:root {
  --navy: #13315C;
  --navy-2: #1E4A80;
  --sky: #7CC6F5;
  --sky-2: #A8DCFA;
  --blue: #1B78BE;
  --cream: #FBF7F2;
  --sand: #F3ECE3;
  --ink: #1C2433;
  --muted: #5B6575;
  --line: #E4DED6;
  --white: #fff;
  --green: #16A34A;
  --go: #17A855;
  --go-2: #0E8F47;
  --radius: 18px;
  --shadow: 0 10px 30px -12px rgba(19, 49, 92, .25);
  --font: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: var(--cream); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--navy-2); }
h1, h2, h3 { color: var(--navy); line-height: 1.15; letter-spacing: -.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
.wrap { width: min(1160px, 100% - 32px); margin-inline: auto; }
.narrow { max-width: 760px; margin-inline: auto; }
.center { text-align: center; }
.lead { font-size: 1.12rem; color: var(--muted); }
.muted { color: var(--muted); }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; z-index: 99; background: #fff; padding: 8px 12px; border-radius: 8px; }
.ic { width: 22px; height: 22px; flex: none; }

/* buttons */
.btn { white-space: nowrap; display: inline-flex; align-items: center; justify-content: center; gap: 8px; border: 0; cursor: pointer; font: inherit; font-weight: 700; text-decoration: none; color: #fff; background: linear-gradient(135deg, var(--go), var(--go-2)); padding: 13px 22px; border-radius: 999px; box-shadow: 0 8px 20px -10px rgba(14, 143, 71, .55); transition: transform .15s, box-shadow .15s; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 12px 24px -10px rgba(14, 143, 71, .7); }
.btn:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid #8FB4F0; outline-offset: 2px; }
.btn-lg { padding: 16px 28px; font-size: 1.05rem; }
.btn-sm { padding: 9px 16px; font-size: .92rem; }
.btn-ghost { background: #fff; color: var(--navy); box-shadow: inset 0 0 0 2px var(--line); }
.btn-ghost:hover { box-shadow: inset 0 0 0 2px var(--navy); }
.btn-wa { background: #1FAF5A; box-shadow: none; }
.link-btn { background: none; border: 0; color: var(--blue); font: inherit; font-weight: 700; cursor: pointer; padding: 6px 0; }

/* header */
.banner { background: var(--navy); color: #fff; text-align: center; font-size: .92rem; padding: 9px 16px; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(251, 247, 242, .92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.nav-row { display: flex; align-items: center; gap: 20px; min-height: 70px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand .mark { width: 42px; height: 42px; }
.brand b { display: block; font-size: 1.1rem; font-weight: 800; letter-spacing: -.02em; line-height: 1.1; }
.brand small { display: block; font-size: .68rem; font-weight: 700; letter-spacing: .22em; color: var(--blue); }
.nav { display: flex; gap: 22px; margin-left: auto; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--blue); }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.lang { font-weight: 700; font-size: .92rem; text-decoration: none; padding: 7px 12px; border-radius: 999px; box-shadow: inset 0 0 0 2px var(--line); color: var(--navy); }

/* hero */
.hero { padding: clamp(40px, 6vw, 80px) 0 clamp(48px, 7vw, 90px); background: radial-gradient(1200px 500px at 85% 10%, #D9EEFD 0, transparent 60%), radial-gradient(900px 500px at 0% 100%, #E6F1FB 0, transparent 60%); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 48px; align-items: center; }
.kicker { display: inline-block; background: #fff; color: var(--navy); font-weight: 700; font-size: .85rem; padding: 6px 14px; border-radius: 999px; box-shadow: var(--shadow); }
.hero h1 span { color: var(--blue); }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 22px; }
.trust { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px 20px; color: var(--muted); font-weight: 600; font-size: .95rem; }
.trust li { display: flex; align-items: center; gap: 6px; }
.trust .ic { color: var(--green); width: 18px; height: 18px; }
.hero-art { position: relative; }
.hero-art img { border-radius: 28px; aspect-ratio: 4/3.4; object-fit: cover; width: 100%; box-shadow: var(--shadow); }
.float-card { position: absolute; left: -18px; bottom: 26px; background: #fff; border-radius: 16px; padding: 14px 18px; display: flex; gap: 12px; align-items: center; box-shadow: var(--shadow); }
.float-card b { display: block; color: var(--navy); }
.float-card small { color: var(--muted); }
.dot { width: 12px; height: 12px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 6px rgba(22, 163, 74, .18); }

