:root {
  --bg: #f4f2ec;
  --surface: #ffffff;
  --ink: #2b2b2b;
  --ink-2: #555b57;
  --ink-3: #8a8f8b;
  --line: #e7e3d8;
  --blue: #10a8e5;
  --blue-600: #0b8bc4;
  --blue-50: #d8eef8;
  --green: #4c8c3a;
  --green-ink: #0f3d2e;
  --green-50: #eef6ec;
  --teal: #3f8f6e;
  --amber: #f2b441;
  --amber-50: #fdf6e7;
  --cream: #efebdf;
  --red: #e5484d;
  --radius: 20px;
  --radius-sm: 12px;
  --shadow: 0 18px 50px -20px rgba(30, 40, 30, 0.25);
  --font-head: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Rubik", system-ui, -apple-system, "Segoe UI", sans-serif;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  overflow-x: clip;
  background: var(--bg);
  color: var(--ink);
  font: 400 16px/1.6 var(--font-body);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-head); margin: 0; letter-spacing: -0.02em; line-height: 1.15; }
p { margin: 0; }
a { color: inherit; }
svg { display: block; }

.container { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 860px; }

.skip { position: absolute; left: -9999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { left: 8px; }

:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 6px; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 999px; border: 2px solid transparent;
  font: 600 15px/1.2 var(--font-head); text-decoration: none; cursor: pointer;
  transition: background-color .15s, transform .15s, box-shadow .15s;
}
.btn svg { width: 18px; height: 18px; }
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--blue); color: #fff; }
.btn--primary:hover { background: var(--blue-600); }
.btn--outline { border-color: var(--blue); color: var(--blue-600); background: transparent; }
.btn--outline:hover { background: var(--blue-50); }
.btn--amber { background: var(--amber); color: var(--ink); }
.btn--sm { padding: 10px 18px; font-size: 14px; }
.btn--block { width: 100%; }

/* ---------- small atoms ---------- */
.eyebrow { font: 700 11px/1.4 var(--font-head); text-transform: uppercase; letter-spacing: .1em; color: var(--ink); margin-bottom: 10px; }
.eyebrow--muted { color: var(--ink-3); margin-bottom: 4px; }
.eyebrow--blue { color: var(--blue-600); }
.eyebrow--green { color: var(--teal); }
.eyebrow--amber { color: var(--amber); }

.pill { display: inline-block; padding: 4px 12px; border-radius: 999px; font: 700 12px/1.4 var(--font-head); }
.pill--amber { background: var(--amber); color: var(--ink); }

.tags { display: flex; flex-wrap: wrap; gap: 8px; }
.tag { display: inline-block; padding: 5px 12px; border-radius: 999px; background: var(--cream); font-size: 12px; font-weight: 500; color: var(--ink); }
.tag--white { background: #fff; }
.tag--blue { background: var(--blue); color: #fff; }

.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px; font-size: 12px; }

.card { background: var(--surface); border-radius: var(--radius); }

/* ---------- header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .92); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.site-header__inner { display: flex; align-items: center; gap: 24px; height: 68px; }
.site-header__brand { text-decoration: none; }
.site-nav { display: flex; gap: 28px; margin: 0 auto; }
.site-nav a, .site-header__individual { font: 600 14px var(--font-head); text-decoration: none; color: var(--ink); }
.site-nav a:hover, .site-header__individual:hover { color: var(--blue-600); }
.site-header__actions { display: flex; align-items: center; gap: 20px; }

.lang { display: inline-flex; padding: 3px; border-radius: 999px; background: var(--bg); border: 1px solid var(--line); }
.lang__opt { padding: 4px 10px; border-radius: 999px; font: 700 12px/1.4 var(--font-head); text-decoration: none; color: var(--ink-2); }
.lang__opt.is-active { background: var(--ink); color: #fff; }

.logo { display: inline-flex; color: var(--blue); }
.logo__img { display: block; width: auto; height: 40px; }
.logo--light { color: #fff; }

/* ---------- hero ---------- */
.hero { padding: 64px 0 56px; }
.hero__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero__title { font-size: clamp(38px, 5.2vw, 60px); font-weight: 800; line-height: 1.08; }
.hl { background: linear-gradient(transparent 62%, #59c2f0 62%, #59c2f0 92%, transparent 92%); padding: 0 4px; }
.hero__lead { margin-top: 22px; max-width: 470px; font-size: 17px; color: var(--ink-2); }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

