:root{--navy:#0b2545;--ink:#1c2733;--mute:#5b6b7b;--teal:#0f766e;--teal2:#0d9488;--line:#e5eaf0;--bg:#ffffff;--soft:#f5f8fb}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
a{color:var(--teal);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
header.top{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line);z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--navy);letter-spacing:.2px}
.logo .mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,#c0262d,#7a1119);display:inline-block;position:relative}
.logo .mark:after{content:"";position:absolute;left:8px;top:8px;width:14px;height:14px;border-radius:4px;background:#fff;opacity:.9}
.logo small{font-weight:600;color:var(--mute);font-size:12px;letter-spacing:1.5px;margin-left:2px}
nav a{color:var(--ink);margin-left:22px;font-weight:600;font-size:14.5px}
nav a.cta{background:var(--navy);color:#fff;padding:9px 14px;border-radius:8px}
nav a.cta:hover{text-decoration:none;background:#123a6b}
.hero{padding:84px 0 60px;background:linear-gradient(180deg,#fff 0%,var(--soft) 100%)}
.hero h1{font-size:44px;line-height:1.12;margin:0 0 18px;color:var(--navy);letter-spacing:-.5px;max-width:800px}
.hero p.lead{font-size:19px;color:var(--mute);max-width:720px;margin:0 0 28px}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:13px 20px;border-radius:9px;font-weight:700}
.btn:hover{text-decoration:none;background:#123a6b}
.btn.ghost{background:#fff;color:var(--navy);border:1px solid #c9d3df;margin-left:10px}
.kpis{display:flex;gap:28px;flex-wrap:wrap;margin-top:36px}
.kpis div{border-left:3px solid var(--teal);padding-left:14px}
.kpis b{display:block;font-size:22px;color:var(--navy)}
.kpis span{color:var(--mute);font-size:14px}
section{padding:64px 0}
section.alt{background:var(--soft)}
h2{font-size:30px;color:var(--navy);margin:0 0 10px;letter-spacing:-.3px}
.sub{color:var(--mute);font-size:17px;max-width:720px;margin:0 0 34px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.card h3{margin:0 0 8px;font-size:18px;color:var(--navy)}
.card p{margin:0;color:#3a4856;font-size:15px}
.num{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:12px;font-size:15px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.check{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px 28px}
.check li{padding-left:30px;position:relative;color:#3a4856;font-size:15.5px}
.check li:before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;border-radius:50%;background:var(--teal);
 -webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/14px no-repeat;
 mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/14px no-repeat}
.quote{border-left:4px solid var(--navy);padding:6px 0 6px 20px;font-size:20px;color:var(--navy);font-weight:600;max-width:820px;margin:0}
.brand{display:flex;gap:26px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.brand .badge{flex:0 0 150px;height:70px;border-radius:40px;background:#0033a0;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:26px;letter-spacing:1px;border:4px solid #fff;box-shadow:0 0 0 3px #0033a0}
.brand p{margin:6px 0 0;color:#3a4856;font-size:15px}
.contact{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:start}
.contact .card p{font-size:15.5px}
footer{border-top:1px solid var(--line);padding:30px 0;color:var(--mute);font-size:13.5px}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
footer a{color:var(--mute);margin-right:16px}
/* legal pages */
.legal{max-width:780px;margin:0 auto;padding:48px 22px 80px}
.legal h1{font-size:30px;color:var(--navy);margin:0 0 4px}
.legal .meta{color:var(--mute);font-size:13.5px;margin-bottom:22px}
.legal h2{font-size:19px;margin:28px 0 8px}
.legal p,.legal li{font-size:15px;color:#33414f}
.legal .box{background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:16px 0}
@media(max-width:820px){.grid,.grid.two,.steps,.check,.contact{grid-template-columns:1fr}.hero h1{font-size:34px}nav a:not(.cta){display:none}.brand{flex-direction:column;align-items:flex-start}}