:root {
  --ink: #071b33;
  --ink-2: #0c2947;
  --blue: #08749c;
  --blue-2: #0b91bd;
  --blue-soft: #e8f5f9;
  --silver: #a7b0b4;
  --mist: #f4f7f8;
  --line: #dce4e7;
  --white: #ffffff;
  --text: #203548;
  --muted: #5d6f7d;
  --success: #117a65;
  --radius: 18px;
  --shadow: 0 18px 50px rgba(7, 27, 51, .11);
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--text);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }

.skip-link {
  position: fixed;
  left: 16px;
  top: -80px;
  z-index: 1000;
  padding: 10px 16px;
  border-radius: 8px;
  color: var(--white);
  background: var(--ink);
}
.skip-link:focus { top: 16px; }

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin-inline: auto; }
.section { padding: 84px 0; }
.section-sm { padding: 52px 0; }
.surface { background: var(--mist); }
.blue-surface { background: linear-gradient(135deg, #e8f5f9 0%, #f5fafb 68%, #eef2f4 100%); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  color: var(--blue);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 9px; background: var(--blue-2); }
h1, h2, h3 { margin: 0 0 16px; color: var(--ink); line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(2.55rem, 6vw, 5rem); }
h2 { font-size: clamp(2rem, 4vw, 3.15rem); }
h3 { font-size: 1.28rem; }
p { margin: 0 0 18px; }
.lead { max-width: 760px; color: #3b5265; font-size: clamp(1.08rem, 2vw, 1.28rem); }
.center { text-align: center; }
.center .lead { margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(220, 228, 231, .9);
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(14px);
}
.nav-wrap { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--ink); text-decoration: none; min-width: 235px; }
.brand img { width: 82px; height: 51px; object-fit: cover; border-radius: 9px; }
.brand-copy { display: grid; line-height: 1; }
.brand-copy strong { font-size: 1rem; letter-spacing: .06em; text-transform: uppercase; }
.brand-copy span { margin-top: 6px; color: var(--muted); font-size: .67rem; letter-spacing: .13em; text-transform: uppercase; }
.nav { display: flex; align-items: center; gap: 5px; }
.nav a {
  padding: 10px 11px;
  border-radius: 9px;
  color: #294256;
  font-size: .91rem;
  font-weight: 700;
  text-decoration: none;
}
.nav a:hover, .nav a:focus-visible, .nav a[aria-current="page"] { color: var(--blue); background: var(--blue-soft); }
.nav .nav-cta { margin-left: 5px; color: var(--white); background: var(--ink); }
.nav .nav-cta:hover, .nav .nav-cta:focus-visible { color: var(--white); background: var(--blue); }
.nav-toggle { display: none; border: 0; border-radius: 10px; padding: 10px; color: var(--ink); background: var(--mist); cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; margin: 5px 0; background: currentColor; }

.hero { position: relative; overflow: hidden; padding: 88px 0 78px; background: linear-gradient(130deg, #f9fbfc 0%, #eff7f9 53%, #e5f2f6 100%); }
.hero::after {
  content: "";
  position: absolute;
  width: 560px;
  height: 560px;
  right: -240px;
  top: -280px;
  border: 110px solid rgba(8, 116, 156, .08);
  border-radius: 50%;
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.35fr .65fr; align-items: center; gap: 72px; }
.hero h1 span { color: var(--blue); }
.hero .lead { margin-bottom: 30px; }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 20px;
  border: 2px solid transparent;
  border-radius: 11px;
  font-weight: 800;
  text-decoration: none;
  transition: transform .18s ease, background .18s ease, color .18s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: var(--white); background: var(--blue); box-shadow: 0 10px 24px rgba(8,116,156,.22); }
.btn-primary:hover { background: var(--ink); }
.btn-secondary { color: var(--ink); border-color: var(--line); background: var(--white); }
.btn-secondary:hover { color: var(--blue); border-color: var(--blue); }
.btn-light { color: var(--ink); background: var(--white); }
.btn-outline-light { color: var(--white); border-color: rgba(255,255,255,.45); }

.hero-logo-card { position: relative; padding: 24px; border: 1px solid rgba(255,255,255,.9); border-radius: 30px; background: rgba(255,255,255,.82); box-shadow: var(--shadow); transform: rotate(1.5deg); }
.hero-logo-card img { width: 100%; border-radius: 18px; }
.hero-note { position: absolute; right: -20px; bottom: 28px; max-width: 210px; padding: 13px 16px; border-radius: 13px; color: var(--white); background: var(--ink); box-shadow: var(--shadow); font-size: .82rem; font-weight: 800; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 28px; color: #496174; font-size: .9rem; font-weight: 700; }
.trust-row span::before { content: "✓"; margin-right: 7px; color: var(--success); }

.page-hero { padding: 70px 0 60px; color: var(--white); background: linear-gradient(135deg, var(--ink) 0%, #0b3a5a 68%, var(--blue) 140%); }
.page-hero h1, .page-hero h2 { color: var(--white); }
.page-hero .lead { color: #d8e6ed; }
.page-hero .eyebrow { color: #78d2eb; }
.page-hero .eyebrow::before { background: #78d2eb; }
.page-hero-grid { display: grid; grid-template-columns: 1fr .58fr; align-items: center; gap: 64px; }
.page-hero-card { padding: 24px; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius); background: rgba(255,255,255,.07); }
.page-hero-card strong { display: block; margin-bottom: 6px; color: #78d2eb; font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; }

