:root{
  --bg:#f6f8fb;
  --surface:#ffffff;
  --surface-2:#eef3f9;
  --ink:#0e1b2b;
  --muted:#5f6d7c;
  --navy:#0b2748;
  --blue:#1f5fa8;
  --red:#b52a34;
  --line:#d9e1ea;
  --gold:#caa864;
  --shadow:0 18px 50px rgba(11,39,72,.10);
  --radius:22px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background:var(--bg);
  color:var(--ink);
  line-height:1.65;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(var(--max), calc(100% - 40px));margin:auto}
.topbar{
  background:var(--navy); color:#eaf2fb; font-size:13px;
  padding:8px 0; text-align:center; letter-spacing:.02em
}
.site-header{
  position:sticky; top:0; z-index:50; backdrop-filter:blur(14px);
  background:rgba(255,255,255,.88); border-bottom:1px solid rgba(217,225,234,.9)
}
.nav{
  height:76px; display:flex; align-items:center; justify-content:space-between; gap:24px
}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.03em}
.brand-mark{
  width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--blue));
  display:grid;place-items:center;color:white;font-weight:900;box-shadow:0 10px 24px rgba(31,95,168,.23)
}
.brand small{display:block;font-size:10px;color:var(--muted);font-weight:700;letter-spacing:.13em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:700}
.nav-links a{color:#324355;position:relative}
.nav-links a:after{content:"";position:absolute;left:0;bottom:-8px;width:0;height:2px;background:var(--red);transition:.25s}
.nav-links a:hover:after,.nav-links a.active:after{width:100%}
.header-cta,.btn{
  border:0;border-radius:999px;padding:13px 20px;font-weight:800;cursor:pointer;
  display:inline-flex;align-items:center;justify-content:center;gap:8px;transition:.25s
}
.header-cta,.btn-primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(11,39,72,.18)}
.header-cta:hover,.btn-primary:hover{transform:translateY(-2px);background:#123b69}
.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-secondary:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.menu-btn{display:none;background:transparent;border:0;font-size:25px;color:var(--navy)}
.hero{
  position:relative;overflow:hidden;min-height:680px;display:flex;align-items:center;
  background:
    radial-gradient(circle at 15% 10%, rgba(31,95,168,.12), transparent 30%),
    linear-gradient(180deg,#fff 0%,#f3f7fb 100%);
}
.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:58px;align-items:center;padding:72px 0}
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;padding:7px 11px;border:1px solid #cdd9e5;border-radius:999px;
  color:var(--blue);font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;background:#fff
}
.eyebrow i{width:7px;height:7px;border-radius:99px;background:var(--red);display:block}
h1,h2,h3{line-height:1.08;margin:0 0 18px;letter-spacing:-.045em}
h1{font-size:clamp(44px,6.3vw,78px);max-width:760px}
h2{font-size:clamp(32px,4.5vw,52px)}
h3{font-size:22px}
.lead{font-size:19px;color:var(--muted);max-width:690px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero-card{
  background:#fff;border:1px solid var(--line);border-radius:32px;padding:16px;box-shadow:var(--shadow);
  position:relative
}
.hero-card img{border-radius:23px;width:100%;height:auto}
.hero-badge{
  position:absolute;left:32px;bottom:30px;background:rgba(11,39,72,.92);color:#fff;border-radius:18px;
  padding:14px 16px;max-width:260px;box-shadow:0 14px 30px rgba(0,0,0,.18)
}
.hero-badge strong{display:block}
.hero-badge span{font-size:12px;color:#d6e5f5}
.section{padding:96px 0}
.section-tight{padding:64px 0}
.section-title{max-width:750px;margin-bottom:42px}
.section-title p{color:var(--muted);font-size:18px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:0 12px 36px rgba(11,39,72,.06);transition:.28s
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.icon{
  width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:#eaf2fb;color:var(--blue);
  font-weight:900;margin-bottom:20px
}
.card p{color:var(--muted)}
.band{background:var(--navy);color:#fff}
.band p{color:#cbd9e8}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{padding:24px;border-left:1px solid rgba(255,255,255,.18)}
.stat strong{font-size:38px;display:block;letter-spacing:-.05em}
.stat span{font-size:13px;color:#cbd9e8}
.timeline{display:grid;gap:18px}
.step{display:grid;grid-template-columns:76px 1fr;gap:20px;align-items:flex-start}
.step-num{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}
.step p{color:var(--muted);margin-top:0}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:46px;align-items:center}
.notice{
  border:1px solid #e4c7ca;background:#fff7f8;color:#6e1b22;border-radius:18px;padding:18px 20px;font-size:14px
}
.quote{
  border-left:4px solid var(--red);padding:10px 0 10px 22px;font-size:24px;font-weight:700;color:var(--navy)
}
.page-hero{
  padding:98px 0 74px;background:linear-gradient(180deg,#fff,#eef4f9);border-bottom:1px solid var(--line)
}
.page-hero p{max-width:760px;font-size:19px;color:var(--muted)}
.pills{display:flex;gap:10px;flex-wrap:wrap}
.pill{padding:8px 11px;border-radius:999px;background:#eaf2fb;color:var(--blue);font-size:12px;font-weight:800}
.list{display:grid;gap:14px;padding:0;margin:0;list-style:none}
.list li{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px}
.list li strong{display:block;margin-bottom:4px}
.form{
  background:#fff;border:1px solid var(--line);border-radius:26px;padding:28px;box-shadow:var(--shadow)
}
.field{display:grid;gap:7px;margin-bottom:16px}
.field label{font-size:13px;font-weight:800}
.field input,.field textarea,.field select{
  width:100%;border:1px solid #cfd8e2;border-radius:14px;padding:14px 15px;font:inherit;background:#fff;color:var(--ink)
}
.field textarea{min-height:150px;resize:vertical}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.footer{
  background:#081a2d;color:#fff;padding:60px 0 28px;margin-top:60px
}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:40px}
.footer a{color:#cbd9e8}
.footer p{color:#aabbd0}
.footer h4{margin-top:0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:22px;color:#8fa5bc;font-size:13px}
.reveal{opacity:0;transform:translateY(18px);transition:.7s ease}
.reveal.show{opacity:1;transform:none}
.accordion-item{border:1px solid var(--line);border-radius:16px;background:#fff;margin-bottom:12px;overflow:hidden}
.accordion-btn{width:100%;padding:18px 20px;background:#fff;border:0;text-align:left;font-weight:800;display:flex;justify-content:space-between;cursor:pointer}
.accordion-content{display:none;padding:0 20px 18px;color:var(--muted)}
.accordion-item.open .accordion-content{display:block}
@media (max-width:900px){
  .nav-links{position:fixed;inset:115px 20px auto 20px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px;display:none;flex-direction:column;align-items:flex-start;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}.menu-btn{display:block}.header-cta{display:none}
  .hero{min-height:auto}.hero-grid,.split{grid-template-columns:1fr;gap:34px}.hero-grid{padding:54px 0}
  .grid-3,.grid-2,.stats,.footer-grid{grid-template-columns:1fr}
  .section{padding:72px 0}.section-tight{padding:50px 0}
  .stat{border-left:0;border-bottom:1px solid rgba(255,255,255,.15)}
  .form-row{grid-template-columns:1fr}
}
@media (max-width:560px){
  .container{width:min(var(--max), calc(100% - 26px))}
  .nav{height:70px}
  h1{font-size:46px}
  .lead,.page-hero p{font-size:17px}
  .hero-badge{position:static;margin-top:12px;max-width:none}
  .page-hero{padding:70px 0 55px}
  .card{padding:22px}
}