:root {
  --white: #FFFFFF;
  --gray: #E8F1FB;
  --ink: #1A2332;
  --accent: #1565C0;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: "Montserrat", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
a { color: inherit; }
.site-header, .page-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px max(5vw, 28px);
  background: var(--white);
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid var(--gray);
}
.page-bar { border-bottom: 1px solid var(--gray); }
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-size: 15px;
  font-weight: 800;
  letter-spacing: -0.4px;
  text-decoration: none;
  white-space: nowrap;
}
.brand-mark { color: var(--accent); display: inline-flex; width: 31px; height: 31px; }
.brand-mark svg { width: 100%; height: 100%; }
.main-nav { display: flex; align-items: center; gap: 23px; }
.main-nav a {
  border-bottom: 2px solid transparent;
  color: var(--ink);
  font-size: 13px;
  font-weight: 600;
  padding: 7px 0 5px;
  text-decoration: none;
  transition: border-color 180ms ease, color 180ms ease;
}
.main-nav a:hover, .main-nav a.is-active { border-color: var(--accent); color: var(--accent); }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent);
  border: 2px solid var(--accent);
  border-radius: 999px;
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
  padding: 13px 22px;
  text-decoration: none;
  transition: background 180ms ease, color 180ms ease, transform 180ms ease;
}
.button:hover { background: var(--white); color: var(--accent); transform: translateY(-2px); }
.button-small { padding: 10px 17px; font-size: 12px; white-space: nowrap; }
.section-gray { background: var(--gray); }
.services, .steps, .contact { padding: 86px max(5vw, 28px); }
.section-intro { max-width: 680px; margin-bottom: 40px; }
.centered-intro { margin-left: auto; margin-right: auto; text-align: center; }
.eyebrow {
  color: var(--accent);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.2px;
  margin: 0 0 10px;
  text-transform: uppercase;
}
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { letter-spacing: -1px; line-height: 1.17; }
h1 { font-size: clamp(31px, 4.3vw, 52px); margin-bottom: 16px; }
h2 { font-size: clamp(27px, 3.2vw, 39px); margin-bottom: 16px; }
h3 { font-size: 19px; margin-bottom: 10px; }
p { font-size: 15px; }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.service-card, .step-card {
  background: var(--white);
  border: 1px solid var(--white);
  border-radius: 18px;
  padding: 25px;
  transition: border-color 180ms ease, transform 180ms ease;
}
.service-card:hover, .step-card:hover { border-color: var(--accent); transform: translateY(-4px); }
.service-card h2 { font-size: 17px; margin: 17px 0 9px; }
.service-card p, .step-card p { font-size: 13px; margin-bottom: 0; }
.icon-shell {
  align-items: center;
  background: var(--gray);
  border-radius: 14px;
  color: var(--accent);
  display: inline-flex;
  height: 47px;
  justify-content: center;
  width: 47px;
}
.icon-shell svg, .location-icon svg { fill: none; height: 27px; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2.5; width: 27px; }
.refusal {
  align-items: center;
  display: grid;
  gap: 30px;
  grid-template-columns: auto minmax(0, 1fr) auto;
  padding: 76px max(5vw, 28px);
}
.refusal h2 { font-size: clamp(25px, 3vw, 36px); margin-bottom: 13px; }
.refusal p { max-width: 770px; margin-bottom: 9px; }
.refusal-icon {
  align-items: center;
  background: var(--accent);
  border-radius: 50%;
  color: var(--white);
  display: flex;
  height: 74px;
  justify-content: center;
  width: 74px;
}
.refusal-icon svg { fill: none; height: 41px; stroke: currentColor; stroke-linecap: round; stroke-width: 3; width: 41px; }
.text-link { color: var(--accent); font-size: 13px; font-weight: 800; text-decoration: none; white-space: nowrap; }
