:root{
  --bg:#f6f8fb;
  --surface:#ffffff;
  --text:#0f172a;
  --muted:#475569;
  --muted2:#64748b;
  --border:#e5eaf2;
  --navy:#0b2a4a;
  --navy2:#123a64;
  --focus:#1d4ed8;
  --shadow: 0 10px 24px rgba(2, 6, 23, .08);
  --shadow2: 0 8px 18px rgba(2, 6, 23, .06);
  --radius:16px;
  --radius2:12px;
  --max:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background: linear-gradient(180deg, var(--bg) 0%, #ffffff 40%, #ffffff 100%);
  line-height:1.6;
  font-size:16px;
}
img{max-width:100%; height:auto; display:block}
a{color:var(--navy2); text-decoration:none}
a:hover{text-decoration:underline}
a:focus, button:focus, input:focus, textarea:focus{
  outline:3px solid rgba(29,78,216,.35);
  outline-offset:2px;
}

.container{
  max-width:var(--max);
  margin:0 auto;
  padding:0 20px;
}

.skip-link{
  position:absolute;
  left:-999px;
  top:auto;
  width:1px;
  height:1px;
  overflow:hidden;
}
.skip-link:focus{
  left:16px;
  top:16px;
  width:auto;
  height:auto;
  padding:10px 12px;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:10px;
  box-shadow:var(--shadow2);
  z-index:9999;
}

header{
  position:sticky;
  top:0;
  z-index:50;
  background: rgba(255,255,255,.85);
  backdrop-filter: blur(10px);
  border-bottom:1px solid rgba(229,234,242,.75);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  min-width:200px;
}
.mark{
  width:38px;
  height:38px;
  border-radius:12px;
  background: radial-gradient(120% 120% at 20% 20%, #1f4b7a 0%, var(--navy) 45%, #071a2e 100%);
  box-shadow: 0 10px 18px rgba(7, 26, 46, .18);
}
.brand-title{
  display:flex;
  flex-direction:column;
  line-height:1.1;
}
.brand-title strong{
  font-family: Montserrat, system-ui, sans-serif;
  letter-spacing:.2px;
  font-weight:700;
  color:var(--navy);
  font-size:16px;
}
.brand-title span{
  font-size:12.5px;
  color:var(--muted2);
  font-weight:500;
}

nav ul{
  list-style:none;
  display:flex;
  gap:18px;
  padding:0;
  margin:0;
  align-items:center;
}
nav a{
  display:inline-block;
  padding:10px 10px;
  border-radius:12px;
  color:var(--text);
  font-weight:600;
  font-size:14px;
}
nav a:hover{
  background:rgba(11,42,74,.06);
  text-decoration:none;
}
.nav-cta{
  display:inline-flex;
  align-items:center;
  gap:10px;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:11px 14px;
  border-radius:12px;
  border:1px solid var(--border);
  background:var(--surface);
  color:var(--navy);
  font-weight:700;
  font-size:14px;
  box-shadow: 0 1px 0 rgba(2,6,23,.03);
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  text-decoration:none;
  cursor:pointer;
}
.btn:hover{
  transform: translateY(-1px);
  box-shadow: var(--shadow2);
  text-decoration:none;
  background:#fbfdff;
}
.btn-primary{
  border-color: rgba(11,42,74,.18);
  background: linear-gradient(180deg, #123a64 0%, #0b2a4a 100%);
  color:#ffffff;
}
.btn-primary:hover{
  background: linear-gradient(180deg, #184472 0%, #0a2743 100%);
}

.burger{
  display:none;
  background:transparent;
  border:1px solid var(--border);
  border-radius:12px;
  padding:10px 12px;
  cursor:pointer;
}
.burger span{
  display:block;
  width:22px;
  height:2px;
  background:var(--navy);
  margin:4px 0;
  border-radius:2px;
}

@media (max-width: 900px){
  nav{display:none}
  .burger{display:inline-block}
}

.hero{
  padding:72px 0 28px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.2fr .8fr;
  gap:28px;
  align-items:center;
}
@media (max-width: 900px){
  .hero{padding:52px 0 20px}
  .hero-grid{grid-template-columns:1fr; gap:18px}
}
.hero-card{
  background: linear-gradient(180deg, rgba(255,255,255,.92) 0%, rgba(255,255,255,1) 100%);
  border:1px solid var(--border);
  border-radius: var(--radius);
  padding:28px;
  box-shadow: var(--shadow2);
  position:relative;
  overflow:hidden;
}
.hero-card::before{
  content:"";
  position:absolute;
  inset:-120px -60px auto -60px;
  height:240px;
  background: radial-gradient(closest-side, rgba(18,58,100,.22), rgba(18,58,100,0));
  pointer-events:none;
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:8px 10px;
  border-radius:999px;
  background:rgba(11,42,74,.06);
  border:1px solid rgba(11,42,74,.10);
  color:var(--navy);
  font-weight:700;
  font-size:12.5px;
}
h1{
  font-family: Montserrat, system-ui, sans-serif;
  font-weight:700;
  letter-spacing:-.3px;
  font-size:40px;
  line-height:1.15;
  margin:14px 0 10px;
  color:var(--navy);
}
@media (max-width: 520px){
  h1{font-size:32px}
}
.lead{
  color:var(--muted);
  font-size:16.5px;
  margin:0 0 18px;
  max-width:64ch;
}
.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:14px;
}
.fineprint{
  margin-top:14px;
  color:var(--muted2);
  font-size:13px;
}
.disclaimer{
  margin-top:14px;
  padding:14px 14px;
  border-radius:14px;
  border:1px solid rgba(11,42,74,.12);
  background: rgba(11,42,74,.04);
  color:var(--muted);
  font-size:13.5px;
}

.hero-side{
  border-radius: var(--radius);
  border:1px solid var(--border);
  background:var(--surface);
  box-shadow: var(--shadow2);
  overflow:hidden;
  min-height: 340px;
  display:flex;
  flex-direction:column;
}
.hero-image{
  width:100%;
  height: 210px;
  background: linear-gradient(135deg, rgba(11,42,74,.10), rgba(11,42,74,.02));
  border-bottom:1px solid var(--border);
}
.hero-image img{
  width:100%;
  height:210px;
  object-fit:cover;
}
.hero-side-body{
  padding:18px 18px 20px;
}
.hero-side-body h2{
  font-family: Montserrat, system-ui, sans-serif;
  font-size:16px;
  margin:0 0 8px;
  color:var(--navy);
  letter-spacing:.1px;
}
.hero-side-body p{
  margin:0;
  color:var(--muted);
  font-size:14.5px;
}

section{
  padding:46px 0;
}
.section-head{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:14px;
  margin-bottom:18px;
}
.section-head h2{
  font-family: Montserrat, system-ui, sans-serif;
  margin:0;
  font-size:26px;
  color:var(--navy);
  letter-spacing:-.2px;
}
.section-head p{
  margin:0;
  color:var(--muted2);
  max-width:60ch;
  font-size:14.5px;
}

.card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius: var(--radius2);
  padding:18px;
  box-shadow: 0 1px 0 rgba(2,6,23,.03);
  transition: transform .18s ease, box-shadow .18s ease;
  min-height: 100%;
}
.card:hover{
  transform: translateY(-2px);
  box-shadow: var(--shadow2);
}
.grid-3{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:14px;
}
.grid-2{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap:14px;
}
@media (max-width: 900px){
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
}
.card h3{
  font-family: Montserrat, system-ui, sans-serif;
  font-size:16px;
  margin:0 0 8px;
  color:var(--navy);
}
.card p{
  margin:0;
  color:var(--muted);
  font-size:14.5px;
}
.list{
  margin:12px 0 0;
  padding-left:18px;
  color:var(--muted);
  font-size:14.5px;
}
.list li{margin:6px 0}

.callout{
  border:1px solid rgba(11,42,74,.14);
  background: linear-gradient(180deg, rgba(11,42,74,.05) 0%, rgba(11,42,74,.02) 100%);
  border-radius: var(--radius);
  padding:18px;
}
.callout h3{
  margin:0 0 8px;
  font-family: Montserrat, system-ui, sans-serif;
  color:var(--navy);
  font-size:16px;
}
.callout p{margin:0; color:var(--muted); font-size:14.5px}

form{margin-top:10px}
.form-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:12px;
}
@media (max-width: 700px){
  .form-grid{grid-template-columns:1fr}
}
label{
  display:block;
  font-weight:700;
  font-size:13.5px;
  color:var(--text);
  margin:0 0 6px;
}
input, textarea{
  width:100%;
  padding:12px 12px;
  border-radius:12px;
  border:1px solid var(--border);
  background:#ffffff;
  color:var(--text);
  font: inherit;
  min-height:44px;
  transition: border-color .18s ease, box-shadow .18s ease;
}
textarea{min-height:120px; resize:vertical}
input:focus, textarea:focus{
  border-color: rgba(29,78,216,.45);
  box-shadow: 0 0 0 4px rgba(29,78,216,.12);
  outline:none;
}
.help{
  margin:8px 0 0;
  color:var(--muted2);
  font-size:13px;
}

footer{
  padding:34px 0;
  border-top:1px solid var(--border);
  background:#ffffff;
}
.footer-grid{
  display:grid;
  grid-template-columns: 1.3fr .9fr .9fr;
  gap:18px;
  align-items:start;
}
@media (max-width: 900px){
  .footer-grid{grid-template-columns:1fr; gap:14px}
}
.footer-title{
  font-family: Montserrat, system-ui, sans-serif;
  color:var(--navy);
  margin:0 0 10px;
  font-size:14px;
  letter-spacing:.1px;
  text-transform:uppercase;
}
.footer p, .footer a, footer li{
  color:var(--muted);
  font-size:14px;
}
.footer ul{
  list-style:none;
  padding:0;
  margin:0;
}
.footer li{margin:8px 0}
.legal{
  margin-top:18px;
  padding-top:14px;
  border-top:1px solid var(--border);
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  align-items:center;
  justify-content:space-between;
  color:var(--muted2);
  font-size:13px;
}

.fade-in{
  opacity:0;
  transform: translateY(10px);
  animation: fadeIn .55s ease forwards;
}
.fade-2{animation-delay:.10s}
.fade-3{animation-delay:.18s}
.fade-4{animation-delay:.26s}
@keyframes fadeIn{
  to{opacity:1; transform: translateY(0)}
}

.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;
}