* {
  box-sizing: border-box;
}

:root {
  --bg: #f7f5f2;
  --ink: #1c1c1c;
  --muted: #5a5a5a;
  --accent: #2a5b85;
  --accent-2: #8b6c42;
  --soft: #efe9e2;
  --card: #ffffff;
  --line: #ded7cf;
}

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
}

a {
  color: var(--accent);
  text-decoration: none;
}

img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

header {
  padding: 22px 28px;
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  font-weight: 700;
  letter-spacing: 0.4px;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 14px;
}

.ad-label {
  font-size: 12px;
  color: #fff;
  background: #4b4b4b;
  padding: 6px 10px;
  border-radius: 999px;
}

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 28px;
}

.hero {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  align-items: stretch;
  padding: 54px 0 34px;
}

.hero-text {
  flex: 1 1 360px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
  padding: 12px 0;
}

.hero-visual {
  flex: 1 1 420px;
  display: flex;
  align-items: stretch;
}

.image-frame {
  background: var(--soft);
  padding: 14px;
  border-radius: 18px;
  transform: translateY(-12px);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.08);
}

.image-frame img {
  border-radius: 14px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 8px;
  background: var(--accent);
  color: #fff;
  border: none;
  font-weight: 600;
  cursor: pointer;
}

.btn.secondary {
  background: var(--accent-2);
}

.section {
  padding: 46px 0;
}

.split {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  align-items: center;
}

.split.reverse {
  flex-direction: row-reverse;
}

.offset-panel {
  flex: 1 1 360px;
  background: #fff;
  padding: 28px;
  border-left: 6px solid var(--accent);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.08);
}

.note {
  color: var(--muted);
  font-size: 15px;
}

.cards {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
}

.card {
  flex: 1 1 220px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.card-image {
  background: #dfe6eb;
  height: 160px;
}

.card-body {
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.tag {
  font-size: 12px;
  text-transform: uppercase;
  color: var(--muted);
  letter-spacing: 0.8px;
}

.bg-ledger {
  background: linear-gradient(120deg, rgba(255, 255, 255, 0.9), rgba(239, 233, 226, 0.9)),
    url("https://images.unsplash.com/photo-1427751840561-9852520f8ce8?w=1400&q=80");
  background-size: cover;
  background-position: center;
}

.bg-ledger .offset-panel {
  background: rgba(255, 255, 255, 0.92);
}

.testimonial {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  align-items: center;
}

.testimonial img {
  border-radius: 16px;
}

.inline-image {
  background: #e6ded3;
  border-radius: 16px;
  overflow: hidden;
}

.inline-image.lg {
  height: 280px;
}

.inline-image.md {
  height: 260px;
}

.panel-wide {
  flex: 1 1 420px;
}

.form-shell {
  background: #fff;
  padding: 28px;
  border-radius: 16px;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.08);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

label {
  font-weight: 600;
  font-size: 14px;
}

input,
select,
textarea {
  padding: 10px 12px;
  border-radius: 8px;
  border: 1px solid var(--line);
  font-size: 15px;
  width: 100%;
}

.form-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.form-grid .field {
  flex: 1 1 220px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

footer {
  padding: 40px 0;
  border-top: 1px solid var(--line);
  background: #fff;
}

.footer-columns {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.footer-col {
  flex: 1 1 220px;
  font-size: 14px;
  color: var(--muted);
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.sticky-cta {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 10;
  display: flex;
  flex-direction: column;
  gap: 6px;
  align-items: flex-end;
}

.sticky-cta .btn {
  box-shadow: 0 10px 18px rgba(0, 0, 0, 0.18);
}

#cookie-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100%;
  background: #1d1d1d;
  color: #fff;
  padding: 16px 22px;
  display: none;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  z-index: 12;
}

#cookie-banner .btn {
  background: #f0c37d;
  color: #1c1c1c;
}

#cookie-banner .btn.secondary {
  background: transparent;
  border: 1px solid #f0c37d;
  color: #f0c37d;
}

.page-hero {
  padding: 40px 0 20px;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
}

.page-hero .image-frame {
  transform: translateX(12px);
}

.simple-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.legal-block {
  background: var(--card);
  padding: 20px;
  border-radius: 14px;
  border: 1px solid var(--line);
  margin-bottom: 14px;
}

.reference-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 13px;
  color: var(--muted);
}