:root{
  --navy:#071b31;--navy2:#0d3558;--teal:#0a8f8b;--teal2:#18c1b6;
  --ink:#13273a;--muted:#64788a;--line:#dbe5ec;--bg:#f5f9fb;--white:#fff;
  --shadow:0 20px 60px rgba(7,27,49,.12);--radius:22px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
h1,h2,h3,h4{font-family:Manrope,Arial,sans-serif;line-height:1.1;margin:0 0 18px;color:var(--navy)}
p{margin:0 0 18px}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 40px));margin:auto}.section{padding:96px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.78rem;color:var(--teal);margin-bottom:14px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:12px;font-weight:800;border:1px solid transparent;transition:.2s}
.btn:hover{transform:translateY(-2px)}.btn-primary{background:linear-gradient(135deg,var(--teal),#087873);color:#fff;box-shadow:0 12px 28px rgba(10,143,139,.25)}
.btn-dark{background:var(--navy);color:#fff}.btn-light{background:#fff;color:var(--navy);border-color:var(--line)}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(16px);border-bottom:1px solid rgba(219,229,236,.9)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between}.logo img{width:290px;max-height:60px}
.navlinks{display:flex;gap:28px;align-items:center}.navlinks a{font-weight:700;font-size:.92rem}.navlinks a:hover,.navlinks a.active{color:var(--teal)}
.menu{display:none;background:none;border:0;font-size:1.6rem}
.hero{padding:90px 0;background:radial-gradient(circle at 70% 15%,rgba(24,193,182,.12),transparent 30%),linear-gradient(180deg,#f8fcfe,#edf6f9)}
.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:70px;align-items:center}
.hero h1{font-size:clamp(3rem,6vw,5.4rem);letter-spacing:-.05em}.hero h1 span{color:var(--teal)}
.hero p.lead{font-size:1.14rem;color:var(--muted);max-width:720px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin:32px 0}
.trust{display:flex;gap:24px;flex-wrap:wrap;font-weight:700;font-size:.88rem;color:var(--navy2)}.trust span:before{content:"●";color:var(--teal);font-size:.62rem;margin-right:8px}
.hero-card{position:relative}.hero-card img{border-radius:28px;box-shadow:var(--shadow)}
.floating{position:absolute;background:#fff;border-radius:16px;box-shadow:0 18px 50px rgba(7,27,49,.18);padding:18px 20px}
.floating b{display:block;color:var(--navy)}.floating small{color:var(--muted)}.f1{left:-30px;top:70px}.f2{right:-20px;bottom:40px;background:var(--teal);color:#fff}.f2 b,.f2 small{color:#fff}
.stats{background:var(--navy);color:#fff;padding:34px 0}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px}
.stat strong{font-size:1.6rem;display:block}.stat span{color:rgba(255,255,255,.68);font-size:.9rem}
.heading{max-width:760px;margin-bottom:46px}.heading h2{font-size:clamp(2.2rem,4vw,3.6rem);letter-spacing:-.04em}.heading p{color:var(--muted);font-size:1.05rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{border:1px solid var(--line);border-radius:18px;padding:30px;background:#fff;transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:0 18px 44px rgba(7,27,49,.08);border-color:rgba(10,143,139,.45)}
.card .icon{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;background:#e5f7f5;color:var(--teal);font-weight:900;margin-bottom:22px}
.card h3{font-size:1.25rem}.card p{color:var(--muted);font-size:.94rem}.card ul{padding-left:18px;color:var(--muted)}
.dark-card{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-color:transparent}.dark-card h3{color:#fff}.dark-card p,.dark-card li{color:rgba(255,255,255,.72)}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}.panel{padding:46px;border-radius:24px;background:linear-gradient(145deg,var(--teal),var(--navy));color:#fff;box-shadow:var(--shadow)}.panel h2{color:#fff}.panel .eyebrow{color:#b8f3ef}
.checks{display:grid;gap:14px}.check{display:flex;gap:12px;align-items:flex-start}.check i{width:26px;height:26px;display:grid;place-items:center;border-radius:50%;background:#dff6f4;color:var(--teal);font-style:normal;font-weight:900;flex:0 0 auto}
.steps{display:grid;gap:16px}.step{display:grid;grid-template-columns:48px 1fr;gap:18px;padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff}.step span{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--teal);color:#fff;font-weight:900}.step p{margin:0;color:var(--muted)}
.band{background:var(--bg)}.cta{background:linear-gradient(135deg,var(--navy),#0c4466);color:#fff;border-radius:28px;padding:56px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.cta h2{color:#fff;font-size:clamp(2rem,4vw,3.2rem)}.cta p{color:rgba(255,255,255,.72)}
.quote{padding:30px;border-left:4px solid var(--teal);background:#f8fcfd;border-radius:0 18px 18px 0}.quote p{font-size:1.12rem}.quote cite{font-style:normal;color:var(--muted)}
.page-hero{padding:88px 0;background:linear-gradient(135deg,#f8fcfe,#e7f3f7)}.page-hero h1{font-size:clamp(2.8rem,5vw,4.8rem);max-width:900px}.page-hero p{max-width:760px;color:var(--muted);font-size:1.08rem}
.article-list{display:grid;gap:18px}.article{padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}.article .meta{font-size:.8rem;color:var(--teal);font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.form{display:grid;gap:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form label{display:grid;gap:7px;font-weight:700;font-size:.86rem}.form input,.form textarea,.form select{padding:14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fbfdfe}.form input:focus,.form textarea:focus,.form select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(10,143,139,.12)}
.footer{background:#061524;color:rgba(255,255,255,.72);padding:64px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr 1fr;gap:40px}.footer h4{color:#fff}.footer a{display:block;margin:7px 0}.footer a:hover{color:#7fe4dd}.footer-logo{width:260px;filter:brightness(0) invert(1);opacity:.95}.footer-bottom{margin-top:42px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:20px;font-size:.8rem}
.badges{display:flex;flex-wrap:wrap;gap:10px}.badge{padding:8px 12px;border-radius:999px;background:#e8f5f5;color:var(--navy);font-size:.82rem;font-weight:800}
@media(max-width:980px){.hero-grid,.split,.cta{grid-template-columns:1fr}.grid3{grid-template-columns:repeat(2,1fr)}.grid4,.stats-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}.hero-card{max-width:760px}.f1{left:10px}}
@media(max-width:760px){.navlinks{display:none;position:absolute;top:82px;left:20px;right:20px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:var(--shadow)}.navlinks.open{display:grid}.menu{display:block}.logo img{width:235px}.hero{padding:65px 0}.section{padding:72px 0}.grid3,.grid4,.stats-grid,.footer-grid,.form-row{grid-template-columns:1fr}.cta{padding:34px}.floating{position:static;margin:12px 0}.hero h1{font-size:2.8rem}.page-hero h1{font-size:2.6rem}.footer-bottom{flex-direction:column}}