.section{padding:42px 0}
    .grid{display:grid;gap:14px}
    .grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
    .grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
    @media (max-width:980px){.grid-2,.grid-3{grid-template-columns:1fr}}
    .card{
      background:var(--card);
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
      padding:18px;
    }
    .muted{color:var(--muted)}
    .pill{
      display:inline-flex;align-items:center;gap:8px;
      padding:10px 12px;border-radius:999px;
      background:#fff;border:1px solid rgba(19,86,167,.18);
      color:var(--text);
      font-weight:800;font-size:13px;letter-spacing:.02em;
      white-space:nowrap;
    }
    .pill strong{color:var(--orange)}
    .btn{
      display:inline-flex;align-items:center;justify-content:center;gap:10px;
      border:0;border-radius:var(--radius2);
      padding:12px 16px;font-weight:900;
      cursor:pointer;text-decoration:none;
      transition:transform .08s ease, filter .12s ease, background .12s ease;
      user-select:none;
      white-space:nowrap;
    }
    .btn:active{transform:translateY(1px)}
    .btn-primary{background:#3b83f7;color:#fff}
    .btn-primary:hover{filter:brightness(.98)}
    .btn-ghost{background:#fff;color:var(--blue);border:1px solid rgba(19,86,167,.25)}
    .btn-ghost:hover{background:rgba(19,86,167,.05)}
    .btn-orange{background:var(--orange);color:#fff}
    .btn-orange:hover{filter:brightness(.98)}
    .hr{height:1px;background:var(--line);border:0;margin:18px 0}


    /* ===== Hero ===== */
    .hero{padding:42px 0 18px}
    .hero-wrap{display:grid;gap:14px;grid-template-columns:1.35fr .65fr;align-items:stretch}
    @media (max-width:980px){.hero-wrap{grid-template-columns:1fr}}
    .kicker{
      display:inline-flex;gap:8px;align-items:center;
      color:var(--blue);font-weight:900;font-size:13px;letter-spacing:.02em
    }
    h1{margin:10px 0 10px;font-size:40px;line-height:1.08}
    @media (max-width:520px){h1{font-size:34px}}
    .lead{margin:0;color:#3a4a63;font-size:16px;line-height:1.65}
    .hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 10px}
    .hero-cta{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:12px}
    .hero-mini{margin:10px 0 0;font-size:12px;color:var(--muted);line-height:1.55}
    .hero-side .card{height:100%}
    .side-title{margin:0 0 10px;font-size:16px}
    .side-list{margin:0;padding:0;list-style:none;display:grid;gap:10px}
    .li{display:flex;gap:10px;align-items:flex-start;color:#2f3f58;line-height:1.55}
    .li svg{flex:0 0 18px;margin-top:2px}

    /* ===== Tables / forms ===== */
    .table{
      width:100%;
      border-collapse:separate;border-spacing:0;
      overflow:hidden;border:1px solid rgba(11,27,51,.10);
      border-radius:var(--radius);
      background:#fff;
    }
    .table th,.table td{padding:12px 12px;border-bottom:1px solid rgba(11,27,51,.08);vertical-align:top}
    .table th{
      color:var(--text);font-size:13px;text-transform:uppercase;letter-spacing:.03em;
      background:rgba(19,86,167,.06)
    }
    .table tr:last-child td{border-bottom:0}
    .form{display:grid;gap:10px;margin-top:12px}
    .row{display:grid;gap:10px;grid-template-columns:repeat(3,minmax(0,1fr))}
    @media (max-width:980px){.row{grid-template-columns:1fr}}
    input,select,textarea{
      width:100%;
      padding:12px 12px;
      border:1px solid rgba(11,27,51,.15);
      border-radius:var(--radius2);
      background:#fff;color:var(--text);
      outline:none;
    }
    input:focus,select:focus,textarea:focus{
      border-color:rgba(19,86,167,.55);
      box-shadow:0 0 0 3px rgba(19,86,167,.10);
    }
    textarea{min-height:92px;resize:vertical}
    .note{font-size:12px;color:var(--muted);line-height:1.55;margin:6px 0 0}

    /* ===== Steps ===== */
    .steps{display:grid;gap:10px}
    .step{
      display:grid;gap:6px;
      padding:14px 14px;border-radius:16px;
      border:1px solid rgba(11,27,51,.10);
      background:linear-gradient(180deg, rgba(255,255,255,1), rgba(255,255,255,.96));
    }
    .step-head{display:flex;gap:10px;align-items:center}
    .num{
      width:30px;height:30px;border-radius:12px;
      display:grid;place-items:center;
      background:rgba(19,86,167,.10);
      color:var(--blue);font-weight:900
    }
    .step b{font-size:14px}
    .step p{margin:0;color:#3a4a63;line-height:1.6}

    /* ===== FAQ ===== */
    .faq{display:grid;gap:10px}
    .qa{border:1px solid rgba(11,27,51,.10);border-radius:16px;overflow:hidden;background:#fff}
    .q{
      width:100%;
      display:flex;align-items:center;justify-content:space-between;gap:12px;
      padding:14px 14px;background:#fff;border:0;cursor:pointer;
      font-weight:900;color:var(--text);text-align:left;
    }
    .q:hover{background:rgba(19,86,167,.04)}
    .a{display:none;padding:0 14px 14px;color:#3a4a63;line-height:1.65}
    .qa.open .a{display:block}
    .chev{transition:transform .15s ease}
    .qa.open .chev{transform:rotate(180deg)}

    /* ===== Footer ===== */
    footer{padding:28px 0 38px;border-top:1px solid rgba(11,27,51,.08);background:rgba(255,255,255,.55)}
    .foot-grid{display:grid;gap:14px;grid-template-columns:1.2fr .8fr}
    @media (max-width:980px){.foot-grid{grid-template-columns:1fr}}
    .foot-title{margin:0 0 10px;font-size:16px}
    .copy{margin:10px 0 0;color:var(--muted);font-size:12px;line-height:1.55}

    /* ===== Sticky CTA (mobile) ===== */
    .sticky{
      position:fixed;left:0;right:0;bottom:0;z-index:60;
      padding:10px 12px;
      background:rgba(246,248,252,.78);
      backdrop-filter:saturate(180%) blur(10px);
      border-top:1px solid rgba(11,27,51,.10);
      display:none;
    }
    .sticky-inner{display:flex;gap:10px}
    .sticky .btn{flex:1}
    @media (max-width:980px){.sticky{display:block}}