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

    :root {
      --primary: #1e3a5f;
      --primary-fg: #ffffff;
      --secondary: #22a854;
      --secondary-fg: #ffffff;
      --accent: #f5c518;
      --accent-fg: #1a2332;
      --bg: #eef1f5;
      --card: #ffffff;
      --text: #1a2332;
      --muted: #6b7a8d;
      --border: #d8dde4;
      --font-heading: 'Merriweather', serif;
      --font-body: 'Open Sans', sans-serif;
    }

    body {
      font-family: var(--font-body);
      background: var(--bg);
      color: var(--text);
      line-height: 1.6;
    }

    h1, h2, h3 { font-family: var(--font-heading); }

    a { text-decoration: none; color: inherit; }

    /* HEADER */
    .header {
      background: var(--primary);
      color: var(--primary-fg);
      padding: 16px 24px;
    }
    .header-inner {
      max-width: 1100px;
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .logo {
      display: flex;
      align-items: center;
      gap: 12px;
      font-family: var(--font-heading);
      font-weight: 700;
      font-size: 1.25rem;
    }
    .logo svg { width: 32px; height: 32px; }
    .header-cta {
      display: none;
      background: var(--secondary);
      color: var(--secondary-fg);
      font-weight: 700;
      padding: 10px 20px;
      border-radius: 8px;
      transition: opacity 0.2s;
    }
    .header-cta:hover { opacity: 0.9; }
    @media (min-width: 640px) { .header-cta { display: inline-flex; } }

    /* HERO */
    .hero {
      max-width: 1100px;
      margin: 0 auto;
      padding: 48px 24px;
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 40px;
    }
    @media (min-width: 768px) {
      .hero { flex-direction: row; padding: 80px 24px; }
      .hero-text { text-align: left; }
    }
    .hero-text { flex: 1; text-align: center; }
    .hero-text h1 {
      font-size: 2rem;
      font-weight: 900;
      line-height: 1.2;
      margin-bottom: 16px;
    }
    @media (min-width: 768px) { .hero-text h1 { font-size: 2.8rem; } }
    .hero-text h1 .highlight {
      background: var(--accent);
      color: var(--accent-fg);
      padding: 0 8px;
      display: inline-block;
    }
    .hero-text p {
      font-size: 1.1rem;
      color: var(--muted);
      margin-bottom: 32px;
      max-width: 480px;
    }
    @media (min-width: 768px) { .hero-text p { margin-left: 0; } }
    .hero-text p { margin-left: auto; margin-right: auto; }
    .btn-cta {
      display: inline-block;
      background: var(--secondary);
      color: var(--secondary-fg);
      font-weight: 700;
      font-size: 1.15rem;
      padding: 16px 36px;
      border-radius: 12px;
      box-shadow: 0 8px 24px rgba(34,168,84,0.3);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .btn-cta:hover {
      transform: scale(1.05);
      box-shadow: 0 12px 32px rgba(34,168,84,0.4);
    }
    .hero-img { flex: 1; max-width: 420px; }
    .hero-img img {
      width: 100%;
      border-radius: 16px;
      box-shadow: 0 20px 60px rgba(0,0,0,0.15);
      object-fit: cover;
    }

    /* BENEFITS */
    .benefits {
      padding: 64px 24px;
      max-width: 1100px;
      margin: 0 auto;
    }
    .benefits h2 {
      text-align: center;
      font-size: 1.6rem;
      margin-bottom: 48px;
    }
    @media (min-width: 768px) { .benefits h2 { font-size: 2.2rem; } }
    .benefits-grid {
      display: grid;
      grid-template-columns: 1fr;
      gap: 20px;
    }
    @media (min-width: 640px) { .benefits-grid { grid-template-columns: 1fr 1fr; } }
    @media (min-width: 1024px) { .benefits-grid { grid-template-columns: repeat(4, 1fr); } }
    .benefit-card {
      background: var(--card);
      border-radius: 12px;
      padding: 28px 20px;
      text-align: center;
      box-shadow: 0 4px 16px rgba(0,0,0,0.06);
      transition: box-shadow 0.2s;
    }
    .benefit-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
    .benefit-icon {
      width: 56px;
      height: 56px;
      border-radius: 50%;
      background: rgba(30,58,95,0.1);
      display: inline-flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 16px;
    }
    .benefit-icon svg { width: 28px; height: 28px; color: var(--primary); }
    .benefit-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
    .benefit-card p { font-size: 0.88rem; color: var(--muted); }

    /* HOW IT WORKS */
    .how-it-works {
      background: var(--card);
      padding: 64px 24px;
      text-align: center;
    }
    .how-it-works-inner { max-width: 900px; margin: 0 auto; }
    .how-it-works h2 {
      font-size: 1.6rem;
      margin-bottom: 48px;
    }
    @media (min-width: 768px) { .how-it-works h2 { font-size: 2.2rem; } }
    .steps {
      display: flex;
      flex-direction: column;
      gap: 32px;
    }
    @media (min-width: 768px) { .steps { flex-direction: row; } }
    .step { flex: 1; }
    .step-num {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      background: var(--secondary);
      color: var(--secondary-fg);
      font-weight: 700;
      font-size: 1.25rem;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 16px;
    }
    .step h3 { font-size: 1.05rem; margin-bottom: 8px; }
    .step p { font-size: 0.88rem; color: var(--muted); }
    .how-it-works .btn-cta { margin-top: 48px; }

    /* FOOTER */
    .footer {
      background: var(--primary);
      color: var(--primary-fg);
      padding: 32px 24px;
      text-align: center;
      font-size: 0.88rem;
      opacity: 0.9;
    }
    .footer p { margin-bottom: 4px; }
    .footer .brand { font-weight: 700; font-size: 1rem; font-family: var(--font-heading); }