@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;600&display=swap');
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#1c2430;background:#f6f8fb;line-height:1.55}
a{color:#0b5fff}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid #e3e8ef;position:sticky;top:0;z-index:5}header .wrap{display:flex;justify-content:space-between;align-items:center;height:64px}
.logo{font-weight:700;font-size:1.15rem;color:#0f2a4a;text-decoration:none}nav a{margin-left:18px;text-decoration:none;color:#334;font-weight:500}
.hero{background:linear-gradient(135deg,#0f2a4a,#1f5fa8);color:#fff;padding:80px 0}.hero h1{font-size:2.4rem;margin:0 0 12px;line-height:1.2}.hero p{font-size:1.15rem;max-width:640px;opacity:.92}
.btn{display:inline-block;background:#ffb020;color:#1c2430;padding:12px 22px;border-radius:8px;font-weight:600;text-decoration:none;border:0;cursor:pointer;font-size:1rem}.btn.alt{background:transparent;color:#fff;border:2px solid #fff;margin-left:10px}
section{padding:60px 0}h2{font-size:1.8rem;color:#0f2a4a;margin-top:0}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.card{background:#fff;border:1px solid #e3e8ef;border-radius:12px;padding:22px}.card h3{margin-top:0;color:#1f5fa8}.steps .card b{display:inline-block;background:#1f5fa8;color:#fff;border-radius:50%;width:30px;height:30px;text-align:center;line-height:30px;margin-bottom:8px}
.cta{background:#fff;border-top:1px solid #e3e8ef;text-align:center}footer{padding:24px 0;font-size:.85rem;color:#667;text-align:center}
.note{font-size:.85rem;color:#667}.disc{background:#fff7e0;border:1px solid #f1d58a;padding:10px 14px;border-radius:8px;font-size:.9rem}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:640px){form .row{grid-template-columns:1fr}.hero h1{font-size:1.8rem}nav a{margin-left:10px;font-size:.9rem}}
label{display:block;font-weight:600;margin:14px 0 4px;font-size:.92rem}input,select,textarea{width:100%;padding:10px;border:1px solid #c9d2de;border-radius:8px;font:inherit;background:#fff}
fieldset{border:1px solid #e3e8ef;border-radius:10px;padding:8px 16px 16px;margin:18px 0}legend{font-weight:700;color:#0f2a4a}.hidden{display:none}
.err{color:#b42318;font-size:.9rem}.errs{background:#fdecea;border:1px solid #f5c2c0;padding:10px 14px;border-radius:8px;color:#b42318}.ok{background:#e8f7ee;border:1px solid #9fd8b4;padding:24px;border-radius:12px}
.mtn{display:flex;gap:8px;margin-bottom:6px}.mtn button{width:auto}.small{padding:6px 12px;font-size:.85rem;background:#e8eef7;border:1px solid #c9d2de;border-radius:6px;cursor:pointer}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500}.check input{width:auto;margin-top:5px}
#chat-btn{position:fixed;right:20px;bottom:20px;background:#1f5fa8;color:#fff;border:0;border-radius:30px;padding:14px 20px;font-weight:600;box-shadow:0 6px 20px rgba(0,0,0,.2);cursor:pointer;z-index:9}
#chat{position:fixed;right:20px;bottom:80px;width:340px;max-width:calc(100vw - 40px);height:440px;background:#fff;border-radius:14px;box-shadow:0 10px 40px rgba(0,0,0,.25);display:flex;flex-direction:column;overflow:hidden;z-index:9}
#chat .hd{background:#0f2a4a;color:#fff;padding:12px 14px;font-weight:600}#chat .log{flex:1;overflow:auto;padding:12px;font-size:.92rem}
.msg{margin:6px 0;padding:8px 12px;border-radius:10px;max-width:85%}.bot{background:#eef2f8}.me{background:#1f5fa8;color:#fff;margin-left:auto}
