:root{
  --bg:#0b1220;
  --ink:#0b1220;
  --text:#0e1726;
  --muted:#5b6678;
  --card:#ffffff;
  --alt:#f6f8fb;
  --line:#e6ebf2;
  --brand:#0b3a5c;
  --brand2:#11a4c9;
  --shadow:0 10px 30px rgba(9, 22, 44, .10);
  --radius:18px;
  --max:1100px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial; color:var(--text); background:#fff}
a{color:var(--brand); text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%; height:auto}
.hidden{display:none}
.maxw{max-width:70ch}

.container{width:min(var(--max), calc(100% - 40px)); margin:0 auto}
.mt{margin-top:18px}
.small{font-size:.95rem}

.nav{
  position:sticky; top:0; z-index:20;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid var(--line);
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 20px;
}
.brand{display:flex; align-items:center; gap:10px}
.logo{height:34px; width:auto}
.nav-links{display:flex; gap:18px; align-items:center}
.nav-links a{font-weight:600; color:#22304a}
.nav-links a.cta{padding:10px 14px; border-radius:999px; background:var(--brand); color:#fff}
.nav-links a.cta:hover{opacity:.92; text-decoration:none}

.nav-toggle{display:none; background:transparent; border:0; padding:8px; cursor:pointer}
.nav-toggle span{display:block; width:22px; height:2px; background:#22304a; margin:5px 0; border-radius:2px}

.hero{
  padding:68px 0 34px;
  background:
    radial-gradient(1200px 450px at 20% 10%, rgba(17,164,201,.16), transparent 60%),
    radial-gradient(900px 450px at 80% 10%, rgba(11,58,92,.12), transparent 55%),
    linear-gradient(#ffffff, #ffffff);
}
.hero-grid{display:grid; grid-template-columns: 1.2fr .8fr; gap:28px; align-items:stretch}
.eyebrow{letter-spacing:.08em; text-transform:uppercase; font-size:.82rem; color:var(--muted); font-weight:700; margin:0 0 10px}
h1{font-size:2.55rem; line-height:1.1; margin:0 0 14px}
.lead{font-size:1.15rem; color:#33415a; line-height:1.6}
.hero-actions{display:flex; gap:12px; margin:18px 0 16px; flex-wrap:wrap}
.pill{
  display:inline-flex; align-items:center;
  padding:8px 12px; border-radius:999px; border:1px solid var(--line);
  background:#fff; font-weight:600; color:#2e3c55; font-size:.92rem
}
.trust-row{display:flex; gap:10px; flex-wrap:wrap; margin-top:8px}

.hero-card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:18px 18px 16px;
}
.hero-card-title{font-weight:800; margin-bottom:10px; color:#22304a}

.section{padding:54px 0}
.section.alt{background:var(--alt); border-top:1px solid var(--line); border-bottom:1px solid var(--line)}
h2{font-size:1.7rem; margin:0 0 12px}
h3{margin:0 0 10px}
.muted{color:var(--muted); line-height:1.65}
.cards{display:grid; grid-template-columns:repeat(4, 1fr); gap:16px; margin-top:18px}
.cards.two{grid-template-columns:repeat(2, 1fr)}
.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
  box-shadow:0 6px 16px rgba(9, 22, 44, .06);
}
.card h2{font-size:1.35rem}
.link{display:inline-flex; margin-top:10px; font-weight:700}

.split{display:grid; grid-template-columns: 1fr 1fr; gap:22px; align-items:start}
.panel{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
  box-shadow:var(--shadow);
}
.divider{height:1px; background:var(--line); margin:14px 0}

.checklist,.bullets,.footer-list,.contact-list{padding-left:18px; margin:0}
.checklist li{margin:10px 0; line-height:1.5}
.bullets li{margin:10px 0; line-height:1.55}
.footer-list li,.contact-list li{margin:9px 0; line-height:1.5}

.button{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px;
  border-radius:999px;
  border:1px solid var(--line);
  background:#fff;
  font-weight:800;
  color:#22304a;
  text-decoration:none;
}
.button:hover{opacity:.92; text-decoration:none}
.button.primary{
  background:var(--brand);
  border-color:var(--brand);
  color:#fff;
}

.cta-band{
  display:flex; align-items:center; justify-content:space-between;
  gap:16px; padding:20px;
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.page-hero{
  padding:48px 0 18px;
  background:
    radial-gradient(1000px 360px at 30% 20%, rgba(17,164,201,.14), transparent 55%),
    radial-gradient(800px 380px at 80% 10%, rgba(11,58,92,.10), transparent 55%),
    linear-gradient(#ffffff, #ffffff);
  border-bottom:1px solid var(--line);
}
.page{min-height:60vh}

.note{
  margin-top:22px;
  background:var(--alt);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
}
.note-title{font-weight:900; margin-bottom:6px; color:#22304a}

.grid-3{display:grid; grid-template-columns:repeat(3, 1fr); gap:14px; margin-top:14px}
.mini{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:16px;
}
.mini-title{font-weight:900; color:#22304a; margin-bottom:6px}

.form-card h2{margin-bottom:14px}
.field{display:grid; gap:7px; margin-bottom:12px}
label{font-weight:800; color:#22304a}
input,textarea,select{
  width:100%;
  border:1px solid var(--line);
  border-radius:12px;
  padding:12px 12px;
  font:inherit;
  outline:none;
  background:#fff;
}
input:focus,textarea:focus,select:focus{border-color:rgba(17,164,201,.85); box-shadow:0 0 0 3px rgba(17,164,201,.16)}

.footer{
  border-top:1px solid var(--line);
  background:#fff;
  padding:26px 0 18px;
}
.footer-grid{display:grid; grid-template-columns: 1.4fr 1fr 1fr; gap:18px}
.footer-title{font-weight:900; color:#22304a; margin-bottom:10px}
.footer-bottom{
  display:flex; justify-content:space-between; gap:12px; flex-wrap:wrap;
  padding-top:14px; margin-top:14px; border-top:1px solid var(--line); color:#22304a
}

@media (max-width: 920px){
  .hero-grid{grid-template-columns: 1fr; }
  .cards{grid-template-columns:repeat(2, 1fr)}
  .split{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  h1{font-size:2.15rem}
  .footer-grid{grid-template-columns:1fr}
  .cta-band{flex-direction:column; align-items:flex-start}
  .nav-toggle{display:block}
  .nav-links{
    position:absolute; left:0; right:0; top:62px;
    background:rgba(255,255,255,.98);
    border-bottom:1px solid var(--line);
    padding:14px 20px;
    display:none;
    flex-direction:column;
    align-items:flex-start;
    gap:12px;
  }
  .nav-links.open{display:flex}
}

@media (max-width: 520px){
  .cards{grid-template-columns:1fr}
}