:root {
      --primary:#1565C0;
      --secondary:#D6A21E;
      --secondary-dark:#B89217;
      --dark:#1F2933;
      --light:#F6F8FB;
      --border:#D9E1EC;
      --muted:#6B7280;
      --success:#2E7D32;
      --error:#B91C1C;
      font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
    }
    *{margin:0;padding:0;box-sizing:border-box;}
    body{color:var(--dark);background:var(--light);line-height:1.6;}
    a{color:var(--primary);text-decoration:none;}
    img{max-width:100%;}
    .container{max-width:1200px;margin:0 auto;padding:0 16px;}
    .skip-link{position:absolute;left:-999px;top:-999px;}
    .skip-link:focus{left:16px;top:16px;background:#fff;padding:8px 12px;border-radius:6px;}
    .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}

    header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20;}
    nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px;flex-wrap:wrap;}
    nav ul{list-style:none;display:flex;gap:16px;flex-wrap:wrap;}
    nav a{font-weight:700;color:var(--dark);}

    .hero{padding:48px 0 40px;background:radial-gradient(circle at top left,#ffffff 0%,#f5f7fb 40%,#e4edf7 100%);text-align:center;}
    .hero-question{font-size:32px;line-height:1.25;color:var(--dark);margin-bottom:12px;max-width:720px;margin-left:auto;margin-right:auto;}
    .hero-sub{font-size:18px;color:var(--muted);margin-bottom:32px;}
    .pill{display:inline-block;background:rgba(214,162,30,.14);color:var(--secondary-dark);border:1px solid var(--secondary);padding:4px 12px;border-radius:999px;font-weight:800;font-size:12px;margin-bottom:16px;}

    .concern-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;max-width:900px;margin:0 auto 24px;}
    .concern-card{background:#fff;border:2px solid var(--border);border-radius:14px;padding:18px 16px;cursor:pointer;transition:all .2s;text-align:left;}
    .concern-card:hover{border-color:var(--primary);transform:translateY(-2px);box-shadow:0 8px 24px rgba(21,101,192,.12);}
    .concern-card.selected{border-color:var(--secondary);background:rgba(214,162,30,.06);}
    .concern-card h3{font-size:15px;margin-bottom:4px;color:var(--dark);}
    .concern-card p{font-size:13px;color:var(--muted);margin:0;}

    .value-response{display:none;background:#fff;border:1px solid var(--border);border-radius:18px;padding:24px;max-width:640px;margin:0 auto 24px;text-align:left;box-shadow:0 12px 40px rgba(21,101,192,.08);}
    .value-response.visible{display:block;animation:fadeIn .3s ease;}
    .value-response h3{font-size:18px;margin-bottom:12px;color:var(--dark);}
    .value-response p{color:var(--dark);margin-bottom:16px;}
    .value-stat{background:var(--light);border-radius:10px;padding:12px 16px;font-size:14px;color:var(--muted);margin-bottom:16px;border-left:3px solid var(--secondary);}
    @keyframes fadeIn{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}

    .form-section{background:#fff;border:1px solid var(--border);border-radius:18px;padding:24px;max-width:480px;margin:0 auto;box-shadow:0 18px 50px rgba(21,101,192,.12);}
    .form-section h2{font-size:20px;margin-bottom:4px;text-align:center;}
    .form-note{font-size:13px;color:var(--muted);margin-bottom:16px;text-align:center;}
    .form-grid{display:grid;gap:14px;}
    label{font-weight:700;font-size:14px;color:var(--dark);}
    .required-star{color:var(--error);margin-left:2px;}
    input,select,textarea{width:100%;padding:12px;border-radius:12px;border:1px solid var(--border);font-size:14px;background:#fff;transition:border-color .2s,box-shadow .2s;}
    input:focus,select:focus,textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(21,101,192,.15);}
    .field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
    .btn{display:inline-block;width:100%;border:none;padding:14px 16px;border-radius:10px;font-weight:800;cursor:pointer;background:var(--secondary);color:#1b1b1b;font-size:16px;}
    .btn:hover{background:var(--secondary-dark);}
    .btn-secondary{background:#fff;border:1px solid var(--border);}

    .consent-row{display:flex;gap:10px;align-items:flex-start;}
    .consent-row input{width:auto;margin-top:4px;}
    .jit-disclaimer{font-size:12px;color:var(--muted);text-align:center;margin-top:10px;padding:8px;background:var(--light);border-radius:8px;}

    .next-steps{background:var(--light);border-radius:12px;padding:16px;margin-top:16px;}
    .next-steps h4{font-size:14px;margin-bottom:10px;color:var(--dark);}
    .next-steps ol{margin:0;padding-left:20px;font-size:13px;color:var(--muted);}
    .next-steps li{margin-bottom:6px;}
    .next-steps .guarantee{font-size:12px;color:var(--dark);font-weight:700;margin-top:10px;padding-top:10px;border-top:1px solid var(--border);}

    .success,.error{border-radius:12px;padding:12px;font-weight:700;display:none;margin-bottom:10px;font-size:14px;}
    .success{border:1px solid var(--success);background:#eaf6ec;color:#245d28;}
    .error{border:1px solid var(--error);background:#fdecec;color:#7f1d1d;}

    .social-proof{padding:40px 0;background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
    .social-proof h2{text-align:center;font-size:22px;margin-bottom:24px;}
    .proof-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;max-width:800px;margin:0 auto;text-align:center;}
    .proof-item{padding:16px;}
    .proof-number{font-size:36px;font-weight:800;color:var(--primary);margin-bottom:4px;}
    .proof-label{font-size:14px;color:var(--muted);}
    .proof-note{text-align:center;font-size:12px;color:var(--muted);margin-top:16px;font-style:italic;}

    .section{padding:40px 0;}
    .section h2{font-size:24px;margin-bottom:20px;text-align:center;}
    .card-grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));max-width:900px;margin:0 auto;}
    .card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px;box-shadow:0 10px 24px rgba(31,78,121,.08);}
    .card h3{margin-bottom:8px;font-size:16px;}
    .card p{font-size:14px;color:var(--muted);margin:0;}

    .faq-item{border-bottom:1px solid var(--border);padding:16px 0;max-width:700px;margin:0 auto;}
    .faq-item:last-child{border-bottom:none;}
    .faq-item h3{font-size:15px;margin-bottom:6px;}
    .faq-item p{font-size:14px;color:var(--muted);margin:0;}

    .disclosure{background:#fff;border:1px solid var(--border);border-radius:14px;padding:16px;font-size:13px;color:var(--dark);max-width:700px;margin:24px auto 0;}

    .export-panel{margin-top:20px;padding:14px;border-radius:12px;border:1px dashed var(--border);background:#fff;max-width:480px;margin-left:auto;margin-right:auto;}
    .export-actions{display:flex;gap:10px;flex-wrap:wrap;align-items:center;}
    .note{font-size:13px;color:var(--muted);}

    footer{background:#fff;border-top:1px solid var(--border);padding:32px 0;}
    .footer-grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));}
    .footer-grid h4{font-size:14px;margin-bottom:10px;}
    .footer-grid ul{list-style:none;}
    .footer-grid li{margin-bottom:6px;font-size:14px;}
    .footer-bottom{margin-top:20px;font-size:12px;color:var(--muted);text-align:center;}

    @media (max-width:768px){
      .hero-question{font-size:26px;}
      .field-row{grid-template-columns:1fr;}
      .concern-grid{grid-template-columns:1fr 1fr;}
    }
    @media (max-width:480px){
      .concern-grid{grid-template-columns:1fr;}
    }