:root{--navy:#0b2238;--blue:#2455d6;--ice:#f4f8fd;--text:#173047;--muted:#5c7187;--line:#d7e1eb}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"DM Sans",Arial,sans-serif;color:var(--text);line-height:1.65}
a{color:inherit}
img{max-width:100%;height:auto}
.container{width:min(1180px,88%);margin:auto}
.site-header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid #edf1f5}
.nav{min-height:96px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{display:block;width:100px}
.nav-links{display:flex;align-items:center;gap:24px;font-size:15px;white-space:nowrap}
.nav-links a,.footer a{text-decoration:none}
.nav-links a:hover,.footer a:hover{color:var(--blue)}
.nav-links .active{color:var(--blue)}
.nav-links .nav-cta{background:var(--navy);color:white;padding:13px 22px;border-radius:30px;font-weight:700}
.mobile-nav{display:none}
.breadcrumb{padding:22px 0;color:var(--muted);font-size:13px}
.breadcrumb a{text-underline-offset:3px}
.breadcrumb span{margin:0 8px}
.hero{background:var(--ice);padding:58px 0 78px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:64px;align-items:center}
.eyebrow{color:var(--blue);font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;font-weight:500;line-height:1.15}
h1{font-size:clamp(40px,4.5vw,62px);margin-bottom:24px}
h2{font-size:clamp(31px,3.5vw,45px);margin-bottom:20px}
h3{font-size:24px;margin-bottom:12px}
.lead{font-size:18px;line-height:1.75;color:var(--muted);max-width:720px}
.hero-card{background:var(--navy);color:#fff;border-radius:26px;padding:38px}
.hero-card strong{font-family:"Playfair Display",Georgia,serif;font-size:29px;font-weight:500;line-height:1.2;display:block;margin-bottom:16px}
.hero-card p{color:#d0dce6;margin:0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:27px}
.button{display:inline-flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:12px 23px;border-radius:30px;text-decoration:none;font-weight:700;line-height:1.3}
.button-primary{background:var(--navy);color:#fff}
.button-outline{border:1px solid var(--navy);color:var(--navy)}
.button-light{background:#fff;color:var(--navy)}
a:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.section{padding:82px 0}
.section-ice{background:var(--ice)}
.section-navy{background:var(--navy);color:#fff}
.section-intro{max-width:780px;margin-bottom:36px}
.section-intro p,.muted{color:var(--muted)}
.section-navy .section-intro p,.section-navy .muted{color:#d0dce6}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.grid-three{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:27px}
.card p:last-child{margin-bottom:0;color:var(--muted)}
.card h3{font-size:23px}
.card .question{font-weight:700;color:var(--navy)}
.number{color:var(--blue);font-size:13px;font-weight:700;letter-spacing:1px;margin-bottom:15px}
.check-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 30px;padding-left:20px;margin:0}
.check-list li{padding-left:5px}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;margin-top:24px}
.panel p:last-child{margin-bottom:0}
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.steps li{border-top:2px solid var(--blue);padding:21px 8px 0 0}
.steps li::before{counter-increment:step;content:"0" counter(step);display:block;color:var(--blue);font-weight:700;margin-bottom:12px}
.faq{max-width:860px}
.faq details{border-bottom:1px solid var(--line);padding:19px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq p{margin:12px 0 0;color:var(--muted)}
.contact-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.contact-links a{color:#fff;text-underline-offset:3px}
.footer{background:#071a2b;color:#fff;padding:70px 0 30px}
.footer-grid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:35px}
.footer-logo{width:125px;filter:brightness(0) invert(1)}
.footer p,.footer a{color:#a9bdd0;font-size:15px}
.footer h4{font-size:13px;letter-spacing:1px;text-transform:uppercase;margin:0 0 20px}
.footer a{display:block;margin-bottom:10px}
.footer-bottom{border-top:1px solid #345;margin-top:48px;padding-top:20px;color:#9aafc0;font-size:13px;display:flex;justify-content:space-between;gap:16px}
@media(max-width:1100px){.nav-links{gap:14px;font-size:13px}.footer-grid{gap:22px}}
@media(max-width:900px){.nav{min-height:82px}.nav-links{display:none}.mobile-nav{display:block;position:relative}.mobile-nav summary{cursor:pointer;list-style:none;border:1px solid var(--line);border-radius:10px;padding:9px 16px;font-weight:700}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav[open] .mobile-links{position:absolute;right:0;top:48px;width:min(82vw,300px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 15px 30px #071a2b22;padding:12px;display:grid}.mobile-links a{padding:10px;text-decoration:none}.hero-grid{grid-template-columns:1fr;gap:30px}.grid-three{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.container{width:min(100% - 32px,1180px)}.section{padding:62px 0}.hero{padding:35px 0 58px}.grid,.grid-three,.check-list,.steps,.footer-grid{grid-template-columns:1fr}.hero-card{padding:28px}.actions{flex-direction:column}.button{width:100%}.footer-bottom{display:block}.footer-bottom span{display:block}.footer-bottom span+span{margin-top:8px}}