:root{--navy:#0f2a4a;--navy-2:#163a63;--accent:#5fa8e8;--ink:#1c2533;--muted:#5b6777;--line:#e3e8ef;--bg:#f6f8fb;--white:#fff;--r:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
header.top{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);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:800;letter-spacing:.04em;color:var(--navy);text-decoration:none}
.brand svg{width:34px;height:34px}
.nav ul{display:flex;gap:28px;list-style:none}
.nav ul a{text-decoration:none;color:var(--muted);font-weight:500;font-size:.95rem}
.nav ul a:hover{color:var(--navy)}
.btn{display:inline-block;padding:13px 26px;border-radius:999px;font-weight:600;text-decoration:none;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:var(--navy)}
.btn-primary:hover{background:#7ab8ee}
.btn-ghost{border:1.5px solid rgba(255,255,255,.4);color:#fff}
.btn-navy{background:var(--navy);color:#fff;padding:10px 20px;font-size:.92rem}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:110px 0 120px}
.hero .grid-bg{position:absolute;inset:0;opacity:.12;pointer-events:none}
.hero .wrap{position:relative}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:18px}
.hero h1{font-size:clamp(2.1rem,5vw,3.6rem);line-height:1.12;max-width:780px;letter-spacing:-.02em}
.hero p.lead{font-size:clamp(1.05rem,2vw,1.25rem);color:#c9d6e6;max-width:640px;margin:22px 0 36px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero .facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:56px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14);font-size:.9rem;color:#b5c4d8}
.hero .facts strong{display:block;color:#fff;font-size:1rem}
section{padding:96px 0}
section.alt{background:var(--bg)}
.sec-head{max-width:640px;margin-bottom:52px}
.sec-head h2{font-size:clamp(1.7rem,3.4vw,2.4rem);color:var(--navy);letter-spacing:-.01em;line-height:1.2}
.sec-head p{color:var(--muted);margin-top:14px;font-size:1.05rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:0 12px 30px rgba(15,42,74,.08);transform:translateY(-2px)}
.icon{width:48px;height:48px;border-radius:12px;background:#e8f1fb;display:grid;place-items:center;margin-bottom:18px}
.icon svg{width:24px;height:24px;stroke:var(--navy);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:1.12rem;color:var(--navy);margin-bottom:8px}
.card p{color:var(--muted);font-size:.97rem}
.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:34px}
.why div{border-left:3px solid var(--accent);padding-left:20px}
.why h3{color:var(--navy);font-size:1.08rem;margin-bottom:6px}
.why p{color:var(--muted);font-size:.97rem}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px;counter-reset:s}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 26px 26px}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);display:block;font-weight:800;font-size:1.6rem;color:var(--accent);margin-bottom:10px}
.step h3{color:var(--navy);font-size:1.08rem;margin-bottom:6px}
.step p{color:var(--muted);font-size:.95rem}
.contact{background:var(--navy);color:#fff}
.contact .sec-head h2{color:#fff}
.contact .sec-head p{color:#c9d6e6}
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.c-item{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:28px}
.c-item span{display:block;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:8px;font-weight:600}
.c-item a,.c-item address{font-size:1.15rem;font-weight:600;color:#fff;text-decoration:none;font-style:normal;line-height:1.45}
.c-item a:hover{text-decoration:underline}
footer{background:#0a1d33;color:#93a4ba;font-size:.88rem;padding:40px 0}
footer .f{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer strong{color:#fff}
footer p{margin:2px 0}
@media (max-width:760px){.nav ul{display:none}.hero{padding:80px 0 90px}section{padding:72px 0}}
.nf{min-height:100vh;display:grid;place-items:center;text-align:center;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:24px}
.nf h1{font-size:5rem;line-height:1;color:var(--accent)}
.nf p{color:#c9d6e6;margin:14px 0 28px}