*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#12315b;--navy2:#1f4a86;--acc:#e8a63a;--ink:#232a33;--muted:#5b6672;--bg:#f6f8fb;--line:#e2e8f0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--navy2);text-decoration:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 8px rgba(0,0,0,.04)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{font-weight:800;color:var(--navy);font-size:1.15rem;letter-spacing:-.2px;display:flex;align-items:center;gap:8px}
.brand .dot{width:12px;height:12px;border-radius:50%;background:var(--acc);display:inline-block}
nav.main{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
nav.main a{color:var(--ink);font-size:.92rem;font-weight:500}
nav.main a:hover{color:var(--navy2)}
.callbtn{background:var(--acc);color:#1a1a1a;font-weight:700;padding:9px 16px;border-radius:8px;white-space:nowrap;font-size:.95rem}
.callbtn:hover{filter:brightness(.96)}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0 56px}
.hero h1{font-size:2.3rem;line-height:1.15;letter-spacing:-.5px;max-width:760px;margin-bottom:14px}
.hero p.lead{font-size:1.18rem;opacity:.94;max-width:660px;margin-bottom:26px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-block;padding:13px 22px;border-radius:9px;font-weight:700;font-size:1.02rem}
.btn-call{background:var(--acc);color:#1a1a1a}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.2)}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:26px;font-size:.92rem;opacity:.92}
.trust span:before{content:"✓ ";color:var(--acc);font-weight:800}
section{padding:52px 0}
section.alt{background:var(--bg)}
h2{font-size:1.7rem;color:var(--navy);letter-spacing:-.3px;margin-bottom:16px}
h3{font-size:1.15rem;color:var(--navy);margin:18px 0 6px}
p{margin-bottom:14px;color:#333}
.lead-stat{background:#fff;border-left:5px solid var(--acc);padding:18px 22px;border-radius:8px;box-shadow:0 2px 12px rgba(0,0,0,.05);font-size:1.08rem;margin:8px 0 4px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:10px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;transition:.15s}
.card:hover{box-shadow:0 6px 20px rgba(0,0,0,.07);transform:translateY(-2px)}
.card h3{margin-top:0}
.card a.more{font-weight:600;font-size:.92rem}
ul.check{list-style:none;margin:8px 0 14px}
ul.check li{padding:5px 0 5px 26px;position:relative}
ul.check li:before{content:"✓";position:absolute;left:0;color:var(--acc);font-weight:800}
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:46px 0}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.9);max-width:620px;margin:0 auto 22px}
.faq h3{border-top:1px solid var(--line);padding-top:16px}
form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;max-width:560px}
label{display:block;font-weight:600;font-size:.9rem;margin:12px 0 4px}
input,select,textarea{width:100%;padding:11px;border:1px solid var(--line);border-radius:8px;font-size:1rem;font-family:inherit}
button.submit{margin-top:18px;background:var(--acc);color:#1a1a1a;border:0;padding:13px 22px;border-radius:9px;font-weight:700;font-size:1.02rem;cursor:pointer;width:100%}
footer{background:#0e2647;color:#c9d6e8;padding:40px 0 28px;font-size:.92rem}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}
footer h4{color:#fff;margin-bottom:10px;font-size:1rem}
footer .fine{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:16px;opacity:.8;font-size:.84rem}
@media(max-width:820px){nav.main{display:none}.hero h1{font-size:1.8rem}}

.hero p.lead{color:#e9effb;opacity:1}.trust{opacity:1;color:#dbe6f5}