#chat form{display:flex;border-top:1px solid #e3e8ef}#chat form input{border:0;border-radius:0}#chat form button{border:0;background:#1f5fa8;color:#fff;padding:0 14px;cursor:pointer}
.lead input{margin:4px 0}table{width:100%;border-collapse:collapse;background:#fff;font-size:.88rem}th,td{border-bottom:1px solid #e3e8ef;padding:8px;text-align:left;vertical-align:top}th{background:#eef2f8}
.badge{padding:2px 8px;border-radius:10px;font-size:.78rem;background:#e8eef7}.tbl{overflow-x:auto}
#chat.hidden{display:none}
/* ===== v2 monochrome (black / silver / white) ===== */
:root{--black:#0A0A0A;--charcoal:#1C1C1E;--silver:#A7A9AC;--light:#E5E5E7;--white:#FFFFFF}
body{font-family:Montserrat,'Helvetica Neue',Arial,sans-serif;color:var(--charcoal);background:var(--white);font-weight:400}
a{color:var(--black)}
header{background:var(--black);border-bottom:1px solid #222}
.logo{display:flex;align-items:center;gap:12px;color:var(--white);text-transform:uppercase;letter-spacing:.32em;font-weight:400;font-size:1rem}
.logo img{height:34px;width:auto}
nav a{color:var(--silver);text-transform:uppercase;letter-spacing:.18em;font-size:.75rem;font-weight:600}nav a:hover{color:var(--white)}
.hero{background:radial-gradient(ellipse at 70% 30%,#2a2a2d 0%,var(--black) 65%);color:var(--white);padding:120px 0}
.hero h1{text-transform:uppercase;letter-spacing:.12em;font-weight:300;font-size:2.4rem}.hero p{color:var(--light)}
.tagline{text-transform:uppercase;letter-spacing:.3em;font-size:.8rem;color:var(--silver)!important}
.subline{color:var(--silver)!important;letter-spacing:.08em}
.btn{background:var(--white);color:var(--black);border-radius:2px;text-transform:uppercase;letter-spacing:.2em;font-size:.8rem;padding:14px 28px}
.btn.alt{border:1px solid var(--silver);color:var(--white)}
h2{color:var(--black);text-transform:uppercase;letter-spacing:.2em;font-weight:300}
.card{border:1px solid var(--light);border-radius:2px}.card h3{color:var(--black);text-transform:uppercase;letter-spacing:.12em;font-weight:600;font-size:.95rem}
.steps .card b{background:var(--black)}
.cta{background:var(--charcoal);color:var(--white);border:0}.cta h2{color:var(--white)}
footer{background:var(--black);color:var(--silver)}
.disc{background:#f2f2f3;border-color:var(--light)}
input,select,textarea{border-radius:2px;border-color:#cfcfd2}legend{color:var(--black);text-transform:uppercase;letter-spacing:.15em}fieldset{border-radius:2px}
.small{background:var(--light);border-radius:2px}
#chat-btn{background:var(--black);border:1px solid var(--silver);border-radius:2px;text-transform:uppercase;letter-spacing:.15em;font-size:.8rem}
#chat{border-radius:4px}#chat .hd{background:var(--black);letter-spacing:.15em;text-transform:uppercase;font-size:.85rem}
.me{background:var(--charcoal)}.bot{background:#f0f0f1}#chat form button{background:var(--black)}
th{background:#f0f0f1}.badge{background:var(--light)}
.hero a:not(.btn),.hero .note,.note{color:var(--silver)}.btn.alt{margin-left:0;margin-top:10px}
.logo img,.hero-logo{mix-blend-mode:screen}.logo img{height:40px}
.hero .wrap{display:flex;align-items:center;gap:48px}.hero .hero-copy{flex:1}.hero-logo{width:380px;max-width:40%;height:auto;flex:none}
@media(max-width:800px){.hero .wrap{flex-direction:column-reverse}.hero-logo{max-width:70%}}
.logo img{mix-blend-mode:normal}