.hero__visual { position: relative; padding-bottom: 40px; }
.mock-card { background: #fff; border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); margin-right: 40px; }
.mock-card__head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 18px; }
.mock-card__fund { font: 600 17px var(--font-head); }
.mock-stats { display: grid; grid-template-columns: 1fr 1fr .6fr; gap: 10px; margin-bottom: 20px; }
.mock-stat { background: var(--bg); border-radius: var(--radius-sm); padding: 12px; display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.mock-stat span, .mock-stat small { font-size: 10px; color: var(--ink-3); }
.mock-stat strong { font: 600 clamp(12px, 1.25vw, 15px) var(--font-head); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.mock-label { font: 500 12px var(--font-body); margin-bottom: 8px; }
.policy-bar { display: flex; height: 8px; border-radius: 99px; overflow: hidden; gap: 3px; }
.policy-bar .c1 { flex: 55; } .policy-bar .c2 { flex: 27; } .policy-bar .c3 { flex: 18; }
.c1 { background: var(--amber); } .c2 { background: var(--teal); } .c3 { background: #cfd6cf; }
.legend { list-style: none; display: flex; flex-wrap: wrap; gap: 14px; padding: 0; margin: 8px 0 18px; font-size: 10px; color: var(--ink-3); }
.legend li { display: flex; align-items: center; gap: 5px; }
.legend i { width: 6px; height: 6px; border-radius: 50%; }

.mock-public { position: absolute; right: 0; bottom: 0; width: 200px; background: #fff; border-radius: 16px; padding: 14px; box-shadow: var(--shadow); }
.mock-public__chart { height: 64px; background: var(--green-50); border-radius: 10px; color: var(--teal); padding: 8px; margin: 6px 0 10px; }
.mock-public__chart svg { width: 100%; height: 100%; }
.mock-public__title { font: 700 13px/1.3 var(--font-head); color: var(--green-ink); }
.mock-public__body { font-size: 10px; color: var(--ink-3); margin: 4px 0 12px; }

.trust { background: #e8e8e4; border-block: 2px solid #b9dcef; }
.trust__list { list-style: none; display: flex; justify-content: center; flex-wrap: wrap; gap: 12px 40px; padding-block: 16px; margin: 0 auto; color: var(--ink-2); }
.trust__list li { display: flex; align-items: center; gap: 8px; }
.trust__list svg { width: 16px; height: 16px; color: var(--teal); }

/* ---------- sections ---------- */
.section { padding: 96px 0; }
.section--tight { padding: 48px 0; }
.section__title { font-size: clamp(28px, 3.4vw, 40px); font-weight: 700; margin-bottom: 36px; }
.section__title--narrow { max-width: 680px; }
.section__title--green { color: var(--green-ink); }

/* compare */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.compare__col { background: #fff; border-radius: var(--radius); padding: 30px; }
.compare__col--kb { background: var(--blue-50); }
.ticklist { list-style: none; padding: 0; margin: 6px 0 0; display: grid; gap: 14px; font-size: 14px; color: var(--ink-2); }
.ticklist li { display: flex; gap: 12px; align-items: flex-start; }
.ticklist svg { flex: none; width: 20px; height: 20px; border-radius: 50%; padding: 4px; margin-top: 1px; }
.ticklist--cross svg { background: #fde8e8; color: var(--red); }
.ticklist--check svg { background: var(--blue); color: #fff; }
.compare__col--kb .ticklist { color: var(--ink); }

/* benefits */
.cards3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.benefit { padding: 28px; display: flex; flex-direction: column; gap: 14px; }
.benefit__top { display: flex; justify-content: space-between; align-items: center; }
.benefit__icon { width: 40px; height: 40px; border-radius: 10px; background: var(--blue-50); color: var(--blue-600); display: grid; place-items: center; }
.benefit__icon svg { width: 22px; height: 22px; }
.benefit__num { font: 600 44px/1 var(--font-head); color: #e3dccb; }
.benefit h3 { font-size: 20px; font-weight: 700; }
.benefit > p { font-size: 14px; color: var(--ink-2); }
.benefit .tags { margin-top: auto; padding-top: 12px; }
.optlist, .feelist { display: grid; gap: 10px; margin-top: auto; }
.opt { background: var(--cream); border-radius: var(--radius-sm); padding: 14px; font-size: 13px; display: grid; gap: 2px; color: var(--ink-2); }
.opt strong { color: var(--ink); font-weight: 600; }
.fee { display: flex; justify-content: space-between; align-items: center; background: var(--cream); border-radius: var(--radius-sm); padding: 12px 14px; font: 600 13px var(--font-head); }

