:root{
  --bg:#f6f8f5;
  --surface:#ffffff;
  --surface-2:#eef3ed;
  --text:#1f2a21;
  --muted:#66756a;
  --line:#d9e2da;
  --primary:#1f7a5a;
  --primary-strong:#15563f;
  --accent:#dcefe5;
  --max:1120px;
  --radius:18px;
  --shadow:0 10px 30px rgba(31,42,33,.08);
}
[data-theme="dark"]{
  --bg:#101512;
  --surface:#161d18;
  --surface-2:#1c241f;
  --text:#edf4ee;
  --muted:#a3b2a7;
  --line:#2b362e;
  --primary:#66b68f;
  --primary-strong:#8fd1ae;
  --accent:#183126;
  --shadow:0 10px 30px rgba(0,0,0,.25);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.site-header{
  position:sticky;top:0;z-index:50;
  background:color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.header-row{
  display:flex;align-items:center;justify-content:space-between;
  min-height:72px;gap:18px;
}
.brand{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:.02em}
.brand-mark{
  width:38px;height:38px;border-radius:12px;background:var(--accent);
  display:grid;place-items:center;border:1px solid var(--line)
}
.brand-mark svg{width:22px;height:22px}
.nav{
  display:flex;gap:18px;flex-wrap:wrap;align-items:center;
}
.nav a{color:var(--muted);font-size:15px}
.nav a:hover,.nav a.active{color:var(--text)}
.theme-btn,.menu-btn{
  border:1px solid var(--line);background:var(--surface);color:var(--text);
  border-radius:12px;padding:10px 12px;cursor:pointer
}
.menu-btn{display:none}
.hero{
  padding:56px 0 28px;
}
.hero-grid{
  display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:stretch;
}
.hero-copy,.hero-panel,.card,.page-hero,.faq-item,.contact-card,.legal-card,.metric{
  background:var(--surface);border:1px solid var(--line);
  border-radius:var(--radius);box-shadow:var(--shadow);
}
.hero-copy{padding:34px}
.eyebrow{
  display:inline-block;padding:8px 12px;border-radius:999px;background:var(--accent);
  color:var(--primary-strong);font-size:13px;font-weight:700;letter-spacing:.02em
}
h1,h2,h3{line-height:1.1;margin:0 0 14px}
h1{font-size:clamp(34px,6vw,64px)}
h2{font-size:clamp(26px,4vw,40px)}
h3{font-size:22px}
p{margin:0 0 16px;color:var(--muted);max-width:70ch}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  min-height:46px;padding:0 18px;border-radius:12px;font-weight:600;border:1px solid var(--line)
}
.btn-primary{background:var(--primary);color:#fff;border-color:var(--primary)}
.btn-primary:hover{background:var(--primary-strong)}
.btn-secondary{background:var(--surface);color:var(--text)}
.hero-panel{padding:24px;display:flex;flex-direction:column;justify-content:space-between}
.risk-scale{display:grid;gap:12px;margin-top:12px}
.scale-row{
  display:grid;grid-template-columns:120px 1fr auto;gap:12px;align-items:center;
  font-size:14px;color:var(--muted)
}
.bar{height:10px;border-radius:999px;background:var(--surface-2);overflow:hidden;border:1px solid var(--line)}
.fill-low{height:100%;width:28%;background:#7bbf8e}
.fill-med{height:100%;width:56%;background:#d1b84a}
.fill-high{height:100%;width:78%;background:#d9893d}
.fill-vhigh{height:100%;width:92%;background:#c95b52}
.section{padding:26px 0}
.grid-3,.grid-2,.metrics{
  display:grid;gap:20px
}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.metrics{grid-template-columns:repeat(4,1fr)}
.card,.metric,.faq-item,.contact-card,.legal-card{padding:24px}
.label{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.page-hero{padding:30px;margin:30px 0 22px}
.list{padding-left:18px;color:var(--muted)}
.list li{margin:0 0 10px}
.site-footer{
  padding:34px 0 50px;margin-top:40px;border-top:1px solid var(--line)
}
.footer-grid{
  display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:20px
}
.small{font-size:14px;color:var(--muted)}
.form-row{display:grid;gap:14px}
input,textarea{
  width:100%;padding:14px 15px;border-radius:12px;border:1px solid var(--line);
  background:var(--surface-2);color:var(--text);font:inherit
}
textarea{min-height:140px;resize:vertical}
.notice{
  margin-top:14px;padding:14px 16px;border-radius:12px;background:var(--accent);color:var(--primary-strong);font-size:14px
}
@media (max-width: 960px){
  .hero-grid,.grid-3,.grid-2,.metrics,.footer-grid{grid-template-columns:1fr}
}
@media (max-width: 760px){
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;left:20px;right:20px;top:78px;padding:16px;background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}
  .nav.open{display:grid}
  .header-row{align-items:center}
  .hero{padding-top:28px}
  .hero-copy,.hero-panel,.page-hero,.card,.faq-item,.contact-card,.legal-card,.metric{padding:20px}
}