*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --blue:#1e40af;--blue-dark:#1e3a8a;--blue-light:#dbeafe;--blue-mid:#3b82f6;
  --bg:#f8fafc;--bg2:#f0f4ff;--card:#ffffff;
  --border:#e2e8f0;--text:#0f172a;--muted:#64748b;
  --radius:16px;--shadow:0 4px 24px rgba(0,0,0,.08);
}
html{scroll-behavior:smooth;}
body{font-family:'Segoe UI',system-ui,sans-serif;background:var(--bg);color:var(--text);overflow-x:hidden;}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(248,250,252,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:14px 24px;display:flex;align-items:center;justify-content:space-between;}
.logo{font-weight:800;font-size:1.1rem;color:#16a34a;letter-spacing:-.02em;text-decoration:none;}
.logo span{color:var(--text);}
.nav-links{display:flex;gap:20px;align-items:center;}
.nav-links a{color:var(--muted);font-size:.85rem;text-decoration:none;transition:color .2s;}
.nav-links a:hover{color:var(--blue);}

/* HERO */
.hero{min-height:100vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:100px 20px 60px;position:relative;background:linear-gradient(160deg,#eff6ff 0%,#f8fafc 60%,#f0fdf4 100%);}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 50% at 50% 20%,rgba(59,130,246,.1) 0%,transparent 70%);pointer-events:none;}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--blue-light);border:1px solid rgba(30,64,175,.3);border-radius:20px;padding:6px 16px;font-size:.82rem;font-weight:600;color:var(--blue);margin-bottom:24px;}
.hero h1{font-size:clamp(1.8rem,4vw,3rem);font-weight:900;line-height:1.1;margin-bottom:20px;max-width:700px;}
.hero h1 .accent{color:var(--blue);}
.hero p{font-size:1rem;color:var(--muted);max-width:540px;margin:0 auto 36px;line-height:1.7;}
.stats{display:flex;flex-wrap:wrap;justify-content:center;gap:16px;margin-bottom:40px;}
.stat{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px 24px;text-align:center;box-shadow:var(--shadow);}
.stat .val{font-size:1.5rem;font-weight:800;color:var(--blue);}
.stat .lbl{font-size:.75rem;color:var(--muted);margin-top:2px;}
.btn{background:var(--blue);color:#fff;border:none;border-radius:50px;padding:14px 32px;font-size:1rem;font-weight:700;cursor:pointer;transition:all .2s;box-shadow:0 4px 20px rgba(30,64,175,.3);}
.btn:hover{background:var(--blue-dark);transform:translateY(-2px);}
.hint{margin-top:40px;color:var(--muted);font-size:.8rem;animation:bounce 2s infinite;}
@keyframes bounce{0%,100%{transform:translateY(0)}50%{transform:translateY(6px)}}

/* SECTIONS */
section{padding:80px 20px;}
.bg-alt{background:var(--bg2);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.container{max-width:1000px;margin:0 auto;}
.s-label{font-size:.75rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.1em;margin-bottom:10px;}
.s-title{font-size:clamp(1.4rem,3vw,2rem);font-weight:800;margin-bottom:14px;}
.s-sub{color:var(--muted);font-size:.92rem;line-height:1.7;max-width:540px;}

/* SERVICES */
.services{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:40px;}
.scard{background:var(--card);border:2px solid var(--border);border-radius:var(--radius);padding:32px 24px;text-align:center;transition:all .3s;box-shadow:var(--shadow);}
.scard:hover{border-color:var(--blue);transform:translateY(-4px);box-shadow:0 16px 40px rgba(30,64,175,.1);}
.scard .ico{font-size:2.8rem;margin-bottom:16px;}
.scard h3{font-size:1.1rem;font-weight:800;margin-bottom:10px;}
.scard p{font-size:.87rem;color:var(--muted);line-height:1.7;}
.tag{display:inline-block;background:var(--blue-light);color:var(--blue);border-radius:20px;padding:4px 14px;font-size:.78rem;font-weight:700;margin-top:14px;}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;margin-top:40px;}
.step{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;position:relative;overflow:hidden;box-shadow:var(--shadow);transition:border-color .3s;}
.step:hover{border-color:var(--blue);}
.step::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--blue),var(--blue-mid));}
.step .num{font-size:2.2rem;font-weight:900;color:rgba(30,64,175,.12);margin-bottom:10px;}
.step h3{font-size:.95rem;font-weight:700;margin-bottom:6px;}
.step p{font-size:.83rem;color:var(--muted);line-height:1.6;}

