:root{--navy:#102237;--deep:#0b192b;--ink:#14293e;--muted:#526d83;--blue:#058bc2;--cyan:#14bce8;--light:#edf6fb;--line:#cddfeb;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:white;color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;line-height:1.62;font-size:16px}
a{color:inherit;text-decoration:none}
a:hover{color:#007da9}
img{max-width:100%}
.wrap{width:min(1200px,calc(100% - 64px));margin:auto}
.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:50;box-shadow:0 5px 18px #10223713}
.header-row{height:88px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.brand{display:block;width:255px;flex-shrink:0}
.brand img{width:100%;height:62px;object-fit:contain;object-position:left center}
.nav{display:flex;align-items:center;gap:29px;font-size:14px;font-weight:600}
.nav a:hover,.nav .active{color:#62d6f7}
.nav .contact-btn{border:1px solid #64cce9;border-radius:8px;padding:10px 17px}
.menu-toggle{display:none;border:1px solid #668299;background:transparent;color:#fff;border-radius:7px;padding:9px 13px;font-size:22px;cursor:pointer}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{letter-spacing:-.045em;line-height:1.11}
h1{font-size:clamp(45px,5.4vw,76px);font-weight:800}
h2{font-size:clamp(32px,3.4vw,49px);font-weight:800}
h3{font-size:24px;font-weight:750}
.eyebrow{color:var(--blue);text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:800;margin-bottom:19px}
.lead{font-size:clamp(18px,1.55vw,22px);line-height:1.6;color:#36536d}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:8px;padding:14px 21px;font-weight:800;font-size:14px;background:var(--cyan);color:#073147;border:1px solid var(--cyan);transition:transform .2s,background .2s}
.btn:hover{transform:translateY(-2px);background:#5bd6f3;color:#073147}
.btn-outline{background:transparent;color:var(--navy);border-color:#7894a9}
.btn-outline:hover{background:#e8f5fb}
.btn-dark{background:var(--navy);border-color:var(--navy);color:white}
.btn-dark:hover{color:white;background:#1a3954}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero{min-height:660px;background:linear-gradient(90deg,#fff 0%,#f2faff 48%,#e7f5fc 100%);position:relative;overflow:hidden}
.hero-art{position:absolute;right:0;top:0;width:70%;height:100%;object-fit:cover;object-position:right center}
.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,white 0%,#fffffffa 26%,#ffffffdf 42%,#ffffff70 56%,transparent 78%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:flex;align-items:center;min-height:660px}
.hero-copy{max-width:590px;padding:72px 0}
.hero h1 span,.accent{color:var(--blue)}
.hero .lead{max-width:560px}
.micro{display:flex;gap:20px;flex-wrap:wrap;margin-top:44px;font-size:12px;font-weight:750;color:#375974}
.micro span:before{content:'✦';color:var(--blue);margin-right:7px}
.section{padding:106px 0}
.section-light{background:var(--light)}
.section-dark{background:var(--navy);color:white}
.section-dark .muted,.section-dark .lead{color:#d0e2ee}
.section-head{max-width:780px;margin-bottom:42px}
.section-head h2{margin-bottom:19px}
.section-head .lead{margin-bottom:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}
.stat-panel{padding:44px;background:linear-gradient(150deg,#153b58,#102237);color:white;border-radius:22px;min-height:395px;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden}
.stat-panel:before{content:'';position:absolute;width:340px;height:340px;border:1px solid #ffffff2b;border-radius:50%;right:-90px;top:-120px;box-shadow:0 0 0 55px #17b9df0d,0 0 0 115px #17b9df0b}
.stat-panel strong{font-size:56px;line-height:1;letter-spacing:-.05em;position:relative}
.stat-panel p{position:relative;max-width:360px;color:#d8edf7}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.card{padding:34px;background:white;border:1px solid #d7e6ef;border-radius:16px;box-shadow:0 10px 32px #0d3b5e07;transition:transform .2s}
.card:hover{transform:translateY(-3px)}
.card .num{font-size:12px;font-weight:800;color:var(--blue);letter-spacing:.14em}
.card h3{margin:18px 0 14px}
.card p{color:#526e83;font-size:15px}
.text-link{color:#006f9c;font-weight:800;font-size:14px}
.text-link:hover{text-decoration:underline}
.benefit-list{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.benefit{padding:28px 24px;border-top:3px solid var(--cyan);background:#fff;border-radius:0 0 14px 14px;box-shadow:0 8px 22px #1022370b}
.benefit h3{font-size:21px}
.benefit p{font-size:15px;color:#557085}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{border-top:1px solid #a9c5d6;padding-top:23px}
.step-num{font-weight:800;color:var(--blue);font-size:13px;letter-spacing:.12em}
.step h3{font-size:21px;margin-top:17px}
.step p{color:var(--muted);font-size:15px}
.note{background:#eaf5fb;border-left:3px solid var(--blue);padding:19px 25px;color:#3c5e76;border-radius:0 9px 9px 0}
.cta-block{padding:62px;border-radius:23px;background:linear-gradient(125deg,#102237,#1a4461);color:white;display:flex;gap:35px;justify-content:space-between;align-items:center}
.cta-block h2{max-width:730px;margin:0 0 13px}
.cta-block p{color:#cddfeb;max-width:660px;margin:0}
.cta-block .btn{flex-shrink:0}
.footer{background:#102237;color:#d0e2ee;padding:60px 0 40px}
.footer-row{display:flex;justify-content:space-between;gap:35px;align-items:start}
.footer-logo{width:225px;height:60px;object-fit:contain;object-position:left center}
