:root{
  --navy:#0B3C5D;
  --sky:#2FA7E1;
  --orange:#F57C00;
  --ink:#26343d;
  --gray:#5b6770;
  --light:#f5f8fa;
  --white:#ffffff;
  --border:#dbe4ea;
  --shadow:0 12px 32px rgba(11,60,93,.10);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Open Sans",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:var(--navy)}
img{max-width:100%;height:auto}
.container{width:min(1120px,calc(100% - 36px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);border-bottom:1px solid var(--border);backdrop-filter:blur(12px)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:800}
.brand img{width:62px;height:62px;object-fit:contain}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text small{font-size:.78rem;color:var(--gray);font-weight:600;margin-top:4px}
.nav-links{display:flex;gap:22px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.nav-links a{text-decoration:none;font-weight:700;font-size:.94rem}
.nav-links a:hover{color:var(--sky)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:13px 18px;border-radius:12px;text-decoration:none;font-weight:800;border:1px solid transparent;transition:.15s ease}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 8px 20px rgba(245,124,0,.20)}
.btn-primary:hover{filter:brightness(.96);transform:translateY(-1px)}
.btn-secondary{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-secondary:hover{background:#eef6fb}
.hero{background:linear-gradient(135deg,#f8fbfd 0%,#eaf6fc 58%,#fff4e8 100%);border-bottom:1px solid var(--border)}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:center;padding:82px 0}
.eyebrow{display:inline-block;color:var(--navy);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;background:#e8f5fb;border:1px solid #cfeaf7;padding:7px 10px;border-radius:999px}
h1,h2,h3{font-family:"Montserrat",Arial,sans-serif;color:var(--navy);line-height:1.15;margin-top:0}
h1{font-size:clamp(2.3rem,5vw,4.25rem);margin:18px 0 20px;letter-spacing:-.035em}
h2{font-size:clamp(1.8rem,3vw,2.7rem);margin-bottom:14px}
h3{font-size:1.24rem;margin-bottom:8px}
.lead{font-size:1.15rem;color:#465762;max-width:720px;margin:0 0 28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:24px}
.trust-row{display:flex;gap:16px 24px;flex-wrap:wrap;color:#41515b;font-weight:700;font-size:.92rem}
.trust-row span:before{content:"✓";color:var(--orange);font-weight:900;margin-right:7px}
.hero-card{background:#fff;border:1px solid var(--border);border-radius:24px;padding:30px;box-shadow:var(--shadow);text-align:center}
.hero-card img{width:min(280px,100%);margin:0 auto 18px;display:block}
.hero-card p{margin:0;color:var(--gray);font-weight:700}
.section{padding:78px 0}
.section-alt{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head p{color:var(--gray);font-size:1.05rem;margin:0}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:0 6px 18px rgba(11,60,93,.05)}
.icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:#eaf6fc;color:var(--navy);font-size:1.35rem;font-weight:900;margin-bottom:18px}
.card p{margin:0;color:var(--gray)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start}
.feature-list{display:grid;gap:14px;margin:22px 0 0;padding:0;list-style:none}
.feature-list li{background:#fff;border:1px solid var(--border);border-radius:14px;padding:15px 17px}
.feature-list strong{color:var(--navy)}
.notice{border-left:5px solid var(--orange);background:#fff7ee;padding:16px 18px;border-radius:0 12px 12px 0;color:#4e4e4e}
.contact-box{background:var(--navy);color:#fff;border-radius:24px;padding:34px;box-shadow:var(--shadow)}
.contact-box h2,.contact-box h3{color:#fff}
.contact-box a{color:#fff}
.contact-item{padding:16px 0;border-bottom:1px solid rgba(255,255,255,.18)}
.contact-item:last-child{border-bottom:0}
.contact-label{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;opacity:.78;margin-bottom:4px}
.contact-value{font-size:1.15rem;font-weight:800;text-decoration:none}
.cta-band{padding:0 0 78px}
.cta-inner{background:linear-gradient(120deg,var(--navy),#0c527c);border-radius:24px;padding:38px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:28px}
.cta-inner h2{color:#fff;margin-bottom:8px}
.cta-inner p{margin:0;opacity:.88}
.site-footer{background:#072c44;color:#dce8ef;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer a{color:#dce8ef;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footer-links{display:grid;gap:9px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:20px;font-size:.86rem;color:#adc2cf}
.legal-hero{background:var(--light);border-bottom:1px solid var(--border);padding:58px 0}
.legal{max-width:850px;padding:52px 0 80px}
.legal h2{font-size:1.45rem;margin-top:38px}
.legal h3{font-size:1.1rem;margin-top:28px}
.legal p,.legal li{color:#44545e}
.legal .draft-warning{background:#fff3cd;border:1px solid #ffe69c;color:#664d03;padding:16px;border-radius:12px;margin-bottom:28px}
.legal table{width:100%;border-collapse:collapse;margin:18px 0}
.legal th,.legal td{border:1px solid var(--border);padding:10px;text-align:left;vertical-align:top}
.legal th{background:#f1f6f9;color:var(--navy)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:900px){.hero-grid,.two-col{grid-template-columns:1fr}.hero-grid{gap:28px;padding:62px 0}.hero-card{max-width:520px}.cards{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.nav-links a:not(.btn){display:none}}
@media(max-width:620px){.container{width:min(100% - 26px,1120px)}.brand-text span{font-size:.9rem}.brand-text small{font-size:.7rem}.nav{min-height:70px}.brand img{width:52px;height:52px}.btn{width:100%}.nav .btn{width:auto;padding:11px 13px;font-size:.84rem}.cards{grid-template-columns:1fr}.section{padding:58px 0}.cta-inner{padding:28px;display:block}.cta-inner .btn{margin-top:20px}.footer-grid{grid-template-columns:1fr}.hero-actions{display:grid}.trust-row{display:grid;gap:7px}.legal-hero{padding:42px 0}}