:root {
  --ink: #18324a;
  --muted: #5f6f7b;
  --teal: #087f78;
  --teal-dark: #00645e;
  --mint: #e7f5f1;
  --blue: #eaf5ff;
  --warm: #f8f7f2;
  --white: #fff;
  --line: #d8e2e2;
  --danger: #9f2f21;
  --shadow: 0 16px 45px rgba(24, 50, 74, .08);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--warm);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-width: 320px; background: var(--warm); color: var(--ink); }
button, input, select { font: inherit; }
a { color: inherit; }
.container { width: min(1200px, calc(100% - 48px)); margin-inline: auto; }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 100; padding: 12px 16px; background: var(--ink); color: white; }
.skip-link:focus { top: 12px; }

.site-header { position: sticky; top: 0; z-index: 20; border-bottom: 1px solid rgba(216,226,226,.8); background: rgba(248,247,242,.92); backdrop-filter: blur(14px); }
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; font-size: 24px; letter-spacing: -.03em; color: var(--teal-dark); }
.brand-mark { width: 35px; height: 28px; display: inline-block; position: relative; border-bottom: 8px solid var(--teal); border-left: 8px solid var(--teal); transform: skew(-11deg) rotate(-44deg); border-radius: 2px 2px 6px 2px; }
.brand-mark::after { content: ""; position: absolute; right: -10px; top: 11px; width: 17px; height: 9px; border: 5px solid var(--teal); border-left: 0; border-bottom: 0; border-radius: 70% 80% 0 0; transform: rotate(32deg); }
.nav-links { display: flex; gap: 28px; align-items: center; }
.nav-links a { text-decoration: none; color: #263b48; }
.nav-links a:hover, .nav-links a:focus-visible { color: var(--teal); }
.locale { font-size: 14px; color: var(--muted); }

.button { min-height: 48px; border: 1px solid var(--teal); border-radius: 9px; padding: 12px 22px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; text-decoration: none; font-weight: 700; cursor: pointer; transition: transform .18s ease, background .18s ease, box-shadow .18s ease; }
.button:hover { transform: translateY(-1px); }
.button:focus-visible, input:focus-visible, select:focus-visible, .choice:focus-within { outline: 3px solid rgba(8,127,120,.22); outline-offset: 2px; }
.button-primary { color: white; background: var(--teal); box-shadow: 0 9px 22px rgba(8,127,120,.17); }
.button-primary:hover { background: var(--teal-dark); }
.button-secondary { color: var(--teal-dark); background: transparent; }
.button-wide { width: 100%; }

.hero { padding: 76px 0 84px; display: grid; grid-template-columns: 1.05fr .95fr; gap: 68px; align-items: center; }
.eyebrow { margin: 0 0 18px; color: var(--teal-dark); font-size: 13px; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
h1, h2, h3 { font-family: "DM Sans", Inter, ui-sans-serif, system-ui, sans-serif; letter-spacing: -.035em; }
h1 { margin: 0; font-size: clamp(42px, 5vw, 68px); line-height: 1.03; }
.lead { max-width: 670px; margin: 26px 0 0; color: #3e545e; font-size: 19px; line-height: 1.65; }
.hero-actions { display: flex; gap: 14px; margin-top: 34px; }
.trust-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 20px; padding: 25px 0 0; margin: 32px 0 0; border-top: 1px solid var(--line); color: #30506a; }
.trust-list li::before { content: "✓"; color: var(--teal); font-weight: 900; margin-right: 10px; }

.preview-board { position: relative; min-height: 505px; border-radius: 28px; overflow: hidden; background: linear-gradient(145deg, #dff0fe 0%, #e7f5f1 100%); padding: 34px; box-shadow: var(--shadow); }
.preview-board::before { content: ""; position: absolute; width: 260px; height: 260px; right: -70px; top: -80px; border-radius: 50%; background: rgba(255,255,255,.62); }
.mini-window { position: relative; background: rgba(255,255,255,.9); border: 1px solid rgba(216,226,226,.9); border-radius: 18px; padding: 24px; box-shadow: 0 12px 30px rgba(24,50,74,.08); }
.mini-title { font-weight: 800; font-size: 18px; }
.mini-sub { margin-top: 6px; color: var(--muted); font-size: 13px; }
.amount { margin: 24px 0 7px; font-size: 36px; font-weight: 800; letter-spacing: -.04em; }
.range { height: 8px; background: #c9dfe9; border-radius: 99px; overflow: hidden; }
.range span { display: block; width: 68%; height: 100%; background: var(--teal); border-radius: inherit; }
.offer-stack { display: grid; gap: 12px; margin-top: 24px; }
.offer-row { display: grid; grid-template-columns: 42px 1fr auto; align-items: center; gap: 14px; padding: 15px; background: white; border: 1px solid var(--line); border-radius: 13px; }
.offer-icon { width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; color: var(--teal-dark); background: var(--mint); font-weight: 900; }
.offer-row b { display: block; }
.offer-row small { color: var(--muted); }
.match { color: var(--teal-dark); font-weight: 800; }
.privacy-note { position: absolute; left: 34px; right: 34px; bottom: 30px; display: flex; align-items: center; gap: 10px; color: #395b62; font-size: 13px; }

