:root{--navy:#0f2742;--steel:#1f4e79;--accent:#e8a13a;--accent-2:#f3b95a;--ink:#1a2433;--muted:#5b6678;--line:#e2e7ee;--bg:#fff;--bg-soft:#f5f7fa;--maxw:1120px;--radius:10px;--shadow:0 6px 24px rgba(15,39,66,.08)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--ink);line-height:1.65;background:var(--bg)}
a{color:var(--steel);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.22;color:var(--navy);font-weight:700}h1{font-size:2.3rem;margin-bottom:.6rem}h2{font-size:1.7rem;margin-bottom:.8rem}h3{font-size:1.18rem;margin-bottom:.4rem}
p{margin-bottom:1rem}section{padding:62px 0}.lead{font-size:1.15rem;color:var(--muted)}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:13px 22px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;flex-direction:column;line-height:1.1}.brand b{color:var(--navy);font-size:1.12rem}.brand span{color:var(--accent);font-size:.7rem;text-transform:uppercase;letter-spacing:1.5px;font-weight:600}
.nav-links{display:flex;gap:20px;align-items:center}.nav-links a{color:var(--ink);font-weight:500;font-size:.95rem}
.nav-cta{background:var(--accent);color:#1a2433!important;padding:9px 15px;border-radius:8px;font-weight:700}.nav-cta:hover{background:var(--accent-2);text-decoration:none}
.menu-btn{display:none;background:none;border:0;font-size:1.5rem;color:var(--navy);cursor:pointer}
.hero{background:linear-gradient(rgba(15,39,66,.82),rgba(15,39,66,.9));color:#fff;padding:86px 0}.hero h1{color:#fff}.hero .lead{color:#cdd8e6}
.eyebrow{color:var(--accent-2);font-weight:700;text-transform:uppercase;letter-spacing:2px;font-size:.8rem;margin-bottom:13px}
.btn{display:inline-block;background:var(--accent);color:#1a2433;padding:13px 26px;border-radius:8px;font-weight:700;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--accent-2);text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5);margin-left:10px}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.hero-cta{margin-top:24px}.trust{margin-top:30px;display:flex;flex-wrap:wrap;gap:10px 26px;color:#aebed1;font-size:.9rem}.trust span{display:flex;align-items:center;gap:7px}
.grid{display:grid;gap:22px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:var(--shadow)}.card h3{color:var(--steel)}
.soft{background:var(--bg-soft)}.center{text-align:center}.center .lead{max-width:730px;margin:0 auto 8px}
.icon{width:46px;height:46px;border-radius:9px;background:var(--navy);color:var(--accent-2);display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:13px}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:42px;align-items:center}
.stat-row{display:flex;gap:30px;flex-wrap:wrap;margin-top:16px}.stat b{display:block;font-size:1.8rem;color:var(--accent);line-height:1}.stat span{color:var(--muted);font-size:.86rem}
ul.checks{list-style:none;margin:0 0 1rem}ul.checks li{padding:6px 0 6px 28px;position:relative}ul.checks li:before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:800}
.band{background:var(--navy);color:#fff;text-align:center}.band h2{color:#fff}.band p{color:#cdd8e6}
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 18px;margin-bottom:12px}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}.faq p{margin:10px 0 0}
.form{display:grid;gap:13px}.form label{font-weight:600;font-size:.9rem;color:var(--navy)}.form input,.form textarea,.form select{width:100%;padding:12px;border:1px solid var(--line);border-radius:8px;font-family:inherit;font-size:1rem}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:42px}.info-line{display:flex;gap:11px;margin-bottom:13px}.info-line b{color:var(--navy)}
footer{background:var(--navy);color:#aebed1;padding:46px 0 24px;font-size:.92rem}footer h4{color:#fff;margin-bottom:12px;font-size:1rem}footer a{color:#aebed1}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:28px}.foot-bottom{border-top:1px solid #1d3f63;padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:#7e93ab;font-size:.83rem}
.pill{display:inline-block;background:#16365c;color:#cdd8e6;padding:4px 11px;border-radius:30px;font-size:.78rem;margin:3px 4px 3px 0}
@media(max-width:860px){.g3,.g2,.split,.contact-grid,.foot-grid{grid-template-columns:1fr}.nav-links{display:none}.menu-btn{display:block}.nav-links.open{display:flex;flex-direction:column;position:absolute;top:60px;right:0;left:0;background:#fff;padding:16px 22px;border-bottom:1px solid var(--line);gap:14px}h1{font-size:1.8rem}h2{font-size:1.4rem}.hero{padding:58px 0}}