:root{--navy:#10486C;--navy2:#0B3350;--blue:#175681;--teal:#44B4B8;--teal-d:#1E8C9E;--orange:#EC8C3C;--orange-d:#D4741F;--gold:#D8A86C;--ice:#EAF4FB;--ice2:#DEF2FD;--line:#D3E6F3;--ink:#1F2933;--gray:#5B6B7A;--grad:linear-gradient(120deg,#10486C 0%,#175681 45%,#44B4B8 100%)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font:16px/1.65 Inter,system-ui,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{font-family:Montserrat,Poppins,system-ui,sans-serif;letter-spacing:-.01em;color:var(--navy);line-height:1.15}
h1{font-size:clamp(2.3rem,6vw,4.2rem)}h1 em{font-style:normal;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
h2{font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:1.2rem}h3{font-size:1.2rem;margin-bottom:.4rem}
p{margin-bottom:.9rem}a{color:var(--blue)}sup{font-size:.6em}
.wrap{max-width:1120px;margin:auto;padding:0 1.4rem}section{padding:5.5rem 0}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--teal-d)}
.nav{position:sticky;top:0;z-index:9;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.navin{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;gap:.55rem;align-items:center;text-decoration:none;font:800 1.4rem Montserrat,sans-serif;color:var(--navy)}.logo img{display:block}.logo.light{color:#fff}
nav{display:flex;gap:1.6rem;align-items:center}nav a{color:var(--navy);text-decoration:none;font-weight:500}
.menu{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}
.btn{display:inline-block;background:var(--orange);color:#fff!important;padding:.85rem 1.5rem;border-radius:999px;text-decoration:none;font-weight:600;border:2px solid var(--orange);box-shadow:0 6px 18px rgba(236,140,60,.28);cursor:pointer;font-size:1rem}
.btn:hover{background:var(--orange-d);border-color:var(--orange-d)}.btn.ghost{background:none;color:var(--navy)!important;border-color:var(--navy);box-shadow:none}.btn.sm{padding:.45rem 1.1rem}
.hero{padding:6.5rem 0 5.5rem;background:radial-gradient(circle at 85% 20%,rgba(68,180,184,.28),transparent 40%),radial-gradient(circle at 10% 90%,rgba(23,86,129,.16),transparent 45%),linear-gradient(rgba(16,72,108,.05) 1px,transparent 1px) 0 0/32px 32px,linear-gradient(90deg,rgba(16,72,108,.05) 1px,transparent 1px) 0 0/32px 32px,linear-gradient(180deg,#fff,var(--ice))}
.lead{font-size:1.2rem;max-width:620px;margin:1.3rem 0 2rem}.ctas{display:flex;gap:1rem;flex-wrap:wrap}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:.6rem;margin-top:2.5rem}.chips li{background:#fff;border:1px solid var(--line);padding:.4rem .9rem;border-radius:999px;font-size:.9rem;color:var(--navy)}
.two{display:grid;grid-template-columns:1fr 1.3fr;gap:3rem}
.cardmini{background:var(--ice);border-left:4px solid var(--orange);padding:1rem 1.2rem;border-radius:8px}
.alt{background:var(--ice)}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.4rem}
.card{background:#fff;border-top:4px solid transparent;border-radius:18px;padding:1.8rem;border:1px solid var(--line);transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(16,72,108,.14)}
.ic{font-size:2rem;display:block;margin-bottom:.6rem}
.steps{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.4rem}
.steps b{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--grad);color:#fff;font:700 1.2rem Montserrat,sans-serif;margin-bottom:.8rem}
.dark{background:radial-gradient(circle at 90% 10%,rgba(68,180,184,.3),transparent 45%),var(--grad);color:#E3F1F9}.dark h2,.dark h3{color:#fff}.dark .eyebrow{color:var(--orange)}
.why{border-top:3px solid var(--orange);padding-top:1rem}
.quote{margin-top:3rem;font:600 1.4rem Montserrat,sans-serif;color:#fff;text-align:center}.quote cite{display:block;font:400 .95rem Inter;color:#FFD1A3;margin-top:.5rem}
.info{list-style:none;line-height:2.1}
.form{background:#fff;padding:2rem;border-radius:18px;box-shadow:0 10px 30px rgba(16,72,108,.1);display:grid;gap:1rem}
.form label{display:grid;gap:.3rem;font-weight:500;color:var(--navy);font-size:.92rem}
.form input,.form select,.form textarea{font:inherit;padding:.7rem .9rem;border:1px solid var(--line);border-radius:10px;background:var(--ice)}.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--teal);border-color:var(--teal)}
.form small{color:var(--gray)}
footer{background:var(--navy2);color:#C3D6E4;padding:3rem 0;font-size:.92rem}footer a{color:var(--orange)}
.foot{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
@media(max-width:760px){.menu{display:block}nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:1.2rem;border-bottom:1px solid var(--line)}
.open nav{display:flex}.two,.foot{grid-template-columns:1fr}section{padding:4rem 0}}

.legal{padding:4rem 0;background:linear-gradient(180deg,var(--ice),#fff 320px)}.legal .wrap{max-width:780px}.legal h1{font-size:2.2rem;margin-bottom:.5rem}.legal h2{font-size:1.3rem;margin-top:2rem}.legal ul{padding-left:1.2rem}.legal li{margin:.3rem 0}.legal .note{background:#FFF4E8;border-left:4px solid var(--orange);padding:.8rem 1rem;border-radius:6px}.footlinks a{margin-right:.8rem}
.card:hover{border-top-color:var(--teal)}.lead,.card p,.steps p{color:var(--gray)}