:root{
  --red:#c8102e;
  --ink:#0b1220;
  --muted:#526074;
  --bg:#f6f7fb;
  --card:#ffffff;
  --line:#e6e8ee;
  --shadow: 0 14px 40px rgba(2,6,23,.12);
  --radius:18px;
  --max:1160px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);}
a{color:inherit;text-decoration:none}
p{line-height:1.6;color:var(--muted);margin:0 0 12px 0}
h1,h2,h3{margin:0 0 10px 0;line-height:1.15}
small,.tiny{color:var(--muted);font-size:12px}

.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.section{padding:64px 0}
@media (max-width:900px){.section{padding:52px 0}}

.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

.grid{display:grid;gap:18px}
.grid-2{grid-template-columns:repeat(2, minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3, minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4, minmax(0,1fr))}
@media (max-width:900px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:12px 16px;border-radius:14px;border:1px solid var(--line);
  background:#fff;color:var(--ink);font-weight:900;cursor:pointer;
}
.btn.primary{background:var(--red);border-color:var(--red);color:#fff}
.btn:hover{filter:brightness(.98)}
.btn:active{transform:translateY(1px)}
.btn.block{width:100%}

.pill{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 12px;border-radius:999px;
  background:rgba(255,255,255,.18);
  border:1px solid rgba(255,255,255,.28);
  color:#fff;font-size:13px;font-weight:900;
  backdrop-filter: blur(10px);
}
.pill b{color:#fff}

.icon-badge{
  width:30px;height:30px;border-radius:12px;
  display:grid;place-items:center;
  background:rgba(200,16,46,.08);
  border:1px solid rgba(200,16,46,.18);
  color:var(--red);
  font-weight:950;
}

/* NAV */
.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(246,247,251,.88);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--line);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 0}
.brand{display:flex;align-items:center;gap:12px}
.brand span{font-weight:950;letter-spacing:.2px}

.brand-logo{
  width:44px;height:44px;
  border-radius:14px;
  background:#fff;
  border:1px solid var(--line);
  box-shadow: 0 10px 20px rgba(2,6,23,.10);
  object-fit:contain;
  padding:6px;
}

.nav-links{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.nav-links a{font-size:14px;color:var(--muted);font-weight:900}
.nav-links a:hover{color:var(--ink)}
@media (max-width:900px){ .nav-links{display:none} }
.nav-cta{display:flex;gap:10px;align-items:center}

/* HERO */
.hero{
  position:relative;
  padding:86px 0 62px 0;
  background-size:cover;
  background-position:center;
  background-repeat:no-repeat;
}

/* Background image (prefer webp if present) */
.hero.hero-photo{
  background-image:url("hero-bg.png");
}
}
/* If you only have JPG, change the line above to:
   background-image:url("hero-bg.jpg");
*/

/* Overlay for readability */
.hero::before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg, rgba(0,0,0,.66) 0%, rgba(0,0,0,.40) 55%, rgba(0,0,0,.62) 100%);
}
.hero .container{position:relative;z-index:1}

.hero-wrap{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:18px;
  align-items:stretch;
}
@media (max-width:900px){.hero-wrap{grid-template-columns:1fr}}

.kicker{
  color:#fff;
  font-weight:950;
  font-size:13px;
  letter-spacing:.45px;
  margin-bottom:10px;
  text-transform:uppercase;
  text-shadow:0 2px 14px rgba(0,0,0,.35);
}
.accent{color:#ffd1d8}

.lead{
  color:rgba(255,255,255,.92);
  text-shadow:0 2px 14px rgba(0,0,0,.25);
  font-size:16px;
}
.hero h1{
  font-size:46px;
  color:#fff;
  margin-bottom:10px;
  text-shadow:0 2px 18px rgba(0,0,0,.35);
}
@media (max-width:520px){.hero h1{font-size:34px}}

.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.trust-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}

.notice{
  font-size:12px;
  color:rgba(255,255,255,.86);
  border:1px solid rgba(255,255,255,.24);
  background: rgba(0,0,0,0.18);
  border-radius:14px;
  padding:12px;
  margin-top:14px;
}

/* GLASS PANELS */
.glass{
  background: rgba(255,255,255,0.12) !important;
  border:1px solid rgba(255,255,255,0.26) !important;
  box-shadow: 0 18px 46px rgba(0,0,0,.30) !important;
  backdrop-filter: blur(14px);
}

.hero-left{
  padding:28px;
  border-radius:var(--radius);
}

/* FORM */
.form{
  padding:18px;
  border-radius:var(--radius);
}
.hint{margin:0 0 12px 0;font-size:14px;color:rgba(255,255,255,.85)}
.form h3{color:#fff;margin-bottom:6px}
.form label{color:rgba(255,255,255,.86)}
.field{display:flex;flex-direction:column;gap:6px;margin:10px 0}

input,select,textarea{
  width:100%;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid rgba(255,255,255,.22);
  background: rgba(255,255,255,0.92);
  font-size:15px;
  outline:none;
}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{
  border-color:rgba(200,16,46,.55);
  box-shadow:0 0 0 4px rgba(200,16,46,.16)
}
.tiny{color:rgba(255,255,255,.82)}
.tiny a{text-decoration:underline}

/* Security badges */
.badge-row{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:12px;
  margin-top:14px;
}
@media (max-width:520px){.badge-row{grid-template-columns:1fr}}

.sec-badge{
  display:flex;
  gap:10px;
  align-items:flex-start;
  padding:12px;
  border-radius:16px;
  border:1px solid rgba(255,255,255,.24);
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(14px);
}
.sec-ic{
  width:34px;height:34px;border-radius:14px;
  display:grid;place-items:center;
  background: rgba(255,255,255,0.16);
  border:1px solid rgba(255,255,255,0.22);
}
.sec-title{color:#fff;font-weight:950;font-size:13px}
.sec-sub{color:rgba(255,255,255,.82);font-size:12px;margin-top:2px}

/* mini badges under form */
.form-mini-badges{
  display:flex;gap:8px;flex-wrap:wrap;
  margin-top:12px;
}
.mini-pill{
  font-size:12px;
  font-weight:900;
  color:#fff;
  padding:8px 10px;
  border-radius:999px;
  border:1px solid rgba(255,255,255,.24);
  background: rgba(0,0,0,0.18);
  backdrop-filter: blur(14px);
}

/* ICON CARDS */
.icon-card{padding:18px}
.icon-top{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.icon{
  width:38px;height:38px;border-radius:14px;border:1px solid var(--line);
  background:#fff;display:grid;place-items:center;font-weight:950;color:var(--red);
}

/* Calculator */
.calc{padding:18px}
.calc-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;flex-wrap:wrap}
.sub{margin:0;color:var(--muted)}
.calc-actions{display:flex;align-items:center;gap:12px;margin-top:12px;flex-wrap:wrap}
.result{font-weight:950;color:var(--red);font-size:20px;}
.calc-note{margin-top:10px;color:var(--muted);font-size:14px}
.calc-note a{text-decoration:underline}

/* Banners + footer */
.banner{
  padding:18px;border-radius:var(--radius);
  border:1px solid var(--line);
  background:#fff;
  box-shadow:var(--shadow);
}
.sep{border:none;border-top:1px solid var(--line);margin:18px 0}

.footer{border-top:1px solid var(--line);padding:28px 0;background:#fff}
.cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:18px}
@media (max-width:900px){.cols{grid-template-columns:1fr}}
.foot-title{font-size:14px;margin-bottom:10px}
.foot-brand{margin-bottom:10px}
.sub{color:var(--muted)}
.center-wrap{max-width:820px;margin:0 auto;}