:root{--bg-img:none;--navy:#0a2a66;--blue:#1a5fd0;--accent:#1a5fd0;--bg:#f2f7fe;--ink:#142a4a;--mute:#556b8a;--line:#d6e4f7;--soft:#e4effd;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
header{background:#fff;color:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo img{height:44px;width:auto}
nav ul{list-style:none;display:flex;gap:6px;align-items:center}
nav li{position:relative}
nav a.top{display:block;padding:10px 14px;font-size:.95rem;border-radius:6px}
nav a.top:hover,nav a.top.on{background:var(--soft);color:var(--blue)}
.dd{display:none;position:absolute;top:100%;left:0;background:#fff;color:var(--ink);min-width:220px;border-radius:8px;box-shadow:0 12px 30px rgba(26,95,208,.15);padding:8px;border:1px solid var(--line)}
nav li:hover .dd,nav li:focus-within .dd{display:block}
.dd a{display:block;padding:8px 12px;border-radius:6px;font-size:.92rem}
.dd a:hover{background:var(--soft);color:var(--blue)}
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:12px 22px;border-radius:8px;border:0;cursor:pointer;font-size:.95rem}
.btn:hover{background:#154fb0}
.btn.ghost{background:transparent;color:var(--blue);border:1.5px solid var(--blue)}
.btn.ghost:hover{background:var(--soft)}
.burger{display:none;background:none;border:0;color:var(--navy);font-size:1.7rem;cursor:pointer}
.hero{color:var(--navy);padding:110px 0 120px;background-color:var(--soft);
 background-image:linear-gradient(90deg,rgba(242,247,254,.95),rgba(214,231,252,.72)),var(--bg-img),linear-gradient(135deg,#f2f7fe,#cfe2fa);
 background-size:cover;background-position:center}
.hero h1{font-size:clamp(2rem,5vw,3.3rem);line-height:1.15;max-width:780px}
.hero p{margin:18px 0 28px;max-width:640px;color:#3c5478;font-size:1.1rem}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap}
.page-hero{padding:72px 0 64px}
.crumbs{font-size:.85rem;color:#5d7396;margin-bottom:10px}
.crumbs a:hover{text-decoration:underline}
.stats{margin-top:-60px;position:relative;z-index:5}
.stats .box{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 34px rgba(26,95,208,.12);display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:26px 20px;text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border:0}
.stat b{display:block;font-size:1.8rem;color:var(--blue);line-height:1.2}
.stat span{color:var(--mute);font-size:.9rem}
section{padding:64px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:1.8rem;color:var(--navy);margin-bottom:10px;line-height:1.25}
.eyebrow{color:var(--blue);font-weight:700;font-size:.8rem;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:6px}
.lead{color:var(--mute);max-width:660px;margin-bottom:32px}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.ph{position:relative;overflow:hidden;border-radius:12px;background:linear-gradient(135deg,#e4effd,#bcd7f7);aspect-ratio:4/3}
.ph>img,.ph>svg{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;display:block}
.ph.wide{aspect-ratio:16/9}
.ph.tall{aspect-ratio:3/4}
.cats{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.cat{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.cat:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(26,95,208,.14)}
.cat .ph{border-radius:0;aspect-ratio:16/9}
.cat .in{padding:26px 28px 28px;display:flex;flex-direction:column;gap:10px;flex:1}
.cat h3{font-size:1.5rem;color:var(--navy)}
.cat p{color:var(--mute)}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin:4px 0 8px}
.tags span,.chips span{background:var(--soft);border:1px solid var(--line);font-size:.8rem;padding:3px 10px;border-radius:99px;color:var(--blue)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips span{font-size:.9rem;padding:7px 14px;background:#fff}
.more{color:var(--blue);font-weight:700;margin-top:auto}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;transition:.2s;display:block;overflow:hidden}
.card:hover{border-color:var(--blue);box-shadow:0 10px 26px rgba(26,95,208,.14);transform:translateY(-3px)}
.card .ph{border-radius:0;aspect-ratio:16/10}
