:root{
  --blue:#062a66;
  --blue-2:#0b58bf;
  --orange:#ff5a00;
  --orange-2:#ff7a1a;
  --ink:#0e1b2f;
  --muted:#627087;
  --line:#e8eef7;
  --soft:#f6f9fd;
  --white:#ffffff;
  --shadow:0 20px 60px rgba(6,42,102,.12);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,92%);margin:auto}
.topbar{background:var(--blue);color:#fff;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{display:flex;align-items:center;gap:12px}
.logo img{width:205px;height:auto}
.menu{display:flex;align-items:center;gap:28px;font-weight:700;color:#21324c}
.menu a:hover,.menu a.active{color:var(--orange)}
.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:999px;padding:13px 22px;font-weight:800;transition:.25s ease;border:0;cursor:pointer}
.nav-cta,.btn-primary{background:linear-gradient(135deg,var(--orange),var(--orange-2));color:#fff;box-shadow:0 12px 26px rgba(255,90,0,.25)}
.btn-primary:hover,.nav-cta:hover{transform:translateY(-2px)}
.btn-secondary{background:#fff;color:var(--blue);border:2px solid var(--blue);box-shadow:0 10px 28px rgba(6,42,102,.08)}
.mobile-toggle{display:none;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;font-size:24px;color:var(--blue)}
.hero{min-height:690px;display:flex;align-items:center;position:relative;overflow:hidden;background:
linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.86) 42%,rgba(255,255,255,.18) 70%),
url('https://images.unsplash.com/photo-1581092918056-0c4c3acd3789?auto=format&fit=crop&w=1800&q=80') center right/cover no-repeat}
.hero::after{content:"";position:absolute;inset:auto 0 0 0;height:110px;background:linear-gradient(0deg,#fff,transparent)}
.hero-content{position:relative;z-index:2;width:min(660px,100%);padding:84px 0}
.eyebrow{display:inline-flex;gap:8px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;color:var(--blue);font-weight:800;box-shadow:0 10px 25px rgba(6,42,102,.08)}
h1{font-size:clamp(2.5rem,6vw,5rem);line-height:.98;margin:22px 0;color:var(--blue);letter-spacing:-.055em}
h1 span,.accent{color:var(--orange)}
.lead{font-size:1.16rem;color:#33445f;max-width:620px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 24px}
.trust-row{display:flex;gap:12px;flex-wrap:wrap}
.trust-row span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 13px;font-weight:800;color:#28364b;box-shadow:0 10px 24px rgba(6,42,102,.07)}
.section{padding:86px 0}
.section-soft{background:var(--soft)}
.center{text-align:center}
.section-title{font-size:clamp(2rem,3.5vw,3.4rem);line-height:1.08;margin:0 0 12px;color:var(--blue);letter-spacing:-.035em}
.section-intro{max-width:760px;margin:0 auto 40px;color:var(--muted);font-size:1.08rem}
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 14px 38px rgba(6,42,102,.06)}
.card:hover{transform:translateY(-4px);transition:.25s ease;box-shadow:var(--shadow)}
.icon{width:64px;height:64px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,#eaf3ff,#fff);color:var(--blue);font-size:34px;margin-bottom:18px}
.icon.orange{background:linear-gradient(135deg,#fff0e7,#fff);color:var(--orange)}
.card h3{color:var(--blue);margin:0 0 8px;font-size:1.23rem}
.card p{margin:0;color:var(--muted)}
.why{background:linear-gradient(135deg,#eef7ff,#fff);border-radius:30px;padding:50px;border:1px solid var(--line)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;text-align:center;box-shadow:0 14px 34px rgba(6,42,102,.05)}
.number{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--blue-2);color:#fff;font-weight:900;margin:0 auto 14px}
.cta-band{background:linear-gradient(135deg,var(--blue),#031331);color:#fff;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 85% 20%,rgba(255,90,0,.34),transparent 28%),radial-gradient(circle at 10% 100%,rgba(11,88,191,.55),transparent 36%)}
.cta-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.3fr .7fr;gap:38px;align-items:center}
.cta-inner h2{font-size:clamp(2.4rem,5vw,5rem);line-height:1;margin:0 0 15px;letter-spacing:-.05em}
.cta-box{background:#fff;color:var(--blue);border-radius:28px;padding:34px;text-align:center;box-shadow:0 30px 80px rgba(0,0,0,.24)}
.page-hero{padding:88px 0;background:linear-gradient(135deg,#f6f9fd,#fff);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2.4rem,5vw,4.4rem);margin:0 0 14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.photo-card{min-height:420px;border-radius:30px;background:url('https://images.unsplash.com/photo-1621905252507-b35492cc74b4?auto=format&fit=crop&w=1200&q=80') center/cover;box-shadow:var(--shadow)}
.list{display:grid;gap:14px;margin-top:24px}
.list div{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);padding:16px;border-radius:16px}
.faq{max-width:900px;margin:auto;display:grid;gap:14px}
details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:0 10px 24px rgba(6,42,102,.04)}
summary{font-weight:900;color:var(--blue);cursor:pointer}
.form-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px;align-items:start}
form{background:#fff;border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:var(--shadow)}
label{display:block;font-weight:800;margin:12px 0 6px;color:var(--blue)}
input,select,textarea{width:100%;border:1px solid #d8e2f0;border-radius:14px;padding:14px;font:inherit}
textarea{min-height:130px;resize:vertical}
.footer{background:#06152e;color:#dce7f8;padding:58px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr 1fr;gap:42px}
.footer img{width:210px;background:#fff;border-radius:14px;padding:8px;margin-bottom:18px}
.footer h3{color:#fff;margin:0 0 14px}
.footer a{display:block;margin:9px 0;color:#dce7f8}
.footer a:hover{color:var(--orange)}
.footer-blurb{display:grid;gap:10px;margin-top:18px}
.footer-blurb div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:12px}
.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:18px;text-align:center;color:#a9b7ce}
@media(max-width:900px){
  .menu{position:fixed;left:0;right:0;top:86px;background:#fff;display:none;flex-direction:column;align-items:flex-start;padding:24px;width:100%;box-shadow:0 20px 40px rgba(0,0,0,.1)}
  .menu.open{display:flex}
  .mobile-toggle{display:block}
  .nav-cta{display:none}
  .hero{min-height:auto;background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,255,255,.78)),url('https://images.unsplash.com/photo-1581092918056-0c4c3acd3789?auto=format&fit=crop&w=1400&q=80') center/cover}
  .hero-content{padding:70px 0}
  .grid-3,.grid-4,.steps,.footer-grid,.split,.form-wrap,.cta-inner{grid-template-columns:1fr}
  .why{padding:28px}
  .cta-box{text-align:left}
}
@media(max-width:560px){
  .logo img{width:165px}
  .section{padding:62px 0}
  .hero-actions .btn{width:100%}
  .topbar .container{font-size:.82rem}
}