.section { padding: 82px 0; }
.section-soft { background: #f1f8fd; border-block: 1px solid #e0ebef; }
.section-heading { text-align: center; max-width: 680px; margin: 0 auto 44px; }
.section-heading h2 { margin: 0; font-size: clamp(32px, 4vw, 46px); }
.section-heading p { margin: 14px 0 0; color: var(--muted); line-height: 1.6; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step-card { border: 1px solid var(--line); border-radius: 18px; background: white; padding: 30px; min-height: 246px; }
.step-number { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: var(--blue); color: var(--teal-dark); font-size: 20px; font-weight: 900; }
.step-card h3 { margin: 24px 0 10px; font-size: 25px; }
.step-card p { margin: 0; color: var(--muted); line-height: 1.65; }
.disclosure { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
.disclosure-card { border-radius: 18px; padding: 30px; background: var(--mint); }
.disclosure-card h2 { margin-top: 0; font-size: 32px; }
.disclosure-card p, .fine-print { color: #435961; line-height: 1.65; }

.site-footer { border-top: 1px solid var(--line); background: white; }
.footer-inner { min-height: 126px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 20px; color: var(--muted); font-size: 14px; }
.footer-links a:hover { color: var(--teal); }

.flow-page { min-height: 100vh; background: var(--warm); }
.flow-header { border-bottom: 1px solid var(--line); background: white; }
.flow-header .container { min-height: 70px; display: flex; align-items: center; justify-content: space-between; }
.back-link { text-decoration: none; color: var(--muted); font-weight: 700; }
.flow-main { width: min(720px, calc(100% - 32px)); margin: 56px auto 80px; }
.form-card { border: 1px solid var(--line); border-radius: 20px; background: white; padding: 42px; box-shadow: 0 5px 16px rgba(24,50,74,.04); }
.progress-meta { display: flex; justify-content: space-between; margin-bottom: 10px; color: var(--muted); font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.progress-track { height: 7px; overflow: hidden; border-radius: 99px; background: #dbeaf5; }
.progress-bar { display: block; height: 100%; width: 25%; border-radius: inherit; background: var(--teal); transition: width .25s ease; }
.form-step { display: none; padding-top: 34px; }
.form-step.active { display: block; }
.form-step h1 { font-size: clamp(32px, 6vw, 46px); }
.form-step > p { color: var(--muted); line-height: 1.6; }
.field { margin-top: 26px; }
.field label, .field legend { display: block; margin-bottom: 10px; font-weight: 700; }
.field input[type="number"], .field select { width: 100%; min-height: 54px; border: 1px solid #bfcaca; border-radius: 9px; background: white; padding: 12px 14px; color: var(--ink); }
.choices { border: 0; padding: 0; margin: 26px 0 0; display: grid; gap: 10px; }
.choice { position: relative; display: flex; align-items: center; min-height: 58px; border: 1px solid #bfcaca; border-radius: 10px; padding: 14px 16px; cursor: pointer; }
.choice:has(input:checked) { border-color: var(--teal); background: #f2fbf8; box-shadow: 0 0 0 1px var(--teal); }
.choice input { width: 19px; height: 19px; accent-color: var(--teal); margin: 0 14px 0 0; }
.form-actions { display: flex; gap: 12px; margin-top: 32px; }
.form-actions .button { flex: 1; }
.form-error { min-height: 22px; margin: 14px 0 0; color: var(--danger); font-weight: 700; }
.security-line { margin: 22px auto 0; text-align: center; color: var(--muted); font-size: 13px; line-height: 1.5; }

.results-main { padding: 66px 0 90px; }
.results-main h1 { max-width: 840px; }
.search-summary { margin-top: 34px; border: 1px solid #bfd2dc; border-radius: 14px; background: #dff0fe; padding: 22px 26px; display: flex; justify-content: space-between; align-items: center; gap: 18px; }
.summary-label { display: block; margin-bottom: 5px; font-size: 12px; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.empty-state { margin-top: 34px; border: 1px solid var(--line); border-radius: 18px; background: white; padding: 42px; display: grid; grid-template-columns: 64px 1fr; gap: 24px; }
.empty-icon { width: 64px; height: 64px; display: grid; place-items: center; border-radius: 18px; background: var(--mint); color: var(--teal); font-size: 30px; font-weight: 900; }
.empty-state h2 { margin: 0 0 10px; font-size: 30px; }
.empty-state p { color: var(--muted); line-height: 1.65; }
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 28px; }
.info-card { border: 1px solid var(--line); border-radius: 14px; background: white; padding: 24px; }
.info-card h3 { margin-top: 0; font-size: 20px; }
.info-card p { color: var(--muted); line-height: 1.55; }
.legal-page { padding: 64px 0 90px; }
.legal-page article { max-width: 780px; }
.legal-page h1 { font-size: clamp(38px, 5vw, 58px); }
.legal-page h2 { margin-top: 38px; font-size: 27px; }
.legal-page p, .legal-page li { color: #435861; line-height: 1.75; }

