/* === Reset & Base === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: Arial, Helvetica, sans-serif;
  color: #333;
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: #C9A94E; text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; }

/* === Layout === */
.container { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.section { padding: 64px 0; }
.section--navy { background: #1B3A5C; color: #fff; }
.section--light { background: #F8F9FA; }

/* === Header === */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #fff;
  border-bottom: 1px solid #e8e8e8;
  padding: 12px 0;
}
.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.header__logo { height: 40px; width: auto; }
.header__right { display: flex; align-items: center; gap: 16px; }
.header__phone {
  color: #1B3A5C;
  font-weight: 700;
  font-size: 15px;
  white-space: nowrap;
}
.header__phone:hover { text-decoration: none; color: #C9A94E; }

/* === Buttons === */
.btn {
  display: inline-block;
  background: #C9A94E;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
  padding: 12px 28px;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
  text-align: center;
  white-space: nowrap;
}
.btn:hover { background: #b8982f; text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--lg { padding: 16px 36px; font-size: 17px; }
.btn--outline {
  background: transparent;
  border: 2px solid #C9A94E;
  color: #C9A94E;
}
.btn--outline:hover { background: #C9A94E; color: #fff; }
.btn--block { display: block; width: 100%; }

/* === Hero === */
.hero {
  background: linear-gradient(135deg, #1B3A5C 0%, #0f2540 100%);
  color: #fff;
  padding: 72px 0 80px;
}
.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.hero__content h1 {
  font-size: 42px;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 16px;
}
.hero__content h1 span { color: #C9A94E; }
.hero__content p {
  font-size: 18px;
  color: #c8d6e5;
  margin-bottom: 24px;
  line-height: 1.7;
}
.hero__badges {
  display: flex;
  gap: 24px;
  margin-top: 8px;
}
.hero__badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: #a0b4c8;
}
.hero__badge svg { width: 16px; height: 16px; fill: #C9A94E; flex-shrink: 0; }

/* === Lead Form === */
.lead-form {
  background: #fff;
  border-radius: 12px;
  padding: 32px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.2);
}
.lead-form h2 {
  color: #1B3A5C;
  font-size: 22px;
  margin-bottom: 20px;
  text-align: center;
}
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: #1B3A5C;
  margin-bottom: 4px;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 11px 14px;
  font-size: 15px;
  border: 1px solid #d0d5dd;
  border-radius: 6px;
  font-family: inherit;
  background: #fff;
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #C9A94E;
  box-shadow: 0 0 0 3px rgba(201,169,78,0.15);
}
.form-group input.error,
.form-group select.error {
  border-color: #e74c3c;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin: 16px 0;
  font-size: 12px;
  color: #6C757D;
  line-height: 1.5;
}
.form-consent input[type="checkbox"] {
  margin-top: 2px;
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  accent-color: #C9A94E;
}
.form-note {
  text-align: center;
  font-size: 13px;
  color: #6C757D;
  margin-top: 12px;
}
.form-note svg { width: 14px; height: 14px; fill: #C9A94E; vertical-align: -2px; margin-right: 4px; }
.form-success {
  text-align: center;
  padding: 24px 0;
  display: none;
}
.form-success svg { width: 48px; height: 48px; fill: #27ae60; }
.form-success h3 { color: #1B3A5C; margin: 12px 0 8px; font-size: 20px; }
.form-success p { color: #6C757D; font-size: 14px; }
.form-error {
  background: #fdf0ef;
  color: #e74c3c;
  padding: 10px 14px;
  border-radius: 6px;
  font-size: 13px;
  margin-bottom: 14px;
  display: none;
}
.hp-field { position: absolute; left: -9999px; }

/* === Trust Bar === */
.trust-bar {
  background: #fff;
  border-bottom: 1px solid #e8e8e8;
  padding: 20px 0;
}
.trust-bar .container {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: #1B3A5C;
}
.trust-item svg { width: 20px; height: 20px; fill: #C9A94E; flex-shrink: 0; }

/* === Steps === */
.steps { text-align: center; }
.steps h2 { font-size: 32px; color: #1B3A5C; margin-bottom: 48px; }
.steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
}
.step { padding: 0 12px; }
.step__number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #C9A94E;
  color: #fff;
  font-size: 24px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.step h3 { font-size: 18px; color: #1B3A5C; margin-bottom: 8px; }
.step p { font-size: 14px; color: #6C757D; }

