:root {
  --navy-deep: #071A33;
  --navy: #0A2941;
  --navy-card: #133A4B;
  --teal: #12A6A0;
  --teal-bright: #3EC2BC;
  --gold: #E9AF37;
  --light: #F3F8F7;
  --muted: #5B7380;
  --ink: #0A2941;
  --line: #D8E7EC;
  --white: #FFFFFF;
  --max-w: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--light);
  line-height: 1.5;
}
h1, h2, h3 { font-family: Arial, "Segoe UI", sans-serif; font-weight: 800; margin: 0 0 .5em; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }
a { color: inherit; }
img { max-width: 100%; display: block; }

.wrap { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section.dark { background: var(--navy-deep); color: var(--white); }
.section.dark .muted { color: #A9BAC2; }
.section.card-dark .card { background: var(--navy-card); }
.muted { color: var(--muted); }

.kicker {
  display: flex; align-items: center; gap: 12px;
  font-size: 12px; font-weight: 800; letter-spacing: 2px; text-transform: uppercase;
  color: var(--teal); margin-bottom: 20px;
}
.kicker::before { content: ""; width: 32px; height: 3px; background: var(--gold); display: block; }

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .grid-4 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
}

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 28px 24px;
}
.icon-circle {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.icon-circle.teal { background: var(--teal); }
.icon-circle.gold { background: var(--gold); }
.icon-circle img { width: 26px; height: 26px; }

.insight {
  margin-top: 40px; padding: 20px 24px; border-radius: 10px;
  font-weight: 700; font-size: 15px;
}
.section:not(.dark) .insight { border-left: 4px solid var(--gold); background: #fff; }
.section.dark .insight { background: var(--navy-card); }

/* ---------- Header ---------- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(7, 26, 51, 0.92); backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { color: var(--white); font-weight: 900; letter-spacing: 1px; font-size: 18px; text-decoration: none; }
.logo span { color: var(--teal); }
.nav-links { display: flex; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: #C7D6DC; text-decoration: none; font-size: 14px; font-weight: 600; }
.nav-links a:hover { color: var(--white); }
.nav-cta {
  background: var(--teal); color: var(--white); padding: 10px 20px; border-radius: 8px;
  font-weight: 700; font-size: 14px; text-decoration: none;
}
.lang-switch { display: flex; gap: 6px; margin-left: 16px; }
.lang-switch a {
  font-size: 12px; font-weight: 700; color: #7E93A0; text-decoration: none; padding: 4px 6px;
}
.lang-switch a.active { color: var(--gold); }
.nav-toggle { display: none; background: none; border: none; color: white; font-size: 24px; cursor: pointer; }
@media (max-width: 860px) {
  .nav-links, .nav-cta-wrap { display: none; }
  .nav-toggle { display: block; }
  .site-header.open .nav-links {
    display: flex; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0;
    background: var(--navy-deep); padding: 20px 24px; gap: 18px;
  }
  .site-header.open .nav-cta-wrap { display: block; padding: 0 24px 20px; }
}

/* ---------- Hero ---------- */
.hero { padding: 150px 0 80px; position: relative; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center; }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; } .hero { padding: 130px 0 56px; } }
.hero h1 { font-size: 44px; line-height: 1.12; color: var(--white); }
.hero h1 .accent { color: var(--teal); }
@media (max-width: 560px) { .hero h1 { font-size: 32px; } }
.hero-desc { color: #A9BAC2; font-size: 16px; max-width: 520px; }
.stat-row { display: flex; gap: 32px; margin: 32px 0; }
.stat-row .stat b { display: block; font-size: 30px; color: var(--gold); font-weight: 900; }
.stat-row .stat span { font-size: 12.5px; color: #8FA6B0; }
.cta-row { display: flex; gap: 14px; flex-wrap: wrap; }
.btn {
  display: inline-block; padding: 14px 26px; border-radius: 8px; font-weight: 700; font-size: 15px;
  text-decoration: none; cursor: pointer; border: none;
}
.btn-primary { background: var(--teal); color: var(--white); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.35); }
.btn-primary:hover { background: #0e948e; }
.btn-secondary:hover { border-color: var(--white); }
.hero-tagline { margin-top: 28px; font-weight: 700; color: #C7D6DC; }
.hero-tagline .dot { color: var(--gold); }
.hero-img-frame {
  border: 1.5px solid #1C4A5E; border-radius: 10px; padding: 6px; position: relative;
}
.hero-img-frame img { border-radius: 6px; }
.hero-img-frame::after {
  content: ""; position: absolute; left: -6px; bottom: -6px; width: 16px; height: 16px;
  border-radius: 50%; background: var(--gold); border: 2px solid var(--navy-deep);
}

