:root{
 --navy:#0D2B4D; --blue:#3A6FB1; --powder:#7FB6E6; --gold:#F2B01E;
 --ink:#182534; --muted:#607080; --ice:#F1F7FC; --white:#fff; --line:#D9E5EE;
 --shadow:0 20px 55px rgba(13,43,77,.11); --r:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Montserrat,Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:white;line-height:1.65}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
button,input,select,textarea{font:inherit}
.container{width:min(1180px,92%);margin:auto}
.skip{position:absolute;left:-9999px;top:10px;background:#fff;padding:10px 14px;z-index:100;color:var(--navy)}
.skip:focus{left:10px}
.top{background:var(--navy);color:#fff;font-size:.88rem}
.top .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0}
.top a{text-decoration:underline;text-underline-offset:2px}
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.navin{display:flex;align-items:center;justify-content:space-between;min-height:86px;gap:18px}
.brand{display:flex;align-items:center;gap:12px;min-width:230px}
.brand img{width:64px;height:64px;object-fit:contain}
.brand strong{display:block;color:var(--navy);font-size:1.08rem;line-height:1.1}
.brand span{display:block;color:var(--blue);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;margin-top:4px}
.links{display:flex;align-items:center;gap:20px;font-weight:750;font-size:.92rem}
.links a:hover,.links a:focus{color:var(--blue)}
.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px 12px;font-size:1.25rem}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 20px;font-weight:850;border:1px solid transparent;transition:.18s ease;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.primary{background:var(--navy);color:#fff;box-shadow:0 12px 28px rgba(13,43,77,.18)}
.primary:hover{background:#153d69}
.secondary{background:#fff;border-color:var(--navy);color:var(--navy)}
.gold{background:var(--gold);color:var(--navy)}
.hero{position:relative;overflow:hidden;background:
 linear-gradient(135deg,rgba(241,247,252,.97),rgba(255,255,255,.98)),
 radial-gradient(circle at 82% 16%,rgba(127,182,230,.36),transparent 34%)}
.hero:after{content:"";position:absolute;inset:auto -160px -240px auto;width:620px;height:620px;border:1px solid rgba(58,111,177,.18);border-radius:50%}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:center;min-height:710px;padding:74px 0;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:10px;color:var(--blue);font-weight:900;letter-spacing:.11em;text-transform:uppercase;font-size:.8rem}
.eyebrow:before{content:"";width:34px;height:3px;background:var(--gold);border-radius:4px}
h1,h2,h3,h4{color:var(--navy);line-height:1.08}
h1{font-size:clamp(2.8rem,5.6vw,5.4rem);letter-spacing:-.045em;margin:18px 0 24px}
h2{font-size:clamp(2rem,4vw,3.35rem);letter-spacing:-.035em;margin:0 0 18px}
h3{font-size:1.28rem;margin:0 0 10px}
p{margin-top:0}
.lead{font-size:1.17rem;color:var(--muted);max-width:760px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.pill{background:white;border:1px solid var(--line);border-radius:999px;padding:8px 12px;color:var(--navy);font-weight:750;font-size:.84rem}
.hero-card{background:#fff;border-radius:30px;padding:18px;box-shadow:0 30px 80px rgba(13,43,77,.16);border:1px solid rgba(13,43,77,.07)}
.hero-visual{min-height:520px;border-radius:23px;position:relative;overflow:hidden;background:
 linear-gradient(160deg,rgba(13,43,77,.92),rgba(58,111,177,.88)),
 radial-gradient(circle at 70% 20%,#7FB6E6,transparent 34%);display:flex;align-items:center;justify-content:center;padding:38px}
.hero-visual img{width:min(410px,86%);filter:drop-shadow(0 18px 28px rgba(0,0,0,.22));background:white;border-radius:24px;padding:16px}
.ribbon{position:absolute;left:28px;right:28px;bottom:28px;background:rgba(255,255,255,.96);padding:15px 18px;border-radius:14px;color:var(--navy);font-weight:850;box-shadow:var(--shadow)}
section{padding:92px 0}
.section-head{max-width:800px;margin-bottom:42px}