/* steps */
.steps { list-style: none; padding: 0; margin: 40px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.steps li { background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.num { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 14px; background: var(--navy); color: #fff; font-weight: 800; margin-bottom: 16px; }
.steps p { color: var(--muted); margin: 0; }

/* quote */
.quote-section { background: var(--sand); }
.quote-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.quote-side img { border-radius: var(--radius); margin-top: 24px; aspect-ratio: 4/3; object-fit: cover; }
.card { background: #fff; border-radius: 24px; padding: clamp(22px, 4vw, 36px); box-shadow: var(--shadow); }
.progress { list-style: none; padding: 0; margin: 0 0 26px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; font-size: .78rem; font-weight: 700; color: var(--muted); }
.progress li { display: flex; flex-direction: column; gap: 6px; }
.progress li::before { content: ''; height: 6px; border-radius: 9px; background: var(--line); }
.progress li span { display: none; }
.progress li.on { color: var(--navy); }
.progress li.on::before { background: linear-gradient(90deg, var(--sky-2), var(--sky)); }
fieldset { border: 0; padding: 0; margin: 0; }
legend { font-size: 1.35rem; font-weight: 800; color: var(--navy); margin-bottom: 14px; }
label, .label { display: block; font-weight: 700; margin: 14px 0 6px; font-size: .97rem; }
input, select { width: 100%; font: inherit; padding: 13px 14px; border: 2px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink); }
input:focus, select:focus { border-color: var(--navy-2); outline: none; }
input[type=checkbox], input[type=radio] { width: 20px; height: 20px; accent-color: var(--blue); }
.help { font-size: .9rem; color: var(--muted); margin: 6px 0 0; }
.err { color: #C0283A; font-weight: 600; font-size: .93rem; min-height: 1.2em; margin: 8px 0 0; }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; }
.money { display: flex; align-items: center; border: 2px solid var(--line); border-radius: 12px; padding-left: 14px; }
.money:focus-within { border-color: var(--navy-2); }
.money span { font-weight: 700; color: var(--muted); }
.money input { border: 0; }
.person { display: grid; grid-template-columns: 1fr 110px auto auto auto; align-items: end; gap: 12px; padding: 12px 0; border-bottom: 1px dashed var(--line); }
.person label { margin: 0 0 6px; }
.person .who { font-weight: 800; color: var(--navy); align-self: center; }
.person .tick { display: flex; align-items: center; gap: 6px; margin: 0; font-weight: 600; font-size: .9rem; white-space: nowrap; padding-bottom: 12px; }
.person .rm { padding-bottom: 12px; color: var(--muted); font-size: .9rem; }
.contact-opt { margin-top: 22px; border: 2px solid var(--line); border-radius: 14px; padding: 4px 16px 16px; }
.contact-opt summary { cursor: pointer; font-weight: 800; color: var(--navy); padding: 12px 0 0; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips label { display: flex; align-items: center; gap: 6px; margin: 0; font-weight: 600; padding: 8px 14px; border: 2px solid var(--line); border-radius: 999px; cursor: pointer; }
.chips label:has(input:checked) { border-color: var(--sky); background: #EAF6FE; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; font-size: .84rem; color: var(--muted); line-height: 1.45; }
.consent input { margin-top: 2px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; }

