:root {
  --ink: #102033;
  --ink-soft: #526173;
  --navy: #0b1f33;
  --navy-2: #123652;
  --blue: #1f6f8b;
  --gold: #f4b942;
  --gold-soft: #fff4d8;
  --paper: #f5f7fa;
  --white: #ffffff;
  --line: #dce3ea;
  --shadow: 0 20px 50px rgba(11, 31, 51, .12);
  --radius: 18px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-size: 16px; line-height: 1.65; }
a { color: inherit; text-decoration-thickness: .08em; text-underline-offset: .18em; }
button, input, select, textarea { font: inherit; }
.container { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.narrow { width: min(800px, calc(100% - 40px)); }
.skip-link { position: fixed; top: 12px; left: 12px; padding: 10px 14px; background: var(--gold); color: var(--navy); transform: translateY(-160%); z-index: 10; }
.skip-link:focus { transform: translateY(0); }

.site-header { position: sticky; top: 0; z-index: 5; background: rgba(255,255,255,.94); border-bottom: 1px solid rgba(220,227,234,.9); backdrop-filter: blur(14px); }
.nav-wrap { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); text-decoration: none; letter-spacing: .04em; }
.brand-logo { display: block; width: 42px; height: 42px; flex: 0 0 auto; }
.brand strong, .brand small { display: block; line-height: 1.05; }
.brand strong { font-size: 15px; letter-spacing: .12em; }
.brand small { margin-top: 4px; color: var(--blue); font-size: 10px; letter-spacing: .32em; }
.main-nav { display: flex; align-items: center; gap: 20px; font-size: 14px; }
.main-nav a { text-decoration: none; color: var(--ink-soft); }
.main-nav a:hover, .main-nav a:focus-visible { color: var(--navy); }
.nav-toggle { display: none; border: 1px solid var(--line); background: var(--white); border-radius: 10px; padding: 7px 10px; color: var(--navy); }

.btn { display: inline-flex; justify-content: center; align-items: center; min-height: 48px; padding: 11px 18px; border: 1px solid var(--gold); border-radius: 10px; background: var(--gold); color: var(--navy); font-weight: 750; text-decoration: none; cursor: pointer; box-shadow: 0 8px 20px rgba(244,185,66,.18); transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover, .btn:focus-visible { transform: translateY(-2px); box-shadow: 0 12px 26px rgba(244,185,66,.28); }
.btn-sm { min-height: 38px; padding: 8px 14px; font-size: 13px; }
.btn-ghost { border-color: var(--line); background: transparent; color: var(--navy); box-shadow: none; }
.btn-ghost:hover { background: var(--paper); box-shadow: none; }
.btn-light { background: var(--white); border-color: var(--white); color: var(--navy); }
.btn-login { border-color: var(--navy); color: var(--navy) !important; }

.hero { padding: 86px 0 72px; background: radial-gradient(circle at 78% 22%, rgba(244,185,66,.18), transparent 30%), linear-gradient(135deg, #edf5f8, #ffffff 62%); }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 76px; }
.hero-copy { max-width: 660px; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; color: var(--blue); font-size: 12px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); }
.eyebrow.light { color: #b9d4df; }
h1, h2, h3 { color: var(--navy); line-height: 1.12; letter-spacing: -.025em; }
h1 { max-width: 700px; margin: 18px 0 20px; font-size: clamp(2.8rem, 6vw, 5.7rem); }
h2 { margin: 12px 0 16px; font-size: clamp(2rem, 4vw, 3.4rem); }
h3 { margin: 12px 0 8px; font-size: 1.25rem; }
.hero p, .section-head p, .page-hero p { max-width: 660px; color: var(--ink-soft); font-size: 18px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 30px 0 24px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px 18px; color: var(--ink-soft); font-size: 14px; }
.hero-card { padding: 28px; border: 1px solid rgba(255,255,255,.78); border-radius: 26px; background: linear-gradient(155deg, var(--navy), var(--navy-2)); color: white; box-shadow: var(--shadow); }
.hero-card-top { padding-bottom: 26px; border-bottom: 1px solid rgba(255,255,255,.14); }
.kicker { display: block; color: var(--gold); font-size: 12px; font-weight: 800; letter-spacing: .17em; text-transform: uppercase; }
.hero-card-top strong { display: block; margin-top: 12px; font-size: 1.7rem; line-height: 1.15; }
.cap-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px 18px; padding-top: 25px; }
.cap-grid div { display: grid; gap: 7px; }
.cap-grid b { color: var(--gold); font-size: 13px; }
.cap-grid span { color: #e7f1f4; font-weight: 650; }

