:root {
  --navy: #053867; --navy-dark: #032a4a; --blue: #066AAB; --aqua: #10BDC3;
  --sky: #32C2EC; --green: #85D08F; --ink: #161616; --slate: #444;
  --mist: #E8EDEC; --cloud: #F7F7F7; --white: #fff; --radius: 20px;
  --shadow: 0 8px 40px rgba(5,56,103,.10); --shadow-lg: 0 20px 60px rgba(5,56,103,.18);
}
*{box-sizing:border-box}
body{margin:0;font-family:'Poppins',Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
img{max-width:100%;height:auto}
.top{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--mist);backdrop-filter:blur(12px)}
.nav{max-width:1180px;margin:auto;display:flex;align-items:center;gap:32px;padding:14px 20px}
.brand{font-weight:800;font-size:26px;color:var(--navy);letter-spacing:-.03em;display:flex;align-items:center;gap:2px}
.brand span{color:var(--aqua)}
.links{margin-left:auto;display:flex;gap:22px;align-items:center;font-size:14px;font-weight:600;color:var(--ink)}
.links a{color:var(--ink);transition:color .2s}
.links a:hover{color:var(--blue)}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}
.hamburger span{width:24px;height:2.5px;background:var(--navy);border-radius:2px;transition:.2s}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:999px;font-weight:700;font-size:14px;border:none;cursor:pointer;gap:8px;transition:all .2s}
.btn.primary{background:var(--navy);color:#fff}
.btn.primary:hover{background:var(--navy-dark);transform:translateY(-1px);box-shadow:0 6px 20px rgba(5,56,103,.3)}
.btn.secondary{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn.secondary:hover{background:var(--navy);color:#fff}
.btn.cta-aqua{background:var(--aqua);color:var(--navy)}
.btn.cta-aqua:hover{background:#0ea5b0;transform:translateY(-1px)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#064d83 50%,#0d99b5 100%);color:#fff;position:relative;overflow:hidden;min-height:520px}
.hero-slide{display:none}
.hero-slide.active{display:block;animation:heroFade .6s ease}
@keyframes heroFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.hero-dots{display:flex;gap:10px;justify-content:center;margin-top:28px}
.hero-dot{width:10px;height:10px;border-radius:99px;background:rgba(255,255,255,.35);border:none;cursor:pointer;transition:all .3s}
.hero-dot.active{background:var(--aqua);width:28px}
.wrap{max-width:1180px;margin:auto;padding:64px 20px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.eyebrow{color:var(--green);font-weight:800;text-transform:uppercase;letter-spacing:.10em;font-size:12px;margin-bottom:8px}
.hero h1{font-size:clamp(36px,5vw,64px);line-height:1.05;margin:10px 0 16px;letter-spacing:-.04em}
.hero .lead{font-size:clamp(17px,2vw,22px);opacity:.9;max-width:640px;line-height:1.5;margin-bottom:24px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
.panel-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-lg)}
.panel-card h3{margin-top:0;color:var(--navy)}
.panel-card ul{list-style:none;padding:0;margin:0}
.panel-card li{padding:10px 0;border-bottom:1px solid var(--mist);display:flex;align-items:center;gap:10px}
.panel-card li:last-child{border:none}
.panel-card li::before{content:'\2713';color:var(--green);font-weight:700}
.section{padding:72px 0}
.section.soft{background:var(--cloud)}
.section.mist-bg{background:var(--mist)}
.section h2{font-size:clamp(28px,3.5vw,44px);line-height:1.15;color:var(--navy);letter-spacing:-.03em;margin-top:0;margin-bottom:16px}
.section .sub{font-size:19px;color:#666;max-width:700px;margin-bottom:36px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid #e6eeee;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.card .pill{display:inline-block;padding:6px 12px;border-radius:999px;background:#e8fbfc;color:var(--navy);font-weight:700;font-size:12px;margin-bottom:12px}
.card h3{color:var(--navy);font-size:20px;margin:0 0 8px}
.card p{font-size:15px;color:#555;margin:0}
