:root {
  --bg: #f7f8fb;
  --surface: #ffffff;
  --surface-soft: #f1f5f9;
  --text: #172033;
  --muted: #5b6475;
  --border: #dbe3ee;
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
  --radius: 18px;
  --radius-sm: 12px;
  --max: 1120px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
}

img {
  max-width: 100%;
  display: block;
}

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

a:hover {
  color: var(--primary-dark);
  text-decoration: underline;
}

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 40px 20px 64px;
}

/* HEADER */
.site-header {
  background: #ffffff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 20;
}

.header-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.02em;
  text-decoration: none;
}

.brand:hover {
  text-decoration: none;
  color: var(--text);
}

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

.nav a {
  color: var(--muted);
  font-weight: 600;
  text-decoration: none;
}

.nav a:hover {
  color: var(--primary);
}

/* HERO / INTRO */
.wrap > header {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid var(--border);
  border-radius: 24px;
  padding: 40px 28px;
  box-shadow: var(--shadow);
  margin-bottom: 28px;
}

h1 {
  margin: 0 0 16px;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
}

.lead {
  font-size: 1.1rem;
  color: var(--muted);
  margin-bottom: 18px;
}

.wrap > header p {
  max-width: 860px;
  margin-top: 0;
  margin-bottom: 16px;
}

/* MAIN */
main {
  display: block;
}

.section {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  margin: 0 0 24px;
  box-shadow: var(--shadow);
}

.section h2 {
  margin-top: 0;
  margin-bottom: 12px;
  font-size: 1.7rem;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.section p:last-child {
  margin-bottom: 0;
}

/* GRID */
.home-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
  margin: 0 0 24px;
}

/* CARDS */
.home-card {
  display: block;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 20px;
  box-shadow: var(--shadow);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  color: var(--text);
  text-decoration: none;
  height: 100%;
}

.home-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 34px rgba(15, 23, 42, 0.12);
  border-color: #bfd0ea;
  text-decoration: none;
}

.home-card h2 {
  margin: 0 0 10px;
  font-size: 1.25rem;
  line-height: 1.25;
  color: var(--text);
}

.home-card p {
  margin: 0 0 14px;
  color: var(--muted);
}

.meta {
  font-size: 0.94rem;
  color: var(--primary);
  font-weight: 700;
}

/* LISTS */
.bullets {
  margin: 14px 0 0;
  padding-left: 20px;
}

.bullets li {
  margin-bottom: 10px;
}

.bullets li:last-child {
  margin-bottom: 0;
}

/* FAQ */
.faq-item {
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}

.faq-item:first-of-type {
  padding-top: 8px;
}

.faq-item:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.faq-item h3 {
  margin: 0 0 8px;
  font-size: 1.08rem;
  line-height: 1.35;
}

.faq-item p {
  margin: 0;
  color: var(--muted);
}

/* FOOTER */
.sbc-footer {
  background: #0f172a;
  color: #dbe4f0;
  margin-top: 40px;
}

.sbc-footer a {
  color: #dbe4f0;
}

.sbc-footer a:hover {
  color: #ffffff;
}

.sbc-footer__inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 40px 20px 28px;
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 30px;
}

.sbc-footer__brand {
  max-width: 360px;
}

.sbc-footer__logo {
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 10px;
}

.sbc-footer__tagline {
  margin: 0 0 14px;
  color: #b8c4d6;
}

.sbc-footer__email {
  font-weight: 700;
}

.sbc-footer__nav {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.sbc-footer__heading {
  font-weight: 800;
  margin-bottom: 12px;
  color: #ffffff;
}

.sbc-footer__link {
  display: block;
  margin-bottom: 10px;
  color: #dbe4f0;
}

.sbc-footer__bottom {
  max-width: var(--max);
  margin: 0 auto;
  padding: 18px 20px 26px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.95rem;
  color: #b8c4d6;
}

.sbc-footer__note {
  max-width: 680px;
}

/* GENERIC CONTENT STYLES */
strong {
  color: var(--text);
}

p {
  margin-top: 0;
  margin-bottom: 1rem;
}

ul,
ol {
  margin-top: 0;
}

/* TABLES */
table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
}

th,
td {
  border: 1px solid var(--border);
  padding: 12px 14px;
  text-align: left;
}

th {
  background: #f8fafc;
}

/* FORMS / CALCULATOR INPUTS */
input,
select,
button,
textarea {
  font: inherit;
}

input,
select,
textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #cfd8e3;
  border-radius: 12px;
  background: #fff;
  color: var(--text);
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid rgba(37, 99, 235, 0.18);
  border-color: var(--primary);
}

button,
.btn {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  border: 0;
  border-radius: 12px;
  padding: 12px 18px;
  font-weight: 700;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.18s ease, transform 0.18s ease;
}

button:hover,
.btn:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
  text-decoration: none;
}

/* SMALL BADGES / NOTES */
.note,
.helper-text,
.small-text {
  font-size: 0.95rem;
  color: var(--muted);
}

/* RESPONSIVE */
@media (max-width: 980px) {
  .home-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .sbc-footer__inner {
    grid-template-columns: 1fr;
  }

  .sbc-footer__nav {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .wrap {
    padding: 24px 16px 44px;
  }

  .header-inner {
    padding: 14px 16px;
    flex-direction: column;
    align-items: flex-start;
  }

  .nav {
    gap: 14px;
  }

  .wrap > header {
    padding: 28px 20px;
    border-radius: 20px;
  }

  .section {
    padding: 22px 18px;
  }

  .home-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .sbc-footer__nav {
    grid-template-columns: 1fr;
  }

  .sbc-footer__bottom {
    flex-direction: column;
  }
}