:root{--navy:#0d1b2e;--navy2:#16294a;--orange:#ff6a13;--ink:#1d2433;--muted:#5b6475;--line:#e3e7ee;--bg:#f6f8fb}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Montserrat,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--orange)}img{max-width:100%}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:18px;letter-spacing:.2px}
.logo b{color:var(--orange)}
header nav a{color:#cfd8e6;text-decoration:none;margin-left:22px;font-weight:600;font-size:15px}
header nav a:hover{color:#fff}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:88px 0 96px}
.hero .eyebrow{color:var(--orange);font-weight:700;letter-spacing:1.5px;text-transform:uppercase;font-size:13px}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.12;margin:12px 0 18px;font-weight:600;max-width:760px}
.hero p{font-size:18px;color:#d5deeb;max-width:640px;margin:0 0 30px}
.btn{display:inline-block;background:var(--orange);color:#fff;font-weight:700;padding:15px 26px;border-radius:10px;text-decoration:none;border:0;font-size:16px;cursor:pointer;font-family:inherit}
.btn:hover{filter:brightness(1.08)}
section{padding:72px 0}section.alt{background:var(--bg)}
h2{font-size:clamp(26px,3.4vw,36px);font-weight:600;margin:0 0 12px;line-height:1.2}
.lead{color:var(--muted);max-width:680px;margin:0 0 36px;font-size:17px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px}
.card h3{margin:0 0 8px;font-size:19px}.card p{margin:0;color:var(--muted)}
.ic{width:42px;height:42px;border-radius:10px;background:#fff1e8;color:var(--orange);display:grid;place-items:center;font-weight:800;margin-bottom:14px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.steps div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.steps div:before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:10px}
.steps h3{margin:0 0 6px;font-size:18px}.steps p{margin:0;color:var(--muted)}
.areas{display:flex;flex-wrap:wrap;gap:10px}.areas span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;font-size:15px}
.cta{background:var(--navy);color:#fff;text-align:center}.cta p{color:#d5deeb;max-width:620px;margin:0 auto 26px}
footer{background:#0a1424;color:#9fb0c8;padding:40px 0;font-size:14px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
footer a{color:#cfd8e6;text-decoration:none;margin-right:18px}footer a:hover{color:#fff}
.legal{max-width:820px;padding:56px 20px 80px;margin:0 auto}
.legal h1{font-size:36px;font-weight:600;margin:0 0 6px}.legal h2{font-size:22px;margin:34px 0 8px}
.legal p,.legal li{color:#384155}.legal .updated{color:var(--muted);margin-bottom:28px}
@media(max-width:640px){header nav a{margin-left:14px;font-size:14px}header nav a.hide-sm{display:none}.hero{padding:64px 0 72px}section{padding:56px 0}}