:root {
    /* Tricolor & State/Fintech Palette */
    --primary: #0039A6; /* Russian Blue */
    --primary-hover: #002B7F;
    --accent: #D52B1E; /* Russian Red */
    --accent-hover: #B22218;
    
    --background: #F4F7F9; /* Clean light gray */
    --surface: #FFFFFF; /* White cards */
    --surface-hover: #F9FAFB;
    
    --text: #111827; /* Dark gray, almost black */
    --text-muted: #6B7280; /* Subtle text */
    
    --border: #E5E7EB; /* Light border */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-float: 0 20px 40px -10px rgba(0,57,166,0.1);
    
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

body {
    background-color: var(--background);
    color: var(--text);
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    width: 100%;
}

/* Header */
.header {
    background: rgba(255, 255, 255, 0.9);
    padding: 16px 0;
    border-bottom: 1px solid var(--border);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    position: sticky;
    top: 0;
    z-index: 100;
}

.header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-image {
    height: 60px;
    width: auto;
    object-fit: contain;
    transform: scale(1.2);
    margin-right: 4px;
}

.logo-text {
    font-size: 20px;
    font-weight: 800;
    color: var(--text);
    letter-spacing: -0.5px;
}

.logo-text span {
    color: var(--primary);
}

.header-nav {
    display: flex;
    gap: 20px;
    align-items: center;
}

.nav-link {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 15px;
    font-weight: 500;
    transition: color 0.2s ease;
}

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

.contact {
    text-align: right;
    display: flex;
    flex-direction: column;
}

.phone {
    color: var(--text);
    text-decoration: none;
    font-weight: 700;
    font-size: 18px;
    transition: color 0.2s ease;
}

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

.status {
    font-size: 13px;
    color: var(--accent);
    font-weight: 600;
    margin-top: 2px;
}

/* Main Content */
.main-content {
    flex: 1;
    padding: 60px 0 80px;
}

.main-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 60px;
    align-items: center;
}

.hero-text {
    max-width: 520px;
}

.badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(0, 57, 166, 0.08);
    color: var(--primary);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 24px;
}

.badge::before {
    content: '';
    display: inline-block;
    width: 8px;
    height: 8px;
    background: var(--accent);
    border-radius: 50%;
}

h1 {
    font-size: 44px;
    line-height: 1.15;
    margin-bottom: 24px;
    font-weight: 800;
    color: var(--text);
    letter-spacing: -1px;
}

h1 span {
    color: var(--accent);
}

.subtitle {
    font-size: 18px;
    color: var(--text-muted);
    margin-bottom: 32px;
    line-height: 1.6;
}

.benefits {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.benefits li {
    font-size: 16px;
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--text);
    font-weight: 500;
}

.check-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    background: rgba(0, 57, 166, 0.1);
    color: var(--primary);
    border-radius: 50%;
    font-size: 12px;
}

/* Quiz Container */
.quiz-container {
    background: var(--surface);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-float);
    position: relative;
    overflow: hidden;
    min-height: 440px;
    display: flex;
    flex-direction: column;
    border: 1px solid var(--border);
}

.quiz-step {
    display: none;
    animation: fadeIn 0.4s ease forwards;
    flex-grow: 1;
}

.quiz-step.active {
    display: flex;
    flex-direction: column;
}

.step-indicator {
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 12px;
    display: block;
}

.quiz-step h3 {
    font-size: 26px;
    margin-bottom: 12px;
    color: var(--text);
    font-weight: 700;
    line-height: 1.3;
}

.quiz-step > p {
    color: var(--text-muted);
    margin-bottom: 32px;
    font-size: 15px;
}

.options {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 30px;
}

.option-btn {
    background: var(--surface);
    border: 2px solid var(--border);
    color: var(--text);
    padding: 18px 24px;
    border-radius: var(--radius-md);
    font-size: 16px;
    font-weight: 600;
    text-align: left;
    cursor: pointer;
    transition: all 0.2s ease;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.option-btn::after {
    content: '→';
    opacity: 0;
    transform: translateX(-10px);
    transition: all 0.2s ease;
    color: var(--primary);
}

.option-btn:hover {
    border-color: var(--primary);
    background: var(--surface-hover);
    box-shadow: var(--shadow-sm);
}

.option-btn:hover::after {
    opacity: 1;
    transform: translateX(0);
}

.quiz-progress {
    height: 6px;
    background: var(--border);
    border-radius: 3px;
    margin-top: auto;
    overflow: hidden;
}

