:root{
  --blue:#073B73; --blue-dark:#062B53; --turq:#08BFC2;
  --lia:#AEBFD0; --white:#FFFFFF; --ink:#12263A; --soft:#F4F8FB;
  --border:#DCE7EF; --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto}
.container{width:min(calc(100% - 40px),var(--max));margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{width:260px;display:block}
.links{display:flex;align-items:center;gap:25px;font-weight:650;color:var(--blue-dark)}
.links a:hover{color:var(--turq)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:999px;font-weight:750;border:1px solid transparent;transition:.2s}
.btn.primary{background:var(--blue);color:white}
.btn.primary:hover{background:var(--blue-dark);transform:translateY(-1px)}
.btn.ghost{border-color:var(--blue);color:var(--blue);background:#fff}
.hero{padding:84px 0 70px;background:linear-gradient(145deg,#fff 0%,#f4fbfc 52%,#eef5fa 100%);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:64px}
.eyebrow{display:inline-flex;padding:7px 12px;border-radius:999px;background:#e8f8f8;color:var(--blue);font-size:.83rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}
h1{font-size:clamp(2.5rem,5vw,4.8rem);line-height:1.02;margin:20px 0 22px;color:var(--blue-dark);letter-spacing:-.045em}
h1 span{color:var(--turq)}
.lead{font-size:1.18rem;max-width:680px;color:#40576a}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero-card{background:white;border:1px solid var(--border);border-radius:30px;padding:28px;box-shadow:0 24px 70px rgba(6,43,83,.11)}
.flow{display:grid;gap:13px}
.flow-row{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:center;padding:15px;border:1px solid var(--border);border-radius:18px}
.icon{width:44px;height:44px;border-radius:14px;background:#e7f8f8;color:var(--blue);display:grid;place-items:center;font-weight:900}
.flow-row strong{color:var(--blue-dark);display:block}
.flow-row small{color:#607789}
section{padding:82px 0}
.section-head{max-width:760px;margin-bottom:38px}
.kicker{color:var(--turq);font-weight:850;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
h2{font-size:clamp(2rem,3.5vw,3.1rem);line-height:1.08;color:var(--blue-dark);letter-spacing:-.03em;margin:10px 0 16px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--border);border-radius:22px;padding:24px;background:white}
.card .num{font-size:.8rem;color:var(--turq);font-weight:900;letter-spacing:.08em}
.card h3{color:var(--blue-dark);margin:10px 0 8px}
.soft{background:var(--soft)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.panel{padding:34px;border-radius:26px;background:var(--blue-dark);color:white}
.panel h2,.panel h3{color:white}
.panel p{color:#dce9f4}
.tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.tag{padding:9px 13px;border:1px solid rgba(255,255,255,.22);border-radius:999px;font-size:.9rem}
.quote{font-size:clamp(1.8rem,3vw,3rem);font-weight:800;line-height:1.15;color:var(--blue-dark);max-width:900px}
.quote span{color:var(--turq)}
.cta{padding:46px;border-radius:30px;background:linear-gradient(120deg,var(--blue-dark),var(--blue));color:white;display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta h2{color:white;margin:0 0 10px}
.cta p{margin:0;color:#dce9f4}
.cta .btn{background:white;color:var(--blue-dark);white-space:nowrap}
footer{background:#041f3b;color:#d9e6f1;padding:40px 0}
.foot{display:grid;grid-template-columns:1.3fr .7fr;gap:30px;align-items:end}
.foot img{width:230px;background:white;border-radius:12px;padding:8px}
.foot-links{display:flex;justify-content:flex-end;gap:20px;flex-wrap:wrap}
.legal{font-size:.82rem;color:#9fb5c8;margin-top:16px}
.mobile{display:none}
@media(max-width:900px){
 .hero-grid,.split{grid-template-columns:1fr}
 .grid-4{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:1fr}
 .links{display:none}.mobile{display:inline-flex}
 .hero{padding-top:55px}.hero-card{max-width:620px}
 .cta{align-items:flex-start;flex-direction:column}.foot{grid-template-columns:1fr}.foot-links{justify-content:flex-start}
}
@media(max-width:560px){
 .container{width:min(calc(100% - 28px),var(--max))}
 .brand img{width:210px}.grid-4{grid-template-columns:1fr}
 section{padding:64px 0}.hero{padding:45px 0 55px}
}