.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.card { height: 100%; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 8px 28px rgba(7,27,51,.055); }
.card:hover { border-color: #b9dce7; box-shadow: var(--shadow); }
.card p:last-child { margin-bottom: 0; }
.icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 20px;
  border-radius: 13px;
  color: var(--white);
  background: linear-gradient(145deg, var(--blue), var(--ink));
  font-size: 1.08rem;
  font-weight: 900;
}
.text-link { color: var(--blue); font-weight: 800; text-decoration-thickness: 2px; text-underline-offset: 3px; }

.split { display: grid; grid-template-columns: .9fr 1.1fr; align-items: start; gap: 70px; }
.panel { padding: 34px; border-radius: var(--radius); color: var(--white); background: linear-gradient(145deg, var(--ink), #0a496a); box-shadow: var(--shadow); }
.panel h2, .panel h3 { color: var(--white); }
.panel p { color: #d9e7ed; }
.stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-top: 24px; }
.stat { padding: 18px; border: 1px solid rgba(255,255,255,.13); border-radius: 13px; background: rgba(255,255,255,.075); }
.stat strong { display: block; color: #7ed2e8; font-size: 1.35rem; }
.stat span { color: #dbe9ef; font-size: .84rem; }

.check-list { display: grid; gap: 14px; margin: 22px 0 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--success); font-weight: 900; }
.step-list { counter-reset: steps; display: grid; gap: 18px; padding: 0; list-style: none; }
.step-list li { position: relative; min-height: 54px; padding-left: 70px; }
.step-list li::before { counter-increment: steps; content: counter(steps); position: absolute; left: 0; top: 0; width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; color: var(--white); background: var(--blue); font-weight: 900; }
.step-list strong { display: block; color: var(--ink); }

.example { padding: 24px; border-left: 4px solid var(--blue); border-radius: 0 14px 14px 0; background: var(--blue-soft); }
.example strong { color: var(--ink); }
.tag-row { display: flex; flex-wrap: wrap; gap: 9px; }
.tag { padding: 6px 10px; border: 1px solid #cbe0e7; border-radius: 999px; color: #31566c; background: #f5fbfc; font-size: .8rem; font-weight: 800; }

.band { padding: 34px 0; color: var(--white); background: var(--blue); }
.band-grid { display: grid; grid-template-columns: 1.4fr repeat(3, .65fr); align-items: center; gap: 24px; }
.band strong { display: block; font-size: 1.25rem; }
.band span { color: #e0f4f9; font-size: .9rem; }

.cta { position: relative; overflow: hidden; padding: 58px; border-radius: 28px; color: var(--white); background: linear-gradient(135deg, var(--ink), #074f70); box-shadow: var(--shadow); }
.cta::after { content: ""; position: absolute; right: -100px; bottom: -130px; width: 350px; height: 350px; border: 70px solid rgba(255,255,255,.055); border-radius: 50%; }
.cta > * { position: relative; z-index: 1; }
.cta h2 { color: var(--white); }
.cta p { max-width: 700px; color: #d9e7ed; }

.faq { display: grid; gap: 12px; }
.faq details { padding: 20px 22px; border: 1px solid var(--line); border-radius: 13px; background: var(--white); }
.faq summary { color: var(--ink); font-weight: 800; cursor: pointer; }
.faq details p { margin: 14px 0 0; color: var(--muted); }

.support-box { padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.notice { padding: 16px 18px; border: 1px solid #f0d99a; border-radius: 12px; color: #694e08; background: #fff9e9; }
.warning { border-color: #e8b8b8; color: #742929; background: #fff3f3; }

.site-footer { padding: 56px 0 24px; color: #cbd8df; background: #051426; }
.footer-grid { display: grid; grid-template-columns: 1.25fr repeat(3, .7fr); gap: 38px; }
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.footer-brand img { width: 90px; height: 56px; object-fit: cover; border-radius: 8px; }
.footer-brand strong { color: var(--white); }
.site-footer h3 { margin-bottom: 14px; color: var(--white); font-size: .95rem; }
.site-footer a { display: block; width: fit-content; margin: 7px 0; color: #cbd8df; text-decoration: none; }
.site-footer a:hover { color: #74d1ea; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 38px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #8ea2ae; font-size: .82rem; }

@media (max-width: 1040px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; top: 82px; left: 0; right: 0; display: none; flex-direction: column; align-items: stretch; padding: 14px 20px 22px; border-bottom: 1px solid var(--line); background: var(--white); box-shadow: 0 20px 30px rgba(7,27,51,.11); }
  .nav[data-open="true"] { display: flex; }
  .nav .nav-cta { margin-left: 0; text-align: center; }
  .hero-grid, .page-hero-grid, .split { grid-template-columns: 1fr; }
  .hero-logo-card { max-width: 480px; margin-inline: auto; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .band-grid, .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--max)); }
  .section { padding: 62px 0; }
  .hero { padding: 58px 0; }
  .hero-grid { gap: 42px; }
  .hero-note { position: static; margin: 14px 0 0 auto; }
  .page-hero { padding: 54px 0; }
  .grid-2, .grid-3, .grid-4, .band-grid, .footer-grid { grid-template-columns: 1fr; }
  .card, .panel, .support-box { padding: 24px; }
  .cta { padding: 34px 24px; }
  .stat-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .brand { min-width: 0; }
  .brand-copy span { display: none; }
  .brand img { width: 68px; height: 42px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}