.footer p{font-size:13px}
.footer-nav{display:flex;gap:22px;flex-wrap:wrap;font-size:13px}
.footer a:hover{color:#7cdbf6}
.copyright{border-top:1px solid #ffffff24;margin-top:32px;padding-top:20px;font-size:12px;color:#adc5d6}
.page-hero{padding:93px 0 82px;background:linear-gradient(125deg,#eff8fd,#fff 65%);border-bottom:1px solid #e0ecf3}
.page-hero .wrap{max-width:1200px}
.page-hero h1{max-width:950px;font-size:clamp(43px,5.3vw,72px)}
.page-hero .lead{max-width:780px}
.wide-copy{max-width:850px}
.wide-copy p{font-size:18px;color:#425d72}
.wide-copy strong{color:#102b44}
.detail{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
.detail p{color:#476277}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.checks li{position:relative;padding-left:30px;color:#36566d}
.checks li:before{content:'✓';position:absolute;left:0;color:#008cbb;font-weight:800}
.mini-card{background:#f1f8fc;border:1px solid #d6e9f3;border-radius:16px;padding:35px}
.mini-card h3{font-size:23px}
.mini-card p{color:#4e6b80}
.quote{font-size:clamp(26px,3vw,38px);font-weight:800;letter-spacing:-.035em;line-height:1.3;color:var(--navy)}
.pill{display:inline-block;padding:7px 12px;background:#e3f4fa;color:#006e9b;border-radius:30px;font-weight:700;font-size:12px;margin:0 7px 9px 0}
.faq details{border-top:1px solid var(--line);padding:18px 0}
.faq summary{font-size:18px;font-weight:750;cursor:pointer}
.faq details p{color:#526c82;margin:14px 0 0}
.philo-row{display:grid;grid-template-columns:60px minmax(0,1fr) minmax(0,1.2fr);gap:28px;border-top:1px solid #bdd1df;padding:38px 0}
.philo-row h3{font-size:29px}
.philo-row p{color:#476277}
.philo-index{color:var(--blue);font-weight:800}
.contact-strip{background:#e9f5fb;padding:30px 0}
.contact-strip .wrap{display:flex;justify-content:space-between;gap:20px;align-items:center}
.contact-strip a{font-weight:800;color:#006b94}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #02a7dc;outline-offset:4px}
@media(max-width:930px){.hero-art{width:100%;opacity:.42}
.hero:after{background:linear-gradient(90deg,#fffffff7 0%,#ffffffd9 60%,#ffffff5e)}
.split,.detail{gap:35px}
.benefit-list,.steps{grid-template-columns:repeat(2,1fr)}
.nav{gap:16px}
.brand{width:205px}
}
@media(max-width:720px){.wrap{width:min(100% - 36px,1200px)}
.header-row{height:76px}
.brand{width:205px}
.menu-toggle{display:block}
.nav{display:none;position:absolute;left:0;right:0;top:76px;background:var(--navy);flex-direction:column;align-items:stretch;padding:20px 22px 28px;box-shadow:0 15px 28px #10223744}
.nav.open{display:flex}
.nav a{padding:7px}
.hero,.hero .wrap{min-height:620px}
.hero-copy{padding:65px 0}
.hero-art{object-position:65% center;opacity:.32}
.hero:after{background:#ffffffe3}
.section{padding:70px 0}
.split,.detail,.grid,.steps,.benefit-list{grid-template-columns:1fr}
.philo-row{grid-template-columns:35px 1fr;gap:15px}
.philo-row p{grid-column:2}
.cta-block{padding:34px;display:block}
.cta-block .btn{margin-top:23px}
.footer-row,.contact-strip .wrap{flex-direction:column}
.micro{gap:10px}
.stat-panel{min-height:320px}
.page-hero{padding:65px 0}
.actions{gap:8px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}
*{transition:none!important}
}

.steps-three{grid-template-columns:repeat(3,1fr)}
@media(max-width:720px){.steps-three{grid-template-columns:1fr}
}
.hi-icon{display:inline-flex;flex:0 0 auto;vertical-align:middle;justify-content:center;align-items:center;width:40px;height:40px;border-radius:12px;background:#e4f6ff;border:1px solid #b8e5f7;color:#048fc4}
.hi-icon svg{width:23px;height:23px}
.num,.step-num{display:flex!important;gap:12px;align-items:center!important;letter-spacing:.06em}
.brand img{display:block;width:auto!important;max-width:min(290px,65vw)!important;height:auto!important;max-height:51px!important;object-fit:contain!important}
.footer-logo{width:auto!important;height:auto!important;max-width:260px!important;max-height:50px!important;object-fit:contain!important}
.legal h2{font-size:clamp(24px,2.4vw,30px);margin:46px 0 14px}
.legal h2:first-child{margin-top:0}
.legal ul.checks{margin:0 0 18px}
.copyright a{text-decoration:underline}
.contact-layout{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr)}
.contact-form{display:grid;gap:20px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{display:grid;gap:7px}
.field label{font-size:14px;font-weight:700;color:var(--navy)}
.field input,.field select,.field textarea{font:inherit;font-size:16px;color:var(--ink);background:#fff;border:1px solid #b9d0df;border-radius:8px;padding:12px 14px;width:100%}
.field textarea{resize:vertical;min-height:150px}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid #02a7dc55;border-color:var(--blue)}
.field [aria-invalid="true"]{border-color:#c0392b}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:#476277}
.consent input{margin-top:4px;width:18px;height:18px;flex-shrink:0;accent-color:var(--blue)}
.contact-form .btn{justify-self:start;cursor:pointer;font-family:inherit}
.contact-form .btn[disabled]{opacity:.6;cursor:wait;transform:none}
.form-status{margin:0;font-weight:700;min-height:1.6em}
.form-status.ok{color:#0b7a4b}
.form-status.err{color:#c0392b}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
@media(max-width:720px){.contact-layout,.field-row{grid-template-columns:1fr}}