:root {
  --bg: #f4f7fb;
  --ink: #121826;
  --muted: #526074;
  --card: #ffffff;
  --line: #d5deea;
  --accent: #1f4b99;
  --sky: #e8f0fb;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Sora, sans-serif;
  color: var(--ink);
  background:
    linear-gradient(180deg, #ffffff 0%, var(--bg) 40%, #e9eef6 100%);
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
.wrap { width: min(1000px, calc(100% - 2rem)); margin: 0 auto; }

.top {
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(8px);
  z-index: 5;
}
.bar {
  min-height: 64px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.brand {
  font-family: Newsreader, serif;
  font-size: 1.45rem;
  font-weight: 700;
}
nav { display: flex; gap: 1rem; color: var(--muted); font-size: 0.95rem; }
nav a:hover { color: var(--accent); }

.hero { padding: 4.3rem 0 2rem; }
.eyebrow {
  margin: 0 0 0.75rem;
  color: var(--accent);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
h1, h2, h3 { font-family: Newsreader, serif; margin: 0 0 0.7rem; line-height: 1.15; }
h1 { font-size: clamp(2rem, 4vw, 3.2rem); max-width: 16ch; }
.lead { max-width: 60ch; color: var(--muted); margin: 0; font-size: 1.05rem; }
.offer {
  margin: 1.1rem 0 0;
  max-width: 60ch;
  padding: 0.9rem 1rem;
  border-left: 3px solid var(--accent);
  background: rgba(31, 75, 153, 0.08);
  color: var(--ink);
  font-size: 0.98rem;
}
.block { padding: 2rem 0; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.9rem;
  margin-top: 1rem;
}
.cards article {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 1.1rem;
}
.cards p { margin: 0; color: var(--muted); font-size: 0.95rem; }

.terms {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.8rem;
  margin: 0;
}
.terms > div {
  background: var(--sky);
  border-radius: 14px;
  padding: 1rem 1.1rem;
}
dt { font-weight: 700; margin-bottom: 0.35rem; }
dd { margin: 0; color: var(--muted); }

.callout {
  background: #15325f;
  color: #f3f7ff;
  border-radius: 22px;
  padding: 1.6rem 1.8rem;
  margin: 1rem auto 2rem;
}
.callout p { margin: 0; color: #d5e2f5; }

details {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.85rem 1rem;
  margin: 0.6rem 0;
}
summary { cursor: pointer; font-weight: 700; }
details p { margin: 0.6rem 0 0; color: var(--muted); }

.foot {
  border-top: 1px solid var(--line);
  background: #e8eef7;
  padding: 2rem 0;
}
.fine { color: var(--muted); font-size: 0.9rem; }

@media (max-width: 800px) {
  .cards, .terms { grid-template-columns: 1fr; }
  nav { display: none; }
}