/* steps */
.steps { list-style: none; padding: 0; margin: 0 0 32px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step { border-top: 3px solid var(--blue); padding-top: 18px; }
.step__label { font: 700 12px var(--font-head); color: var(--blue); }
.step h3 { font-size: 20px; margin: 6px 0 8px; }
.step p { font-size: 14px; color: var(--ink-2); }
.flow { display: flex; align-items: stretch; gap: 10px; background: var(--amber-50); border-radius: var(--radius); padding: 20px; border: 1px solid #f3e6c6; }
.flow__box { flex: 1; background: var(--amber); border-radius: var(--radius-sm); padding: 16px 18px; font: 600 14px/1.4 var(--font-head); }
.flow__box .eyebrow { font-size: 10px; margin-bottom: 6px; }
.flow__arrow { align-self: center; color: #8a9a8a; }
.flow__arrow svg { width: 20px; height: 20px; }

/* product */
.product { background: var(--green); color: #fff; }
.product .section__title { color: #fff; }
.product__grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 56px; align-items: start; }
.product__fig { margin: 0; }
.product figcaption { margin-top: 16px; font-size: 14px; color: rgba(255, 255, 255, .85); }
.product figcaption strong { color: #fff; }
.product__fig--phone { text-align: center; }

.dash { background: var(--bg); color: var(--ink); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.dash__bar { display: flex; align-items: center; gap: 6px; padding: 10px 16px; background: #e9e5da; font-size: 11px; color: var(--ink-2); }
.dash__bar i { width: 8px; height: 8px; border-radius: 50%; background: #cfc9ba; }
.dash__bar span { margin-left: 10px; }
.dash__body { display: grid; grid-template-columns: 130px 1fr; min-height: 300px; }
.dash__nav { list-style: none; margin: 0; padding: 14px 10px; background: #efebe0; display: grid; align-content: start; gap: 6px; font-size: 12px; }
.dash__nav li { padding: 7px 10px; border-radius: 8px; }
.dash__nav li.is-active { background: var(--green-ink); color: #fff; }
.dash__main { padding: 16px; display: grid; gap: 12px; }
.dash__stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.dash__stats div { background: #fff; border-radius: 10px; padding: 10px 12px; display: grid; }
.dash__stats span { font-size: 10px; color: var(--ink-3); }
.dash__stats strong { font: 700 14px var(--font-head); }
.dash__panel { background: #fff; border-radius: 10px; padding: 12px; }
.dash__label { font-size: 11px; color: var(--ink-2); display: block; margin-bottom: 6px; }
.dash__chart { width: 100%; height: 80px; }
.dash__chart .area { fill: #e1eee6; }
.dash__chart .line { fill: none; stroke: var(--teal); stroke-width: 2.5; }
.dash__row { display: flex; justify-content: space-between; gap: 10px; font-size: 11px; padding: 4px 0; }
.dash__row b { font-weight: 600; }
.dash__row .ok { color: var(--teal); }
.dash__row .wait { color: #b8621b; }

.phone { width: 270px; max-width: 100%; margin: 0 auto; background: #fff; color: var(--ink); border: 6px solid #1c2420; border-radius: 30px; padding: 14px; text-align: left; box-shadow: var(--shadow); }
.phone__photo { height: 110px; border-radius: 16px; background: #e1ebe3; display: grid; place-items: center; font-size: 11px; color: var(--ink-2); margin-bottom: 14px; }
.phone .eyebrow { font-size: 9px; margin-bottom: 2px; }
.phone__title { font: 700 17px/1.25 var(--font-head); color: var(--green-ink); }
.phone__body { font-size: 11px; color: var(--ink-3); margin: 4px 0 12px; }
.phone__progress { height: 6px; background: #ede9df; border-radius: 99px; overflow: hidden; }
.phone__progress i { display: block; width: 62%; height: 100%; background: var(--green-ink); }
.phone__meta { display: flex; justify-content: space-between; font-size: 10px; color: var(--ink-3); margin: 6px 0 12px; }
.phone__amounts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; margin-bottom: 12px; }
.phone__amounts span { border: 1px solid var(--line); border-radius: 10px; text-align: center; padding: 8px 0; font: 600 11px var(--font-head); }
.phone__amounts .is-active { border: 2px solid var(--green-ink); }

