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

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: #333;
  background: #f5f5f5;
  line-height: 1.6;
}

/* ── Hero ── */

.hero {
  background: linear-gradient(135deg, #1B2838 0%, #253649 100%);
  color: #fff;
  text-align: center;
  padding: 80px 20px 72px;
}

.hero-inner {
  max-width: 600px;
  margin: 0 auto;
}

.hero-icon {
  font-size: 3rem;
  margin-bottom: 16px;
  opacity: 0.9;
}

.hero h1 {
  font-size: 2.5rem;
  font-weight: 700;
  letter-spacing: -0.5px;
}

.hero-tagline {
  margin-top: 12px;
  font-size: 1.1rem;
  color: #b0bcc9;
  line-height: 1.7;
}

.hero-buttons {
  margin-top: 32px;
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 10px;
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  transition: opacity 0.2s, transform 0.2s;
}

.btn:hover {
  opacity: 0.9;
  transform: translateY(-1px);
}

.btn-primary {
  background: #E8720C;
  color: #fff;
}

.btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.35);
}

.btn-outline:hover {
  border-color: #E8720C;
  color: #E8720C;
}

/* ── Section title ── */

.section-title {
  text-align: center;
  font-size: 1.75rem;
  color: #1B2838;
  margin-bottom: 40px;
}

/* ── Features ── */

.features {
  max-width: 960px;
  margin: 0 auto;
  padding: 64px 20px;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 20px;
}

.feature-card {
  background: #fff;
  border-radius: 14px;
  padding: 28px 24px;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.06);
  transition: box-shadow 0.2s, transform 0.2s;
}

.feature-card:hover {
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
  transform: translateY(-3px);
}

.feature-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}

.feature-card h3 {
  font-size: 1.1rem;
  color: #1B2838;
  margin-bottom: 6px;
}

.feature-card p {
  font-size: 0.92rem;
  color: #666;
  margin-bottom: 0;
}

/* ── CTA ── */

.cta {
  background: #1B2838;
  color: #fff;
  text-align: center;
  padding: 56px 20px;
}

.cta h2 {
  font-size: 1.6rem;
  color: #fff;
  margin-bottom: 12px;
}

.cta p {
  color: #99a8b8;
  font-size: 1rem;
  max-width: 480px;
  margin: 0 auto;
}

.cta .hero-buttons {
  margin-top: 28px;
}

/* ── Footer ── */

footer {
  text-align: center;
  padding: 32px 20px;
  font-size: 0.85rem;
  color: #999;
}

.footer-links {
  margin-bottom: 8px;
}

.footer-links a {
  color: #E8720C;
  text-decoration: none;
  font-weight: 500;
}

.footer-links a:hover {
  text-decoration: underline;
}

.footer-sep {
  margin: 0 8px;
  color: #ccc;
}

.footer-contact {
  margin-top: 4px;
  color: #bbb;
  font-size: 0.8rem;
}

/* ── Legal pages (privacy & terms) ── */

header {
  background: #1B2838;
  color: #fff;
  padding: 24px 20px;
  text-align: center;
}

header h1 {
  font-size: 1.5rem;
  font-weight: 600;
}

header p {
  color: #aab;
  font-size: 0.9rem;
  margin-top: 4px;
}

header a {
  color: #E8720C;
  text-decoration: none;
}

header a:hover {
  text-decoration: underline;
}

main {
  max-width: 720px;
  margin: 32px auto;
  padding: 0 20px 64px;
}

.card {
  background: #fff;
  border-radius: 12px;
  padding: 32px;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.08);
}

.card + .card {
  margin-top: 16px;
}

.card h2 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.card p {
  color: #555;
  font-size: 0.95rem;
}

.card a {
  display: inline-block;
  margin-top: 12px;
  color: #E8720C;
  font-weight: 500;
  text-decoration: none;
}

.card a:hover {
  text-decoration: underline;
}

h2 {
  font-size: 1.25rem;
  color: #1B2838;
  margin: 28px 0 12px;
}

h2:first-child {
  margin-top: 0;
}

h3 {
  font-size: 1.05rem;
  color: #1B2838;
  margin: 20px 0 8px;
}

p, li {
  font-size: 0.95rem;
  color: #444;
  margin-bottom: 8px;
}

ul {
  padding-left: 20px;
  margin-bottom: 12px;
}

a {
  color: #E8720C;
}

.effective-date {
  font-size: 0.85rem;
  color: #888;
  margin-bottom: 20px;
}

/* ── Responsive ── */

@media (max-width: 600px) {
  .hero {
    padding: 56px 16px 48px;
  }

  .hero h1 {
    font-size: 2rem;
  }

  .hero-tagline {
    font-size: 1rem;
  }

  .btn {
    padding: 12px 24px;
    font-size: 0.95rem;
  }

  .section-title {
    font-size: 1.4rem;
  }

  .features {
    padding: 40px 16px;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .cta {
    padding: 40px 16px;
  }

  .cta h2 {
    font-size: 1.3rem;
  }

  .card {
    padding: 24px;
  }
}