:root{--navy:#0B1F3A;--navy2:#12305A;--ink:#14233A;--text:#3B4A5E;--muted:#5F6F84;--blue:#1D5BD8;--blue-d:#1647AA;--blue-50:#EEF4FF;--teal:#0E8F9C;--teal-50:#E6F6F7;--soft:#F5F8FC;--line:#E2E8F0;--r:14px;--sh:0 1px 2px rgba(11,31,58,.05),0 10px 30px rgba(11,31,58,.07);--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}a:hover{color:var(--blue-d)}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;color:var(--ink);line-height:1.18;letter-spacing:-.02em;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2.15rem,4.4vw,3.5rem);font-weight:800}
h2{font-size:clamp(1.7rem,3vw,2.4rem)}
h3{font-size:1.18rem;letter-spacing:-.01em}
h4{font-size:1rem}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:8px}.skip:focus{left:16px;z-index:300;background:#fff;padding:8px 14px;border-radius:8px;box-shadow:var(--sh)}
:focus-visible{outline:3px solid #8DB4FF;outline-offset:2px}
.ico{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
.hdr{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);-webkit-backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:20px;height:78px}
.brand{display:inline-flex;align-items:center;flex:none}.brand img{height:48px;width:auto}
.nav{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav a{color:var(--ink);font-weight:500;font-size:.94rem;padding:8px 11px;border-radius:8px;white-space:nowrap}
.nav a:hover{background:var(--soft);color:var(--blue)}
.nav a[aria-current=page]{color:var(--blue);font-weight:600}
.nav .nav-cta{display:none}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;align-items:center;justify-content:center;color:var(--ink);cursor:pointer}
.menu-btn .ico{width:22px;height:22px}
@media(max-width:1180px){.nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px 20px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(11,31,58,.08);max-height:calc(100vh - 78px);overflow:auto}
.nav.open{display:flex}.nav a{padding:13px 12px;font-size:1rem;border-bottom:1px solid var(--soft)}.nav .nav-cta{display:flex;margin-top:12px;border:0;color:#fff}
.menu-btn{display:inline-flex}.hdr-cta{display:none!important}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:.97rem;padding:13px 22px;border-radius:10px;border:1.5px solid transparent;transition:background .15s,border-color .15s,color .15s;line-height:1.25;text-align:center;cursor:pointer;font-family:inherit}
.btn .ico{width:18px;height:18px}
.btn-p{background:var(--blue);color:#fff;box-shadow:0 6px 16px rgba(29,91,216,.22)}.btn-p:hover{background:var(--blue-d);color:#fff}
.btn-o{border-color:#C8D4E5;color:var(--ink);background:#fff}.btn-o:hover{border-color:var(--blue);color:var(--blue)}
.btn-w{background:#fff;color:var(--navy)}.btn-w:hover{background:var(--blue-50);color:var(--navy)}
.btn-g{border-color:rgba(255,255,255,.5);color:#fff;background:transparent}.btn-g:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-sm{padding:10px 16px;font-size:.92rem}
.link{display:inline-flex;align-items:center;gap:6px;font-weight:600}.link .ico{width:17px;height:17px;transition:transform .15s}.link:hover .ico{transform:translateX(3px)}
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right center;z-index:-2}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(8,24,46,.97) 0%,rgba(8,24,46,.9) 38%,rgba(8,24,46,.45) 66%,rgba(8,24,46,.08) 100%)}
.hero .wrap{padding:112px 24px 120px}
.hero-copy{max-width:660px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
.hero .eyebrow{color:#86DCE4}
.hero h1{color:#fff;margin-bottom:.35em}
.hero .lead{font-size:clamp(1.12rem,1.6vw,1.32rem);color:#E3EBF7;font-weight:600;line-height:1.45;margin-bottom:.9em;font-family:"Plus Jakarta Sans",Inter,sans-serif}
.hero p{color:#C2CFE2;font-size:1.06rem}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
@media(max-width:820px){.hero::before{background:linear-gradient(180deg,rgba(8,24,46,.9),rgba(8,24,46,.86))}.hero-img{object-position:70% center}.hero .wrap{padding:76px 16px 84px}}
