/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#F6F5EF;
  --text:#0E1330;
  --muted:#5A6074;
  --primary:#1C2B6B;
  --primary-dark:#15215A;
  --accent-blue:#4AA8E0;
  --accent-purple:#7B3FE4;
  --soft-blue:#E6F3FB;
  --soft-purple:#EFE7FB;
  --card:#FFFFFF;
  --border:#E7E6DE;
  --radius:16px;
  --shadow:0 10px 30px rgba(20,25,60,.08);
  --gradient:linear-gradient(135deg,#2A3A8E 0%,#7B3FE4 100%);
}
html,body{background:var(--bg);color:var(--text);font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Playfair Display','Georgia',serif;font-weight:700;line-height:1.15;color:var(--text)}
h1{font-size:clamp(2.2rem,4.5vw,3.8rem)}
h2{font-size:clamp(1.8rem,3vw,2.6rem);margin-bottom:.6em}
h3{font-size:1.25rem}
p{color:var(--muted)}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.center{text-align:center}
.grid{display:grid;gap:24px}

/* ===== NAV ===== */
.nav{position:sticky;top:0;z-index:50;background:rgba(246,245,239,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 24px;max-width:1400px;margin:0 auto}
.logo{display:flex;align-items:center;gap:8px;font-weight:700;font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--primary)}
.logo-mark{width:34px;height:34px;border-radius:50%;background:var(--primary);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1rem}
.menu{display:flex;gap:28px;align-items:center;list-style:none}
.menu a{color:var(--text);font-weight:500;font-size:.95rem;position:relative;padding:8px 2px;transition:color .2s}
.menu a:hover,.menu a.active{color:var(--primary)}
.menu li{position:relative}
.submenu{position:absolute;top:100%;left:-20px;background:#fff;min-width:220px;border-radius:12px;box-shadow:var(--shadow);padding:10px 0;opacity:0;visibility:hidden;transform:translateY(8px);transition:all .2s}
.menu li:hover .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.submenu a{display:block;padding:10px 20px;font-size:.92rem}
.submenu a:hover{background:var(--soft-blue);color:var(--primary)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:999px;font-weight:600;font-size:.95rem;border:none;cursor:pointer;transition:transform .15s,box-shadow .2s}
.btn-primary{background:var(--primary);color:#fff}
.btn-primary:hover{background:var(--primary-dark);transform:translateY(-1px);box-shadow:0 8px 20px rgba(28,43,107,.25)}
.btn-outline{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn-outline:hover{background:var(--primary);color:#fff}
.btn-ghost{background:#fff;color:var(--primary);border:1px solid var(--border)}

/* ===== HERO ===== */
.hero{padding:70px 0 90px}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--soft-blue);color:var(--accent-blue);padding:8px 16px;border-radius:999px;font-size:.88rem;font-weight:600;margin-bottom:22px}
.hero h1 .accent{background:linear-gradient(90deg,var(--accent-blue),var(--accent-purple));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{margin:24px 0 32px;color:var(--muted);font-size:1.08rem;max-width:520px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-card{background:#fff;border-radius:24px;padding:30px;box-shadow:var(--shadow);position:relative}
.hero-card::before{content:"";position:absolute;inset:-20px -30px;background:linear-gradient(135deg,#4AA8E0 0%,#7B3FE4 100%);border-radius:30px;z-index:-1;opacity:.85;filter:blur(2px)}
.feature{display:flex;gap:16px;align-items:center;padding:16px;border-radius:14px;margin-bottom:12px}
.feature:nth-child(1){background:var(--soft-blue)}
.feature:nth-child(2){background:#E9EBF8}
.feature:nth-child(3){background:var(--soft-purple)}
.feature-icon{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:1.2rem;flex-shrink:0}
.feature:nth-child(1) .feature-icon{background:var(--accent-blue)}
.feature:nth-child(2) .feature-icon{background:var(--primary)}
.feature:nth-child(3) .feature-icon{background:var(--accent-purple)}
.feature h4{font-family:'Inter',sans-serif;font-size:1rem;margin-bottom:2px}
.feature p{font-size:.88rem;margin:0}

/* ===== CARDS / SECTIONS ===== */
.section-head{text-align:center;margin-bottom:50px}
.section-head span.eyebrow{color:var(--accent-blue);font-weight:600;text-transform:uppercase;font-size:.85rem;letter-spacing:1px}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card h3{margin-bottom:10px}
.card p{font-size:.95rem}
.card ul{list-style:none;margin-top:14px}
.card ul li{padding:6px 0;font-size:.92rem;color:var(--muted);position:relative;padding-left:22px}
.card ul li::before{content:"✓";color:var(--accent-blue);position:absolute;left:0;font-weight:700}
.card a.more{color:var(--primary);font-weight:600;margin-top:16px;display:inline-block}

/* ===== STEPS ===== */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;margin-top:30px}
.step{background:#fff;border-radius:var(--radius);padding:24px;text-align:center;border:1px solid var(--border)}
.step .num{width:42px;height:42px;border-radius:50%;background:var(--gradient);color:#fff;display:grid;place-items:center;font-weight:700;margin:0 auto 14px}
.step h4{font-family:'Inter',sans-serif;font-size:1rem;margin-bottom:6px}
.step p{font-size:.85rem}