.stats-band { background: var(--gold); color: var(--navy); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 22px 0; }
.stats-grid div { display: grid; gap: 2px; }
.stats-grid strong { font-size: 1.25rem; }
.stats-grid span { font-size: 13px; }
.section { padding: 94px 0; }
.section-head { margin-bottom: 34px; }
.cards { display: grid; gap: 18px; }
.cards.three { grid-template-columns: repeat(3, 1fr); }
.cards.two { grid-template-columns: repeat(2, 1fr); }
.card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 10px 28px rgba(11,31,51,.05); }
.card p, .prose p, .policy p { color: var(--ink-soft); }
.icon { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--gold-soft); color: var(--navy); font-size: 22px; }
.section-dark { background: var(--navy); color: white; }
.section-dark h2 { color: white; }
.section-dark p { color: #c8d8df; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.category-list { border-top: 1px solid rgba(255,255,255,.2); }
.category-list div { display: flex; align-items: center; gap: 18px; padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,.2); }
.category-list span { color: var(--gold); font-weight: 800; }
.about-panel { padding: 32px; border-left: 5px solid var(--gold); background: var(--paper); }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 26px; }
.pill-row span { padding: 8px 12px; border-radius: 999px; background: var(--gold-soft); color: var(--navy); font-size: 13px; font-weight: 700; }
.cta { padding-top: 0; }
.cta-box { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 44px; border-radius: 24px; background: var(--navy-2); }
.cta h2 { max-width: 680px; margin-bottom: 0; color: white; }

.page-hero { padding: 80px 0 66px; background: linear-gradient(135deg, #edf5f8, #ffffff); }
.page-hero h1 { font-size: clamp(2.8rem, 6vw, 5rem); }
.form-card { padding: clamp(22px, 4vw, 42px); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.form-grid label { display: grid; gap: 7px; color: var(--navy); font-size: 14px; font-weight: 750; }
.form-grid .full { grid-column: 1 / -1; }
input, select, textarea { width: 100%; border: 1px solid #cbd6df; border-radius: 10px; padding: 12px 13px; color: var(--ink); background: white; }
textarea { resize: vertical; min-height: 150px; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(31,111,139,.18); border-color: var(--blue); }
.form-note { margin: 20px 0; color: var(--ink-soft); font-size: 13px; }
.form-success { margin-top: 16px; padding: 14px; border-radius: 10px; background: #e9f7ef; color: #14532d; }
.hidden { position: absolute; left: -10000px; }
.soft { background: var(--paper); }
.contact-card a { display: inline-block; margin-top: 5px; color: var(--blue); font-weight: 750; }
.policy { max-width: 800px; }
.policy h2 { margin-top: 42px; font-size: 1.75rem; }
.policy h2:first-child { margin-top: 0; }

.site-footer { padding: 54px 0 22px; background: #081726; color: #c4d1d8; }
.site-footer .brand { color: white; }
.site-footer .brand small { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1.2fr 1.25fr; gap: 36px; }
.footer-grid p { max-width: 280px; }
.footer-grid h3 { color: white; font-size: 14px; letter-spacing: .12em; text-transform: uppercase; }
.footer-grid a, .footer-grid span { display: block; margin: 7px 0; color: #c4d1d8; text-decoration: none; }
.footer-grid a:hover { color: var(--gold); }
.footer-policy-trigger { display: block; margin: 7px 0; padding: 0; border: 0; background: none; color: #c4d1d8; font: inherit; font-size: 16px; text-align: left; cursor: pointer; }
.footer-policy-trigger:hover, .footer-policy-trigger:focus-visible { color: var(--gold); }
.footer-legal { display: inline-flex !important; flex-wrap: wrap; gap: 10px; }
.policy-dialog { width: min(560px, calc(100% - 32px)); padding: 26px; border: 1px solid var(--line); border-radius: 18px; color: var(--ink); box-shadow: var(--shadow); }
.policy-dialog::backdrop { background: rgba(8, 23, 38, .62); }
.policy-dialog-head { display: flex; align-items: start; justify-content: space-between; gap: 18px; }
.policy-dialog h2 { margin: 0; font-size: 1.7rem; }
.policy-dialog p { margin: 18px 0 0; color: var(--ink-soft); }
.dialog-close { width: 34px; height: 34px; border: 1px solid var(--line); border-radius: 50%; background: white; color: var(--navy); font-size: 22px; line-height: 1; cursor: pointer; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; padding-top: 24px; margin-top: 34px; border-top: 1px solid rgba(255,255,255,.12); font-size: 13px; }

@media (max-width: 840px) {
  .hero-grid, .split { grid-template-columns: 1fr; gap: 38px; }
  .hero { padding-top: 62px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .cards.three { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .container, .narrow { width: min(100% - 28px, 1120px); }
  .nav-wrap { min-height: 68px; }
  .nav-toggle { display: block; }
  .main-nav { position: absolute; top: 68px; left: 0; right: 0; display: none; padding: 14px; border-bottom: 1px solid var(--line); background: white; box-shadow: 0 12px 22px rgba(11,31,51,.08); }
  .main-nav.is-open { display: grid; gap: 4px; }
  .main-nav a { padding: 10px 8px; }
  .main-nav .btn { width: 100%; }
  h1 { font-size: clamp(2.7rem, 14vw, 4.6rem); }
  .hero p, .section-head p, .page-hero p { font-size: 16px; }
  .form-grid, .cards.two { grid-template-columns: 1fr; }
  .form-grid .full { grid-column: auto; }
  .cta-box { align-items: flex-start; flex-direction: column; padding: 28px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; }
}