* { box-sizing: border-box; }
      body {
        margin: 0;
        font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
        background: radial-gradient(circle at top left, #0b1b2b, #020617 60%);
        color: #e5e7eb;
      }
      a { color: inherit; }
      .topbar {
        position: sticky; top: 0; z-index: 10;
        background: rgba(2,6,23,0.75);
        backdrop-filter: blur(10px);
        border-bottom: 1px solid rgba(148,163,184,0.25);
      }
      .topbar-inner {
        max-width: 1120px;
        margin: 0 auto;
        padding: 12px 16px;
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 14px;
      }
      .brand {
        display: flex;
        align-items: center;
        gap: 10px;
        min-width: 220px;
      }
      .brand img {
        width: 44px; height: 44px;
        border-radius: 10px;
        background: rgba(255,255,255,0.06);
        padding: 6px;
        border: 1px solid rgba(148,163,184,0.25);
      }
      .brand h1 {
        font-size: 14px;
        margin: 0;
        line-height: 1.2;
        letter-spacing: .02em;
      }
      .brand .sub {
        font-size: 12px; color: #9ca3af;
        margin-top: 2px;
      }
      .nav {
        display: flex; gap: 10px; flex-wrap: wrap;
        justify-content: flex-end;
      }
      .pill {
        padding: 8px 12px;
        border-radius: 999px;
        font-size: 12px;
        border: 1px solid rgba(148,163,184,0.25);
        background: rgba(15,23,42,0.55);
        text-decoration: none;
        white-space: nowrap;
      }
      .pill.primary {
        border: none;
        background: linear-gradient(90deg, #0ea5e9, #22c55e);
        color: #07111f;
        font-weight: 700;
      }


      .wrap {
        max-width: 1120px;
        margin: 0 auto;
        padding: 22px 16px 40px;
      }


      .hero {
        display: grid;
        grid-template-columns: 1.2fr 0.8fr;
        gap: 16px;
        align-items: stretch;
        margin-bottom: 18px;
      }
      .hero-card {
        border: 1px solid rgba(148,163,184,0.25);
        border-radius: 18px;
        background: radial-gradient(circle at top left, rgba(14,165,233,0.14), rgba(2,6,23,0.85) 60%);
        overflow: hidden;
        position: relative;
        padding: 18px;
        box-shadow: 0 18px 40px rgba(0,0,0,0.35);
      }
      .hero-card h2 {
        margin: 0;
        font-size: 26px;
        letter-spacing: -0.02em;
      }
      .hero-card p {
        margin: 10px 0 0;
        color: #cbd5e1;
        line-height: 1.55;
        max-width: 62ch;
        font-size: 14px;
      }
      .cta-row {
        display: flex;
        gap: 10px;
        flex-wrap: wrap;
        margin-top: 14px;
      }
      .btn {
        border: 1px solid rgba(148,163,184,0.28);
        background: rgba(15,23,42,0.55);
        color: #e5e7eb;
        padding: 10px 12px;
        border-radius: 12px;
        text-decoration: none;
        font-size: 13px;
        display: inline-flex;
        align-items: center;
        gap: 8px;
        cursor: pointer;
      }
      .btn.primary {
        border: none;
        background: linear-gradient(90deg, #ef4444, #f59e0b);
        color: #111827;
        font-weight: 800;
      }
      .mini {
        margin-top: 10px;
        display: flex;
        gap: 10px;
        flex-wrap: wrap;
        color: #9ca3af;
        font-size: 12px;
      }
      .mini span {
        padding: 6px 10px;
        border-radius: 999px;
        background: rgba(15,23,42,0.55);
        border: 1px solid rgba(148,163,184,0.2);
      }


      .quote-card {
        border: 1px solid rgba(148,163,184,0.25);
        border-radius: 18px;
        background: radial-gradient(circle at top left, rgba(34,197,94,0.12), rgba(2,6,23,0.86) 60%);
        padding: 18px;
        box-shadow: 0 18px 40px rgba(0,0,0,0.35);
      }
      .quote-title {
        font-size: 12px;
        color: #9ca3af;
        letter-spacing: .08em;
        text-transform: uppercase;
      }
      .quote-value {
        margin-top: 8px;
        font-size: 26px;
        font-weight: 800;
      }
      .quote-range {
        margin-top: 6px;
        color: #cbd5e1;
        font-size: 13px;
      }
      .quote-note {
        margin-top: 10px;
        color: #9ca3af;
        font-size: 12px;
        line-height: 1.45;
      }


      .grid {
        display: grid;
        grid-template-columns: 1fr 420px;
        gap: 16px;
        align-items: start;
      }


      .panel {
        border: 1px solid rgba(148,163,184,0.25);
        border-radius: 18px;
        background: rgba(2,6,23,0.72);
        padding: 18px;
        box-shadow: 0 18px 40px rgba(0,0,0,0.25);
      }
      .panel h3 {
        margin: 0 0 12px;
        font-size: 16px;
        letter-spacing: -0.01em;
      }


      .form-grid {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 12px;
      }
      .field {
        display: flex;
        flex-direction: column;
        gap: 6px;
      }
      label {
        font-size: 12px;
        color: #9ca3af;
      }
      input, select, textarea {
        border: 1px solid rgba(148,163,184,0.28);
        background: rgba(15,23,42,0.6);
        color: #e5e7eb;
        border-radius: 12px;
        padding: 10px 10px;
        outline: none;
        font-size: 13px;
      }
      textarea { min-height: 92px; resize: vertical; }
      .full { grid-column: 1 / -1; }


      .divider {
        height: 1px;
        background: rgba(148,163,184,0.18);
        margin: 14px 0;
      }


      .row {
        display: flex;
        gap: 10px;
        flex-wrap: wrap;
        align-items: center;
        justify-content: space-between;
      }


      .muted { color: #9ca3af; font-size: 12px; line-height: 1.45; }
      .success {
        background: rgba(34,197,94,0.12);
        border: 1px solid rgba(34,197,94,0.25);
        color: #bbf7d0;
        padding: 10px 12px;
        border-radius: 12px;
        font-size: 13px;
        display: none;
        margin-top: 12px;
      }


      .sticky {
        position: sticky;
        top: 86px;
      }


      .check {
        display: flex; gap: 10px; align-items: flex-start;
        padding: 10px 12px;
        border-radius: 14px;
        border: 1px solid rgba(148,163,184,0.2);
        background: rgba(15,23,42,0.45);
      }
      .check input { margin-top: 2px; }


      .small-grid {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 10px;
        margin-top: 10px;
      }


      @media (max-width: 980px) {
        .hero { grid-template-columns: 1fr; }
        .grid { grid-template-columns: 1fr; }
        .sticky { position: static; }
        .form-grid { grid-template-columns: 1fr; }
      }