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust ul{display:grid;grid-template-columns:repeat(5,1fr);list-style:none;margin:0 auto;padding:0}
.trust li{display:flex;gap:10px;align-items:center;padding:22px 14px;font-weight:600;color:var(--ink);font-size:.92rem;line-height:1.35}
.trust li+li{border-left:1px solid var(--line)}
.trust .ico{color:var(--teal);width:22px;height:22px}
@media(max-width:1000px){.trust ul{grid-template-columns:repeat(2,1fr)}.trust li+li{border-left:0}.trust li{border-bottom:1px solid var(--line)}}
@media(max-width:560px){.trust ul{grid-template-columns:1fr}}

.sec{padding:96px 0}
.soft{background:var(--soft)}
.navy{background:var(--navy);color:#B9C7DB}.navy h2,.navy h3{color:#fff}.navy .eyebrow{color:#86DCE4}.navy .sec-head p{color:#B9C7DB}
.sec-head{max-width:760px;margin:0 0 48px}.sec-head.center{margin:0 auto 52px;text-align:center}
.sec-head p{font-size:1.1rem;color:var(--muted);margin:0}
.g2,.g3,.g4{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column}
a.card{color:inherit;transition:border-color .15s,box-shadow .15s,transform .15s}a.card:hover{border-color:#BBCDEB;box-shadow:var(--sh);transform:translateY(-2px)}
a.card .link{margin-top:auto;padding-top:16px}
.card h3{margin-bottom:.45em}.card p{color:var(--muted);font-size:.97rem;margin:0}
.ic{width:48px;height:48px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;margin-bottom:18px;flex:none}.ic .ico{width:24px;height:24px}
.ic.t{background:var(--teal-50);color:var(--teal)}
.navy .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.12)}.navy .card p{color:#B9C7DB}.navy .ic{background:rgba(134,220,228,.12);color:#86DCE4}
.ticks{list-style:none;padding:0;margin:0}
.ticks li{position:relative;padding-left:30px;margin:10px 0;color:var(--text)}
.ticks li::before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:var(--teal-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E8F9C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.navy .ticks li{color:#C9D5E6}
.ticks.cols{columns:2;column-gap:32px}.ticks.cols li{break-inside:avoid;margin-top:0;margin-bottom:12px}
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}
.split.top{align-items:start}
.photo{border-radius:20px;overflow:hidden;box-shadow:var(--sh);aspect-ratio:4/3;background:var(--soft)}.photo img{width:100%;height:100%;object-fit:cover;object-position:76% center}
.panel{background:var(--soft);border:1px solid var(--line);border-radius:20px;padding:36px}
.navy .panel{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.12)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;list-style:none;padding:0;margin:0}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px}
.step .num{display:inline-flex;align-items:center;justify-content:center;min-width:44px;height:30px;padding:0 10px;border-radius:999px;background:var(--blue-50);color:var(--blue);font-weight:800;font-size:.85rem;letter-spacing:.06em;margin-bottom:16px;font-family:"Plus Jakarta Sans",sans-serif}
.step p{color:var(--muted);margin:0;font-size:.97rem}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.chips li{padding:10px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:500;color:var(--ink);font-size:.95rem}
.cta-band,.cta-banner{background:linear-gradient(135deg,#0B1F3A 0%,#143C70 100%);border-radius:22px;padding:56px;color:#C6D3E7;display:flex;justify-content:space-between;gap:36px;align-items:center}
.cta-band h2,.cta-banner h2,.cta-banner h3{color:#fff;margin-bottom:.35em}.cta-band p,.cta-banner p{margin:0;max-width:620px}
.cta-band .ctas,.cta-banner .cta{display:flex;flex-wrap:wrap;gap:12px;margin:0;flex:none}
.band-sec{padding:0 0 96px}
.page-hero{background:linear-gradient(180deg,#F1F6FD 0%,#fff 100%);padding:64px 0 60px;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2rem,4vw,3.1rem);max-width:860px}
.page-hero .sub{font-size:1.15rem;color:var(--muted);max-width:740px;margin:0}
