* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  color: #1d2329;
  background: #f6f4f1;
  line-height: 1.6;
}

img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
  background-color: #d4d0c6;
}

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

.page {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px 80px;
}

.topbar {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 24px 0 12px;
  gap: 24px;
  border-bottom: 1px solid #ded8cf;
}

.brand {
  font-size: 20px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  justify-content: flex-end;
  font-size: 14px;
}

.ad-label {
  font-size: 12px;
  padding: 6px 10px;
  background: #2b2f34;
  color: #fefaf2;
  border-radius: 16px;
}

.hero {
  display: flex;
  gap: 36px;
  padding: 48px 0;
  align-items: center;
}

.hero-text {
  flex: 1;
}

.hero-text h1 {
  font-size: 42px;
  line-height: 1.15;
  margin: 0 0 18px;
}

.hero-text p {
  font-size: 18px;
  margin: 0 0 16px;
}

.hero-media {
  flex: 1;
  background: #d4d0c6;
  border-radius: 18px;
  overflow: hidden;
  min-height: 320px;
}

.cta-row {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
  margin-top: 24px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  background: #1f3a52;
  color: #fefaf2;
  border-radius: 999px;
  font-weight: 600;
  transition: transform 0.2s ease, background 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
  background: #152739;
}

.btn-outline {
  background: transparent;
  color: #1f3a52;
  border: 1px solid #1f3a52;
}

.btn-outline:hover {
  background: #1f3a52;
  color: #fefaf2;
}

.split {
  display: flex;
  gap: 32px;
  align-items: center;
  padding: 42px 0;
}

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

.split .text,
.split .media {
  flex: 1;
}

.split .media {
  background: #d4d0c6;
  border-radius: 16px;
  overflow: hidden;
}

.panel {
  background: #ffffff;
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 18px 30px rgba(17, 21, 26, 0.08);
}

.highlight {
  background: #1f3a52;
  color: #fefaf2;
  border-radius: 24px;
  padding: 36px;
  margin: 30px 0;
}

.stacked {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.cards {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.card {
  flex: 1 1 260px;
  background: #ffffff;
  border-radius: 18px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.card-body {
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.price {
  font-size: 20px;
  font-weight: 700;
  color: #1f3a52;
}

.divider {
  height: 1px;
  background: #d7d1c8;
  margin: 32px 0;
}

.form-section {
  display: flex;
  gap: 32px;
  align-items: flex-start;
  padding: 36px 0;
}

.form-panel {
  flex: 1;
  background: #ffffff;
  border-radius: 18px;
  padding: 28px;
}

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

label {
  font-weight: 600;
  font-size: 14px;
}

input,
select,
textarea {
  width: 100%;
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid #c8c2b9;
  background: #fbfaf8;
  font-size: 14px;
}

.note {
  font-size: 13px;
  color: #5b636b;
}

.footer {
  margin-top: 48px;
  border-top: 1px solid #ded8cf;
  padding-top: 28px;
  font-size: 13px;
  color: #4e565d;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.sticky-cta {
  position: fixed;
  right: 24px;
  bottom: 24px;
  background: #1f3a52;
  color: #fefaf2;
  padding: 12px 18px;
  border-radius: 999px;
  font-weight: 600;
  box-shadow: 0 16px 24px rgba(20, 26, 32, 0.2);
  z-index: 20;
}

.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background: #ffffff;
  border-radius: 16px;
  padding: 20px;
  box-shadow: 0 14px 30px rgba(17, 21, 26, 0.18);
  display: none;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  z-index: 30;
}

.cookie-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.muted {
  color: #6a7077;
}

.badge-row {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.badge {
  background: #f1ede6;
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 13px;
}

.media-small {
  max-width: 420px;
}

.legal-hero {
  display: flex;
  gap: 24px;
  align-items: center;
  padding: 36px 0;
}

.legal-hero img {
  border-radius: 16px;
  background: #d4d0c6;
}

.bg-finance {
  background-image: url("https://images.unsplash.com/photo-1497366216548-37526070297c?w=1400&q=80");
  background-size: cover;
  background-position: center;
  border-radius: 24px;
  padding: 44px;
  color: #fefaf2;
}

.bg-finance .btn-outline {
  border-color: #fefaf2;
  color: #fefaf2;
}

.bg-finance .btn-outline:hover {
  background: #fefaf2;
  color: #1f3a52;
}

@media (max-width: 920px) {
  .hero,
  .split,
  .form-section,
  .legal-hero {
    flex-direction: column;
  }

  .sticky-cta {
    right: 16px;
    bottom: 16px;
  }
}