:root{
  --navy:#0B1F3A; --navy-2:#12315a; --teal:#00A8A8; --teal-dk:#007C82; --teal-lt:#E3F6F5;
  --green:#2ECC71; --green-dk:#2E9E4F; --ink:#1c2b3f; --muted:#51627a; --line:#dde5ee; --bg:#f6f9fc; --white:#fff;
  --radius:16px; --shadow:0 10px 30px rgba(11,31,58,.08);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--font);color:var(--ink);line-height:1.65;background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dk)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.container{width:min(1160px,100% - 40px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:4px}

/* header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{height:52px;width:auto}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.nav-links a:hover{color:var(--teal-dk)}
.btn{display:inline-block;background:var(--teal-dk);color:#fff!important;padding:12px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid var(--teal-dk);cursor:pointer;font:inherit;font-weight:700;transition:.2s}
.btn:hover{background:var(--navy);border-color:var(--navy)}
.btn.ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.6)}
.btn.ghost:hover{background:#fff;color:var(--navy)!important;border-color:#fff}
.nav-links .btn{padding:9px 20px;color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;padding:0}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:22px;height:2px;background:var(--navy);margin:auto;position:relative;transition:.2s}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0}
.menu-btn span::before{top:-7px}.menu-btn span::after{top:7px}
.menu-btn[aria-expanded=true] span{background:transparent}
.menu-btn[aria-expanded=true] span::before{top:0;transform:rotate(45deg)}
.menu-btn[aria-expanded=true] span::after{top:0;transform:rotate(-45deg)}

/* hero */
.hero{background:radial-gradient(900px 500px at 85% 10%,rgba(0,168,168,.35),transparent 60%),radial-gradient(600px 400px at 10% 100%,rgba(46,204,113,.18),transparent 60%),linear-gradient(135deg,var(--navy) 0%,#10294b 100%);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero h1{color:#fff}
.hero .grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;color:var(--teal);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;margin-bottom:14px}
.hero .eyebrow{color:#5eead4}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#5eead4,var(--green));-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:1.15rem;color:#cfdcec;max-width:60ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:28px;backdrop-filter:blur(6px)}
.hero-card h2{color:#fff;font-size:1.1rem;margin-bottom:14px}
.pill-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.pill-list li{display:flex;align-items:center;gap:12px;padding:12px 14px;border-radius:12px;background:rgba(255,255,255,.08);font-weight:600}
.pill-list li::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(0,168,168,.25);flex:none}
.pill-list li:nth-child(even)::before{background:var(--green);box-shadow:0 0 0 4px rgba(46,204,113,.25)}

/* sections */
section{padding:88px 0}
.alt{background:var(--bg)}
.section-head{max-width:720px;margin-bottom:48px}
.section-head p{color:var(--muted);font-size:1.08rem}
.cards{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.cards.two{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.card .icon{width:48px;height:48px;border-radius:12px;background:var(--teal-lt);display:grid;place-items:center;margin-bottom:18px;color:var(--teal-dk)}
.card .icon svg{width:26px;height:26px}
.card:nth-child(even) .icon{background:#e6f8ed;color:var(--green-dk)}
.card ul{margin:0;padding-left:1.1em;color:var(--muted)}
.card li{margin-bottom:6px}
.card li::marker{color:var(--teal)}
.note{margin-top:34px;padding:18px 22px;border-left:4px solid var(--teal);background:var(--teal-lt);border-radius:0 12px 12px 0;color:var(--navy);font-size:.95rem}

.why{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:18px}
.checks li{display:grid;grid-template-columns:34px 1fr;gap:14px}
.checks .tick{width:34px;height:34px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:800}
.checks strong{display:block;color:var(--navy)}
.checks span{color:var(--muted)}
.panel{background:linear-gradient(145deg,var(--navy),var(--navy-2));color:#fff;border-radius:22px;padding:40px}
.panel h3{color:#fff;font-size:1.3rem}
.panel p{color:#cfdcec}
.panel dl{margin:20px 0 0;display:grid;gap:12px}
.panel dt{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:#5eead4;font-weight:700}
.panel dd{margin:0;font-weight:600}

.steps{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;position:relative;box-shadow:var(--shadow)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--green));color:#fff;font-weight:800;margin-bottom:16px}
.steps p{color:var(--muted);margin:0}

.regions .card{border-top:4px solid var(--teal)}
.regions .card:nth-child(2){border-top-color:var(--navy)}
.regions .card:nth-child(3){border-top-color:var(--green)}
.regions p{color:var(--muted);margin:0}

.faq{max-width:820px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;padding:0 22px}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--teal-dk);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted)}

.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px}
.contact-info p{color:var(--muted)}
.contact-info address{font-style:normal;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-top:20px}
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.92rem}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #c3cfdd;border-radius:10px;margin-bottom:18px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,168,168,.35);border-color:var(--teal)}
textarea{min-height:130px;resize:vertical}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-note{font-size:.85rem;color:var(--muted);margin:14px 0 0}

/* footer */
.site-footer{background:var(--navy);color:#b9c8dc;padding:64px 0 28px;font-size:.95rem}
.site-footer a{color:#cfe9ea}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
.foot-logo{background:#fff;border-radius:14px;padding:12px 16px;display:inline-block;margin-bottom:18px}
.foot-logo img{height:56px;width:auto}
.site-footer h3{color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.site-footer address{font-style:normal}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:22px;font-size:.85rem}
.legal p{margin:0 0 8px}
.notice{color:#e6f4f4}

/* sub pages */
.page-hero{background:linear-gradient(135deg,var(--navy),#10294b);color:#fff;padding:56px 0}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4vw,2.6rem);margin:0}
.prose{max-width:820px;padding:56px 0 80px}
.prose h2{font-size:1.4rem;margin-top:2em}
.prose li{margin-bottom:6px}

@media (max-width:900px){
  section{padding:64px 0}
  .hero{padding:64px 0}
  .hero .grid,.why,.contact-grid,.foot-grid{grid-template-columns:1fr;gap:32px}
  .menu-btn{display:block}
  .nav-links{position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;display:none;box-shadow:0 14px 24px rgba(11,31,58,.1)}
  .nav-links.open{display:flex}
  .nav-links li a{display:block;padding:14px 4px;border-bottom:1px solid var(--line)}
  .nav-links li:last-child a{border:2px solid var(--teal-dk);text-align:center;margin-top:14px}
  .brand img{height:44px}
}
@media (max-width:560px){
  .row{grid-template-columns:1fr}
  .cards.two{grid-template-columns:1fr}
  form,.card,.panel{padding:22px}
  .hero-cta .btn{width:100%;text-align:center}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.form-status{margin:12px 0 0;font-weight:600}.form-status.ok{color:#0a7a4b}.form-status.err{color:#b3261e}