* { box-sizing: border-box; }
:root{
  --brand-red:#a31919;
  --brand-blue:#2b3dbb;
  --text:#121212;
  --muted:#6b7280;
  --bg:#ffffff;
  --bg-alt:#f8fafc;
  --border:#e5e7eb;
}
html,body{ height:100%; }
body{
  margin:0; font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, "Helvetica Neue", Arial, "Noto Sans", "Apple Color Emoji", "Segoe UI Emoji";
  color:var(--text); background:var(--bg); line-height:1.65; letter-spacing:.1px;
}
.container{ max-width:1000px; margin:0 auto; padding:0 16px; }

.site-header{ position:sticky; top:0; z-index:10; background:#fff; border-bottom:1px solid var(--border); }
.header-inner{ display:flex; align-items:center; justify-content:space-between; padding:14px 0; }
.brand{ display:flex; align-items:center; gap:10px; color:inherit; text-decoration:none; }
.brand-logo{ width:36px; height:36px; object-fit:contain; }
.brand-name{ font-weight:800; letter-spacing:0.3px; }
.nav a{ margin-left:16px; text-decoration:none; color:#374151; font-weight:600; }
.nav a:hover, .nav a.active{ color:var(--brand-blue); }

.hero{ padding:28px 0 24px; background:
  radial-gradient(1200px 400px at 20% -100px, rgba(163,25,25,.08), transparent),
  radial-gradient(1200px 400px at 100% -120px, rgba(43,61,187,.08), transparent);
}
.hero-inner{ display:flex; align-items:center; gap:24px; }
.hero h1{ margin:0 0 8px; font-size:clamp(26px, 3.4vw, 38px); }
.lead{ font-size:1.05rem; }
.hero .btn{ display:inline-block; background:linear-gradient(90deg, var(--brand-red), var(--brand-blue)); color:#fff; padding:10px 16px; border-radius:12px; text-decoration:none; font-weight:700; box-shadow:0 6px 20px rgba(43,61,187,.18); }
.hero .btn:hover{ transform:translateY(-1px); box-shadow:0 10px 24px rgba(43,61,187,.22); }
.btn-ghost{ background:transparent; color:var(--brand-blue); border:1px solid var(--border); box-shadow:none; margin-left:8px; }
.btn-ghost:hover{ background:#f3f4f6; }
.muted{ color:var(--muted); }

.faq{ padding:12px 0 28px; }
.faq-list{ display:grid; grid-template-columns:1fr; gap:14px; }
.faq-item{ background:var(--bg-alt); border:1px solid var(--border); border-radius:12px; padding:0 16px; box-shadow:0 2px 8px rgba(0,0,0,.03); overflow:hidden; }
.faq-item summary{ cursor:pointer; list-style:none; padding:14px 0; font-weight:700; position:relative; }
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item[open] summary{ color:var(--brand-blue); }
.faq-item p{ margin:0 0 14px; color:#1f2937; }

.policies ul{ padding-left:18px; }
.policies a{ color:var(--brand-blue); font-weight:600; }

.policy{ padding:28px 0; }
.policy h1{ margin-top:0; }
.policy .effective{ color:var(--muted); margin-top:-8px; }
.policy ul{ padding-left:18px; }
.small{ font-size:0.9rem; }

/* Card primitive */
.card{ background:#fff; border:1px solid var(--border); border-radius:16px; padding:20px; box-shadow:0 6px 22px rgba(0,0,0,.06); }

/* Contact Form */
.contact{ padding:28px 0 40px; max-width:720px; }
.contact h1{ margin-top:0; }
form#contactForm{ display:grid; gap:18px; margin-top:16px; }
.form-group{ display:flex; flex-direction:column; gap:6px; }
.form-group label{ font-weight:600; }
.form-group input,.form-group textarea{
  padding:10px 12px; border:1px solid var(--border); border-radius:10px; font:inherit; background:#fff;
}
.form-group input:focus,.form-group textarea:focus{ outline:2px solid var(--brand-blue); outline-offset:2px; }
.btn[type=submit]{ cursor:pointer; }
.error{ color:#b91c1c; font-size:0.8rem; min-height:14px; }
.req{ color:var(--brand-red); }
.form-status{ margin-top:4px; font-weight:600; }
.form-status.success{ color:#065f46; }
.form-status.error{ color:#b91c1c; }
.alt-contact{ margin-top:28px; }

.site-footer{ border-top:1px solid var(--border); background:#fff; margin-top:40px; }
.footer-inner{ display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; padding:14px 0; gap:8px; }
.footer-nav a{ margin-left:16px; color:#374151; text-decoration:none; }
.footer-nav a:hover{ color:var(--brand-blue); }

@media (min-width: 800px){
  .faq-list{ grid-template-columns:1fr 1fr; }
}