.plans { display: grid; gap: 14px; margin: 16px 0; }
.plan { border: 2px solid var(--line); border-radius: 16px; padding: 18px; display: grid; grid-template-columns: 1fr auto; gap: 8px 16px; }
.plan h4 { margin: 0; font-size: 1.02rem; color: var(--navy); }
.plan .issuer { color: var(--muted); font-size: .9rem; font-weight: 600; }
.plan .price { text-align: right; }
.plan .price b { font-size: 1.7rem; color: var(--navy); letter-spacing: -.02em; }
.plan .price small { display: block; color: var(--muted); font-size: .78rem; }
.plan dl { grid-column: 1 / -1; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin: 6px 0 0; font-size: .9rem; }
.plan dt { color: var(--muted); font-size: .78rem; }
.plan dd { margin: 0; font-weight: 700; }
.plan .row-end { grid-column: 1 / -1; display: flex; justify-content: space-between; align-items: center; gap: 10px; flex-wrap: wrap; }
.metal { display: inline-block; font-size: .74rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; padding: 3px 10px; border-radius: 999px; margin-right: 6px; background: var(--sand); color: var(--navy); }
.metal.Bronze, .metal.Expanded { background: #F4E1D2; color: #8A4B1C; }
.metal.Silver { background: #E9EDF2; color: #4C5868; }
.metal.Gold { background: #FBEFC6; color: #866200; }
.metal.Platinum { background: #E3E7FF; color: #3A3F8F; }
.credit-box { background: #EAF7F1; color: #145F47; border-radius: 14px; padding: 14px 16px; font-weight: 600; }
.notice { background: #FFF6E5; color: #6A4A00; border-radius: 14px; padding: 14px 16px; }
.success { background: #EAF7F1; color: #145F47; border-radius: 14px; padding: 18px; font-weight: 600; }
.spinner { width: 34px; height: 34px; border: 4px solid var(--line); border-top-color: var(--blue); border-radius: 50%; animation: spin 0.8s linear infinite; margin: 30px auto 12px; }
@keyframes spin { to { transform: rotate(360deg); } }

/* news */
.news-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 36px; }
.news-card { background: #fff; border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); display: flex; flex-direction: column; }
.news-card p { color: var(--muted); font-size: .95rem; flex: 1; }
.news-card strong { color: var(--ink); }
.news-ic { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 14px; background: #E4F3FD; color: var(--blue); margin-bottom: 14px; }
.src { font-size: .82rem; font-weight: 700; text-decoration: none; }
.note { color: var(--muted); font-size: .92rem; margin-top: 28px; }

/* why */
.why { background: #fff; }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-grid img { border-radius: 28px; aspect-ratio: 1/1; object-fit: cover; }
.why-list { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 20px; }
.why-list li { display: flex; gap: 14px; }
.why-list .ic { color: #fff; background: var(--green); border-radius: 50%; padding: 5px; width: 30px; height: 30px; }
.why-list h3 { margin-bottom: 4px; }
.why-list p { color: var(--muted); margin: 0; }
.photo-strip { display: grid; grid-template-columns: repeat(3, 1fr); }
.photo-strip img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }

/* faq */
.faq { margin-top: 30px; display: grid; gap: 12px; }
.faq details { background: #fff; border-radius: 16px; padding: 4px 22px; box-shadow: 0 2px 10px -6px rgba(19, 49, 92, .25); }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); padding: 16px 0; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font-size: 1.4rem; line-height: 1; color: var(--blue); }
.faq details[open] summary::after { content: '–'; }
.faq details p { color: var(--muted); }

/* contact */
.contact { background: var(--navy); color: #E8EEF8; }
.contact h2 { color: #fff; }
.contact .lead { color: #C3D0E6; }
.contact-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.contact-list { list-style: none; padding: 0; margin: 24px 0 28px; display: grid; gap: 16px; }
.contact-list li { display: flex; gap: 14px; align-items: center; }
.contact-list .ic { color: var(--sky); width: 26px; height: 26px; }
.contact-list small { display: block; color: #9FB2D2; font-size: .82rem; }
.contact-list a, .contact-list span { color: #fff; font-weight: 700; text-decoration: none; font-size: 1.05rem; }
.share-card { color: var(--ink); }
.share-row { display: flex; flex-wrap: wrap; gap: 10px; }
.toast { color: var(--green); font-weight: 700; min-height: 1.2em; margin: 10px 0 0; }

