:root {
  --navy: #0b2545;
  --navy-2: #13315c;
  --blue: #1d6fd8;
  --amber: #f5a623;
  --amber-dark: #d98c0b;
  --ink: #1b2430;
  --muted: #5b6676;
  --line: #e3e8ef;
  --bg: #ffffff;
  --bg-soft: #f5f8fc;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 37, 69, .10);
  --max: 1160px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--blue); }
.container { width: min(var(--max), 100% - 40px); margin-inline: auto; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 10px; top: 10px; background: #fff; padding: 8px 12px; z-index: 100; }

/* Buttons */
.btn {
  display: inline-block; padding: 13px 24px; border-radius: 10px;
  font-weight: 600; text-decoration: none; border: 2px solid transparent;
  transition: transform .15s, background .15s, box-shadow .15s; cursor: pointer; font-size: 1rem;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--amber); color: var(--navy); }
.btn-primary:hover { background: var(--amber-dark); }
.btn-outline { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,.1); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-2); }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.95);
  backdrop-filter: blur(8px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 82px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.35rem; letter-spacing: -.3px; }
.brand span { color: var(--amber-dark); }
.nav ul { display: flex; gap: 28px; list-style: none; margin: 0; padding: 0; align-items: center; }
.nav ul a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: .96rem; }
.nav ul a:hover { color: var(--blue); }
.nav ul a.btn { color: #fff; padding: 10px 20px; }
.nav ul a.btn:hover { color: #fff; }
.menu-toggle { display: none; background: none; border: 0; font-size: 1.7rem; color: var(--navy); cursor: pointer; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 60%, #1b4a85 100%);
  color: #fff; padding: 96px 0 110px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px; width: 480px; height: 480px;
  border-radius: 50%; background: radial-gradient(circle, rgba(245,166,35,.25), transparent 65%);
}
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.eyebrow { text-transform: uppercase; letter-spacing: 2px; font-size: .78rem; font-weight: 700; color: var(--amber); }
.hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); line-height: 1.1; margin: 14px 0 18px; letter-spacing: -1px; }
.hero p.lead { font-size: 1.2rem; color: #cfdcf0; max-width: 560px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.hero-card {
  background: #fff; color: var(--ink); border-radius: 18px; padding: 28px; box-shadow: 0 25px 60px rgba(0,0,0,.3);
}
.hero-card h3 { margin: 0 0 4px; color: var(--navy); }
.hero-card .sub { color: var(--muted); font-size: .92rem; margin-bottom: 18px; }
.progress-row { margin: 14px 0; }
.progress-row .top { display: flex; justify-content: space-between; font-size: .9rem; font-weight: 600; }
.bar { height: 9px; background: var(--line); border-radius: 99px; margin-top: 6px; overflow: hidden; }
.bar i { display: block; height: 100%; background: linear-gradient(90deg, var(--blue), #4aa3ff); border-radius: 99px; }
.badge-done { display: inline-flex; align-items: center; gap: 8px; margin-top: 12px; background: #e8f7ee; color: #1a7f43; font-weight: 600; padding: 8px 14px; border-radius: 99px; font-size: .9rem; }

.live-pill { display: inline-flex; align-items: center; gap: 8px; background: #fdecec; color: #b42318; font-weight: 700; font-size: .75rem; letter-spacing: 1px; padding: 5px 12px; border-radius: 99px; margin-bottom: 14px; }
.live-pill i { width: 8px; height: 8px; border-radius: 50%; background: #d92d20; animation: pulse 1.6s infinite; }
@keyframes pulse { 50% { opacity: .3; } }
.mini-list { list-style: none; padding: 0; margin: 0; }
.mini-list li { padding: 10px 0 10px 28px; border-top: 1px solid var(--line); position: relative; font-weight: 500; }
.mini-list li::before { content: "✓"; position: absolute; left: 0; color: var(--amber-dark); font-weight: 800; }
.fine { text-align: center; color: var(--muted); font-size: .92rem; max-width: 720px; margin: 36px auto 0; }

/* Trust bar */
.trust { background: var(--bg-soft); border-bottom: 1px solid var(--line); }
.trust ul { list-style: none; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; margin: 0; padding: 22px 0; color: var(--navy); font-weight: 600; font-size: .95rem; }
.trust li::before { content: "✓"; color: var(--amber-dark); margin-right: 8px; font-weight: 800; }

