:root{
  --navy:#0e2a47;--navy2:#123a5e;--blue:#1b5da8;--blue-l:#2e7cd6;
  --ink:#16233a;--body:#42526b;--muted:#6b7a93;
  --bg:#ffffff;--bg-soft:#f4f7fb;--line:#e3eaf3;
  --accent:#f5a623;--accent-d:#d88f10;
  --radius:14px;--shadow:0 10px 30px rgba(14,42,71,.10);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--body);background:var(--bg);line-height:1.65;font-size:16.5px}
h1,h2,h3,h4{color:var(--ink);line-height:1.22;letter-spacing:-.01em}
a{color:var(--blue);text-decoration:none}
img,svg{display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;max-width:1080px;margin:0 auto}
.brand{display:flex;align-items:center;gap:11px}
.brand .mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--navy) 0%,var(--blue-l) 100%);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:15px;letter-spacing:.5px;box-shadow:0 4px 12px rgba(27,93,168,.35)}
.brand .name{font-weight:800;color:var(--ink);font-size:1.02rem;letter-spacing:.02em;line-height:1.1}
.brand .name small{display:block;font-weight:600;color:var(--muted);font-size:.68rem;letter-spacing:.22em}
nav.links{display:flex;gap:26px;align-items:center;flex-wrap:wrap}
nav.links a{color:#3c4a61;font-weight:600;font-size:.93rem;padding:6px 2px;border-bottom:2px solid transparent}
nav.links a:hover,nav.links a.on{color:var(--blue);border-bottom-color:var(--accent)}
.nav .call{background:var(--navy);color:#fff;padding:9px 16px;border-radius:9px;font-weight:700;font-size:.9rem;box-shadow:0 4px 12px rgba(14,42,71,.25)}
.nav .call:hover{background:var(--blue)}

/* hero */
.hero{background:linear-gradient(150deg,#0b2340 0%,#123a5e 55%,#1b5da8 100%);color:#fff;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.09) 1px,transparent 1px);background-size:26px 26px;opacity:.5}
.hero .wrap{position:relative;padding:88px 24px 92px;max-width:1080px}
.kicker{display:inline-block;background:rgba(245,166,35,.16);border:1px solid rgba(245,166,35,.45);color:#ffd58a;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:22px}
.hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.1rem);font-weight:800;max-width:640px;margin-bottom:18px}
.hero h1 em{font-style:normal;color:#ffc766}
.hero p.lead{font-size:1.16rem;max-width:590px;color:#d9e4f2;margin-bottom:34px}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;border-radius:10px;padding:13px 22px;font-size:.98rem;transition:.15s}
.btn.gold{background:var(--accent);color:#20293a}
.btn.gold:hover{background:#ffb83d;transform:translateY(-1px)}
.btn.ghost{border:1.5px solid rgba(255,255,255,.55);color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.solid{background:var(--navy);color:#fff}
.btn.solid:hover{background:var(--blue)}

/* trust band */
.band{background:var(--navy);color:#fff;border-top:1px solid rgba(255,255,255,.12)}
.band .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding:26px 24px}
.band .cell{display:flex;gap:13px;align-items:center}
.band .big{font-weight:800;font-size:1.12rem;color:#fff;line-height:1.15}
.band .sub{font-size:.82rem;color:#a9bdd6}
.band svg{flex:0 0 auto;stroke:#ffc766}

/* sections */
section{padding:74px 0}
section.soft{background:var(--bg-soft)}
.sec-head{max-width:640px;margin-bottom:42px}
.sec-head .tag{color:var(--accent-d);font-weight:800;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:10px}
.sec-head h2{font-size:clamp(1.55rem,3vw,2.15rem);font-weight:800;margin-bottom:12px}
.sec-head p{color:var(--muted);font-size:1.04rem}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;box-shadow:0 2px 8px rgba(14,42,71,.05);transition:.18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#cfe0f2}
.card .ico{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,#eaf2fc,#d8e8fa);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .ico svg{stroke:var(--blue);width:24px;height:24px}
.card h3{font-size:1.08rem;font-weight:800;margin-bottom:9px}
.card p{font-size:.94rem;color:var(--body)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.step .n{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#ffc766;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.95rem;margin-bottom:14px}
.step h3{font-size:1.02rem;margin-bottom:8px}
.step p{font-size:.92rem}

/* about facts */
.split{display:grid;grid-template-columns:1.25fr .9fr;gap:44px;align-items:start}
.facts{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}
.facts h3{font-size:1rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:16px;font-weight:800}
.facts dl{display:grid;grid-template-columns:auto 1fr;gap:9px 16px;font-size:.94rem}
.facts dt{color:var(--muted);font-weight:600;white-space:nowrap}
.facts dd{color:var(--ink);font-weight:700}
.badge{display:inline-block;background:#e8f6ee;color:#137a44;border:1px solid #bfe6d0;font-size:.78rem;font-weight:800;padding:3px 10px;border-radius:999px}

/* cta */
.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 100%);border-radius:18px;color:#fff;padding:46px 44px;display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap;box-shadow:var(--shadow)}
.cta h2{color:#fff;font-size:1.5rem;margin-bottom:6px}
.cta p{color:#cdddf0}

/* contact */
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 2px 8px rgba(14,42,71,.05)}
.contact-card .ico{width:42px;height:42px;border-radius:11px;background:linear-gradient(135deg,#eaf2fc,#d8e8fa);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.contact-card .ico svg{stroke:var(--blue);width:22px;height:22px}
.contact-card h3{font-size:.95rem;margin-bottom:5px}
.contact-card p{font-size:.95rem}
.contact-card a{font-weight:700}

/* legal */
.legal h2{font-size:1.7rem;margin-bottom:6px}
.legal .date{color:var(--muted);font-size:.88rem;margin-bottom:26px}
.legal h3{font-size:1.05rem;margin:26px 0 8px}
.legal ul{margin:0 0 14px 20px}
.legal li{margin-bottom:7px}
.legal p{margin-bottom:13px}

/* footer */
footer{background:#0b1d33;color:#9db1c9;font-size:.92rem;margin-top:0}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:36px;padding:52px 24px 36px;max-width:1080px;margin:0 auto}
footer h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:14px}
footer a{color:#9db1c9}
footer a:hover{color:#ffc766}
footer .fnav a{display:block;margin-bottom:9px}
footer .brandline{display:flex;align-items:center;gap:10px;margin-bottom:14px}
footer .brandline .mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,#1b5da8,#2e7cd6);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:13px}
footer .brandline strong{color:#fff;font-size:1rem}
footer .base{border-top:1px solid rgba(255,255,255,.09);padding:18px 24px;text-align:center;font-size:.8rem;color:#7c93ae}
footer .contactlist p{display:flex;gap:9px;align-items:flex-start;margin-bottom:9px}
footer .contactlist svg{flex:0 0 auto;stroke:#ffc766;margin-top:3px}

/* animations */
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.hero .kicker{animation:rise .5s ease both}
.hero h1{animation:rise .5s .08s ease both}
.hero p.lead{animation:rise .5s .16s ease both}
.hero .btns{animation:rise .5s .24s ease both}

@media(max-width:860px){
  .split{grid-template-columns:1fr}
  .band .wrap{grid-template-columns:1fr;gap:14px;padding:22px 24px}
  footer .cols{grid-template-columns:1fr;gap:28px}
  .cta{padding:34px 26px}
  nav.links{gap:16px}
  .nav{flex-wrap:wrap;gap:10px}
}