/* ---------- Rows (icon + text, dark list style) ---------- */
.row-list .row {
  display: grid; grid-template-columns: 72px 260px 1fr; gap: 24px; align-items: center;
  padding: 22px 0; border-bottom: 1px solid rgba(255,255,255,0.08);
}
.section:not(.dark) .row-list .row { border-bottom: 1px solid var(--line); }
.row-list .row:last-child { border-bottom: none; }
@media (max-width: 760px) {
  .row-list .row { grid-template-columns: 56px 1fr; }
  .row-list .row .row-desc { grid-column: 2; }
}
.row h4 { margin: 0; font-size: 16px; }

/* ---------- Hub diagram ---------- */
.hub-wrap { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 20px; }
.hub-center {
  grid-column: 1 / -1; max-width: 320px; margin: 0 auto; background: var(--navy); color: white;
  border-radius: 12px; padding: 24px; text-align: center; order: 3;
}
.hub-center b { display: block; font-size: 16px; }
.hub-center .tag { color: var(--gold); font-weight: 700; font-size: 13px; margin: 4px 0; }
.hub-center .sub { font-size: 12px; color: #9FB4BD; }
@media (min-width: 760px) {
  .hub-wrap { grid-template-columns: 1fr 320px 1fr; grid-template-rows: auto auto; align-items: center; }
  .hub-wrap > *:nth-child(1) { grid-column: 1; grid-row: 1; }
  .hub-wrap > *:nth-child(2) { grid-column: 3; grid-row: 1; }
  .hub-center { order: 0; grid-column: 2; grid-row: 1 / 3; }
  .hub-wrap > *:nth-child(4) { grid-column: 1; grid-row: 2; }
  .hub-wrap > *:nth-child(5) { grid-column: 3; grid-row: 2; }
}

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; margin-top: 24px; }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 20px; }
.step.active { background: var(--navy); color: white; border-color: var(--navy); }
.step .num { color: var(--teal); font-weight: 800; font-size: 13px; }
.step.active .num { color: var(--gold); }
.step h4 { font-size: 14.5px; margin: 14px 0 8px; }
.step p { font-size: 12.5px; color: var(--muted); margin: 0; }
.step.active p { color: #C3D2D8; }

/* ---------- Two column responsibility table ---------- */
.resp-col h3 { display: flex; align-items: center; gap: 10px; font-size: 16px; }
.resp-col ul { list-style: none; margin: 16px 0 0; padding: 0; }
.resp-col li { padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 14px; color: var(--muted); }
.resp-col li::before { content: "• "; color: var(--gold); font-weight: 900; }

/* ---------- Pricing cards ---------- */
.price-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 24px; }
@media (max-width: 760px) { .price-cards { grid-template-columns: 1fr; } }
.price-card { border-radius: 14px; padding: 30px; color: white; }
.price-card.calc { background: var(--teal); }
.price-card.manager { background: var(--navy); }
.price-card .num { float: right; font-size: 30px; font-weight: 900; opacity: .55; }
.price-card .tag { font-size: 11px; font-weight: 800; letter-spacing: 1.5px; color: var(--gold); }
.price-card.calc .tag { color: #E9FBFA; }
.price-card h3 { font-size: 24px; margin: 8px 0; }
.price-card hr { border: none; border-top: 2px solid var(--gold); width: 60px; margin: 16px 0; }
.price-card.calc hr { border-top-color: white; }

/* ---------- Stat cards (fines) ---------- */
.fine-card b { font-size: 24px; display: block; margin-bottom: 12px; color: var(--teal); }
.fine-card.gold b { color: var(--gold); }

/* ---------- Checklist ---------- */
.checklist .row-num {
  width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: white;
  display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 13px;
}
.checklist .row-num.gold { background: var(--gold); }

/* ---------- Contact section ---------- */
.contact-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 40px; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-card { background: var(--navy-card); border-radius: 14px; padding: 28px; }
.contact-item { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.contact-item .icon-circle { margin-bottom: 0; width: 44px; height: 44px; flex-shrink: 0; }
.contact-item .icon-circle img { width: 20px; height: 20px; }
.contact-item a, .contact-item span { color: #C3D2D8; font-size: 14px; text-decoration: none; }

form.lead-form { background: var(--navy-card); border-radius: 14px; padding: 28px; }
.lead-form label { display: block; font-size: 13px; color: #C3D2D8; margin: 14px 0 6px; font-weight: 700; }
.lead-form input, .lead-form select, .lead-form textarea {
  width: 100%; padding: 12px 14px; border-radius: 8px; border: 1px solid #24506A;
  background: var(--navy); color: white; font-size: 14px; font-family: inherit;
}
.lead-form button { margin-top: 20px; width: 100%; }
.form-note { font-size: 12px; color: #7E93A0; margin-top: 10px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #7E93A0; padding: 32px 0; font-size: 13px; }
.site-footer .wrap { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.site-footer strong { color: var(--white); }

