:root{
  --navy:#0d2742; --blue:#1769aa; --sky:#eaf4fb; --orange:#f59e0b;
  --text:#203040; --muted:#667788; --white:#fff; --line:#dce6ee;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
.container{width:min(1180px,92%);margin:auto}
.topbar{background:var(--navy);color:#dce8f2;font-size:14px;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:20px}
.brand{font-size:27px;font-weight:800;color:var(--navy);letter-spacing:.5px}.brand span{color:var(--blue)}
.navlinks{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.navlinks a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:12px 20px;border-radius:8px;font-weight:700}
.btn.alt{background:var(--orange);color:#1d2630}
.hero{background:linear-gradient(120deg,#0d2742 0%,#135586 70%,#1769aa 100%);color:#fff;padding:90px 0 80px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.kicker{color:#ffd27a;text-transform:uppercase;letter-spacing:2px;font-size:13px;font-weight:800}
h1{font-size:clamp(40px,6vw,70px);line-height:1.05;margin:10px 0 20px}
h2{font-size:34px;line-height:1.2;margin:0 0 16px;color:var(--navy)}
h3{color:var(--navy);margin:0 0 8px}
.hero p{font-size:19px;max-width:720px;color:#e6f2fb}
.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);padding:28px;border-radius:18px;backdrop-filter:blur(6px)}
.hero-card strong{display:block;font-size:38px;margin-bottom:4px}
.section{padding:72px 0}
.section.soft{background:var(--sky)}
.section-head{max-width:760px;margin-bottom:30px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:25px;box-shadow:0 8px 26px rgba(13,39,66,.06)}
.card .icon{font-size:28px;margin-bottom:10px}
.card p{color:var(--muted);margin-bottom:0}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{background:var(--navy);color:#fff;border-radius:14px;padding:25px}
.stat b{font-size:34px;display:block}
.cta{background:var(--navy);color:#fff;border-radius:20px;padding:44px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta h2{color:#fff}
.page-hero{padding:62px 0;background:var(--sky);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:48px;color:var(--navy);margin-bottom:10px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.checks{padding-left:20px}.checks li{margin:10px 0}
.form{display:grid;gap:14px}.form input,.form textarea,.form select{width:100%;padding:13px 14px;border:1px solid #cfdbe5;border-radius:8px;font:inherit}.form textarea{min-height:140px}
footer{background:#081a2d;color:#c8d6e3;padding:55px 0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}
footer h3{color:#fff}footer a{display:block;margin:8px 0;color:#c8d6e3}
.copy{border-top:1px solid #294057;margin-top:35px;padding-top:20px;color:#8fa5b8;font-size:13px}
.notice{background:#fff7df;border:1px solid #f1d591;padding:14px 16px;border-radius:9px;margin:18px 0}
@media(max-width:850px){
 .hero-grid,.two-col,.footer-grid{grid-template-columns:1fr}
 .grid{grid-template-columns:1fr 1fr}.stats{grid-template-columns:1fr 1fr}
 .navlinks{display:none}.hero{padding:65px 0}
}
@media(max-width:560px){.grid,.stats{grid-template-columns:1fr}.page-hero h1{font-size:38px}}