:root{--navy:#1F3A68;--teal:#2BB3C0;--ink:#1f2937;--muted:#5a6473;--bg:#f6f9fb;--line:#e3eaf0;--radius:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 12px}
h1{font-size:clamp(28px,4vw,42px)}
h2{font-size:clamp(22px,3vw,30px)}
h3{font-size:18px}
p{margin:0 0 12px}
ul{margin:8px 0 0;padding-left:20px}
li{margin-bottom:4px}
.container{width:min(1140px,92%);margin:0 auto}

/* Header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:10px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{width:68px;height:auto}
.brand .name{font-weight:800;color:var(--navy);font-size:15px;letter-spacing:.3px}
.brand .tag{font-size:12px;color:var(--teal);font-weight:600;letter-spacing:.5px}
.links{display:flex;gap:22px}
.links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:6px 0;border-bottom:2px solid transparent}
.links a:hover,.links a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--teal)}
.cta{display:flex;gap:10px}

/* Buttons */
.btn{display:inline-block;padding:10px 18px;border-radius:999px;font-weight:700;font-size:14px;text-decoration:none;border:2px solid var(--navy);cursor:pointer;transition:.2s;font-family:inherit}
.btn.primary{background:var(--navy);color:#fff}
.btn.primary:hover{background:var(--teal);border-color:var(--teal)}
.btn.outline{background:transparent;color:var(--navy)}
.btn.outline:hover{background:var(--navy);color:#fff}
.actions{display:flex;gap:10px;flex-wrap:wrap}

/* Sections */
.section{padding:56px 0}
.section:nth-of-type(even){background:var(--bg)}
.kicker{display:inline-block;font-size:13px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.lead{font-size:18px;color:var(--muted);max-width:780px}
.small{font-size:14px;color:var(--muted)}
.note{margin:6px 0 0;font-size:15px}

/* Hero */
.hero{padding:70px 0;background:linear-gradient(135deg,#eef6f8 0%,#fff 60%)}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:36px;align-items:center}
.hero-grid > div:first-child > p{font-size:18px;color:var(--muted)}
.hero .actions{margin:20px 0}
.trust{display:flex;flex-wrap:wrap;gap:8px}
.pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;color:var(--navy)}

/* Cards and grids */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin-top:18px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 4px 18px rgba(31,58,104,.06)}
.card p:last-child{margin-bottom:0}
.tagline{margin-top:14px;padding-top:12px;border-top:1px dashed var(--line);font-size:14px;font-weight:700;color:var(--teal)}
.banner{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px 28px}
.banner h3{color:#fff}
.banner p{color:#dbe6f2;margin:0}
.banner .btn.primary{background:var(--teal);border-color:var(--teal)}
.banner .btn.outline{color:#fff;border-color:#fff}
.banner .btn.outline:hover{background:#fff;color:var(--navy)}
.highlight{background:#fff4e5;border-left:5px solid #e69500;border-radius:10px;padding:16px 20px;color:#5c3b00}
.highlight strong{color:#9a5b00}

/* Steps */
.steps{display:grid;gap:12px}
.step{display:grid;grid-template-columns:44px 1fr;column-gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.step .n{grid-row:span 2;width:40px;height:40px;border-radius:50%;background:var(--teal);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}

/* Form */
.form{display:grid;gap:14px}
.form label{display:block;font-weight:600;font-size:14px;margin-bottom:5px;color:var(--navy)}
.form input,.form select,.form textarea{width:100%;padding:11px 12px;border:1px solid #c9d5df;border-radius:10px;font:inherit;font-size:15px;background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(43,179,192,.2)}
.form textarea{min-height:120px;resize:vertical}
.checkbox{display:flex;gap:10px;align-items:flex-start}
.checkbox input{width:18px;height:18px;margin-top:3px;flex-shrink:0}
.checkbox label{font-weight:400;color:var(--ink);margin:0}

/* Footer */
footer{background:var(--navy);color:#dbe6f2;padding:26px 0;font-size:14px}
.footer-row{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
footer .small{color:#aebfd3}

/* Animation */
.fade-up{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.fade-up.visible{opacity:1;transform:none}
.no-js .fade-up{opacity:1;transform:none}

/* Mobile */
@media (max-width:900px){
  .hero-grid,.split{grid-template-columns:1fr}
  .nav{justify-content:center}
  .links{order:3;width:100%;justify-content:center}
}
@media (max-width:560px){
  .cta{width:100%;justify-content:center}
  .links{gap:14px}
  .section{padding:40px 0}
}
@media (prefers-reduced-motion:reduce){.fade-up{opacity:1;transform:none;transition:none}}