/* footer */
.site-footer { background: #0D2342; color: #B7C4DA; padding: 48px 0 24px; font-size: .9rem; }
.site-footer a { color: #DCE5F3; }
.foot-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 40px; }
.brand-light { color: #fff; margin-bottom: 14px; }
.site-footer .muted { color: #B7C4DA; }
.fine { font-size: .8rem; line-height: 1.55; color: #93A3BF; }
.foot-bottom { display: flex; flex-wrap: wrap; gap: 8px 22px; border-top: 1px solid #22395E; margin-top: 28px; padding-top: 18px; font-size: .82rem; }

.sticky-call { display: none; }
.modal { position: fixed; inset: 0; background: rgba(13, 35, 66, .55); display: grid; place-items: center; padding: 16px; z-index: 50; }
.modal[hidden] { display: none; }
.modal-card { width: min(460px, 100%); }
.prose h1 { font-size: 2.2rem; }

@media (max-width: 1000px) {
  .news-grid { grid-template-columns: repeat(2, 1fr); }
  .nav { display: none; }
  .nav-actions { margin-left: auto; }
}
@media (max-width: 820px) {
  body { font-size: 16px; }
  .hero-grid, .quote-grid, .why-grid, .contact-grid, .foot-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero-art { order: -1; }
  .hero-art img { aspect-ratio: 16/11; }
  .float-card { left: 12px; bottom: 12px; }
  .steps { grid-template-columns: 1fr; }
  .quote-side img { display: none; }
  .photo-strip { grid-template-columns: 1fr 1fr; }
  .photo-strip img:last-child { display: none; }
  .sticky-call { display: flex; position: fixed; right: 16px; bottom: 16px; z-index: 30; align-items: center; gap: 8px; background: var(--navy); color: #fff; text-decoration: none; font-weight: 700; padding: 13px 20px; border-radius: 999px; box-shadow: var(--shadow); }
  .site-footer { padding-bottom: 90px; }
}
@media (max-width: 560px) {
  .news-grid { grid-template-columns: 1fr; }
  .two { grid-template-columns: 1fr; }
  .brand b { font-size: .9rem; }
  .lang { padding: 6px 10px; }
  .nav-actions { gap: 8px; }
  .brand .mark { width: 36px; height: 36px; }
  .btn-sm { padding: 8px 12px; }
  .person { grid-template-columns: 1fr 1fr; }
  .person .who { grid-column: 1 / -1; }
  .plan dl { grid-template-columns: 1fr 1fr; }
  .cta-row .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .btn { transition: none; } }

/* next-step choices */
.hs-line { margin: -6px 0 18px; font-weight: 600; }
.hs-line a { color: var(--blue); }
.choices { display: grid; gap: 12px; margin: 16px 0 4px; }
.choice { display: block; text-align: left; width: 100%; font: inherit; cursor: pointer; text-decoration: none; color: var(--ink); background: #fff; border: 2px solid var(--line); border-radius: 16px; padding: 18px 20px; transition: border-color .15s, transform .15s; }
.choice:hover { border-color: var(--sky); transform: translateY(-1px); }
.choice b { display: block; color: var(--navy); font-size: 1.08rem; margin-bottom: 4px; }
.choice span { display: block; color: var(--muted); font-size: .92rem; }
.choice-go { border-color: var(--go); background: #F0FAF4; }
.choice-go b { color: var(--go-2); }
.enroll-note { background: #EAF6FE; color: var(--navy); border-radius: 14px; padding: 14px 16px; margin: 14px 0 6px; }
.plan .btn-sm { padding: 10px 18px; }
.choice span b { display: inline; font-size: inherit; margin: 0; color: var(--navy); }
.btn-ig { background: linear-gradient(135deg, #F58529, #DD2A7B 55%, #8134AF); box-shadow: none; }
.social a { display: inline-flex; align-items: center; gap: 6px; text-decoration: none; }
.social .ic { width: 18px; height: 18px; }