.stub-page { min-height: 100vh; display: flex; align-items: center; justify-content: center; background: var(--navy-deep); color: white; text-align: center; padding: 40px; }
.stub-page h1 { font-size: 28px; }
.stub-page a { color: var(--teal); font-weight: 700; }

/* ---------- Blog ---------- */
.blog-hero { padding: 150px 0 50px; background: var(--navy-deep); color: white; }
.blog-hero h1 { color: white; font-size: 36px; }
.breadcrumbs { font-size: 13px; color: var(--muted); margin-bottom: 16px; }
.breadcrumbs a { color: var(--teal); text-decoration: none; }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 8px; }
@media (max-width: 900px) { .blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .blog-grid { grid-template-columns: 1fr; } }
.post-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px; overflow: hidden;
  text-decoration: none; color: inherit; display: flex; flex-direction: column;
}
.post-card:hover { border-color: var(--teal); }
.post-card .tag {
  display: inline-block; font-size: 11px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase;
  color: var(--teal); margin-bottom: 10px;
}
.post-card .body { padding: 22px 22px 24px; }
.post-card h3 { font-size: 17px; margin: 0 0 10px; }
.post-card p { font-size: 13.5px; color: var(--muted); margin: 0; }
.post-card .meta { font-size: 12px; color: #97A9B2; margin-top: 16px; }

.article { padding: 150px 0 90px; max-width: 760px; margin: 0 auto; }
.article h1 { font-size: 32px; margin-bottom: 12px; }
.article .article-meta { color: var(--muted); font-size: 13.5px; margin-bottom: 32px; }
.article h2 { font-size: 22px; margin-top: 40px; }
.article h3 { font-size: 17px; margin-top: 28px; }
.article p { font-size: 15.5px; color: #33484F; line-height: 1.7; }
.article ul, .article ol { font-size: 15.5px; color: #33484F; line-height: 1.7; padding-left: 22px; }
.article li { margin-bottom: 8px; }
.article .callout {
  background: var(--light); border-left: 4px solid var(--gold); border-radius: 8px;
  padding: 18px 22px; font-weight: 700; margin: 28px 0; font-size: 14.5px;
}
.article-cta {
  margin-top: 48px; padding: 28px; background: var(--navy); color: white; border-radius: 12px; text-align: center;
}
.article-cta a { display: inline-block; margin-top: 14px; }
.back-link { display:inline-block; margin-top:40px; color: var(--teal); font-weight:700; text-decoration:none; font-size:14px; }

/* ---------- Legal pages ---------- */
.legal-doc { padding: 150px 0 90px; max-width: 820px; margin: 0 auto; }
.legal-doc h1 { font-size: 28px; }
.legal-doc .updated { color: var(--muted); font-size: 13px; margin-bottom: 32px; }
.legal-doc h2 { font-size: 19px; margin-top: 34px; }
.legal-doc p, .legal-doc li { font-size: 14.5px; color: #33484F; line-height: 1.7; }
.legal-doc ul, .legal-doc ol { padding-left: 22px; }
.legal-doc .placeholder { background: #FFF6E0; color: #8A6416; padding: 1px 6px; border-radius: 4px; font-weight: 700; }
.legal-doc .fill-warning {
  background: #FFF6E0; border-left: 4px solid var(--gold); border-radius: 8px;
  padding: 16px 20px; font-size: 13.5px; color: #6B4E12; margin-bottom: 32px;
}

/* ---------- Footer legal row ---------- */
.footer-legal { margin-top: 10px; }
.footer-legal a { color: #7E93A0; text-decoration: none; font-size: 12px; margin-right: 14px; }
.footer-legal a:hover { color: var(--teal); }
@media (max-width: 560px) {
  .site-footer .wrap { flex-direction: column; align-items: flex-start; }
}

/* ---------- Consent checkbox ---------- */
.consent-row { display: flex; align-items: flex-start; gap: 10px; margin-top: 16px; }
.consent-row input[type="checkbox"] { margin-top: 4px; width: 16px; height: 16px; flex-shrink: 0; accent-color: var(--teal); }
.consent-row label { font-size: 12px; color: #A9BAC2; font-weight: 400; margin: 0; }
.consent-row a { color: var(--teal); text-decoration: underline; }

/* ---------- Cookie banner ---------- */
#cookieBanner {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 999;
  max-width: 620px; margin: 0 auto; background: var(--navy); color: white;
  border-radius: 12px; padding: 20px 24px; box-shadow: 0 10px 30px rgba(0,0,0,0.3);
  display: none;
}
#cookieBanner.show { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
#cookieBanner p { margin: 0; font-size: 13px; color: #C3D2D8; flex: 1 1 260px; }
#cookieBanner a { color: var(--teal); text-decoration: underline; }
#cookieBanner button { flex-shrink: 0; }
@media (max-width: 560px) { #cookieBanner.show { flex-direction: column; align-items: stretch; text-align: center; } }