:root{--navy:#0F2A44;--blue:#007BFF;--blue-d:#0062cc;--ink:#1d2b3a;--muted:#5b6b7c;--line:#e3e8ee;--bg:#f5f7fa;--white:#fff;--r:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
a{color:var(--blue)}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.nav .logo img{height:34px;width:auto;display:block}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:26px;align-items:center}
.nav a{text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
.nav a.active{color:var(--blue)}
.nav .cta{background:var(--blue);color:#fff;padding:9px 16px;border-radius:10px}
.nav .cta:hover{background:var(--blue-d)}
#menu-toggle{display:none}
.burger{display:none;cursor:pointer;padding:8px;font-size:26px;color:var(--navy);line-height:1}

/* Hero */
.hero{background:var(--navy);color:#fff;padding:72px 0 80px}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 18px;max-width:720px;letter-spacing:-.5px}
.hero h1 span{color:var(--blue)}
.hero p{font-size:19px;color:#c9d6e3;max-width:620px;margin:0 0 30px}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 22px;border-radius:12px;text-decoration:none;font-weight:700;font-size:16px}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-d)}
.btn-ghost{border:2px solid rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:#fff}
.btn-outline{border:2px solid var(--navy);color:var(--navy)}

/* Sections */
section{padding:64px 0}
section.alt{background:var(--bg)}
h2{font-size:32px;color:var(--navy);margin:0 0 10px;letter-spacing:-.3px}
.lead{color:var(--muted);margin:0 0 34px;max-width:680px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card h3{margin:0 0 8px;color:var(--navy);font-size:20px}
.card p{margin:0;color:var(--muted)}
.card ul{margin:10px 0 0;padding-left:20px;color:var(--muted)}
.num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;align-items:center;justify-content:center;margin-bottom:12px}
.tag{display:inline-block;background:#e6f1ff;color:var(--blue-d);font-weight:700;font-size:13px;padding:4px 10px;border-radius:999px;margin-bottom:10px}

/* Page head */
.pagehead{background:var(--navy);color:#fff;padding:52px 0}
.pagehead h1{margin:0 0 8px;font-size:38px}
.pagehead p{margin:0;color:#c9d6e3;max-width:640px}

/* Contact */
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:14px 0;border-bottom:1px solid var(--line)}
.contact-list b{display:block;color:var(--navy)}
.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding:6px 0 6px 30px;position:relative}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:800}

/* Legal */
.legal{max-width:760px}
.legal h2{font-size:22px;margin-top:34px}
.legal h3{font-size:18px;color:var(--navy);margin-top:24px}

/* Footer */
footer{background:var(--navy);color:#c9d6e3;padding:40px 0;font-size:15px}
.foot{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer a{color:#fff;text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none;margin:0;padding:0;display:flex;gap:18px;flex-wrap:wrap}

@media (max-width:820px){
  body{font-size:16px}
  .burger{display:block}
  .nav ul{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line)}
  .nav ul li a{display:block;padding:14px 20px;border-top:1px solid var(--line)}
  .nav .cta{border-radius:0}
  #menu-toggle:checked ~ ul{display:flex}
  .hero{padding:48px 0 56px}
  .hero h1{font-size:32px}
  .hero p{font-size:17px}
  .grid,.grid.two{grid-template-columns:1fr}
  h2{font-size:26px}
  section{padding:48px 0}
  .pagehead h1{font-size:30px}
}
.card ul.checklist{padding-left:0;margin-top:0}
.trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-top:22px;padding-bottom:22px}
.trust div{display:flex;flex-direction:column;padding-left:14px;border-left:3px solid var(--blue)}
.trust b{color:var(--navy);font-size:15px}
.trust span{color:var(--muted);font-size:14px}
.card.faq{margin-bottom:14px}
.card.faq h3{font-size:18px}
@media (max-width:820px){.trust{grid-template-columns:1fr 1fr}}