.text-link span { display: inline-block; transition: transform 180ms ease; }
.text-link:hover span { transform: translateX(4px); }
.step-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 0 auto; max-width: 950px; }
.step-card { padding: 31px; text-align: center; }
.step-letter { align-items: center; background: var(--accent); border-radius: 50%; color: var(--white); display: inline-flex; font-size: 17px; font-weight: 800; height: 46px; justify-content: center; margin-bottom: 17px; width: 46px; }
.step-card h2 { font-size: 20px; }
.hero { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, 0.9fr); gap: 60px; padding: 92px max(8vw, 28px); align-items: center; }
.hero-copy { max-width: 650px; }
.hero-copy h2 { font-size: clamp(32px, 4.2vw, 54px); }
.lead { font-size: 17px; max-width: 610px; }
.hero-actions { align-items: center; display: flex; flex-wrap: wrap; gap: 23px; margin-top: 27px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 33px; }
.trust-row span { align-items: center; display: inline-flex; font-size: 12px; font-weight: 700; gap: 7px; }
.trust-row svg { fill: none; height: 21px; stroke: var(--accent); stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 21px; }
.hero-panel { background: var(--accent); border-radius: 24px; color: var(--white); padding: 45px; }
.panel-window { fill: none; height: 116px; stroke: var(--white); stroke-linecap: round; stroke-linejoin: round; stroke-width: 6; width: 116px; }
.panel-kicker { font-size: 12px; font-weight: 800; letter-spacing: 1px; margin: 22px 0 10px; text-transform: uppercase; }
.hero-panel h3 { font-size: clamp(23px, 2.6vw, 31px); }
.hero-panel ul { margin: 23px 0 0; padding-left: 19px; }
.hero-panel li { font-size: 13px; margin-bottom: 11px; }
.contact { display: grid; gap: 45px; grid-template-columns: minmax(0, 1fr) minmax(300px, 0.8fr); }
.contact-copy { align-self: center; }
.phone-link { color: var(--accent); display: inline-block; font-size: clamp(24px, 3vw, 35px); font-weight: 800; letter-spacing: -1px; margin: 9px 0 18px; text-decoration: none; }
.contact-note { font-size: 13px; }
.location-card { background: var(--white); border-radius: 20px; padding: 35px; }
.location-icon { align-items: center; background: var(--gray); border-radius: 50%; color: var(--accent); display: inline-flex; height: 50px; justify-content: center; margin-bottom: 21px; width: 50px; }
.location-card h3 { font-size: 20px; line-height: 1.4; }
.site-footer { border-top: 1px solid var(--accent); display: grid; gap: 18px; grid-column: 1 / -1; grid-template-columns: 1fr auto; margin-top: 20px; padding-top: 29px; }
.site-footer strong, .site-footer span { display: block; }
.site-footer strong { font-size: 14px; }
.site-footer span, .site-footer a { font-size: 12px; }
.site-footer a { color: var(--accent); font-weight: 700; text-decoration: none; }
.privacy-copy { grid-column: 1 / -1; max-width: 790px; }
.privacy-copy h3 { font-size: 15px; margin-bottom: 6px; }
.privacy-copy p { font-size: 12px; margin-bottom: 0; }
@media (max-width: 950px) {
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .hero { gap: 35px; grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .site-header { gap: 13px; padding: 13px 20px; }
  .main-nav { display: none; }
  .page-bar { padding: 15px 20px; }
  .services, .steps, .contact { padding: 60px 20px; }
  .refusal { align-items: start; grid-template-columns: 1fr; padding: 57px 20px; }
  .refusal-icon { height: 58px; width: 58px; }
  .refusal-icon svg { height: 32px; width: 32px; }
  .hero { padding: 66px 20px; }
  .hero-panel { padding: 31px; }
  .contact { grid-template-columns: 1fr; }
}
@media (max-width: 500px) {
  .service-grid, .step-grid { grid-template-columns: 1fr; }
  .brand { font-size: 13px; }
  .button-small { padding: 9px 13px; }
  .page-bar .text-link { font-size: 11px; }
  .site-footer { grid-template-columns: 1fr; }
}