/* ===== STATS ===== */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:30px}
.stat{background:#fff;padding:30px;border-radius:var(--radius);text-align:center;border:1px solid var(--border)}
.stat .n{font-family:'Playfair Display',serif;font-size:2.4rem;color:var(--primary);font-weight:700}
.stat .l{color:var(--muted);font-size:.92rem;margin-top:6px}

/* ===== FAQ ===== */
.faq{max-width:800px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--primary)}
.faq details[open] summary::after{content:"−"}
.faq p{margin-top:12px;font-size:.95rem}

/* ===== CTA BAND ===== */
.cta-band{background:var(--gradient);color:#fff;text-align:center;padding:70px 20px;border-radius:24px;margin:40px auto}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);margin:14px 0 28px}
.cta-band .btn-primary{background:#fff;color:var(--primary)}
.cta-band .btn-outline{border-color:#fff;color:#fff}

/* ===== FOOTER ===== */
.footer{background:#0E1330;color:#cfd3e4;padding:60px 0 30px;margin-top:80px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.footer h5{color:#fff;margin-bottom:16px;font-family:'Inter',sans-serif;font-size:1rem}
.footer ul{list-style:none}
.footer ul li{padding:6px 0;font-size:.92rem}
.footer ul li a:hover{color:#fff}
.footer .brand p{font-size:.9rem;margin-top:10px;color:#9ea4bd}
.footer .bottom{text-align:center;border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;font-size:.85rem;color:#8a90a8}

/* ===== BLOG ===== */
.blog-hero{text-align:center;padding:80px 20px;background:linear-gradient(180deg,#EEF1F8 0%,var(--bg) 100%)}
.search-box{max-width:520px;margin:30px auto 0;background:#fff;border-radius:999px;padding:14px 22px;border:1px solid var(--border);box-shadow:var(--shadow)}
.search-box input{width:100%;border:none;outline:none;font-size:1rem;background:transparent}
.categories{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin:40px 0}
.chip{background:#fff;border:1px solid var(--border);padding:10px 20px;border-radius:999px;font-size:.9rem;cursor:pointer;transition:all .2s}
.chip:hover,.chip.active{background:var(--primary);color:#fff;border-color:var(--primary)}
.articles{grid-template-columns:repeat(3,1fr);gap:30px}
.article{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);transition:transform .2s,box-shadow .2s}
.article:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.article .thumb{height:200px}
.article .thumb.blue{background:linear-gradient(135deg,#A7D8F0,#4AA8E0)}
.article .thumb.dark{background:linear-gradient(135deg,#1C2B6B,#4A5A9E)}
.article .thumb.purple{background:linear-gradient(135deg,#B68AE4,#7B3FE4)}
.article-body{padding:22px}
.article-meta{display:flex;gap:16px;font-size:.82rem;color:var(--muted);margin-bottom:10px}
.article-meta .cat{color:var(--accent-blue);font-weight:600}
.article h3{font-size:1.15rem;margin-bottom:10px;line-height:1.3}
.article p{font-size:.92rem;margin-bottom:14px}
.article a.read{color:var(--primary);font-weight:600}
.newsletter{background:var(--gradient);color:#fff;padding:70px 20px;text-align:center;margin-top:60px}
.newsletter h2{color:#fff}
.newsletter-form{margin-top:26px;display:flex;max-width:520px;margin-left:auto;margin-right:auto;background:rgba(255,255,255,.12);border-radius:999px;padding:6px;backdrop-filter:blur(10px)}
.newsletter-form input{flex:1;border:none;background:transparent;padding:14px 22px;color:#fff;outline:none;font-size:1rem}
.newsletter-form input::placeholder{color:rgba(255,255,255,.7)}
.newsletter-form button{background:#fff;color:var(--primary);border:none;padding:12px 26px;border-radius:999px;font-weight:600;cursor:pointer}

/* ===== PAGE HEADER ===== */
.page-hero{padding:80px 0 60px;text-align:center;background:linear-gradient(180deg,#EEF1F8 0%,var(--bg) 100%)}
.page-hero p.lead{max-width:720px;margin:20px auto 30px;font-size:1.08rem}

/* ===== LIST BULLETS ===== */
.bullets{max-width:800px;margin:0 auto}
.bullets li{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:12px;list-style:none;font-size:.98rem}
.bullets li::before{content:"●";color:var(--accent-purple);margin-right:12px}

/* ===== RESPONSIVE ===== */
@media(max-width:960px){
  .menu{display:none}
  .hero-grid{grid-template-columns:1fr}
  .cards-3,.cards-4,.articles{grid-template-columns:1fr}
  .cards-2{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
  .steps,.stats,.footer-grid{grid-template-columns:1fr}
  .newsletter-form{flex-direction:column;background:transparent;padding:0;gap:10px}
  .newsletter-form input{background:rgba(255,255,255,.15);border-radius:999px}
}