }
.foot nav { display: flex; flex-wrap: wrap; gap: 18px; }
.foot a { color: var(--muted); }

/* legal pages */
.doc { padding: 56px 0 84px; }
.doc h1 { font-size: 2rem; }
.doc h2 { font-size: 1.25rem; margin-top: 1.8em; }
.doc p, .doc li { color: var(--muted); }
.doc strong { color: var(--ink); }

@media (max-width: 960px) {
  .hero__grid, .split { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .grid3 { grid-template-columns: 1fr 1fr; }
  .nav { display: none; }
}
@media (max-width: 620px) {
  .steps, .grid3 { grid-template-columns: 1fr; }
  .tile { padding: 10px; }
  .tile__v { font-size: 1.3rem; }
  .top__cta .btn--ghost { display: none; }
  .section { padding: 60px 0; }
  .hero { padding: 48px 0 40px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}