:root{
  --navy:#071b33;--blue:#0b4f8a;--sky:#eaf5ff;--gold:#d6aa45;--ink:#172234;
  --muted:#64748b;--white:#fff;--line:#dbe5ef;--green:#16835d;
  --shadow:0 18px 50px rgba(7,27,51,.12);--radius:18px;--max:1180px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{text-decoration:none;color:inherit}img{max-width:100%}.container{width:min(var(--max),92%);margin:auto}
.topbar{background:#041426;color:#dce9f5;font-size:.88rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0;flex-wrap:wrap}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}
.logo-mark{width:48px;height:48px;border-radius:14px;background:linear-gradient(145deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-size:1.15rem;box-shadow:0 8px 20px rgba(11,79,138,.25);position:relative}
.logo-mark:after{content:"";position:absolute;width:15px;height:15px;border-top:3px solid var(--gold);border-right:3px solid var(--gold);right:8px;top:8px}
.brand small{display:block;font-size:.72rem;letter-spacing:.12em;color:var(--blue);font-weight:700}.navlinks{display:flex;align-items:center;gap:24px;font-size:.95rem;font-weight:650}.navlinks a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:13px 20px;font-weight:750;border:1px solid transparent;transition:.2s;cursor:pointer}
.btn-primary{background:var(--gold);color:#10233a}.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(214,170,69,.3)}
.btn-dark{background:var(--navy);color:#fff}.btn-outline{border-color:#b9c7d6;color:var(--navy);background:#fff}
.menu-btn{display:none;background:none;border:0;font-size:1.5rem}
.hero{background:radial-gradient(circle at 82% 24%,rgba(60,154,220,.25),transparent 28%),linear-gradient(125deg,#06172d,#0a3157 72%,#0c4c80);color:#fff;padding:95px 0 78px;overflow:hidden;position:relative}
.hero:after{content:"";position:absolute;right:-120px;bottom:-160px;width:460px;height:460px;border:1px solid rgba(255,255,255,.12);border-radius:50%;box-shadow:0 0 0 55px rgba(255,255,255,.035),0 0 0 110px rgba(255,255,255,.025)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:65px;align-items:center;position:relative;z-index:2}.eyebrow{color:#f2c96b;font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.82rem}
h1{font-size:clamp(2.6rem,5.7vw,5.4rem);line-height:1.01;letter-spacing:-.045em;margin:14px 0 22px;max-width:850px}h2{font-size:clamp(2rem,3.5vw,3.4rem);line-height:1.08;letter-spacing:-.035em;margin:8px 0 18px}h3{line-height:1.25}
.hero p{font-size:1.15rem;color:#dbe8f5;max-width:720px}.hero-actions{display:flex;gap:14px;margin:30px 0;flex-wrap:wrap}.hero .btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;color:#dce9f5;font-size:.93rem}.trust-row span:before{content:"✓";color:#f2c96b;margin-right:8px;font-weight:900}
.hero-card{background:rgba(255,255,255,.97);color:var(--ink);padding:30px;border-radius:22px;box-shadow:0 25px 70px rgba(0,0,0,.25)}
.hero-card h3{margin-top:0;color:var(--navy)}.mini-form{display:grid;gap:13px}.mini-form input,.mini-form select,.mini-form textarea,.form input,.form select,.form textarea{width:100%;padding:14px 15px;border:1px solid #cbd8e5;border-radius:9px;background:#fff;font:inherit}.mini-form input:focus,.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid #8cc4ef;border-color:transparent}
.disclaimer{font-size:.75rem;color:#738196;line-height:1.45}
.stats{margin-top:-25px;position:relative;z-index:3}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:18px;box-shadow:var(--shadow);overflow:hidden}.stat{padding:28px;text-align:center;border-right:1px solid var(--line)}.stat:last-child{border:0}.stat strong{display:block;color:var(--blue);font-size:1.85rem}.stat span{color:var(--muted);font-size:.9rem}
section{padding:88px 0}.section-head{max-width:760px;margin-bottom:42px}.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;box-shadow:0 8px 30px rgba(7,27,51,.06);transition:.2s}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.icon{width:52px;height:52px;border-radius:13px;background:var(--sky);display:grid;place-items:center;font-size:1.45rem;margin-bottom:20px}.card h3{color:var(--navy);margin:8px 0}.card p{color:var(--muted)}
.alt{background:#f6f9fc}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.visual{min-height:480px;border-radius:24px;background:linear-gradient(155deg,#0a3157,#0b5d99);padding:36px;color:#fff;position:relative;overflow:hidden;box-shadow:var(--shadow)}.visual:before{content:"";position:absolute;inset:auto -80px -100px auto;width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.08)}.visual-panel{position:relative;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:24px;margin-top:90px;backdrop-filter:blur(8px)}
.checks{display:grid;gap:13px;margin:25px 0}.checks div{display:flex;gap:12px}.checks div:before{content:"✓";width:25px;height:25px;border-radius:50%;background:#e7f8f1;color:var(--green);display:grid;place-items:center;flex:0 0 25px;font-weight:900}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{position:relative;padding:26px 22px;border-top:4px solid var(--gold);background:#fff;border-radius:0 0 14px 14px;box-shadow:0 8px 25px rgba(7,27,51,.06)}.step b{font-size:2rem;color:#d7e2ec;display:block}.step h3{color:var(--navy)}
.cta{padding:70px 0;background:linear-gradient(115deg,#06172d,#0b4f8a);color:#fff}.cta .container{display:flex;align-items:center;justify-content:space-between;gap:32px}.cta h2{margin:0}.cta p{color:#d8e6f2;margin-bottom:0}
.page-hero{padding:72px 0;background:linear-gradient(125deg,#06172d,#0a3b68);color:#fff}.page-hero h1{font-size:clamp(2.4rem,4vw,4rem);margin-bottom:12px}.page-hero p{max-width:700px;color:#dbe8f5}
.form-wrap{display:grid;grid-template-columns:.7fr 1.3fr;gap:40px}.form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full{grid-column:1/-1}.form label{font-size:.85rem;font-weight:700;color:var(--navy);display:block;margin-bottom:6px}
.notice{padding:16px;border-radius:10px;background:#fff8e8;border:1px solid #f0d58f;font-size:.9rem}
footer{background:#041426;color:#c8d6e5;padding:60px 0 20px}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr 1fr;gap:42px}.footer-grid h4{color:#fff}.footer-grid a{display:block;margin:9px 0;color:#c8d6e5}.footer-grid a:hover{color:#fff}.copyright{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;font-size:.84rem;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
.badge{display:inline-block;padding:7px 11px;border-radius:999px;background:#eaf5ff;color:#0b4f8a;font-size:.8rem;font-weight:800}
@media(max-width:900px){.navlinks{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;padding:22px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu-btn{display:block}.hero-grid,.split,.form-wrap{grid-template-columns:1fr}.hero{padding-top:65px}.hero-card{max-width:620px}.grid-3{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.grid-3,.stats-grid,.steps,.form-grid,.footer-grid{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.cta .container{display:block}.cta .btn{margin-top:20px}.topbar .container span:last-child{display:none}.brand-name{font-size:.85rem}section{padding:65px 0}}