/* cases */
.case { overflow: hidden; display: flex; flex-direction: column; border: 1px solid #e9efe6; }
.case__head { background: var(--green-50); padding: 22px 24px; display: grid; gap: 14px; }
.case__head h3 { font-size: 22px; font-weight: 700; color: var(--green-ink); }
.case__body { padding: 22px 24px 26px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.case__body h4 { font-size: 15px; color: var(--green-ink); }
.case__body p { font-size: 13px; color: var(--ink-2); }
.case__meta { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 6px 0 12px; padding-top: 12px; border-top: 1px solid var(--line); }
.case__meta dt { font-size: 11px; color: var(--ink-3); }
.case__meta dd { margin: 2px 0 0; font: 600 12px var(--font-head); }
.link-arrow { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; font: 700 14px var(--font-head); text-decoration: none; color: var(--green-ink); }
.link-arrow svg { width: 16px; height: 16px; transition: transform .15s; }
.link-arrow:hover svg { transform: translateX(3px); }

/* governance */
.gov { padding: 40px; display: grid; grid-template-columns: 1fr 1.2fr; gap: 40px; align-items: center; }
.gov .section__title { margin-bottom: 14px; }
.gov__copy > p:not(.eyebrow) { color: var(--ink-2); font-size: 15px; margin-bottom: 18px; }
.gov__copy strong { color: var(--ink); }
.people { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 26px 24px; }
.person { display: flex; align-items: center; gap: 12px; }
.person strong { display: block; font: 700 14px/1.3 var(--font-head); color: var(--green-ink); }
.person small { font-size: 12px; color: var(--ink-3); }
.avatar { flex: none; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--green-50); color: var(--green-ink); font: 700 14px var(--font-head); border: 2px solid #dbe8d6; }

/* faq */
.faq { display: grid; gap: 12px; }
.faq__item { background: #fff; border-radius: var(--radius-sm); padding: 0 22px; }
.faq__item summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 18px 0; font: 700 16px/1.35 var(--font-head); color: var(--green-ink); }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary svg { flex: none; width: 20px; height: 20px; transition: transform .2s; color: var(--teal); }
.faq__item[open] summary svg { transform: rotate(180deg); }
.faq__item p { padding: 0 0 20px; font-size: 14px; color: var(--ink-2); }

/* cta */
.cta { background: var(--amber); border-radius: var(--radius); padding: 48px; display: flex; justify-content: space-between; align-items: center; gap: 32px; }
.cta h2 { font-size: clamp(28px, 3.4vw, 40px); font-weight: 800; margin-bottom: 10px; }
.cta p { max-width: 480px; color: #3d3a30; }
.cta .btn { flex: none; }

/* footer */
.site-footer { background: var(--green); color: #fff; padding: 44px 0 28px; margin-top: 48px; }
.site-footer__top { display: flex; justify-content: space-between; gap: 32px; padding-bottom: 20px; border-bottom: 1px solid rgba(255, 255, 255, .2); }
.site-footer__top a { text-decoration: none; }
.site-footer__top p { margin-top: 12px; max-width: 340px; font-size: 13px; color: rgba(255, 255, 255, .85); }
.site-footer__nav { display: flex; gap: 22px; font-size: 13px; }
.site-footer__nav a:hover { text-decoration: underline; }
.site-footer__legal { padding-top: 18px; font-size: 12px; color: rgba(255, 255, 255, .7); }

/* ---------- responsive ---------- */
@media (max-width: 1000px) {
  .site-nav, .site-header__individual { display: none; }
  .site-header__actions { margin-left: auto; }
  .hero__grid, .product__grid, .gov { grid-template-columns: minmax(0, 1fr); }
  .hero__grid > *, .product__grid > *, .gov > * { min-width: 0; }
  .hero__visual { max-width: 560px; }
  .cards3 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  body { font-size: 15px; }
  .container { padding: 0 16px; }
  .site-header__actions .btn { display: none; }
  .hero { padding: 40px 0; }
  .section { padding: 64px 0; }
  .mock-card { margin-right: 0; padding: 18px; }
  .mock-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .mock-stats .mock-stat:last-child { display: none; }
  .mock-public { position: relative; width: auto; max-width: 240px; margin: -24px 0 0 auto; }
  .hero__visual { padding-bottom: 0; }
  .compare, .cards3, .steps { grid-template-columns: minmax(0, 1fr); }
  .flow { flex-direction: column; }
  .flow__arrow { transform: rotate(90deg); }
  .dash__body { grid-template-columns: 1fr; }
  .dash__nav { display: none; }
  .gov { padding: 24px; }
  .people { grid-template-columns: minmax(0, 1fr); }
  .dash__stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .cta { flex-direction: column; align-items: flex-start; padding: 32px 24px; }
  .site-footer__top { flex-direction: column; }
  .site-footer__nav { flex-wrap: wrap; }
}