/* AIDE */
.aide-box{background:linear-gradient(135deg,#1e3a8a,#1e40af);border-radius:var(--radius);padding:40px;color:#fff;margin-top:40px;position:relative;overflow:hidden;}
.aide-box::after{content:'';position:absolute;right:-40px;top:-40px;width:160px;height:160px;border-radius:50%;background:rgba(255,255,255,.05);}
.aide-box h3{font-size:1.3rem;font-weight:800;margin-bottom:6px;}
.aide-box .sub{color:rgba(255,255,255,.7);font-size:.88rem;margin-bottom:24px;}
.aide-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px;margin-bottom:24px;}
.aide-item{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:14px;text-align:center;}
.aide-item .av{font-size:1.3rem;font-weight:800;}
.aide-item .al{font-size:.72rem;color:rgba(255,255,255,.7);margin-top:3px;}
.aide-note{background:rgba(255,255,255,.1);border-radius:10px;padding:14px;font-size:.83rem;color:rgba(255,255,255,.85);line-height:1.7;}

/* BENEFITS */
.benefits{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:18px;margin-top:40px;}
.ben{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;display:flex;gap:14px;align-items:flex-start;box-shadow:var(--shadow);transition:all .3s;}
.ben:hover{border-color:var(--blue);transform:translateY(-3px);}
.ben .ico{font-size:1.6rem;flex-shrink:0;}
.ben h3{font-size:.92rem;font-weight:700;margin-bottom:5px;}
.ben p{font-size:.81rem;color:var(--muted);line-height:1.6;}

/* TRUST */
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;margin-top:40px;}
.tc{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;text-align:center;box-shadow:var(--shadow);transition:all .3s;}
.tc:hover{border-color:var(--blue);transform:translateY(-3px);}
.tc .ico{font-size:1.8rem;margin-bottom:10px;}
.tc h3{font-size:.9rem;font-weight:700;margin-bottom:5px;}
.tc p{font-size:.8rem;color:var(--muted);line-height:1.6;}

/* FAQ */
.faq{margin-top:32px;}
.fi{border-bottom:1px solid var(--border);}
.fq{width:100%;background:none;border:none;color:var(--text);text-align:left;padding:16px 0;font-size:.92rem;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;}
.fq .arr{color:var(--blue);font-size:1rem;transition:transform .3s;}
.fq.open .arr{transform:rotate(45deg);}
.fa{max-height:0;overflow:hidden;transition:max-height .35s ease;font-size:.86rem;color:var(--muted);line-height:1.7;}
.fa.open{max-height:180px;padding-bottom:14px;}

/* FLOATING BAR */
.floating-bar{position:fixed;bottom:0;left:0;right:0;z-index:200;background:rgba(255,255,255,.97);backdrop-filter:blur(16px);border-top:2px solid var(--blue);padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;transform:translateY(100%);transition:transform .4s cubic-bezier(.4,0,.2,1);box-shadow:0 -8px 40px rgba(0,0,0,.1);}
.floating-bar.visible{transform:translateY(0);}
.ft{font-size:.88rem;font-weight:600;}
.ft span{color:var(--blue);}
.fs{font-size:.76rem;color:var(--muted);margin-top:2px;}
.fb{background:var(--blue);color:#fff;border:none;border-radius:50px;padding:11px 22px;font-size:.88rem;font-weight:700;cursor:pointer;margin-left:auto;transition:all .2s;box-shadow:0 4px 14px rgba(30,64,175,.3);}
.fb:hover{background:var(--blue-dark);transform:translateY(-1px);}
.fc{background:none;border:none;color:var(--muted);cursor:pointer;font-size:1.1rem;}

/* FOOTER */
footer{background:var(--bg2);border-top:1px solid var(--border);padding:28px 20px;text-align:center;color:var(--muted);font-size:.8rem;}
footer strong{color:var(--blue);}

/* RESPONSIVE */
@media(max-width:600px){
  .nav-links{display:none;}
  .floating-bar{flex-wrap:wrap;}
  .steps{grid-template-columns:1fr 1fr;}
}