.kicker{color:var(--gold);font-size:.78rem;font-weight:900;text-transform:uppercase;letter-spacing:.12em}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:white;border:1px solid var(--line);border-radius:var(--r);padding:27px;box-shadow:0 8px 30px rgba(13,43,77,.04)}
.card p,.muted{color:var(--muted)}
.icon{width:48px;height:48px;border-radius:15px;background:var(--ice);display:grid;place-items:center;color:var(--navy);font-weight:950;margin-bottom:18px}
.dark{background:var(--navy);color:white}
.dark h2,.dark h3,.dark h4{color:white}
.dark p{color:#d8e5ef}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checks{display:grid;gap:13px;margin-top:22px}
.check{display:flex;gap:12px}
.check i{font-style:normal;display:grid;place-items:center;width:25px;height:25px;min-width:25px;border-radius:50%;background:var(--ice);color:var(--navy);font-weight:900}
.stat{border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:20px}
.stat strong{display:block;font-size:1.65rem;color:white}
.stat span{color:#d8e5ef;font-size:.88rem}
.soft{background:#F7FAFC}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{border-top:4px solid var(--gold);background:#fff;padding:25px;border-radius:0 0 18px 18px;box-shadow:var(--shadow)}
.step small{font-weight:900;color:var(--blue);letter-spacing:.1em}
.cta{background:linear-gradient(135deg,var(--navy),#174d80);border-radius:30px;padding:48px;color:white;display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta h2{color:white;margin-bottom:8px}
.cta p{color:#d8e5ef;margin:0}
.pagehero{background:linear-gradient(135deg,var(--ice),white);padding:76px 0 65px;border-bottom:1px solid var(--line)}
.pagehero h1{font-size:clamp(2.7rem,5vw,4.7rem);max-width:920px}
.pagehero p{max-width:820px;color:var(--muted);font-size:1.15rem}
.form{display:grid;gap:14px}
.form label{font-size:.88rem;font-weight:800;color:var(--navy)}
.form input,.form textarea,.form select{width:100%;border:1px solid #bfd0dc;border-radius:12px;padding:14px;background:#fff}
.form textarea{min-height:145px;resize:vertical}
.form input:focus,.form textarea:focus,.form select:focus{outline:3px solid rgba(127,182,230,.35);border-color:var(--blue)}
.notice{font-size:.83rem;color:var(--muted)}
.faq details{border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:#fff;margin-bottom:12px}
.faq summary{font-weight:850;color:var(--navy);cursor:pointer}
.download{display:flex;align-items:center;justify-content:space-between;gap:18px;border:1px solid var(--line);padding:22px;border-radius:16px;background:#fff}
footer{background:#071a2e;color:#d6e4ef;padding:54px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:36px}
footer h4{color:white;margin-top:0}
footer a{display:block;margin:8px 0;color:#d6e4ef}
.footer-brand{display:flex;align-items:center;gap:12px}
.footer-brand img{width:72px;background:white;border-radius:12px;padding:5px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:18px;font-size:.83rem;color:#9fb4c5;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
@media(max-width:980px){
 .links{display:none;position:absolute;top:86px;left:4%;right:4%;background:white;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:20px;flex-direction:column;align-items:flex-start}
 .links.open{display:flex}.menu{display:block}
 .hero-grid,.split{grid-template-columns:1fr}.hero-grid{min-height:auto}
 .grid3{grid-template-columns:1fr 1fr}.grid4,.steps{grid-template-columns:1fr 1fr}
 .hero-card{max-width:700px}
}
@media(max-width:660px){
 .top .container{flex-direction:column;gap:2px}
 .brand span{display:none}.brand{min-width:auto}.brand img{width:54px;height:54px}
 .grid3,.grid4,.steps,.footer-grid{grid-template-columns:1fr}
 section{padding:68px 0}.hero-grid{padding:52px 0}.hero-visual{min-height:410px}
 .cta{padding:34px;flex-direction:column;align-items:flex-start}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}