:root{
  --navy:#0b1f3a; --blue:#1456a0; --gold:#c99a3d; --ink:#172033;
  --muted:#667085; --bg:#f6f8fb; --white:#fff; --line:#e5eaf0;
  --shadow:0 16px 45px rgba(11,31,58,.08); --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.72}
a{color:inherit;text-decoration:none}
.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:#dce6f4;font-size:13px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}
.brand-mark{width:42px;height:42px;border-radius:11px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-size:18px}
.brand small{display:block;font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.4px}
.navlinks{display:flex;align-items:center;gap:21px;font-size:14px;font-weight:650}
.navlinks a:hover{color:var(--blue)}
.navcta,.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;padding:12px 17px;font-weight:750;transition:.2s}
.navcta{background:var(--navy);color:#fff}
.navcta:hover,.btn.primary:hover{transform:translateY(-1px);opacity:.94}
.menu{display:none;background:none;border:0;font-size:28px;color:var(--navy)}
.hero{background:linear-gradient(135deg,#f3f7fc 0%,#fff 62%);padding:92px 0 72px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;width:430px;height:430px;border-radius:50%;background:rgba(20,86,160,.06);right:-170px;top:-150px}
.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:55px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-block;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:1.4px;font-size:12px;margin-bottom:12px}
h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(38px,5vw,62px);line-height:1.08;color:var(--navy);margin:0 0 20px;letter-spacing:-1.4px}
h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(28px,3vw,40px);line-height:1.15;color:var(--navy);margin:0 0 18px}
h3{color:var(--navy);font-size:19px;line-height:1.35;margin:0 0 8px}
.hero p{font-size:18px;color:#536174;max-width:760px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{border:1px solid var(--navy);cursor:pointer}
.btn.primary{background:var(--navy);color:#fff}
.btn.secondary{background:#fff;color:var(--navy)}
.trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:27px}
.trust span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-size:12px;font-weight:700;color:#4b5b70}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.hero-card .mark{font-family:Georgia,serif;font-size:50px;color:var(--gold);line-height:1}
.section{padding:76px 0}
.section.alt{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head p{color:var(--muted)}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 6px 24px rgba(11,31,58,.04)}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);transition:.2s}
.card p{color:var(--muted);margin:8px 0 0}
.icon{width:42px;height:42px;border-radius:12px;background:#edf4fc;color:var(--blue);display:grid;place-items:center;font-weight:900;margin-bottom:15px}
.list{padding-left:20px}
.list li{margin:7px 0}
.band{background:var(--navy);color:#fff;padding:54px 0}
.band h2{color:#fff}
.band p{color:#dce6f4}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:30px}
.stat{padding:20px;border:1px solid rgba(255,255,255,.14);border-radius:14px}
.stat strong{display:block;font-size:27px;color:#fff}
.stat span{font-size:13px;color:#cbd8e8}
.page-hero{background:var(--bg);padding:68px 0}
.page-hero p{max-width:800px;color:var(--muted);font-size:17px}
.content h1{font-size:46px}
.content h2{font-size:30px;margin-top:38px}
.content h3{margin-top:25px}
.content p{max-width:900px}
.content ul{max-width:900px}
.notice{border-left:4px solid var(--gold);padding:18px 20px;background:#fff8ea;border-radius:10px;margin:25px 0;max-width:900px}
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px}
form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:var(--shadow)}
label{display:block;font-weight:700;font-size:13px;margin:13px 0 6px}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #d6dde7;border-radius:9px;font:inherit;outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,86,160,.09)}
textarea{min-height:130px;resize:vertical}
footer{background:#08182d;color:#d9e3f0;padding:55px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px}
footer h3{color:#fff}
footer p,footer li{color:#b9c7d8;font-size:14px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin:7px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:18px;font-size:12px;color:#98a9bd;display:flex;justify-content:space-between;gap:20px}
.floating{position:fixed;right:18px;bottom:18px;z-index:40;background:#198754;color:#fff;padding:13px 17px;border-radius:999px;box-shadow:0 10px 25px rgba(0,0,0,.18);font-weight:800}
.faq details{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff;margin:10px 0}
.faq summary{cursor:pointer;font-weight:750;color:var(--navy)}
.cta-center{text-align:center}
.small{font-size:13px;color:var(--muted)}
@media(max-width:950px){
  .navlinks{display:none;position:absolute;left:4%;right:4%;top:70px;background:#fff;border:1px solid var(--line);padding:16px;border-radius:14px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}
  .navlinks.open{display:flex}
  .menu{display:block}
  .hero-grid,.form-wrap{grid-template-columns:1fr}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .topbar .container{flex-direction:column;gap:2px}
  .hero{padding:60px 0 50px}
  .section{padding:55px 0}
  .grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .navcta{display:none}
  h1{font-size:38px}
  .footer-bottom{flex-direction:column}
}