.progress-bar {
    height: 100%;
    background: var(--primary);
    border-radius: 3px;
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Lead Form */
.lead-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-top: 24px;
}

.lead-form input {
    background: var(--background);
    border: 1px solid var(--border);
    color: var(--text);
    padding: 16px 20px;
    border-radius: var(--radius-md);
    font-size: 16px;
    outline: none;
    transition: all 0.2s ease;
}

.lead-form input:focus {
    border-color: var(--primary);
    background: var(--surface);
    box-shadow: 0 0 0 4px rgba(0, 57, 166, 0.1);
}

.submit-btn {
    background: var(--accent);
    color: white;
    border: none;
    padding: 18px 20px;
    border-radius: var(--radius-md);
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s ease;
    box-shadow: 0 4px 12px rgba(213, 43, 30, 0.3);
}

.submit-btn:hover {
    background: var(--accent-hover);
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(213, 43, 30, 0.4);
}

.privacy {
    font-size: 13px !important;
    text-align: center;
    color: var(--text-muted) !important;
    margin-bottom: 0 !important;
}

/* Expert Section */
.expert-section {
    padding: 60px 0;
    margin-top: 20px;
}

.expert-card {
    background: var(--surface);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    padding: 40px;
    display: grid;
    grid-template-columns: 300px 1fr;
    gap: 40px;
    align-items: center;
    box-shadow: var(--shadow-md);
}

.expert-image {
    width: 100%;
    height: 300px;
    object-fit: cover;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 4px solid var(--background);
}

.expert-info h2 {
    font-size: 32px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 8px;
    letter-spacing: -0.5px;
}

.expert-role {
    font-size: 16px;
    color: var(--primary);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 24px;
    display: inline-block;
    background: rgba(0, 57, 166, 0.08);
    padding: 6px 14px;
    border-radius: 20px;
}

.expert-story {
    font-size: 16px;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 20px;
}

.expert-quote {
    font-size: 18px;
    font-weight: 600;
    color: var(--text);
    border-left: 4px solid var(--accent);
    padding-left: 20px;
    font-style: italic;
    margin-top: 24px;
}

/* Success Step */
.success-icon-wrap {
    width: 64px;
    height: 64px;
    background: rgba(16, 185, 129, 0.1);
    color: #10B981;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin-bottom: 24px;
}

/* Bottom CTA / Blog Section */
.bottom-cta {
    background: var(--surface);
    border-top: 1px solid var(--border);
    padding: 80px 20px;
    text-align: center;
}

.bottom-cta-container {
    max-width: 700px;
    margin: 0 auto;
}

.bottom-cta h2 {
    font-size: 32px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.bottom-cta p {
    color: var(--text-muted);
    font-size: 18px;
    margin-bottom: 32px;
    line-height: 1.5;
}

.cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    border: 2px solid var(--border);
    color: var(--text);
    text-decoration: none;
    padding: 14px 28px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: all 0.2s ease;
}

.btn-outline:hover {
    border-color: var(--primary);
    color: var(--primary);
    background: rgba(0, 57, 166, 0.04);
}

.btn-solid {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--primary);
    color: white;
    text-decoration: none;
    padding: 14px 28px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: all 0.2s ease;
    box-shadow: 0 4px 12px rgba(0, 57, 166, 0.2);
}

.btn-solid:hover {
    background: var(--primary-hover);
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(0, 57, 166, 0.3);
}

/* Footer */
footer {
    background: var(--text);
    padding: 32px 20px;
    text-align: center;
}

footer p {
    color: rgba(255, 255, 255, 0.5);
    font-size: 14px;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

/* Responsive */
@media (max-width: 900px) {
    .main-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .hero-text {
        max-width: 100%;
        text-align: center;
    }
    
    .benefits li {
        justify-content: center;
    }
    
    .badge {
        margin: 0 auto 24px;
    }
    
    .expert-card {
        grid-template-columns: 1fr;
        gap: 24px;
        padding: 24px;
    }
    
    .expert-image {
        height: auto;
        aspect-ratio: 1;
    }
}

@media (max-width: 480px) {
    h1 { font-size: 32px; }
    .quiz-container { padding: 24px; min-height: 380px; }
    .header-nav { display: none; } /* Hide on extreme small for clean look, keep phone */
    .contact { text-align: left; }
}