:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --ink: #16202e;
  --muted: #55627a;
  --line: #d9e0ea;
  --brand: #0b5fb0;
  --brand-ink: #ffffff;
  --brand-soft: #e6f0fb;
  --ok: #1a7f4b;
  --err: #b42318;
  --radius: 14px;
  --shadow: 0 8px 30px rgba(22, 32, 46, 0.08);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 18px;
  line-height: 1.5;
  color: var(--ink);
  background: var(--bg);
}
a { color: var(--brand); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 16px; }
.wrap.narrow { max-width: 720px; }
.row { display: flex; align-items: center; justify-content: space-between; gap: 16px; }

.top { background: var(--surface); border-bottom: 1px solid var(--line); }
.top .wrap { min-height: 60px; }
.brand { font-weight: 700; text-decoration: none; color: var(--ink); font-size: 18px; }
.phone { font-weight: 600; text-decoration: none; }

.hero { padding: 28px 0 40px; }
.hero.center { text-align: left; }
.hero-grid { display: grid; grid-template-columns: 1fr; gap: 24px; align-items: start; }
@media (min-width: 900px) {
  .hero { padding: 56px 0 64px; }
  .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 48px; }
}
.eyebrow { color: var(--brand); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; font-size: 13px; margin: 0 0 8px; }
h1 { font-size: 32px; line-height: 1.15; margin: 0 0 14px; letter-spacing: -0.01em; }
@media (min-width: 900px) { h1 { font-size: 44px; } }
.sub { font-size: 19px; color: var(--muted); margin: 0 0 22px; }
.trust { list-style: none; padding: 0; margin: 18px 0 0; display: flex; flex-wrap: wrap; gap: 8px 18px; color: var(--muted); font-size: 15px; }
.trust li::before { content: "✓ "; color: var(--ok); font-weight: 700; }
#hero-cta { display: none; }
@media (max-width: 899px) { #hero-cta { display: inline-block; } }

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 22px 18px 18px;
}
@media (min-width: 600px) { .card { padding: 28px 28px 22px; } }
.progress { height: 6px; background: var(--brand-soft); border-radius: 999px; overflow: hidden; }
.progress-bar { height: 100%; width: 6%; background: var(--brand); transition: width .3s ease; }
.progress-label { font-size: 13px; color: var(--muted); margin: 8px 0 14px; }

.q-title { font-size: 22px; line-height: 1.3; margin: 0 0 6px; }
.q-help { color: var(--muted); font-size: 16px; margin: 0 0 16px; }
.q-body { display: flex; flex-direction: column; gap: 10px; }

.opt {
  width: 100%; text-align: left; font: inherit; font-size: 18px; font-weight: 600;
  padding: 16px 18px; border-radius: 12px; border: 2px solid var(--line);
  background: var(--surface); color: var(--ink); cursor: pointer;
  transition: border-color .15s, background .15s, transform .05s;
  min-height: 56px;
}
.opt:hover { border-color: var(--brand); background: var(--brand-soft); }
.opt:active { transform: scale(.995); }
.opt.selected { border-color: var(--brand); background: var(--brand-soft); }
.opt.multi::before { content: ""; display: inline-block; width: 18px; height: 18px; border: 2px solid var(--line); border-radius: 5px; margin-right: 12px; vertical-align: -3px; background: #fff; }
.opt.multi.selected::before { background: var(--brand); border-color: var(--brand); box-shadow: inset 0 0 0 3px #fff; }

.btn {
  font: inherit; font-weight: 700; border-radius: 12px; cursor: pointer; border: 0;
  padding: 14px 20px; min-height: 52px;
}
.btn.primary { background: var(--brand); color: var(--brand-ink); }
.btn.primary:hover { filter: brightness(1.06); }
.btn.primary:disabled { opacity: .7; cursor: default; }
.btn.big { font-size: 19px; width: 100%; }
.btn.link { background: none; color: var(--muted); padding: 10px 0; min-height: 0; font-weight: 600; }
.back { margin-top: 12px; }

.field { display: block; margin-bottom: 12px; }
.field span { display: block; font-weight: 600; font-size: 15px; margin-bottom: 6px; }
.input {
  width: 100%; font: inherit; font-size: 18px; padding: 14px 14px; min-height: 54px;
  border: 2px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink);
}
.input:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft); }
select.input { appearance: auto; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--muted); margin: 8px 0 14px; line-height: 1.4; }
.consent input { width: 20px; height: 20px; margin-top: 2px; flex: 0 0 auto; }
.err { color: var(--err); font-size: 14px; margin: 4px 0 0; min-height: 0; }
.err:empty { display: none; }
.note { font-size: 13px; color: var(--muted); margin: 10px 0 0; text-align: center; }
.reassure { font-size: 13px; color: var(--muted); margin: 16px 0 0; text-align: center; }

.how, .faq { padding: 36px 0; }
.how { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
h2 { font-size: 24px; margin: 0 0 16px; }
.steps { padding-left: 22px; margin: 0; }
.steps li { margin-bottom: 12px; }
details { border-bottom: 1px solid var(--line); padding: 12px 0; }
summary { font-weight: 700; cursor: pointer; font-size: 18px; }
details p { color: var(--muted); margin: 8px 0 0; }

.foot { padding: 28px 0 40px; }
.disclosures p { font-size: 12.5px; color: var(--muted); line-height: 1.45; margin: 0 0 10px; }
.fine { font-size: 13px; color: var(--muted); margin-top: 16px; }

.page { padding: 32px 0 48px; }
.prose h2 { font-size: 20px; margin-top: 28px; }
.prose p { color: var(--muted); }

@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }