:root{
  --navy:#0B1F3B;
  --blue:#0066CC;
  --teal:#1FA6A3;
  --ink:#1A1F2B;
  --muted:#5F6B7A;
  --line:#D8E1EB;
  --bg:#F5F8FC;
  --white:#FFFFFF;
  --shadow:0 18px 45px rgba(11,31,59,.12);
  --radius:18px;
  --radius-sm:12px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Segoe UI,Arial,Helvetica,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:none}
.container{width:min(100% - 2rem,var(--max));margin-inline:auto}
.section{padding:72px 0}
.section-sm{padding:42px 0}
.section-alt{background:var(--bg)}
.eyebrow{
  display:inline-block;
  font-size:.82rem;
  font-weight:700;
  letter-spacing:.12em;
  color:var(--blue);
  text-transform:uppercase;
  margin-bottom:10px;
}
h1,h2,h3{line-height:1.15;margin:0 0 16px}
h1{font-size:clamp(2.2rem,4vw,4rem)}
h2{font-size:clamp(1.8rem,3vw,2.7rem)}
h3{font-size:1.25rem}
p{margin:0 0 16px;color:var(--muted)}
.lead{font-size:1.1rem;color:#334155}
.text-center{text-align:center}
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:28px;
  box-shadow:var(--shadow);
}
.card.flat{box-shadow:none}
.badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  border:1px solid rgba(255,255,255,.22);
  background:rgba(255,255,255,.1);
  color:#fff;
  padding:10px 14px;
  border-radius:999px;
  font-size:.9rem;
  font-weight:600;
}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  min-height:50px;
  padding:0 20px;
  border-radius:999px;
  font-weight:700;
  border:2px solid transparent;
  transition:all .2s ease;
  cursor:pointer;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:#0052A3}
.btn-secondary{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-secondary:hover{border-color:var(--blue);color:var(--blue)}
.btn-dark{background:var(--navy);color:#fff}
.btn-block{width:100%}
.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.94);
  border-bottom:1px solid rgba(216,225,235,.8);
  backdrop-filter:blur(12px);
}
.nav{
  min-height:82px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
}
.brand{
  display:flex;
  align-items:center;
  gap:14px;
  color:var(--navy);
  font-weight:800;
  letter-spacing:.02em;
}

.brand-logo-wrap{
  width:58px;
  height:58px;
  display:grid;
  place-items:center;
  background:linear-gradient(180deg,#FFFFFF 0%,#F3F7FC 100%);
  border:1px solid rgba(11,31,59,.10);
  border-radius:14px;
  box-shadow:0 10px 24px rgba(11,31,59,.10);
  flex:0 0 58px;
}
.brand-logo-wrap img{
  width:42px;
  height:42px;
  object-fit:contain;
  display:block;
}
.brand img{
  width:42px;
  height:42px;
  object-fit:contain;
  display:block;
}
.brand small{
  display:block;
  color:var(--muted);
  font-weight:600;
  letter-spacing:.04em;
}
.nav-toggle{
  display:none;
  background:#fff;
  border:1px solid var(--line);
  border-radius:12px;
  padding:10px 12px;
  font-weight:700;
}
.nav-links{
  display:flex;
  align-items:center;
  gap:22px;
}
.nav-links a{
  color:var(--ink);
  font-weight:700;
}
.nav-links a.active,.nav-links a:hover{color:var(--blue)}
.hero{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(circle at top left, rgba(31,166,163,.18), transparent 32%),
    radial-gradient(circle at top right, rgba(0,102,204,.18), transparent 35%),
    linear-gradient(135deg, #0B1F3B 0%, #0F2E58 55%, #11447F 100%);
  color:#fff;
}
.hero .container{
  display:grid;
  grid-template-columns:1.12fr .88fr;
  gap:32px;
  align-items:center;
  min-height:640px;
  padding-top:48px;
  padding-bottom:48px;
}
.hero p{color:rgba(255,255,255,.88)}
.hero-panel{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.16);
  border-radius:24px;
  padding:28px;
  box-shadow:0 20px 50px rgba(0,0,0,.2);
}
.hero-stats{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:16px;
  margin-top:20px;
}
.hero-stat{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.16);
  border-radius:18px;
  padding:18px;
}
.hero-stat strong{display:block;font-size:1.3rem;color:#fff}
.page-hero{
  background:linear-gradient(180deg,#0B1F3B 0%,#143B70 100%);
  color:#fff;
  padding:82px 0 70px;
}
.page-hero p{color:rgba(255,255,255,.86)}
.list-clean{list-style:none;margin:0;padding:0}
.list-clean li{
  position:relative;
  padding-left:28px;
  margin-bottom:12px;
  color:var(--ink);
}
.list-clean li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:0;
  color:var(--teal);
  font-weight:800;
}
.kicker-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:18px;
  margin-top:28px;
}
.kicker{
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px;
  padding:18px;
  text-align:center;
}
.kicker strong{display:block;font-size:1.15rem;color:var(--navy)}
.cta-band{
  background:linear-gradient(135deg, #0066CC 0%, #0B1F3B 100%);
  color:#fff;
  border-radius:28px;
  padding:34px;
  box-shadow:var(--shadow);
}
.cta-band p{color:rgba(255,255,255,.9)}
.form-group{display:grid;gap:8px;margin-bottom:16px}
label{font-weight:700;color:var(--ink)}
input,select,textarea{
  width:100%;
  border:1px solid var(--line);
  border-radius:14px;
  padding:14px 16px;
  font:inherit;
  color:var(--ink);
  background:#fff;
}
input:focus,select:focus,textarea:focus{
  outline:none;
  border-color:var(--blue);
  box-shadow:0 0 0 4px rgba(0,102,204,.12);
}
textarea{min-height:140px;resize:vertical}
.note{
  font-size:.95rem;
  color:var(--muted);
}
.muted{color:var(--muted)}
.small{font-size:.95rem}
footer{
  background:#09182C;
  color:#D8E1EB;
  padding:30px 0;
  margin-top:40px;
}
footer a{color:#D8E1EB}
.footer-grid{
  display:grid;
  grid-template-columns:2fr 1fr 1fr;
  gap:24px;
}
.footer-title{
  color:#fff;
  font-size:1rem;
  margin-bottom:12px;
}
.nap{
  display:grid;
  gap:8px;
  padding:18px 20px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
}
.callout{
  border-left:4px solid var(--blue);
  padding:18px 20px;
  background:#F7FBFF;
  border-radius:0 16px 16px 0;
}
.notice{
  background:#FFF8E6;
  border:1px solid #F4D58D;
  color:#664D03;
  border-radius:16px;
  padding:16px 18px;
}
.steps{
  counter-reset:step;
  display:grid;
  gap:18px;
}
.step{
  position:relative;
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
  padding:22px 22px 22px 72px;
}
.step::before{
  counter-increment:step;
  content:counter(step);
  position:absolute;
  left:20px;
  top:20px;
  width:36px;
  height:36px;
  border-radius:50%;
  display:grid;
  place-items:center;
  font-weight:800;
  color:#fff;
  background:var(--blue);
}
.table-like{
  display:grid;
  gap:12px;
}
.table-row{
  display:grid;
  grid-template-columns:180px 1fr;
  gap:18px;
  padding:16px 0;
  border-bottom:1px solid var(--line);
}
.hidden{display:none !important}
@media (max-width:980px){
  .hero .container,.grid-2,.grid-3,.footer-grid,.kicker-grid{grid-template-columns:1fr}
  .nav-toggle{display:inline-flex}
  .nav-links{
    position:absolute;
    top:82px;
    left:0;
    right:0;
    background:#fff;
    border-bottom:1px solid var(--line);
    display:none;
    flex-direction:column;
    align-items:flex-start;
    padding:18px 1rem 22px;
  }
  .nav-links.open{display:flex}
}
@media (max-width:640px){
  .section{padding:56px 0}
  .hero .container{min-height:auto}
  .btn-row{flex-direction:column}
  .table-row{grid-template-columns:1fr}
}

.hero .callout{
  background:rgba(255,255,255,.10);
  border:1px solid rgba(255,255,255,.18);
  border-left:4px solid var(--teal);
  border-radius:16px;
  color:#fff;
}
.hero .callout strong,
.hero .callout p{
  color:#fff;
}


.compliance-box{
  background:#F7FBFF;
  border:1px solid var(--line);
  border-left:4px solid var(--blue);
  border-radius:18px;
  padding:22px 22px;
}
.compliance-box p:last-child{
  margin-bottom:0;
}