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

:root {
  --ink: #1b1b1b;
  --muted: #5a5a5a;
  --accent: #1f6f8b;
  --accent-soft: #e6f2f6;
  --sand: #f6f2ed;
  --sun: #f1d29c;
  --card: #ffffff;
}

body {
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: #faf9f7;
  line-height: 1.6;
}

header {
  padding: 22px 6%;
  background: #fff;
  border-bottom: 1px solid #ece7e1;
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: 0.4px;
}

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

.nav-links a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.95rem;
}

.nav-ad {
  background: var(--sun);
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
}

main {
  display: flex;
  flex-direction: column;
  gap: 36px;
  padding: 32px 6% 64px;
}

.split {
  display: flex;
  gap: 28px;
  align-items: stretch;
}

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

.split-content,
.split-media {
  flex: 1;
  min-width: 0;
}

.split-content {
  display: flex;
  flex-direction: column;
  gap: 16px;
  justify-content: center;
}

.eyebrow {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.18rem;
  color: var(--muted);
}

h1, h2, h3 {
  line-height: 1.2;
}

h1 {
  font-size: 2.5rem;
}

h2 {
  font-size: 1.8rem;
}

h3 {
  font-size: 1.2rem;
}

.hero-media,
.image-frame {
  background: var(--sand);
  border-radius: 18px;
  overflow: hidden;
  position: relative;
}

.bg-soft {
  background: #e9eef1;
}

.bg-mist {
  background: #efe7df;
}

.bg-cloud {
  background: #e2e8ea;
}

.bg-rose {
  background: #f0e7db;
}

.bg-slate {
  background: #e6ecef;
}

.bg-paper {
  background: #e1e6ea;
}

.hero-media img,
.image-frame img,
.card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.hero-media img {
  height: 100%;
  min-height: 340px;
}

.accent-panel {
  background: var(--accent-soft);
  border-radius: 18px;
  padding: 26px;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.btn {
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 999px;
  padding: 10px 18px;
  font-size: 0.95rem;
  cursor: pointer;
}

.btn.secondary {
  background: #fff;
  color: var(--accent);
  border: 1px solid var(--accent);
}

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

.card-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
}

.service-card {
  background: var(--card);
  border-radius: 18px;
  padding: 18px;
  flex: 1 1 240px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: 0 10px 26px rgba(0, 0, 0, 0.06);
}

.card-image {
  background: #e9eef1;
  border-radius: 14px;
  overflow: hidden;
  height: 150px;
}

.card-image.bg-card-1 {
  background: #dde5ea;
}

.card-image.bg-card-2 {
  background: #dfe6e8;
}

.card-image.bg-card-3 {
  background: #dfe1e6;
}

.highlight-band {
  background: var(--accent);
  color: #fff;
  padding: 24px;
  border-radius: 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.background-section {
  background: #e9edf0;
  border-radius: 18px;
  overflow: hidden;
  position: relative;
}

.background-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.2;
}

.finance-bg::before {
  background-image: url("https://images.unsplash.com/photo-1496307042754-b4aa456c4a2d?w=1400&q=80");
}

.background-section .content {
  position: relative;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.two-column {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
}

.two-column > div {
  flex: 1 1 260px;
}

.form-wrap {
  background: #fff;
  border-radius: 18px;
  padding: 26px;
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.07);
}

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

label {
  font-weight: 600;
  font-size: 0.9rem;
}

input,
select,
textarea {
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid #d6d4cf;
  font-size: 0.95rem;
}

footer {
  padding: 32px 6% 40px;
  background: #fff;
  border-top: 1px solid #ece7e1;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
}

.footer-grid a {
  color: var(--ink);
  text-decoration: none;
}

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

.sticky-cta {
  position: fixed;
  right: 18px;
  bottom: 18px;
  background: var(--accent);
  color: #fff;
  padding: 10px 16px;
  border-radius: 999px;
  display: none;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  z-index: 20;
}

.sticky-cta.show {
  display: flex;
}

.cookie-banner {
  position: fixed;
  left: 18px;
  right: 18px;
  bottom: 18px;
  background: #fff;
  border-radius: 16px;
  padding: 16px;
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.15);
  display: none;
  z-index: 30;
}

.cookie-banner.show {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

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

@media (max-width: 920px) {
  .split,
  .split.reverse {
    flex-direction: column;
  }

  header {
    padding: 18px 5%;
  }

  main {
    padding: 24px 5% 50px;
  }
}