* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Segoe UI", Arial, sans-serif;
  color: #1d1f22;
  background: #f6f4f1;
}

a {
  color: #1b4d89;
  text-decoration: none;
}

a:focus,
button:focus,
select:focus,
input:focus,
textarea:focus {
  outline: 2px solid #1b4d89;
  outline-offset: 2px;
}

.layout {
  display: flex;
  min-height: 100vh;
}

.sidebar {
  width: 260px;
  background: #0d1b2a;
  color: #f5f7fa;
  padding: 32px 24px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.brand {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.brand strong {
  font-size: 22px;
  letter-spacing: 0.5px;
}

.brand span {
  font-size: 13px;
  color: #c0c7d1;
}

.sidebar nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.sidebar nav a {
  color: #f5f7fa;
  font-size: 15px;
}

.sidebar .cta-link {
  margin-top: auto;
  background: #f5c542;
  color: #1d1f22;
  padding: 12px 14px;
  text-align: center;
  font-weight: 600;
  border-radius: 6px;
}

.main {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 32px;
  background: #fefcf9;
  border-bottom: 1px solid #e1ded8;
}

.topbar .ad-label {
  font-size: 13px;
  color: #6b6f76;
}

.topbar .top-links {
  display: flex;
  gap: 18px;
  font-size: 14px;
}

.content {
  padding: 36px 32px 80px;
  display: flex;
  flex-direction: column;
  gap: 48px;
}

.section {
  padding: 28px;
  border-radius: 14px;
}

.bg-insight {
  background-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?w=1400&q=80");
  background-size: cover;
  background-position: center;
  background-color: #1c2a3a;
  background-blend-mode: multiply;
  color: #ffffff;
}

.bg-trust {
  background-image: url("https://images.unsplash.com/photo-1504384764586-bb4cdc1707b0?w=1400&q=80");
  background-size: cover;
  background-position: center;
  background-color: #2a2f36;
  background-blend-mode: multiply;
  color: #ffffff;
}

.bg-soft {
  background: #f1efe9;
}

.hero {
  display: flex;
  gap: 28px;
  align-items: stretch;
}

.hero-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 18px;
  justify-content: center;
}

.hero h1 {
  font-size: 36px;
  margin: 0;
}

.hero-actions {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
}

.primary-btn {
  background: #1b4d89;
  color: #ffffff;
  padding: 12px 18px;
  border-radius: 6px;
  border: none;
  font-weight: 600;
  cursor: pointer;
}

.secondary-btn {
  background: transparent;
  color: #1b4d89;
  border: 2px solid #1b4d89;
  padding: 10px 16px;
  border-radius: 6px;
  font-weight: 600;
  cursor: pointer;
}

.image-frame {
  background: #d9d4cc;
  border-radius: 10px;
  overflow: hidden;
}

.image-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.hero-visual {
  flex: 1;
  min-height: 280px;
}

.split-section {
  display: flex;
  gap: 24px;
  align-items: stretch;
}

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

.card-row {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

.card {
  flex: 1 1 220px;
  background: #ffffff;
  border-radius: 10px;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  min-width: 220px;
  box-shadow: 0 12px 24px rgba(15, 23, 42, 0.08);
}

.card h3 {
  margin: 0;
  font-size: 18px;
}

.card .price {
  font-weight: 700;
  color: #1b4d89;
}

.highlight-panel {
  background: #f1efe9;
  border-left: 4px solid #1b4d89;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.tag {
  background: #ffffff;
  border: 1px solid #d7d3cc;
  padding: 6px 12px;
  border-radius: 20px;
  font-size: 13px;
}

.form-panel {
  background: #ffffff;
  padding: 22px;
  border-radius: 10px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  box-shadow: 0 10px 20px rgba(15, 23, 42, 0.08);
}

.form-panel form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.form-panel label {
  font-size: 13px;
  color: #4f5560;
}

.form-panel input,
.form-panel select,
.form-panel textarea {
  padding: 10px 12px;
  border-radius: 6px;
  border: 1px solid #cdd2d9;
  font-size: 14px;
}

.inline-cta {
  font-weight: 600;
}

.quote-block {
  background: #ffffff;
  padding: 18px 20px;
  border-radius: 10px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: 0 10px 18px rgba(15, 23, 42, 0.06);
}

.footer {
  background: #0d1b2a;
  color: #f5f7fa;
  padding: 28px 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer a {
  color: #f5c542;
}

.footer .footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 14px;
}

.sticky-cta {
  position: fixed;
  right: 24px;
  bottom: 24px;
  background: #1b4d89;
  color: #ffffff;
  padding: 12px 16px;
  border-radius: 40px;
  font-weight: 600;
  box-shadow: 0 12px 24px rgba(15, 23, 42, 0.2);
}

.cookie-banner {
  position: fixed;
  bottom: 16px;
  left: 16px;
  right: 16px;
  background: #ffffff;
  border: 1px solid #d7d3cc;
  padding: 16px;
  border-radius: 10px;
  display: none;
  flex-direction: column;
  gap: 12px;
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.15);
  z-index: 10;
}

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

.note {
  font-size: 14px;
  color: #5b6068;
}

.section-title {
  font-size: 24px;
  margin: 0;
}

.list-rows {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.info-row {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px;
  background: #ffffff;
  border-radius: 8px;
}

.info-row strong {
  min-width: 140px;
}

@media (max-width: 980px) {
  .layout {
    flex-direction: column;
  }

  .sidebar {
    width: 100%;
    flex-direction: row;
    align-items: center;
    flex-wrap: wrap;
  }

  .sidebar nav {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 16px;
  }

  .sidebar .cta-link {
    margin-top: 0;
  }

  .hero,
  .split-section {
    flex-direction: column;
  }

  .sticky-cta {
    right: 16px;
    left: 16px;
    text-align: center;
  }
}