:root{
  --navy:#0f2a43;
  --navy-2:#13395c;
  --ink:#1b2733;
  --body:#3b4a5a;
  --muted:#6b7a8d;
  --accent:#1f9d7a;
  --accent-dark:#157a5f;
  --sand:#f6f4ef;
  --line:#e6e9ee;
  --white:#ffffff;
  --radius:14px;
  --max:1120px;
  --shadow:0 10px 30px rgba(15,42,67,.08);
  font-synthesis:none;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--body);
  background:var(--white);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{color:var(--ink);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.5vw,3.1rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3vw,2.1rem);letter-spacing:-.01em}
h3{font-size:1.18rem}
p{margin:0 0 1rem}
a{color:var(--accent-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.btn{
  display:inline-block;background:var(--accent);color:#fff;font-weight:600;
  padding:13px 26px;border-radius:999px;transition:background .15s ease;
}
.btn:hover{background:var(--accent-dark);text-decoration:none}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.5)}
.btn.ghost:hover{background:rgba(255,255,255,.12)}

/* Header */
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);font-size:1.2rem;letter-spacing:-.01em}
.brand .mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--navy),var(--accent));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:.95rem}
.brand:hover{text-decoration:none}
.nav nav a{color:var(--navy);font-weight:500;margin-left:26px;font-size:.96rem}
.nav .menu{display:flex;align-items:center}
@media(max-width:720px){.nav nav{display:none}}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#1a4668 100%);color:#eaf1f7;padding:76px 0 86px;position:relative;overflow:hidden}
.hero .wrap{position:relative;z-index:2;max-width:760px}
.hero .eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;color:#8fd4bf;font-weight:700;margin-bottom:14px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.18rem;color:#cdd9e5;max-width:620px}
.hero .cta{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap}
.hero .glow{position:absolute;right:-120px;top:-80px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(31,157,122,.35),transparent 65%);z-index:1}

/* Trust strip */
.trust{background:var(--sand);border-bottom:1px solid var(--line)}
.trust .wrap{display:flex;flex-wrap:wrap;gap:30px;justify-content:space-between;padding:26px 22px}
.trust .item{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:600;font-size:.95rem}
.trust .item svg{flex:0 0 auto}

/* Sections */
section.block{padding:72px 0}
section.block.alt{background:var(--sand)}
.lead-center{max-width:720px;margin:0 auto 46px;text-align:center}
.lead-center .eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;color:var(--accent-dark);font-weight:700;margin-bottom:12px}
.grid{display:grid;gap:26px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:860px){.grid.cols-3{grid-template-columns:1fr}.grid.cols-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card .ic{width:46px;height:46px;border-radius:11px;background:#e8f6f1;color:var(--accent-dark);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card h3{margin-bottom:.4em}
.card p{color:var(--body);margin:0}

.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
.split .panel{background:linear-gradient(160deg,var(--navy),#1a4668);border-radius:var(--radius);padding:34px;color:#dbe6f0}
.split .panel h3{color:#fff}
.split .panel ul{margin:0;padding-left:18px}
.split .panel li{margin:.4em 0}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:12px;padding:4px 20px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;color:var(--ink);padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--accent);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:14px;margin:0;color:var(--body)}

/* Contact */
.contact-box{background:var(--sand);border-radius:var(--radius);padding:40px;text-align:center;border:1px solid var(--line)}

/* Legal pages */
.legal{max-width:820px;margin:0 auto;padding:56px 22px 20px}
.legal h1{margin-bottom:.2em}
.legal .updated{color:var(--muted);font-size:.9rem;margin-bottom:34px}
.legal h2{font-size:1.3rem;margin-top:36px}
.legal p,.legal li{color:var(--body)}
.legal ul{padding-left:20px}

/* Footer */
footer.site{background:var(--navy);color:#b9c7d6;padding:52px 0 30px;font-size:.92rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr;gap:26px}}
footer.site .brand{color:#fff;margin-bottom:12px}
footer.site a{color:#cdd9e5}
footer.site h4{color:#fff;font-size:.95rem;margin:0 0 12px;text-transform:uppercase;letter-spacing:.08em}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin:.45em 0}
.legal-note{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:22px;color:#90a2b5;font-size:.86rem;line-height:1.6}
.legal-note strong{color:#cdd9e5}