.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.topic-card, .guide-card { display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: 18px; background: white; padding: 28px; text-decoration: none; box-shadow: 0 6px 20px rgba(24,50,74,.035); }
.topic-card h3, .guide-card h2, .guide-card h3 { margin: 15px 0 10px; font-size: 25px; }
.topic-card p, .guide-card p { margin: 0; color: var(--muted); line-height: 1.65; }
.card-kicker { color: var(--teal-dark); font-size: 12px; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.card-link { margin-top: auto; padding-top: 24px; color: var(--teal-dark); font-weight: 800; }
.topic-card:hover, .topic-card:focus-visible, .guide-card:hover, .guide-card:focus-visible { border-color: var(--teal); transform: translateY(-2px); box-shadow: var(--shadow); }
.check-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 52px; align-items: start; }
.check-grid h2 { margin: 0; font-size: clamp(32px, 4vw, 46px); }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.checklist li { position: relative; padding: 18px 20px 18px 54px; border: 1px solid var(--line); border-radius: 13px; background: white; line-height: 1.55; }
.checklist li::before { content: "✓"; position: absolute; left: 19px; top: 17px; width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; color: white; background: var(--teal); font-size: 13px; font-weight: 900; }
.text-link { color: var(--teal-dark); font-weight: 800; }
.content-hero { padding: 66px 0 48px; max-width: 900px; }
.content-hero h1 { font-size: clamp(40px, 5vw, 62px); }
.breadcrumb { margin-bottom: 22px; color: var(--muted); font-size: 14px; }
.breadcrumb a { color: var(--teal-dark); }
.content-meta { margin-top: 22px; color: var(--muted); font-size: 14px; }
.article-layout { display: grid; grid-template-columns: minmax(0, 760px) 280px; gap: 62px; align-items: start; padding-bottom: 90px; }
.article-body h2 { margin: 42px 0 14px; font-size: 31px; }
.article-body h3 { margin: 30px 0 10px; font-size: 23px; }
.article-body p, .article-body li { color: #435861; font-size: 17px; line-height: 1.78; }
.article-body li + li { margin-top: 9px; }
.article-body a { color: var(--teal-dark); }
.article-aside { position: sticky; top: 102px; display: grid; gap: 18px; }
.aside-card, .callout { border: 1px solid var(--line); border-radius: 16px; background: white; padding: 24px; }
.aside-card h2, .aside-card h3 { margin-top: 0; font-size: 21px; }
.aside-card p, .aside-card li { color: var(--muted); line-height: 1.6; }
.callout { margin: 30px 0; border-left: 5px solid var(--teal); background: var(--mint); }
.callout strong { display: block; margin-bottom: 6px; }
.source-list { padding-left: 20px; }
.source-list li { margin-bottom: 11px; }
.source-list a { color: var(--teal-dark); }
.faq-list { max-width: 850px; margin: 0 auto; display: grid; gap: 12px; }
.faq-list details { border: 1px solid var(--line); border-radius: 14px; background: white; padding: 0 22px; }
.faq-list summary { cursor: pointer; padding: 21px 34px 21px 0; font-weight: 800; font-size: 18px; }
.faq-list details p { margin: -2px 0 22px; color: var(--muted); line-height: 1.7; }
.guide-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; padding-bottom: 84px; }
.notice-bar { padding: 15px 0; border-bottom: 1px solid #cfe1df; background: var(--mint); color: #31575a; text-align: center; font-size: 14px; }
.notice-bar p { margin: 0; }

@media (max-width: 860px) {
  .nav-links, .nav .locale { display: none; }
  .container { width: min(100% - 32px, 720px); }
  .hero { grid-template-columns: 1fr; padding: 54px 0 68px; gap: 42px; }
  .preview-board { min-height: 450px; }
  .steps, .info-grid, .disclosure, .card-grid, .check-grid, .article-layout { grid-template-columns: 1fr; }
  .article-aside { position: static; }
  .footer-inner { align-items: flex-start; flex-direction: column; padding-block: 34px; }
}

@media (max-width: 560px) {
  .brand { font-size: 19px; }
  .nav .button { padding-inline: 14px; font-size: 14px; }
  h1 { font-size: 39px; }
  .lead { font-size: 17px; }
  .hero-actions { flex-direction: column; }
  .trust-list { grid-template-columns: 1fr; border: 1px solid var(--line); border-radius: 14px; background: white; padding: 22px; }
  .preview-board { display: none; }
  .section { padding: 64px 0; }
  .steps { gap: 14px; }
  .step-card { min-height: 0; }
  .form-card { padding: 26px 20px; }
  .flow-main { margin-top: 28px; }
  .form-actions { flex-direction: column-reverse; }
  .search-summary { align-items: flex-start; flex-direction: column; }
  .empty-state { grid-template-columns: 1fr; padding: 28px 22px; }
  .guide-grid { grid-template-columns: 1fr; }
  .topic-card, .guide-card { padding: 23px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}