:root{--navy:#0d2d4e;--navy2:#123f6b;--ink:#16222e;--muted:#51616f;--orange:#f26522;--orange2:#ff8a3d;--bg:#fff;--soft:#f4f7fa;--line:#e2e9f0;--radius:14px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy2)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em;color:inherit}
section{padding:56px 0}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:10px}
.h2{font-size:clamp(26px,4.5vw,36px);font-weight:800;margin-bottom:14px}
.lede{color:var(--muted);font-size:17px;max-width:680px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:14px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:17px;text-decoration:none;color:var(--navy)}
.brand svg{flex:none}
.brand small{display:block;font-size:11px;font-weight:600;color:var(--muted);letter-spacing:.04em}
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:15px}
.nav a:hover,.nav a[aria-current]{color:var(--orange)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;text-decoration:none;border-radius:999px;cursor:pointer;border:none;transition:transform .08s ease,box-shadow .08s ease}
.btn:active{transform:scale(.98)}
.btn-call{background:linear-gradient(180deg,var(--orange2),var(--orange));color:#fff;box-shadow:0 6px 16px rgba(242,101,34,.35)}
.btn-call:hover{box-shadow:0 8px 20px rgba(242,101,34,.45)}
.header-call{padding:10px 18px;font-size:15px}
.menu{display:none;position:relative}
.menu summary{list-style:none;cursor:pointer;font-weight:700;font-size:15px;padding:8px 12px;border:1px solid var(--line);border-radius:10px;color:var(--navy)}
.menu summary::-webkit-details-marker{display:none}
.menu-panel{position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 30px rgba(13,45,78,.15);padding:10px;min-width:240px;display:grid}
.menu-panel a{padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:8px}
.menu-panel a:hover{background:var(--soft)}
.hero{position:relative;color:#fff;overflow:hidden;background:linear-gradient(120deg,#0a2540 0%,var(--navy2) 100%)}
.hero-bg{position:absolute;inset:0;background-position:center;background-size:cover;background-repeat:no-repeat}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,32,56,.94) 8%,rgba(9,32,56,.80) 48%,rgba(9,32,56,.45) 100%)}
.hero-in{position:relative;padding-top:72px;padding-bottom:76px}
.hero.big .hero-in{padding-top:88px;padding-bottom:92px}
.crumbs{font-size:13.5px;color:#b9cbdc;margin-bottom:14px}
.crumbs a{color:#d7e3ee;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.hero h1{font-size:clamp(30px,5.6vw,50px);font-weight:850;max-width:760px;margin-bottom:16px}
.hero h1 .accent{color:var(--orange2)}
.hero .lede{color:#d7e3ee;font-size:18px;margin-bottom:26px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.btn-hero{padding:16px 28px;font-size:18px}
.btn-ghost{padding:15px 24px;font-size:16px;border:2px solid rgba(255,255,255,.55);color:#fff;border-radius:999px;text-decoration:none;font-weight:700}
.btn-ghost:hover{border-color:#fff}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none;margin-top:26px}
.trust li{display:flex;align-items:center;gap:8px;font-size:14.5px;font-weight:600;color:#eaf1f7}
.trust svg{color:var(--orange2);flex:none}
.strip{background:var(--navy);color:#fff}
.strip-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;padding-top:18px;padding-bottom:18px}
.strip strong{font-size:17px}
.strip span{color:#b9cbdc;font-size:14.5px}
.strip .btn{padding:11px 22px;font-size:15px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:box-shadow .15s ease,transform .15s ease;display:block;text-decoration:none;color:var(--ink)}
a.card:hover{box-shadow:0 10px 28px rgba(13,45,78,.10);transform:translateY(-2px)}
.card h3{font-size:18px;font-weight:750;margin-bottom:8px;color:var(--navy)}
.card p{color:var(--muted);font-size:15px}
.card .more{display:inline-block;margin-top:12px;font-weight:700;font-size:14.5px;color:var(--orange)}
.group-title{font-size:20px;font-weight:800;color:var(--navy);margin-top:40px}
.soft{background:var(--soft)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:17px;margin-bottom:14px}