.answer-block{border-left:6px solid var(--aqua);background:#f1fbfc;border-radius:18px;padding:26px;margin:24px 0}
.answer-block strong{display:block;font-size:18px;color:var(--navy);margin-bottom:6px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow)}
.table{width:100%;border-collapse:collapse;background:#fff}
.table th{background:var(--navy);color:#fff;padding:16px 14px;font-size:14px;text-align:left}
.table td{padding:14px;border:1px solid #dce8ea;font-size:14px}
.table tr:nth-child(even){background:#f8fafc}
.accordion{border-radius:var(--radius);overflow:hidden;border:1px solid #e6eeee}
.acc-item{border-bottom:1px solid #e6eeee}
.acc-item:last-child{border:none}
.acc-trigger{width:100%;background:#fff;border:none;padding:18px 22px;text-align:left;font-size:16px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:background .2s}
.acc-trigger:hover{background:var(--cloud)}
.acc-trigger .icon{font-size:20px;transition:transform .3s;color:var(--aqua)}
.acc-item.open .acc-trigger .icon{transform:rotate(45deg)}
.acc-panel{display:none;padding:0 22px 20px;font-size:15px;color:#555}
.acc-item.open .acc-panel{display:block}
.form-card{background:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-lg)}
.form-step{display:none}
.form-step.active{display:block}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-weight:700;font-size:14px;color:var(--ink);margin-bottom:4px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:1.5px solid #dce8ea;border-radius:12px;font-size:15px;transition:border .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--aqua);box-shadow:0 0 0 3px rgba(16,189,195,.15)}
.radio-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.radio-card{border:1.5px solid #dce8ea;border-radius:14px;padding:16px;cursor:pointer;transition:all .2s}
.radio-card:hover{border-color:var(--aqua)}
.radio-card.selected{border-color:var(--navy);background:#f1fbfc}
.radio-card input{display:none}
.radio-card .label{font-weight:700;display:block;font-size:15px;color:var(--navy)}
.radio-card .desc{font-size:13px;color:#777}
.cta-banner{background:linear-gradient(135deg,#052f56,#066AAB);color:#fff;border-radius:28px;padding:40px 48px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.cta-banner h2{color:#fff;margin:0 0 8px}
.cta-banner p{opacity:.85;margin:0}
.footer{background:#071d33;color:#bccbdb}
.footer a{color:#dce8ea}
.footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.footer h4{color:#fff;font-size:15px;margin:0 0 12px}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:8px;font-size:14px}
.footer .disclaimer{font-size:12px;opacity:.75;margin-top:24px;line-height:1.7;border-top:1px solid rgba(255,255,255,.1);padding-top:20px}
.social-links{display:flex;gap:14px;margin-top:12px}
.social-links a{width:36px;height:36px;border-radius:99px;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;font-size:16px;transition:background .2s}
.social-links a:hover{background:rgba(255,255,255,.2)}
.mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--mist);padding:12px 16px;gap:10px;z-index:99;box-shadow:0 -4px 20px rgba(0,0,0,.06)}
.mobile-cta .btn{flex:1;justify-content:center;font-size:15px}
@media(max-width:860px){
  .links{display:none;position:fixed;top:60px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;border-bottom:1px solid var(--mist);gap:16px}
  .links.open{display:flex}
  .hamburger{display:flex;margin-left:auto}
  .hero-grid,.split,.cards{grid-template-columns:1fr}
  .hero{min-height:auto}
  .cta-banner{flex-direction:column;text-align:center;padding:28px 20px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px}
  .mobile-cta{display:flex}
  .radio-grid{grid-template-columns:1fr}
  .section{padding:44px 0}
  body{padding-bottom:66px}
  .table-wrap{font-size:13px}
}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}.hero-actions{flex-direction:column}}