/* Sections */
section { padding: 88px 0; }
.section-head { max-width: 680px; margin: 0 auto 52px; text-align: center; }
.section-head h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); line-height: 1.2; color: var(--navy); margin: 10px 0 12px; letter-spacing: -.5px; }
.section-head p { color: var(--muted); font-size: 1.08rem; margin: 0; }
.section-head .eyebrow { color: var(--blue); }
.alt { background: var(--bg-soft); }

/* Cards */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.private { margin-top: 24px; background: #fff4de; border: 1px solid #f3d9a4; border-radius: var(--radius); padding: 20px 26px; text-align: center; color: var(--navy); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px;
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.icon {
  width: 52px; height: 52px; border-radius: 12px; background: #eaf2fd; color: var(--blue);
  display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 16px;
}
.card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.15rem; }
.card p { margin: 0; color: var(--muted); font-size: .96rem; }
.card .meta { margin-top: 16px; font-size: .85rem; color: var(--muted); display: flex; gap: 14px; }
.tag { display: inline-block; background: #fff4de; color: #9a6200; font-size: .75rem; font-weight: 700; padding: 3px 10px; border-radius: 99px; margin-bottom: 12px; }

/* Steps */
.step { text-align: center; padding: 10px; }
.num {
  width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800;
  display: grid; place-items: center; margin: 0 auto 16px; font-size: 1.25rem;
}
.step h3 { margin: 0 0 6px; color: var(--navy); }
.step p { margin: 0; color: var(--muted); font-size: .95rem; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); color: var(--navy); margin: 8px 0 14px; line-height: 1.2; }
.checks { list-style: none; padding: 0; margin: 22px 0 0; }
.checks li { padding-left: 32px; position: relative; margin-bottom: 12px; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%; background: var(--amber); color: var(--navy); font-weight: 800; font-size: .8rem; display: grid; place-items: center; }
.panel { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; border-radius: 18px; padding: 40px; }
.panel .stat { display: flex; gap: 16px; align-items: baseline; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.15); }
.panel .stat:last-child { border: 0; }
.panel .stat b { font-size: 1.9rem; color: var(--amber); min-width: 90px; }
.panel .stat span { color: #cfdcf0; }

/* FAQ */
.faq { max-width: 780px; margin: 0 auto; }
details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 22px; margin-bottom: 12px; }
summary { cursor: pointer; font-weight: 600; color: var(--navy); }
details p { color: var(--muted); margin: 12px 0 0; }

/* CTA + contact */
.cta { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; text-align: center; padding: 80px 0; }
.cta h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); margin: 0 0 12px; }
.cta p { color: #cfdcf0; max-width: 560px; margin: 0 auto 28px; font-size: 1.1rem; }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; }
form { display: grid; gap: 16px; }
label { font-weight: 600; font-size: .9rem; color: var(--navy); display: grid; gap: 6px; }
input, select, textarea {
  font: inherit; padding: 12px 14px; border: 1px solid #cfd8e3; border-radius: 10px; background: #fff; color: var(--ink);
}
input:focus, select:focus, textarea:focus, .btn:focus-visible, a:focus-visible, summary:focus-visible {
  outline: 3px solid rgba(29,111,216,.35); outline-offset: 2px; border-color: var(--blue);
}
.form-note { font-size: .85rem; color: var(--muted); }
#formStatus { font-weight: 600; color: #1a7f43; }

/* Footer */
footer { background: #071a31; color: #a9b8cf; padding: 56px 0 28px; font-size: .94rem; }
.foot-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 40px; }
footer h4 { color: #fff; margin: 0 0 12px; }
footer a { color: #a9b8cf; text-decoration: none; display: block; margin-bottom: 8px; }
footer a:hover { color: #fff; }
.foot-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 36px; padding-top: 20px; font-size: .85rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
footer .brand { color: #fff; margin-bottom: 12px; }

@media (max-width: 960px) {
  .hero-grid, .split, .contact-grid, .foot-grid { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .menu-toggle { display: block; }
  .nav ul { display: none; position: absolute; top: 82px; left: 0; right: 0; flex-direction: column; background: #fff; padding: 20px; border-bottom: 1px solid var(--line); gap: 18px; }
  .nav ul.open { display: flex; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  section { padding: 64px 0; }
  .hero { padding: 64px 0 80px; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }

/* Logo */
.brand .logo { height: 60px; width: auto; display: block; }
.pbar .brand .logo { height: 42px; }
.logo-foot { height: 64px; width: auto; margin-bottom: 14px; display: block; }
@media (max-width: 720px) { .brand .logo { height: 46px; } .nav { height: 72px; } }