:root {
  --bg: #f6f7f8;
  --surface: #ffffff;
  --surface-muted: #eef1f3;
  --ink: #16212d;
  --ink-soft: #56616c;
  --navy: #10263d;
  --navy-2: #173a5c;
  --accent: #6b7f6a;
  --accent-dark: #4c614c;
  --line: #d8dee3;
  --focus: #b06b00;
  --success: #2f6e45;
  --max: 1180px;
  --radius: 14px;
  --shadow: 0 14px 40px rgba(20, 35, 50, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
a:hover { color: var(--navy-2); }
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }
button, .button { cursor: pointer; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }

.skip-link {
  position: fixed;
  top: 8px;
  left: 8px;
  transform: translateY(-160%);
  background: var(--surface);
  color: var(--ink);
  padding: 10px 14px;
  border-radius: 8px;
  z-index: 999;
  border: 1px solid var(--line);
}
.skip-link:focus { transform: translateY(0); }

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.eyebrow {
  margin: 0 0 10px;
  color: var(--accent-dark);
  font-weight: 750;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .78rem;
}
.kicker { color: var(--ink-soft); max-width: 760px; font-size: 1.08rem; }
.muted { color: var(--ink-soft); }
.small { font-size: .9rem; }
.narrow { max-width: 760px; }

.topbar {
  background: var(--navy);
  color: #fff;
  font-size: .92rem;
}
.topbar .container {
  min-height: 42px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 22px;
}
.topbar a { color: #fff; text-decoration: none; }
.topbar a:hover { text-decoration: underline; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(10px);
}
.nav-wrap {
  min-height: 78px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.brand {
  text-decoration: none;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.15;
  max-width: 330px;
  font-size: .98rem;
}
.main-nav { margin-left: auto; }
.main-nav ul {
  display: flex;
  align-items: center;
  list-style: none;
  padding: 0;
  margin: 0;
  gap: 6px;
}
.main-nav a {
  display: block;
  padding: 10px 11px;
  border-radius: 8px;
  text-decoration: none;
  color: #263645;
  font-weight: 650;
  font-size: .93rem;
}
.main-nav a[aria-current="page"], .main-nav a:hover { background: var(--surface-muted); color: var(--navy); }
.nav-cta { margin-left: 4px; }
.menu-toggle {
  display: none;
  margin-left: auto;
  border: 1px solid var(--line);
  background: var(--surface);
  border-radius: 10px;
  padding: 9px 12px;
  color: var(--navy);
  font-weight: 750;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 44px;
  padding: 11px 17px;
  border-radius: 9px;
  background: var(--navy);
  color: #fff;
  border: 1px solid var(--navy);
  text-decoration: none;
  font-weight: 750;
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.button:hover { color: #fff; background: var(--navy-2); border-color: var(--navy-2); transform: translateY(-1px); }
.button.secondary { background: transparent; color: var(--navy); border-color: #9aa6b1; }
.button.secondary:hover { background: var(--surface-muted); color: var(--navy); }
.button.light { background: #fff; color: var(--navy); border-color: #fff; }
.button.light:hover { background: #f0f3f5; color: var(--navy); }

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(64px, 9vw, 120px) 0 clamp(70px, 10vw, 128px);
  background:
    radial-gradient(circle at 78% 18%, rgba(255,255,255,.11), transparent 24%),
    linear-gradient(125deg, #10263d 0%, #173a5c 60%, #254a61 100%);
  color: #fff;
}
.hero:after {
  content: "";
  position: absolute;
  inset: auto -8% -34% auto;
  width: 520px;
  height: 520px;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 50%;
  box-shadow: 0 0 0 85px rgba(255,255,255,.025), 0 0 0 170px rgba(255,255,255,.02);
}
.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1.35fr .65fr; gap: 56px; align-items: center; }
.hero .eyebrow { color: #cbd7c9; }
.hero h1 { margin: 0 0 22px; max-width: 850px; font-size: clamp(2.35rem, 5vw, 4.5rem); line-height: 1.02; letter-spacing: -.045em; }
.hero p { max-width: 760px; color: #e4ebf0; font-size: clamp(1.06rem, 1.5vw, 1.23rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-panel {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 18px;
  padding: 26px;
  backdrop-filter: blur(12px);
}
.hero-panel h2 { margin-top: 0; font-size: 1.1rem; }
.hero-panel ul { margin: 0; padding-left: 20px; color: #eaf0f4; }
.hero-panel li + li { margin-top: 8px; }

.page-hero {
  padding: 72px 0 62px;
  background: linear-gradient(135deg, #10263d, #1a3f5f);
  color: #fff;
}
.page-hero h1 { margin: 6px 0 14px; font-size: clamp(2.2rem, 4.8vw, 4rem); line-height: 1.07; letter-spacing: -.035em; }
.page-hero p { max-width: 790px; color: #e1e8ed; font-size: 1.12rem; }