.page-hero .ctas{margin-top:26px}
.crumbs{font-size:.87rem;color:var(--muted);display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--blue)}
.meta{display:flex;flex-wrap:wrap;gap:6px 16px;color:var(--muted);font-size:.9rem;margin-top:18px}.meta span+span::before{content:"\00B7";margin-right:16px}
.jump{position:sticky;top:78px;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:50}
.jump ul{display:flex;gap:2px;list-style:none;margin:0 auto;padding:0 16px;overflow-x:auto;max-width:var(--max);scrollbar-width:none}
.jump a{display:block;padding:14px 12px;font-size:.88rem;color:var(--muted);white-space:nowrap;font-weight:500}.jump a:hover{color:var(--blue)}
.svc{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;padding:60px 0;border-top:1px solid var(--line);scroll-margin-top:150px}
.svc:first-child{border-top:0}
.svc h2{font-size:clamp(1.5rem,2.4vw,1.95rem)}
.svc .panel{padding:28px 32px}
.svc .panel h3{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
[id]{scroll-margin-top:100px}

.prose-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:64px;align-items:start;padding-top:64px;padding-bottom:80px}
.prose{max-width:740px;font-size:1.05rem}
.prose h2{font-size:1.55rem;margin:1.8em 0 .55em}.prose h2:first-child{margin-top:0}
.prose h3{margin:1.5em 0 .5em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.45em 0}
.prose .lede{font-size:1.2rem;color:var(--ink);line-height:1.6}
.prose a{text-decoration:underline;text-underline-offset:2px}
.prose table{width:100%;border-collapse:collapse;font-size:.95rem;margin:1.5em 0}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}
.prose th{background:var(--soft);color:var(--ink)}
.tbl{overflow-x:auto;margin:1.5em 0}.tbl table{margin:0}
.callout{background:var(--blue-50);border-left:4px solid var(--blue);padding:20px 24px;border-radius:0 12px 12px 0;margin:1.6em 0}
.callout p:last-child{margin:0}
.aside{position:sticky;top:104px}
.box{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.box h3,.box h4{font-size:1.02rem}.box ul{list-style:none;padding:0;margin:0 0 18px}.box li{margin:10px 0;font-size:.95rem}.box p{font-size:.95rem}
.legal-note{background:var(--soft);border:1px solid var(--line);padding:16px 20px;border-radius:12px;font-size:.95rem;margin-top:2em}
.faq-list{max-width:860px}.faq-list.center{margin:0 auto}
.faq-group{margin-bottom:48px}.faq-group h2{font-size:1.4rem;margin-bottom:12px}
details.faq{border-bottom:1px solid var(--line)}
.faq-list>details.faq:first-of-type,.faq-group h2+details.faq{border-top:1px solid var(--line)}
details.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:600;color:var(--ink);font-size:1.07rem;position:relative;font-family:"Plus Jakarta Sans",Inter,sans-serif}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:6px;top:16px;font-size:1.6rem;font-weight:400;color:var(--blue);line-height:1.2}
details.faq[open] summary::after{content:"\2212"}
details.faq .a{padding:0 0 22px;color:var(--text)}details.faq .a p:last-child{margin:0}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.form{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:var(--sh);position:relative}
.form h2{font-size:1.5rem}
.fg2{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px;margin-bottom:18px}
.fld{margin-bottom:18px}.fg2 .fld{margin:0}
.fld label,legend{display:block;font-weight:600;color:var(--ink);font-size:.92rem;margin-bottom:7px;padding:0}
.req{color:#B42318}
.form input[type=text],.form input[type=email],.form input[type=tel],.form select,.form textarea{width:100%;padding:12px 14px;border:1.5px solid #CCD6E3;border-radius:10px;font:inherit;font-size:.98rem;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.form textarea{min-height:120px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,91,216,.15)}
fieldset{border:0;padding:0;margin:0 0 18px;min-width:0}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:8px 18px}