/* === Benefits Cards === */
.benefits h2 { font-size: 32px; color: #1B3A5C; text-align: center; margin-bottom: 48px; }
.benefits__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.benefit-card {
  background: #fff;
  border-radius: 12px;
  padding: 28px 24px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.2s, box-shadow 0.2s;
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
.benefit-card__icon {
  width: 44px;
  height: 44px;
  background: rgba(201,169,78,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}
.benefit-card__icon svg { width: 22px; height: 22px; fill: #C9A94E; }
.benefit-card h3 { font-size: 17px; color: #1B3A5C; margin-bottom: 6px; }
.benefit-card p { font-size: 14px; color: #6C757D; line-height: 1.6; }

/* === Situations === */
.situations h2 { font-size: 32px; margin-bottom: 12px; }
.situations > .container > p { color: #c8d6e5; font-size: 16px; margin-bottom: 36px; text-align: center; }
.situations h2 { text-align: center; }
.situations__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  max-width: 700px;
  margin: 0 auto;
}
.situation-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  padding: 12px 16px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  border-left: 3px solid #C9A94E;
}
.situation-item svg { width: 18px; height: 18px; fill: #C9A94E; flex-shrink: 0; }

/* === Testimonials === */
.testimonials h2 { font-size: 32px; color: #1B3A5C; text-align: center; margin-bottom: 48px; }
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: #fff;
  border-radius: 12px;
  padding: 28px 24px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.testimonial-card__stars { color: #C9A94E; font-size: 16px; margin-bottom: 12px; }
.testimonial-card p { font-size: 14px; color: #555; line-height: 1.7; margin-bottom: 16px; font-style: italic; }
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 10px;
}
.testimonial-card__initials {
  width: 40px;
  height: 40px;
  background: #1B3A5C;
  color: #C9A94E;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
}
.testimonial-card__name { font-size: 14px; font-weight: 600; color: #1B3A5C; }
.testimonial-card__loc { font-size: 12px; color: #6C757D; }

/* === FAQ === */
.faq h2 { font-size: 32px; color: #1B3A5C; text-align: center; margin-bottom: 48px; }
.faq__list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid #e8e8e8;
}
.faq-item:first-child { border-top: 1px solid #e8e8e8; }
.faq-item__q {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 0;
  font-size: 16px;
  font-weight: 600;
  color: #1B3A5C;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  font-family: inherit;
}
.faq-item__q:hover { color: #C9A94E; }
.faq-item__q svg {
  width: 20px;
  height: 20px;
  fill: #C9A94E;
  transition: transform 0.2s;
  flex-shrink: 0;
  margin-left: 12px;
}
.faq-item.active .faq-item__q svg { transform: rotate(180deg); }
.faq-item__a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-item.active .faq-item__a { max-height: 300px; }
.faq-item__a p {
  padding: 0 0 18px;
  font-size: 14px;
  color: #6C757D;
  line-height: 1.7;
}

/* === CTA Banner === */
.cta-banner {
  text-align: center;
  padding: 72px 0;
}
.cta-banner h2 { font-size: 34px; margin-bottom: 16px; }
.cta-banner p { color: #c8d6e5; font-size: 17px; margin-bottom: 28px; }
.cta-banner .btn { margin: 0 8px; }

/* === Footer === */
.footer {
  background: #0f2540;
  color: #a0b4c8;
  padding: 48px 0 24px;
  font-size: 14px;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 36px;
}
.footer h4 { color: #fff; font-size: 15px; margin-bottom: 14px; }
.footer__brand p { line-height: 1.7; margin-top: 8px; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 8px; }
.footer ul a { color: #a0b4c8; font-size: 13px; }
.footer ul a:hover { color: #C9A94E; }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer__disclaimer {
  font-size: 11px;
  color: #6a7d91;
  max-width: 600px;
  line-height: 1.6;
}

/* === Responsive === */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; gap: 36px; }
  .hero__content { text-align: center; }
  .hero__content h1 { font-size: 34px; }
  .hero__badges { justify-content: center; }
  .lead-form { max-width: 500px; margin: 0 auto; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .section { padding: 48px 0; }
  .header__phone { display: none; }
  .hero { padding: 48px 0 56px; }
  .hero__content h1 { font-size: 28px; }
  .hero__content p { font-size: 16px; }
  .hero__badges { flex-direction: column; gap: 8px; align-items: center; }
  .form-row { grid-template-columns: 1fr; }
  .steps__grid { grid-template-columns: 1fr; gap: 28px; }
  .benefits__grid { grid-template-columns: 1fr; }
  .situations__grid { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }
  .cta-banner h2 { font-size: 26px; }
  .cta-banner .btn { display: block; margin: 8px 0; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .trust-bar .container { gap: 20px; }
}

/* === Schema/Structured Data (hidden) === */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}