:root{
  --navy:#0f3f7d; --navy-dark:#0a2d5b; --navy-soft:#1b4f97; --aqua:#6ec9d9; --aqua-bright:#7dd8e7;
  --yellow:#f2d23b; --white:#ffffff; --text:#12304d; --muted:#5c7390; --panel:#eef5fb; --shadow:0 18px 45px rgba(8,36,74,.18);
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:linear-gradient(180deg,#f4f8fc 0%, #eaf2f9 100%);line-height:1.55}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 32px));margin:0 auto}
.topbar{position:sticky;top:0;z-index:20;background:rgba(10,45,91,.94);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:800;letter-spacing:.3px}
.brand-mark{width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--aqua) 0%, #4d63b8 50%, var(--yellow) 100%);position:relative;overflow:hidden}
.brand-mark:before,.brand-mark:after{content:"";position:absolute;border-radius:10px;transform:rotate(45deg)}
.brand-mark:before{width:18px;height:18px;left:6px;top:14px;background:#fff;opacity:.95}
.brand-mark:after{width:16px;height:16px;right:7px;top:10px;background:rgba(255,255,255,.45)}
.brand-text{font-size:1.2rem}
.nav-links{display:flex;gap:18px;align-items:center;color:#dbe9f7;font-weight:600;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:999px;font-weight:800;border:2px solid transparent}
.btn-primary{background:linear-gradient(90deg,var(--aqua) 0%, var(--aqua-bright) 100%);color:#fff;box-shadow:0 12px 30px rgba(57,158,180,.25)}
.btn-outline{color:#fff;border-color:rgba(255,255,255,.48)}
.btn-yellow{background:var(--yellow);color:var(--navy-dark)}
.hero-wrap{padding:34px 0 20px}
.hero{overflow:hidden;border-radius:34px;background:linear-gradient(155deg,var(--navy) 0%, var(--navy-soft) 58%, #172c78 100%);color:#fff;box-shadow:var(--shadow)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;padding:62px 50px;align-items:center}
.eyebrow{display:inline-flex;gap:10px;padding:10px 16px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);color:#d7e9f8;font-size:.95rem;margin-bottom:18px;font-weight:700}
h1{margin:0 0 18px;font-size:clamp(2.3rem,5.5vw,4.7rem);line-height:.98;letter-spacing:-2px}
.hero p{font-size:1.12rem;max-width:700px;color:#deebf8;margin:0 0 24px}
.hero .accent-aqua{color:var(--aqua-bright)} .hero .accent-yellow{color:var(--yellow)}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:30px;padding:24px}
.hero-list{display:grid;gap:12px;margin:18px 0 0;padding:0;list-style:none}
.hero-list li{padding:13px 15px;border-radius:18px;background:rgba(10,24,58,.28);border:1px solid rgba(255,255,255,.1);color:#e7f2fb;font-weight:700}
.section{padding:60px 0}
.section-head{max-width:840px;margin-bottom:26px}
.section-head .kicker{display:inline-block;color:var(--navy-soft);font-weight:800;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px;font-size:.88rem}
.section-head h2{margin:0 0 12px;font-size:clamp(1.9rem,3.8vw,3rem);line-height:1.02;color:var(--navy-dark);letter-spacing:-1px}
.section-head p,.card p,.faq-item p,.panel p{margin:0;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card,.faq-item,.panel,.lead-card{background:#fff;border-radius:26px;padding:26px;box-shadow:0 16px 34px rgba(10,45,91,.08);border:1px solid rgba(15,63,125,.08)}
.card h3,.faq-item h3,.panel h3,.lead-card h3{margin:0 0 10px;color:var(--navy-dark)}
.icon{width:56px;height:56px;border-radius:18px;display:grid;place-items:center;font-size:1.3rem;margin-bottom:18px;color:var(--navy-dark);background:linear-gradient(135deg, rgba(110,201,217,.28), rgba(242,210,59,.32))}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.faq{display:grid;gap:16px}
.internal-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.internal-links a{display:block;padding:12px 14px;border-radius:16px;background:#eef5fb;color:#12304d;border:1px solid rgba(15,63,125,.08);font-weight:700}
.form input,.form textarea,.form select{width:100%;padding:14px 14px;margin:0 0 12px;border:1px solid #c9d8e7;border-radius:14px;font:inherit}
.form textarea{min-height:130px;resize:vertical}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.trust-item{background:#fff;padding:16px;border-radius:18px;border:1px solid rgba(15,63,125,.08);box-shadow:0 8px 18px rgba(10,45,91,.06);font-weight:800;text-align:center}
.ribbon{display:inline-block;background:var(--yellow);color:var(--navy-dark);padding:8px 12px;border-radius:999px;font-weight:900;margin-bottom:10px}
.footer{padding:24px 0 56px}
.footer-box{background:#0c2f5f;color:#dce8f7;border-radius:28px;padding:28px;display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:22px}
.footer-box h4{margin:0 0 12px;color:#fff}
.footer-box p,.footer-box a{margin:0 0 10px;color:#dce8f7}
.fineprint{margin-top:18px;text-align:center;font-size:.95rem;color:#5f7590}
@media(max-width:980px){.hero-grid,.cards,.grid-2,.footer-box,.internal-links,.trust-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.hero-grid,.cards,.grid-2,.footer-box,.internal-links,.trust-grid{grid-template-columns:1fr} .hero-grid{padding:38px 22px}}