:root {
    --ink: #16202E; --ink-2: #4A5361; --muted: #5B6472; --line: #DCE1E8;
    --bg: #F3F5F8; --navy: #0F1B2D; --blue: #1E3A8A; --blue-2: #2B59D9; --soft: #EEF2FF; --green: #1F8A4C;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: 'IBM Plex Sans', 'Segoe UI', system-ui, sans-serif; color: var(--ink); background: #fff; line-height: 1.55; font-size: 16px; }
a { color: var(--blue); }
img { max-width: 100%; }
.s-wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.s-muted { color: var(--muted); }
.s-small { font-size: 13px; }

.s-header { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 10; }
.s-header-in { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 64px; flex-wrap: wrap; }
.s-brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-weight: 700; font-size: 17px; }
.s-brand-mark { width: 34px; height: 34px; border-radius: 9px; background: var(--blue-2); display: flex; align-items: center; justify-content: center; }
.s-nav { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.s-nav a { color: #C9D2E1; text-decoration: none; font-size: 15px; }
.s-nav a:hover { color: #fff; }

.s-btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 22px; border-radius: 10px; background: var(--blue); color: #fff !important; font-weight: 600; text-decoration: none; border: 2px solid var(--blue); font: inherit; font-weight: 600; cursor: pointer; }
.s-btn:hover { background: #172F70; border-color: #172F70; }
.s-btn-sm { min-height: 40px; padding: 0 14px; font-size: 14px; background: var(--blue-2); border-color: var(--blue-2); }
.s-btn-ghost { background: transparent; color: var(--blue) !important; }
.s-btn-ghost:hover { background: var(--soft); }
.s-btn-block { width: 100%; margin-top: 16px; }

.s-hero { background: linear-gradient(180deg, var(--soft), #fff); padding: 56px 0; }
.s-hero-in { display: flex; flex-wrap: wrap; gap: 36px; align-items: center; }
.s-hero-text { flex: 1 1 420px; }
.s-eyebrow { display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--blue); }
.s-hero h1 { font-size: clamp(30px, 5vw, 46px); line-height: 1.15; margin: 10px 0 14px; }
.s-hero p { font-size: 18px; color: var(--ink-2); margin: 0 0 22px; max-width: 560px; }
.s-hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.s-points { flex: 1 1 300px; list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.s-points li { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px 18px; display: flex; flex-direction: column; }
.s-points span { color: var(--muted); font-size: 14px; }

.s-steps { padding: 48px 0; }
.s-steps h2, .s-forms h2 { font-size: 26px; margin: 0 0 20px; }
.s-step-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.s-step-list li { border: 1px solid var(--line); border-radius: 12px; padding: 18px; }
.s-step-list span { display: inline-flex; width: 32px; height: 32px; border-radius: 50%; background: var(--blue); color: #fff; align-items: center; justify-content: center; font-weight: 700; margin-bottom: 8px; }
.s-step-list b { display: block; font-size: 17px; }
.s-step-list p { margin: 6px 0 0; color: var(--ink-2); }

.s-forms { background: var(--bg); padding: 48px 0 64px; scroll-margin-top: 64px; }
.s-tabs { display: flex; gap: 6px; background: #E6E9EE; padding: 4px; border-radius: 10px; width: fit-content; max-width: 100%; margin-bottom: 16px; flex-wrap: wrap; }
.s-tabs button { min-height: 44px; padding: 0 18px; border-radius: 8px; border: 0; background: transparent; font: inherit; font-weight: 600; cursor: pointer; color: var(--ink); }
.s-tabs button[aria-selected="true"] { background: #fff; box-shadow: 0 1px 2px rgba(15,23,42,.15); color: var(--blue); }
.s-card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.s-form { max-width: 820px; }
.s-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; }
.s-form label { display: flex; flex-direction: column; gap: 6px; font-size: 14px; font-weight: 600; }
.s-form input, .s-form select { min-height: 46px; padding: 0 12px; border: 1px solid #C3CAD5; border-radius: 8px; font: inherit; font-weight: 400; background: #fff; color: var(--ink); width: 100%; }
.s-form input:focus, .s-form select:focus { outline: 2px solid var(--blue-2); border-color: var(--blue-2); }
.s-form fieldset { border: 0; padding: 0; margin: 16px 0; }
.s-form legend { font-size: 14px; font-weight: 600; margin-bottom: 8px; }
.s-checks { display: flex; flex-wrap: wrap; gap: 8px; }
.s-form .s-check { flex-direction: row; align-items: center; gap: 8px; font-weight: 500; border: 1px solid var(--line); border-radius: 8px; padding: 0 12px; min-height: 44px; cursor: pointer; }
.s-form .s-check input { width: 18px; min-height: 18px; height: 18px; }
.s-narrow { max-width: 320px; }
.s-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.s-error { background: #FDECEC; color: #7F1D1D; border: 1px solid #F5C2C2; border-radius: 10px; padding: 12px 16px; margin-bottom: 14px; max-width: 820px; }
.s-thanks { text-align: center; max-width: 620px; }
.s-thanks p { margin: 0 auto 22px; }

.s-footer { background: var(--navy); color: #C9D2E1; padding: 28px 0; font-size: 14px; }
.s-footer a { color: #fff; }
.s-footer b { color: #fff; }
.s-footer-in { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 18px; }
.s-footer .s-muted { color: #8FA0BC; }

.s-wa { position: fixed; right: 18px; bottom: 18px; width: 56px; height: 56px; border-radius: 50%; background: var(--green); display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 14px rgba(0,0,0,.25); z-index: 20; }

@media (max-width: 600px) {
    .s-hero { padding: 36px 0; }
    .s-nav { gap: 12px; }
    .s-nav a:not(.s-btn) { font-size: 14px; }
}