:root {--navy:#0A2540;--red:#CD2E3A;--blue:#0047A0;--gold:#D4AF37;--teal:#177577;--charcoal:#111827;--gray:#F5F7FA;--white:#fff;--text:#172033;--muted:#64748b;--border:#e5e7eb;--soft-blue:#eef5ff;--soft-red:#fff1f2;--soft-gold:#fff8df;}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--text);background:white;line-height:1.65}a{color:inherit;text-decoration:none}.container{width:min(1220px,92%);margin:auto}
.topbar{background:var(--charcoal);color:white;font-size:.92rem;padding:.45rem 0}.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--border);z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}.logo{font-weight:950;font-size:1.25rem;color:var(--navy);letter-spacing:-.02em}.logo span{color:var(--red)}.menu{display:flex;align-items:center;gap:13px}.menu a{font-weight:850;font-size:.9rem}.hamb{display:none;background:var(--navy);color:white;border:0;border-radius:10px;padding:10px 12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:white;padding:12px 18px;border-radius:999px;font-weight:950;border:0;cursor:pointer;box-shadow:0 12px 28px rgba(0,71,160,.18)}.btn.secondary{background:white;color:var(--navy);border:1px solid var(--border);box-shadow:none}.btn.red{background:var(--red);color:white}.btn.gold{background:var(--gold);color:var(--navy)}.btn.teal{background:var(--teal);color:white}
.hero{padding:86px 0 66px;background:radial-gradient(circle at 12% 10%,rgba(0,71,160,.14),transparent 25%),radial-gradient(circle at 86% 14%,rgba(205,46,58,.10),transparent 32%),linear-gradient(135deg,#fff,#fff 54%,#eef5ff)}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:center}.eyebrow{color:var(--blue);font-weight:950;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}h1{font-size:clamp(2.35rem,5vw,5.05rem);line-height:1.02;color:var(--navy);margin:12px 0}h2{font-size:clamp(1.75rem,3vw,2.7rem);line-height:1.15;color:var(--navy);margin:0 0 12px}h3{color:var(--navy)}.lead{font-size:1.15rem;color:#475569;max-width:840px}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero-card,.card{background:white;border:1px solid var(--border);border-radius:24px;padding:24px;box-shadow:0 14px 36px rgba(10,37,64,.07)}.hero-card{border-radius:32px;padding:30px;box-shadow:0 28px 80px rgba(10,37,64,.14)}.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}.stat{padding:18px;border-radius:18px;background:var(--gray)}.stat strong{display:block;color:var(--blue);font-size:1.5rem}
section{padding:72px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:22px;flex-wrap:wrap;margin-bottom:28px}.section-head p{max-width:700px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}.grid.four{grid-template-columns:repeat(4,1fr)}.card:hover{transform:translateY(-3px);transition:.2s}.badge{display:inline-block;background:var(--soft-blue);color:var(--blue);font-weight:950;font-size:.8rem;padding:6px 10px;border-radius:999px}.red-badge{background:var(--soft-red);color:var(--red)}.gold-badge{background:var(--soft-gold);color:#705800}.muted{color:var(--muted)}.highlight{background:linear-gradient(135deg,var(--navy),var(--charcoal));color:white;border-radius:32px;padding:42px}.highlight h2,.highlight h3{color:white}.list{padding-left:20px}.list li{margin:8px 0}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:14px;font:inherit}.form{display:grid;gap:14px}.result{background:#eef5ff;border:1px solid #bfdbfe;border-radius:16px;padding:16px;margin-top:12px;font-weight:850;color:var(--navy)}.faq details{border:1px solid var(--border);border-radius:16px;background:white;padding:16px 18px;margin-bottom:12px}summary{font-weight:950;color:var(--navy);cursor:pointer}.timeline{display:grid;gap:14px}.timeline-item{display:grid;grid-template-columns:140px 1fr;gap:18px;background:white;border:1px solid var(--border);border-radius:20px;padding:20px}.timeline-item strong{color:var(--blue);font-size:1.2rem}
footer{background:var(--navy);color:white;padding:54px 0 26px}footer .grid{grid-template-columns:2fr 1fr 1fr 1.4fr}footer a,footer p{color:#dbeafe}.foot-bottom{border-top:1px solid rgba(255,255,255,.16);padding-top:18px;margin-top:28px;color:#dbeafe}.float-wa{position:fixed;right:18px;bottom:18px;background:#25D366;color:white;padding:13px 18px;border-radius:999px;font-weight:950;z-index:30;box-shadow:0 12px 30px rgba(0,0,0,.22)}
@media(max-width:1040px){.hero-grid,.grid,.grid.two,.grid.four,.stat-grid,footer .grid{grid-template-columns:1fr}.timeline-item{grid-template-columns:1fr}.menu{display:none;position:absolute;left:4%;right:4%;top:72px;background:white;border:1px solid var(--border);border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.12);padding:18px;flex-direction:column;align-items:flex-start}.menu.open{display:flex}.hamb{display:block}section{padding:50px 0}}