:root{
  --navy:#153b67;
  --blue:#2e74b5;
  --sky:#eaf3fb;
  --ink:#1e2a36;
  --muted:#5f6f7f;
  --white:#ffffff;
  --border:#d9e4ef;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#f7fafc;line-height:1.6}
a{text-decoration:none;color:var(--navy)}
img{max-width:100%;display:block}
.container{width:min(1180px,92%);margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:10px 0;flex-wrap:wrap}
header{background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.06)}
.navwrap{display:flex;align-items:center;justify-content:space-between;padding:16px 0;gap:20px}
.brand{display:flex;align-items:center;gap:14px;color:var(--ink)}
.brand img{height:60px;width:auto}
.brand-text h1{font-size:24px;margin:0;line-height:1.15;color:var(--navy)}
.brand-text p{margin:2px 0 0;color:var(--muted);font-size:14px}
nav{display:flex;gap:22px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
nav a{font-weight:700;color:var(--navy);font-size:15px}
.btn,.btn-outline{display:inline-block;padding:13px 22px;border-radius:8px;font-weight:700}
.btn{background:var(--blue);color:#fff}
.btn-outline{border:2px solid #fff;color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.hero{background:linear-gradient(135deg,rgba(21,59,103,.94),rgba(46,116,181,.9)), url('logo.jpg') center/contain no-repeat; color:#fff}
.hero .container{padding:96px 0 88px}
.hero-grid{display:grid;grid-template-columns:1.4fr .9fr;gap:34px;align-items:center}
.hero-card{background:rgba(255,255,255,.12);backdrop-filter:blur(2px);border:1px solid rgba(255,255,255,.22);padding:28px;border-radius:16px}
.kicker{letter-spacing:.08em;text-transform:uppercase;font-size:13px;font-weight:700;color:#cfe4ff}
.hero h2{font-size:52px;line-height:1.08;margin:12px 0 18px;max-width:760px}
.hero p{font-size:20px;max-width:760px;color:#eef6ff}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:28px}
.trust div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);padding:14px;border-radius:12px;font-weight:700}
section{padding:70px 0}
.section-title{font-size:36px;color:var(--navy);margin:0 0 12px}
.section-lead{max-width:760px;color:var(--muted);font-size:18px;margin-bottom:28px}
.grid-3,.grid-4,.grid-2{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px;box-shadow:0 8px 30px rgba(18,52,86,.06)}
.card h3{margin-top:0;color:var(--navy)}
.feature-list{padding-left:18px;margin:0}
.band{background:var(--sky)}
.process .step{position:relative;padding-left:58px}
.process .step-num{position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.cta{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff}
.cta .container{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
footer{background:#0f2742;color:#fff;padding:38px 0 26px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}
footer a{color:#dbeaff}
.small{font-size:14px;color:#dbeaff}
.form label{display:block;font-weight:700;margin-top:14px;margin-bottom:6px}
.form input,.form textarea,.form select{width:100%;padding:12px 14px;border:1px solid #b8c8d9;border-radius:10px;font:inherit}
.form button{margin-top:16px;border:none;cursor:pointer}
.badge{display:inline-block;background:#eef6ff;color:var(--navy);padding:6px 10px;border-radius:999px;font-weight:700;font-size:12px}
.table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;border:1px solid var(--border)}
.table th,.table td{padding:14px 16px;border-bottom:1px solid var(--border);text-align:left}
.table th{background:#eff6fd;color:var(--navy)}
.notice{background:#f8fbff;border-left:5px solid var(--blue);padding:18px 20px;border-radius:10px}
@media (max-width: 980px){
  .hero-grid,.grid-3,.grid-4,.grid-2,.footer-grid{grid-template-columns:1fr}
  .hero h2{font-size:40px}
  nav{display:none}
}