:root{--navy:#12256b;--navy2:#0b1747;--red:#c91525;--ink:#182033;--muted:#667085;--line:#e7eaf0;--bg:#f7f9fc}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}
.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy2);color:#fff;font-size:13px}
.topbar .container{display:flex;justify-content:center;padding:8px 0}
header{background:#fff;border-bottom:1px solid var(--line)}
.nav{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.brand img{display:block;width:min(390px,43vw);height:auto;max-height:72px;object-fit:contain;object-position:left center}
.menu{display:flex;gap:22px;align-items:center;font-weight:700;font-size:14px}
.menu a{color:#28324a}
.menu a:hover{color:var(--red)}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;padding:13px 20px;font-weight:800;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 8px 22px rgba(201,21,37,.18)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.hero{background:linear-gradient(135deg,#f7f9ff 0%,#fff 58%,#fff5f6 100%);padding:88px 0 82px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.eyebrow{display:inline-block;color:var(--red);font-weight:900;letter-spacing:.09em;text-transform:uppercase;font-size:12px;margin-bottom:15px}
h1{font-size:clamp(42px,5.2vw,68px);line-height:1.03;margin:0 0 22px;color:var(--navy2);letter-spacing:-.035em}
.hero p{font-size:19px;color:#4e5a70;max-width:650px;margin:0 0 30px}
.hero-card{background:#fff;border:1px solid #e5e9f1;border-radius:20px;padding:34px;box-shadow:0 24px 60px rgba(20,37,80,.10)}
.hero-card h3{margin:0 0 10px;color:var(--navy)}
.hero-card p{font-size:15px;margin-bottom:20px}
.flagline{height:6px;border-radius:8px;background:linear-gradient(90deg,var(--navy) 0 50%,var(--red) 50%);margin-bottom:24px}
section{padding:78px 0}
.section-head{max-width:720px;margin-bottom:38px}
.section-head h2{font-size:38px;line-height:1.15;color:var(--navy2);margin:0 0 12px}
.section-head p{color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--line);border-radius:16px;padding:28px;background:#fff;box-shadow:0 8px 25px rgba(18,37,107,.05)}
.card .num{width:40px;height:40px;border-radius:50%;background:#eef2ff;color:var(--navy);display:grid;place-items:center;font-weight:900;margin-bottom:17px}
.card h3{margin:0 0 8px;color:var(--navy2)}
.card p{margin:0;color:var(--muted);font-size:15px}
.cta{background:var(--navy2);color:#fff}
.cta .section-head h2,.cta .section-head p{color:#fff}
.form{display:flex;gap:10px;max-width:620px}
input,textarea{width:100%;border:1px solid #d9dee8;border-radius:8px;padding:14px 15px;font:inherit}
textarea{min-height:150px;resize:vertical}
footer{background:#0a1235;color:#cdd4e5;padding:46px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer h3{color:#fff;margin-top:0}
footer a{color:#cdd4e5}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:13px;display:flex;justify-content:space-between;gap:20px}
.page-hero{padding:64px 0;background:#f4f6fb;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:48px;margin-bottom:10px}
.prose{max-width:850px}
.prose h2{color:var(--navy2);margin-top:38px}
.prose p,.prose li{color:#4e5a70}
.notice{border-left:4px solid var(--red);background:#fff7f8;padding:18px 20px;margin:24px 0}
@media(max-width:850px){.hero-grid,.cards,.footer-grid{grid-template-columns:1fr}.menu{display:none}.nav{min-height:76px}.brand img{width:300px;max-width:75vw}.hero{padding:60px 0}.form{flex-direction:column}.legal{flex-direction:column}}