.section { padding: clamp(60px, 8vw, 96px) 0; }
.section.white { background: var(--surface); }
.section.tint { background: #eef2f3; }
.section h2 { margin: 0 0 16px; font-size: clamp(1.8rem, 3vw, 2.7rem); letter-spacing: -.025em; line-height: 1.14; color: var(--navy); }
.section h3 { color: var(--navy); line-height: 1.25; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 36px; }
.section-heading > * { margin-bottom: 0; }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 8px 24px rgba(22,33,45,.035);
}
.card h3 { margin: 8px 0 11px; font-size: 1.25rem; }
.card p:last-child { margin-bottom: 0; }
.icon {
  width: 44px;
  height: 44px;
  border-radius: 11px;
  display: grid;
  place-items: center;
  background: #e9eeea;
  color: var(--accent-dark);
  font-weight: 850;
  font-size: 1.15rem;
}
.text-link { font-weight: 750; color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 4px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(38px, 6vw, 84px); align-items: start; }
.bullet-list { padding-left: 20px; }
.bullet-list li + li { margin-top: 8px; }

.notice {
  border-left: 4px solid var(--accent);
  background: #f0f3f0;
  padding: 18px 20px;
  border-radius: 0 10px 10px 0;
  color: #37453b;
}
.notice strong { color: var(--ink); }

.process { counter-reset: step; }
.process .card { position: relative; padding-top: 74px; }
.process .card:before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  position: absolute;
  top: 24px;
  left: 28px;
  color: var(--accent-dark);
  font-weight: 850;
  letter-spacing: .08em;
  font-size: .9rem;
}

.cta-band {
  padding: 55px 0;
  background: var(--navy);
  color: #fff;
}
.cta-band .inner { display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.cta-band h2 { color: #fff; margin: 0 0 8px; }
.cta-band p { margin: 0; color: #dbe4ea; }

.contact-card a { word-break: break-word; }
.contact-lines { display: grid; gap: 11px; }
.contact-lines p { margin: 0; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
label { font-weight: 720; color: #263645; }
input, select, textarea {
  width: 100%;
  border: 1px solid #aeb9c1;
  background: #fff;
  border-radius: 9px;
  padding: 11px 12px;
  color: var(--ink);
}
textarea { min-height: 150px; resize: vertical; }
.checkbox { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; }
.checkbox input { margin-top: 4px; width: 18px; height: 18px; }
.form-note { font-size: .9rem; color: var(--ink-soft); }
.form-status { margin-top: 14px; font-weight: 700; color: var(--success); min-height: 1.6em; }

.legal h2 { margin-top: 42px; }
.legal h3 { margin-top: 28px; }
.legal table { width: 100%; border-collapse: collapse; background: #fff; }
.legal th, .legal td { text-align: left; padding: 13px; border: 1px solid var(--line); vertical-align: top; }
.legal th { width: 32%; background: #f1f4f5; }
.todo { background: #fff4df; border: 1px solid #d7b274; padding: 14px 16px; border-radius: 9px; }

.site-footer { background: #0c1c2c; color: #dfe7ec; padding: 58px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .8fr .9fr; gap: 44px; }
.site-footer h2, .site-footer h3 { color: #fff; margin-top: 0; }
.site-footer a { color: #edf3f7; text-underline-offset: 4px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.13); margin-top: 38px; padding-top: 20px; color: #aebbc5; font-size: .86rem; }

@media (max-width: 980px) {
  .menu-toggle { display: inline-flex; }
  .main-nav {
    position: absolute;
    top: calc(100% + 1px);
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    display: none;
    padding: 12px 20px 20px;
  }
  .main-nav.open { display: block; }
  .main-nav ul { align-items: stretch; flex-direction: column; }
  .nav-cta { margin-left: 0; }
  .nav-cta .button { width: 100%; margin-top: 6px; }
  .hero-grid, .split, .footer-grid { grid-template-columns: 1fr; }
  .hero-panel { max-width: 620px; }
  .grid-4 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .grid-3 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .cta-band .inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 680px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  .topbar .container { justify-content: center; flex-wrap: wrap; gap: 8px 18px; padding: 9px 0; }
  .brand { max-width: 245px; font-size: .86rem; }
  .nav-wrap { min-height: 72px; }
  .hero { padding-top: 58px; }
  .hero-grid { gap: 32px; }
  .grid-2, .grid-3, .grid-4, .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .section-heading { align-items: flex-start; flex-direction: column; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}
.icon svg { width: 25px; height: 25px; display: block; }