.checks label{display:flex;gap:10px;align-items:flex-start;font-weight:500;color:var(--text);font-size:.95rem;margin:0;cursor:pointer}
.checks input{width:18px;height:18px;accent-color:var(--blue);margin:3px 0 0;flex:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.fine{font-size:.85rem;color:var(--muted);margin:14px 0 0}
.notice{border-radius:12px;padding:14px 18px;margin-bottom:20px;font-size:.95rem;display:none}
.notice.err{background:#FEF3F2;border:1px solid #FECDCA;color:#912018}.notice.show{display:block}
.info-list{list-style:none;padding:0;margin:24px 0 0}
.info-list li{display:flex;gap:14px;align-items:flex-start;padding:18px 0;border-top:1px solid var(--line)}
.info-list .ic{margin:0;width:42px;height:42px}
.info-list strong{display:block;color:var(--ink)}
.ftr{background:var(--navy);color:#A8B7CD;padding:76px 0 30px;font-size:.95rem}
.ftr-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
.ftr .brand{background:#fff;padding:10px 14px;border-radius:12px;margin-bottom:18px}.ftr .brand img{height:44px}
.ftr .tag{color:#E2E9F4;font-weight:600;margin-bottom:8px}
.ftr h4{color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:9px 0}
.ftr a{color:#C8D4E6}.ftr a:hover{color:#fff}
.ftr-bot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;border-top:1px solid rgba(255,255,255,.12);margin-top:56px;padding-top:26px;font-size:.88rem}
.ftr-bot ul{display:flex;flex-wrap:wrap;gap:6px 22px}.ftr-bot li{margin:0}
.center{text-align:center}.muted{color:var(--muted)}.mt0{margin-top:0}
.note-sm{font-size:.9rem;color:var(--muted)}
.after{margin-top:40px;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.sec-head.center+.after,.after.center{justify-content:center}
@media(max-width:1020px){.g4{grid-template-columns:repeat(2,1fr)}.g3,.steps{grid-template-columns:repeat(2,1fr)}.split,.svc,.prose-wrap,.contact-grid{grid-template-columns:1fr;gap:40px}.ftr-grid{grid-template-columns:1fr 1fr}.aside{position:static}.cta-band,.cta-banner{flex-direction:column;align-items:flex-start;padding:44px}}
@media(max-width:640px){.wrap{padding:0 16px}.sec{padding:64px 0}.band-sec{padding-bottom:64px}.g2,.g3,.g4,.steps,.fg2,.checks{grid-template-columns:1fr}.ticks.cols{columns:1}.cta-band,.cta-banner{padding:34px 22px;border-radius:18px}.ctas .btn,.cta .btn,.cta-band .btn{width:100%}.form{padding:24px 18px}.ftr-grid{grid-template-columns:1fr}.page-hero{padding:44px 0 40px}.svc{padding:44px 0}.panel{padding:24px}.hdr .wrap{height:70px}.brand img{height:42px}.nav{top:70px}.jump{top:70px}.prose-wrap{padding-top:44px;padding-bottom:56px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.hdr,.ftr,.jump,.cta-band,.band-sec{display:none}}

.flow{list-style:none;margin:0;padding:0;position:relative}
.flow li{display:flex;gap:16px;align-items:center;padding:12px 0;position:relative}
.flow li:not(:last-child)::after{content:"";position:absolute;left:19px;top:52px;bottom:-12px;width:2px;background:#D5E0EF}
.flow span{width:40px;height:40px;border-radius:50%;background:#fff;border:2px solid var(--blue);color:var(--blue);display:grid;place-items:center;font-weight:800;font-size:.8rem;flex:none;position:relative;z-index:1;font-family:"Plus Jakarta Sans",sans-serif}
.flow strong{display:block;color:var(--ink);font-size:1rem}.flow small{color:var(--muted);font-size:.88rem}
.navy .flow strong{color:#fff}.navy .flow small{color:#A8B7CD}.navy .flow span{background:var(--navy)}
.span2{grid-column:span 2}@media(max-width:640px){.span2{grid-column:auto}}
@media(max-width:1180px) and (min-width:821px){.hero::before{background:linear-gradient(90deg,rgba(8,24,46,.96) 0%,rgba(8,24,46,.88) 55%,rgba(8,24,46,.55) 100%)}}
.card .link{color:var(--blue)}
.aside>*+*{margin-top:16px}.aside .btn{width:100%}
.cta-band,.cta-banner{flex-wrap:wrap}.cta-band>div:first-child,.cta-banner>div:first-child{flex:1 1 420px;min-width:0}
@media(max-width:640px){.cta-band>div:first-child,.cta-banner>div:first-child{flex-basis:auto}}