.step h3{font-size:17px;font-weight:750;margin-bottom:8px}
.step p{color:var(--muted);font-size:15px}
.cols{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:start}
.prose h2{font-size:clamp(22px,3.4vw,28px);font-weight:800;margin:34px 0 12px;color:var(--navy)}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:18px;font-weight:750;margin:22px 0 8px}
.prose p{margin-bottom:14px;font-size:16.5px;color:#26343f}
.prose ul{margin:0 0 16px 0;list-style:none;display:grid;gap:9px}
.prose li{display:flex;gap:10px;font-size:16px;color:#26343f}
.prose li svg{color:var(--orange);flex:none;margin-top:5px}
.aside{position:sticky;top:84px;display:grid;gap:16px}
.box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px}
.box h3{font-size:19px;margin-bottom:10px}
.box p{color:#c6d6e4;font-size:15px;margin-bottom:16px}
.box .btn{width:100%;padding:14px 18px;font-size:16.5px}
.box.light{background:var(--soft);color:var(--ink);border:1px solid var(--line)}
.box.light h3{color:var(--navy)}
.box.light ul{list-style:none;display:grid;gap:8px}
.box.light a{text-decoration:none;font-weight:600;font-size:15px}
.box.light a:hover{text-decoration:underline}
.note{background:#fff7f1;border:1px solid #ffd9c2;border-radius:12px;padding:16px 18px;font-size:15px;color:#4a3526;margin:18px 0}
.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:20px}
.chip{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:8px 15px;font-size:14px;font-weight:650;color:var(--navy2);text-decoration:none}
a.chip:hover{border-color:var(--orange);color:var(--orange)}
.faq-list{margin-top:26px;display:grid;gap:12px;max-width:820px}
details.q{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px}
details.q summary{font-weight:700;font-size:16.5px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
details.q summary::-webkit-details-marker{display:none}
details.q summary::after{content:"+";font-size:22px;font-weight:400;color:var(--orange);flex:none;transition:transform .15s ease}
details.q[open] summary::after{transform:rotate(45deg)}
details.q p{margin-top:12px;color:var(--muted);font-size:15.5px}
.final{background:linear-gradient(120deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;text-align:center}
.final h2{font-size:clamp(26px,4.5vw,36px);font-weight:800;margin-bottom:12px}
.final p{color:#c6d6e4;max-width:580px;margin:0 auto 26px}
.final .btn-hero{font-size:19px;padding:18px 34px}
footer{background:#0a2238;color:#8fa5b8;font-size:14px;padding:44px 0 40px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px;margin-bottom:28px}
footer h4{color:#e3ecf4;font-size:14px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:12px}
footer ul{list-style:none;display:grid;gap:7px}
footer a{color:#c6d6e4;text-decoration:none}
footer a:hover{text-decoration:underline}
.disclosure{border-top:1px solid #1d3a55;padding-top:20px;display:grid;gap:8px;font-size:13px}
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:linear-gradient(180deg,var(--orange2),var(--orange));box-shadow:0 -4px 18px rgba(0,0,0,.25)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:10px;color:#fff;font-weight:800;font-size:17.5px;text-decoration:none;padding:16px}
.callbar .pulse{width:10px;height:10px;border-radius:50%;background:#fff;animation:pulse 1.6s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(255,255,255,.55)}70%{box-shadow:0 0 0 10px rgba(255,255,255,0)}100%{box-shadow:0 0 0 0 rgba(255,255,255,0)}}
@media(max-width:960px){.nav{display:none}.menu{display:block}}
@media(max-width:860px){.grid,.steps{grid-template-columns:1fr 1fr}.cols{grid-template-columns:1fr}.aside{position:static}.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){section{padding:44px 0}.grid,.grid.two,.steps{grid-template-columns:1fr}.hero-in,.hero.big .hero-in{padding-top:52px;padding-bottom:60px}.header-call .numtxt{display:none}.header-call{padding:10px 14px}.callbar{display:block}footer{padding-bottom:110px}.foot-grid{grid-template-columns:1fr}.brand{font-size:15.5px}}