:root {
  --navy: #0B2E6B;
  --blue: #1E5BBB;
  --cyan: #00C8F0;
  --cyan-light: #7EE9FF;
  --cyan-soft: #E6F8FD;
  --ink: #14224A;
  --muted: #55658A;
  --line: #E3E8F2;
  --bg: #FFFFFF;
  --radius: 16px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: "Montserrat", system-ui, sans-serif; color: var(--ink); background: var(--bg); line-height: 1.6; }
h1, h2, h3, .brand-name { font-family: "Montserrat", sans-serif; color: var(--navy); line-height: 1.15; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.wrap { width: min(1120px, 100% - 40px); margin-inline: auto; }

.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 42px; width: auto; }
.brand-name { font-weight: 800; font-size: 1.35rem; letter-spacing: 0.5px; }
.brand-name span { color: var(--cyan); }

.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
nav { display: flex; align-items: center; gap: 28px; font-weight: 500; font-size: .95rem; }
nav a:hover { color: var(--navy); }

.btn { display: inline-block; padding: 13px 26px; border-radius: 999px; font-weight: 600; font-size: .98rem; transition: transform .15s, background .15s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--cyan); color: var(--navy); }
.btn-primary:hover { background: var(--cyan-light); }
.btn-ghost { border: 1.5px solid rgba(255,255,255,.4); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.08); }
.btn-small { padding: 9px 20px; font-size: .9rem; }

.hero { background: var(--navy); color: #fff; padding: 96px 0 104px; border-bottom: 6px solid; border-image: linear-gradient(90deg, #0B2E6B, #1E5BBB 55%, #00C8F0) 1; }
.hero .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.eyebrow { color: var(--cyan); font-weight: 600; font-size: .85rem; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 18px; }
.hero h1 { color: #fff; font-weight: 800; font-size: clamp(2.2rem, 5vw, 3.6rem); margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--cyan); }
.hero p.lead { color: #C9D0EA; font-size: 1.1rem; max-width: 52ch; margin-bottom: 34px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-art { display: flex; justify-content: center; }
.hero-art img { width: min(420px, 90%); }

section { padding: 88px 0; }
.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head h2 { font-weight: 800; font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin-bottom: 14px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; background: #fff; transition: box-shadow .2s, transform .2s, border-color .2s; }
.card:hover { transform: translateY(-4px); border-color: var(--cyan); box-shadow: 0 14px 34px rgba(11,18,64,.08); }
.card .tag { display: inline-block; font-family: "Montserrat", sans-serif; font-weight: 700; font-size: .78rem; letter-spacing: .5px; color: var(--navy); background: var(--cyan-soft); padding: 5px 12px; border-radius: 999px; margin-bottom: 18px; }
.card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: .96rem; margin-bottom: 14px; }
.card ul { list-style: none; color: var(--ink); font-size: .92rem; }
.card li { padding-left: 20px; position: relative; margin-bottom: 4px; }
.card li::before { content: ""; position: absolute; left: 0; top: .62em; width: 8px; height: 8px; border-radius: 50%; background: var(--cyan); }

.alt { background: var(--cyan-soft); }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: s; }
.step { background: #fff; border-radius: var(--radius); padding: 28px 24px; counter-increment: s; }
.step::before { content: "0" counter(s); font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1.6rem; color: var(--blue); display: block; margin-bottom: 10px; }
.step h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step p { color: var(--muted); font-size: .93rem; }

.contact { background: var(--navy); color: #fff; }
.contact h2 { color: #fff; }
.contact .section-head p { color: #C9D0EA; }
.contact-box { display: flex; flex-wrap: wrap; gap: 16px; }
.contact-note { margin-top: 22px; color: #9AA4CC; font-size: .9rem; }

footer { background: #071F4D; color: #A9B8DA; padding: 34px 0; font-size: .9rem; }
footer .wrap { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; }
footer .brand img { height: 34px; }

footer a:hover { color: #fff; text-decoration: underline; }

.legal { padding: 72px 0 96px; }
.legal .wrap { max-width: 820px; }
.legal h1 { font-weight: 800; font-size: clamp(1.9rem, 4vw, 2.6rem); margin-bottom: 8px; }
.legal-date { color: var(--muted); font-size: .9rem; margin-bottom: 28px; }
.legal h2 { font-weight: 700; font-size: 1.2rem; margin: 32px 0 10px; }
.legal p, .legal li { color: var(--ink); font-size: 1rem; margin-bottom: 12px; }
.legal ul { padding-left: 22px; margin-bottom: 12px; }
.legal .btn { margin-top: 28px; }

@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-art { order: -1; }
  .hero-art img { width: 240px; }
  .brand img { height: 36px; }
  .grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  nav a:not(.btn) { display: none; }
}
@media (max-width: 600px) {
  .grid, .steps { grid-template-columns: 1fr; }
  section { padding: 64px 0; }
  .hero { padding: 64px 0 72px; }
}