.card .in{padding:18px 20px 22px}
.card h3{color:var(--navy);margin-bottom:6px;font-size:1.1rem}
.card p{color:var(--mute);font-size:.93rem}
.card ul{list-style:none;margin-top:10px}
.card li{font-size:.86rem;color:var(--mute);padding:2px 0 2px 18px;position:relative}
.card li:before{content:"\2713";position:absolute;left:0;color:var(--blue);font-weight:800}
.two{display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:start}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.split p{color:var(--mute);margin-bottom:14px}
.panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.panel h3{color:var(--navy);margin-bottom:12px}
.panel .ph{margin-bottom:20px}
.ticks{list-style:none}
.ticks li{padding:7px 0 7px 28px;position:relative;border-bottom:1px dashed var(--line)}
.ticks li:last-child{border:0}
.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--blue);font-weight:800}
.steps{counter-reset:s;list-style:none}
.steps li{counter-increment:s;padding:10px 0 10px 46px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:0;top:8px;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.85rem}
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.why .w{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}
.why .n{font-size:.85rem;font-weight:800;color:var(--blue);letter-spacing:1px}
.why h3{color:var(--navy);margin:6px 0;font-size:1.1rem}
.why p{color:var(--mute);font-size:.94rem}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:p}
.process .p{counter-increment:p;background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px 22px;position:relative}
.process .p:before{content:counter(p);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;margin-bottom:12px}
.process h3{color:var(--navy);font-size:1.05rem;margin-bottom:4px}
.process p{color:var(--mute);font-size:.92rem}
.faqs{max-width:820px;margin:0 auto}
details.faq{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;padding:0}
details.faq summary{cursor:pointer;padding:16px 20px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";font-size:1.3rem;color:var(--blue);line-height:1}
details.faq[open] summary:after{content:"\2212"}
details.faq p{padding:0 20px 18px;color:var(--mute)}
.note{font-size:.85rem;color:var(--mute);margin-top:12px}
.cta{background:linear-gradient(135deg,#e4effd,#c5dcf9);border:1px solid var(--line);color:var(--navy);text-align:center;border-radius:16px;padding:48px 24px}
.cta h2{color:var(--navy)}
.cta p{color:#3c5478;margin:8px 0 22px}
form{display:grid;gap:14px}
label{font-size:.88rem;font-weight:600;color:var(--navy)}
input,select,textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
footer{background:#fff;color:var(--navy);padding:50px 0 24px;margin-top:40px;border-top:1px solid var(--line)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
footer h4{color:var(--navy);margin-bottom:12px;font-size:1rem}
footer a{display:block;padding:3px 0;font-size:.92rem}
footer a:hover{color:var(--blue)}
footer .flogo{display:inline-block;padding:0;margin-bottom:12px}
footer .flogo img{height:44px;width:auto}
.copy{border-top:1px solid var(--line);margin-top:30px;padding-top:18px;font-size:.85rem;color:var(--mute)}
@media(max-width:860px){
 .burger{display:block}
 nav{position:absolute;top:72px;left:0;right:0;background:#fff;display:none;padding:10px 20px 20px;border-bottom:1px solid var(--line)}
 nav.open{display:block}
 nav ul{flex-direction:column;align-items:stretch}
 .dd{position:static;display:block;background:transparent;border:0;box-shadow:none;color:var(--navy);padding:0 0 0 14px}
 .dd a:hover{background:var(--soft);color:var(--blue)}
 .cats,.two,.row,.split{grid-template-columns:1fr}
 .why{grid-template-columns:1fr 1fr}
 .process{grid-template-columns:1fr 1fr}
 .stats .box{grid-template-columns:1fr 1fr}
 .stat:nth-child(2){border-right:0}
 .stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
 .fgrid{grid-template-columns:1fr 1fr}
 .hero{padding:70px 0 90px}
}
@media(max-width:520px){.fgrid,.why,.process{grid-template-columns:1fr}}