* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --ink: #121417;
  --muted: #5b6670;
  --accent: #1c4e80;
  --accent-soft: #e8f1f7;
  --warm: #f5efe6;
  --sand: #f8f5f0;
  --line: #e1e6ec;
  --card: #ffffff;
}

body {
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--sand);
  line-height: 1.6;
}

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

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

a:hover,
button:hover {
  filter: brightness(0.92);
}

header {
  background: #ffffff;
  border-bottom: 1px solid var(--line);
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 6vw;
}

.brand {
  display: flex;
  flex-direction: column;
}

.brand span {
  color: var(--muted);
  font-size: 0.9rem;
}

.nav-links {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
}

.nav-links a {
  font-size: 0.95rem;
}

.ad-label {
  background: var(--warm);
  color: var(--ink);
  font-size: 0.8rem;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px solid var(--line);
}

.cta-primary {
  background: var(--accent);
  color: #ffffff;
  padding: 10px 18px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.section {
  padding: 70px 6vw;
}

.split {
  display: flex;
  gap: 40px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}

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

.split .text {
  flex: 1 1 320px;
  min-width: 280px;
}

.split .media {
  flex: 1 1 320px;
  min-width: 280px;
}

.image-frame {
  background: #d9dee4;
  border-radius: 16px;
  overflow: hidden;
  min-height: 260px;
}

.hero {
  background: #ffffff;
}

.hero h1 {
  font-size: 2.6rem;
  line-height: 1.15;
  margin-bottom: 16px;
}

.hero p {
  color: var(--muted);
  margin-bottom: 20px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.ghost-link {
  border: 1px solid var(--accent);
  padding: 10px 16px;
  border-radius: 999px;
  color: var(--accent);
}

.metrics {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 24px;
}

.metric {
  background: var(--accent-soft);
  padding: 14px 18px;
  border-radius: 14px;
  min-width: 160px;
}

.metric strong {
  display: block;
  font-size: 1.1rem;
}

.bg-ledger {
  background: linear-gradient(120deg, rgba(28, 78, 128, 0.9), rgba(28, 78, 128, 0.4)), url("https://images.unsplash.com/photo-1497366216548-37526070297c?w=1400&q=80");
  background-size: cover;
  background-position: center;
  color: #ffffff;
}

.bg-about {
  background: linear-gradient(120deg, rgba(245, 239, 230, 0.9), rgba(245, 239, 230, 0.6));
}

.bg-services {
  background: linear-gradient(120deg, rgba(248, 245, 240, 0.85), rgba(248, 245, 240, 0.6));
}

.bg-ledger .card-list {
  color: #ffffff;
}

.card-list {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 24px;
}

.card {
  background: var(--card);
  border-radius: 18px;
  padding: 18px;
  flex: 1 1 240px;
  border: 1px solid var(--line);
  min-width: 220px;
}

.card img {
  border-radius: 12px;
  height: 160px;
}

.card h3 {
  margin: 14px 0 8px;
}

.price-tag {
  font-weight: 700;
  color: var(--accent);
}

.pill {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 0.85rem;
}

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

.story-row .note {
  flex: 1 1 240px;
  background: var(--warm);
  padding: 16px 18px;
  border-radius: 12px;
  border: 1px solid var(--line);
}

.form-wrap {
  background: #ffffff;
  border-radius: 18px;
  padding: 26px;
  border: 1px solid var(--line);
}

form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

label {
  font-weight: 600;
}

input,
select,
textarea {
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid var(--line);
  font-size: 1rem;
}

button {
  background: var(--accent);
  color: #ffffff;
  border: none;
  padding: 12px 18px;
  border-radius: 10px;
  font-size: 1rem;
  cursor: pointer;
}

.testimonial {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
}

.testimonial .quote {
  flex: 1 1 260px;
}

.inline-link {
  color: var(--accent);
  text-decoration: underline;
}

.cta-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  background: var(--accent-soft);
  padding: 20px 24px;
  border-radius: 16px;
  border: 1px solid var(--line);
}

.cta-bar.spaced {
  margin-top: 32px;
}

.sticky-cta {
  position: fixed;
  right: 24px;
  bottom: 24px;
  background: var(--accent);
  color: #ffffff;
  padding: 12px 18px;
  border-radius: 999px;
  z-index: 50;
}

.footer {
  background: #0f141a;
  color: #e4e8ee;
  padding: 40px 6vw;
}

.footer a {
  color: #e4e8ee;
}

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

.footer-col {
  flex: 1 1 220px;
}

.disclaimer {
  margin-top: 18px;
  font-size: 0.9rem;
  color: #cbd4df;
}

.cookie-banner {
  position: fixed;
  left: 20px;
  right: 20px;
  bottom: 20px;
  background: #ffffff;
  border-radius: 16px;
  border: 1px solid var(--line);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.12);
  padding: 18px 20px;
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  z-index: 100;
  flex-wrap: wrap;
}

.cookie-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hidden {
  display: none;
}

.page-hero {
  background: #ffffff;
  padding: 50px 6vw 20px;
}

.page-hero h1 {
  font-size: 2.2rem;
}

.legal-block {
  background: #ffffff;
  border-radius: 16px;
  border: 1px solid var(--line);
  padding: 24px;
}

@media (max-width: 860px) {
  .topbar {
    flex-direction: column;
    align-items: flex-start;
  }

  .sticky-cta {
    right: 14px;
    bottom: 14px;
  }

  .hero h1 {
    font-size: 2.1rem;
  }
}