:root{--navy:#0B2A4A;--navy2:#123e66;--teal:#1B8FA6;--light:#7FD0E0;--bg:#F5F8FB;--ink:#1d2b3a;--mute:#5b6b7c;--line:#D5DEE8}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,"Segoe UI",system-ui,-apple-system,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;font-weight:600;letter-spacing:3px;color:var(--navy);font-size:18px}
nav ul{display:flex;list-style:none;align-items:center;gap:26px}
nav a{font-size:14px;color:var(--navy);font-weight:500}
nav a:hover,nav a.on{color:var(--teal)}
.btn{display:inline-block;background:var(--teal);color:#fff!important;padding:12px 26px;border-radius:6px;font-weight:600;font-size:15px;border:0;cursor:pointer;transition:.2s}
.btn:hover{background:var(--navy)}
.btn.sm{padding:9px 18px;font-size:14px}
.btn.ghost{background:transparent;border:1.5px solid #fff;margin-left:10px}
.btn.ghost:hover{background:#fff;color:var(--navy)!important}
.burger{display:none;background:none;border:0;cursor:pointer;padding:6px}
.burger span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:120px 0 140px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:460px;height:460px;border:1.5px solid rgba(127,208,224,.25);border-radius:50%}
.hero h1{font-size:clamp(34px,5.5vw,58px);line-height:1.12;font-weight:600;max-width:760px}
.hero p{margin:22px 0 34px;max-width:580px;font-size:18px;color:#d4e3f0}
.tag{color:var(--light);letter-spacing:3px;font-size:13px;margin-bottom:16px;font-weight:500}
.wave{position:absolute;bottom:-1px;left:0;width:100%;height:60px}
.band{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0}
.band h1{font-size:clamp(30px,4.5vw,44px);font-weight:600}
.band p{color:#c9dbea;max-width:620px;margin-top:10px}
.crumb{color:var(--light);font-size:13px;letter-spacing:2px;margin-bottom:10px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:-44px;position:relative;z-index:2}
.fact{background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px;text-align:center;box-shadow:0 8px 24px rgba(11,42,74,.07)}
.fact b{display:block;font-size:26px;color:var(--navy)}
.fact span{font-size:14px;color:var(--mute)}
section{padding:84px 0}
.alt{background:var(--bg)}
.eyebrow{color:var(--teal);letter-spacing:3px;font-size:13px;font-weight:600}
h2{font-size:clamp(26px,3.6vw,36px);color:var(--navy);margin:8px 0 14px;font-weight:600;line-height:1.2}
.lead{max-width:640px;color:#4a5a6b;margin-bottom:44px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.grid.four{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:10px;padding:28px;transition:.2s;display:block}
.card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(11,42,74,.1)}
.card h3{color:var(--navy);font-size:19px;margin-bottom:8px}
.card p{font-size:15px;color:var(--mute)}
.card .more{display:inline-block;margin-top:14px;color:var(--teal);font-weight:600;font-size:14px}
.step b{display:block;color:var(--teal);font-size:34px;font-weight:300;letter-spacing:1px}
.step h3{color:var(--navy);margin:2px 0 6px;font-size:18px}
.step p{color:var(--mute);font-size:15px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split ul{list-style:none;margin-top:18px}
.split li{padding:10px 0 10px 28px;border-bottom:1px solid var(--line);position:relative;color:#3a4a5b}
.split li:before{content:"";position:absolute;left:0;top:19px;width:14px;height:3px;background:var(--teal)}
.panel{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:14px;padding:40px}
.panel h3{font-size:22px;margin-bottom:10px}
.panel p{color:#c9dbea}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;text-align:center;padding:76px 0}
.cta h2{color:#fff}
.cta p{color:#c9dbea;max-width:560px;margin:0 auto 28px}
form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:16px;box-shadow:0 8px 24px rgba(11,42,74,.07)}
form .full{grid-column:1/-1}
label{font-size:13px;color:var(--navy);font-weight:600;display:block;margin-bottom:5px}
input,select,textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:6px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);border-color:transparent}
.contact{display:grid;grid-template-columns:1fr 1.5fr;gap:44px;align-items:start}
.contact p{margin:10px 0;color:#4a5a6b}
footer{background:var(--navy);color:#b9cbdc;padding:56px 0 24px;font-size:14px}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1.2fr;gap:40px;margin-bottom:34px}
footer h4{color:#fff;margin-bottom:12px;font-size:15px;letter-spacing:1px}
footer a{display:block;padding:3px 0}
footer a:hover{color:var(--light)}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;font-size:13px}
@media(max-width:860px){.burger{display:block}nav ul{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 22px;gap:14px;border-bottom:1px solid var(--line)}nav ul.open{display:flex}.grid,.grid.two,.grid.four,.facts,.split,.contact,.fgrid{grid-template-columns:1fr}form{grid-template-columns:1fr}.hero{padding:84px 0 110px}.btn.ghost{margin:12px 0 0}.split{gap:30px}section{padding:64px 0}}
.facts.four{grid-template-columns:repeat(4,1fr)}@media(max-width:860px){.facts.four{grid-template-columns:1fr 1fr}.fact b{font-size:22px}}