:root{
  --navy:#0f2340;
  --blue:#153a66;
  --teal:#1d8f8a;
  --mint:#e7f7f6;
  --text:#1a2433;
  --muted:#687587;
  --line:#d9e0e8;
  --white:#ffffff;
  --bg:#f6f8fb;
  --shadow:0 18px 45px rgba(15,35,64,.14);
  --max:1220px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.55}
a{text-decoration:none;color:inherit}
.container{width:min(calc(100% - 32px), var(--max));margin:0 auto}
.topbar{background:rgba(15,35,64,.96);color:rgba(255,255,255,.92);font-size:.94rem}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 0;flex-wrap:wrap}
.topbar-left,.topbar-right{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
header{position:sticky;top:0;z-index:50;backdrop-filter:blur(10px);background:rgba(255,255,255,.9);border-bottom:1px solid rgba(15,35,64,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0}
.brand{display:flex;align-items:center;gap:14px;min-width:0}
.brand-mark{width:56px;height:56px;border-radius:18px;background:linear-gradient(145deg,var(--navy),var(--teal));position:relative;box-shadow:var(--shadow);overflow:hidden;flex:0 0 auto}
.brand-mark::before{content:"";position:absolute;width:34px;height:18px;border:3px solid rgba(255,255,255,.92);border-top-left-radius:22px;border-top-right-radius:22px;border-bottom:0;left:10px;top:18px;transform:skewX(-12deg)}
.brand-mark::after{content:"";position:absolute;width:18px;height:18px;border-right:3px solid rgba(255,255,255,.88);border-bottom:3px solid rgba(255,255,255,.88);right:10px;bottom:10px;transform:rotate(45deg);border-radius:2px}
.brand-text .eyebrow{display:block;color:var(--teal);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800;margin-bottom:3px}
.brand-text .name{display:block;font-size:1.28rem;font-weight:800;color:var(--navy);line-height:1.1}
.brand-text .sub{display:block;font-size:.85rem;color:var(--muted);margin-top:3px}
.nav-links{display:flex;align-items:center;gap:28px;font-weight:700;color:var(--navy);flex-wrap:wrap}
.nav-links a:hover{color:var(--teal)}
.cta-btn,.ghost-btn,button{border:0;cursor:pointer;font:inherit;transition:.18s ease}
.cta-btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:999px;background:linear-gradient(135deg,var(--teal),#25a9a4);color:var(--white);font-weight:800;box-shadow:0 14px 28px rgba(29,143,138,.24)}
.ghost-btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:999px;background:rgba(255,255,255,.12);color:var(--white);font-weight:700;border:1px solid rgba(255,255,255,.28)}
.quote-submit{width:100%;padding:15px 18px;border-radius:16px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;font-weight:800;box-shadow:0 14px 28px rgba(15,35,64,.18)}
.cta-btn:hover,.ghost-btn:hover,button:hover{transform:translateY(-1px)}
.hero{position:relative;isolation:isolate;color:#fff;background:linear-gradient(90deg, rgba(9,21,38,.72) 12%, rgba(9,21,38,.30) 46%, rgba(9,21,38,.08) 76%),url('https://images.unsplash.com/photo-1492144534655-ae79c964c9d7?auto=format&fit=crop&w=2200&q=80') center center/cover no-repeat}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(to bottom, rgba(15,35,64,.10), rgba(15,35,64,.48));z-index:-1}
.hero-inner{min-height:920px;display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center;padding:72px 0 84px}
.hero-copy{max-width:690px}
.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:10px 14px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:999px;font-weight:700;font-size:.92rem;margin-bottom:20px;backdrop-filter:blur(7px)}
.hero h1{font-size:clamp(3rem,5vw,5.6rem);line-height:.95;margin:0 0 18px;letter-spacing:-.04em;max-width:10ch}
.hero p{font-size:1.08rem;color:rgba(255,255,255,.94);max-width:54ch;margin:0 0 30px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:28px}
.hero-points{display:flex;flex-wrap:wrap;gap:12px}
.hero-points span{padding:10px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.16);font-weight:700;font-size:.94rem;backdrop-filter:blur(6px)}
.quote-card{justify-self:end;width:min(100%,430px);background:rgba(255,255,255,.98);color:var(--text);border-radius:30px;box-shadow:var(--shadow);padding:28px}
.quote-card h2{margin:0 0 8px;font-size:1.7rem;color:var(--navy);line-height:1.05}
.quote-card p{margin:0 0 20px;color:var(--muted);font-size:.98rem}
.form-grid{display:grid;gap:14px}
.field label{display:block;font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:14px;padding:14px 15px;background:#fff;font:inherit;color:var(--text);outline:none}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(29,143,138,.12)}
.section{padding:88px 0}
.section-head{display:flex;justify-content:space-between;gap:22px;margin-bottom:34px;align-items:end;flex-wrap:wrap}
.kicker,.section-head .kicker{display:inline-block;margin-bottom:10px;color:var(--teal);text-transform:uppercase;letter-spacing:.12em;font-size:.82rem;font-weight:800}
.section-head h2{font-size:clamp(2rem,3vw,3rem);line-height:1.02;margin:0;color:var(--navy);letter-spacing:-.03em}
.section-head p{margin:0;max-width:56ch;color:var(--muted);font-size:1rem}
.trust-strip{margin-top:-42px;position:relative;z-index:2}
.trust-panel{background:#fff;border-radius:26px;box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden;border:1px solid rgba(15,35,64,.06)}
.trust-item{padding:26px 24px;border-right:1px solid #ecf0f4}
.trust-item:last-child{border-right:0}
.trust-item h3{margin:0 0 8px;font-size:1.05rem;color:var(--navy)}
.trust-item p{margin:0;color:var(--muted);font-size:.95rem}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feature-card{background:#fff;border:1px solid rgba(15,35,64,.06);border-radius:24px;padding:26px;box-shadow:0 12px 30px rgba(15,35,64,.06)}
.feature-card .num{width:44px;height:44px;border-radius:14px;background:var(--mint);color:var(--teal);font-weight:800;display:grid;place-items:center;margin-bottom:16px}
.feature-card h3{margin:0 0 10px;color:var(--navy);font-size:1.2rem}
.feature-card p{margin:0;color:var(--muted)}
.split{display:grid;grid-template-columns:1.02fr .98fr;gap:28px;align-items:stretch}
.panel{background:#fff;border-radius:28px;border:1px solid rgba(15,35,64,.06);box-shadow:0 12px 30px rgba(15,35,64,.06);padding:30px}
.about-image{min-height:540px;border-radius:28px;overflow:hidden;background:linear-gradient(180deg, rgba(15,35,64,.04), rgba(15,35,64,.25)),url('https://images.unsplash.com/photo-1549924231-f129b911e442?auto=format&fit=crop&w=1500&q=80') center center/cover no-repeat;box-shadow:var(--shadow)}
.panel h3{margin:0 0 12px;color:var(--navy);font-size:1.9rem;line-height:1.05}
.panel p,.panel li{color:var(--muted);margin-top:0}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}
.stat{background:#f5f8fb;border-radius:18px;padding:18px;border:1px solid #e2e8ef}
.stat strong{display:block;font-size:1.35rem;color:var(--navy);margin-bottom:6px}
.faq-list{display:grid;gap:14px}
details{border:1px solid #e3e9ef;border-radius:18px;background:#fbfcfe;padding:18px 20px}
summary{list-style:none;cursor:pointer;font-weight:800;color:var(--navy)}
summary::-webkit-details-marker{display:none}
details p{margin:12px 0 0}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.contact-tile{background:#f6f8fb;border:1px solid #e1e7ee;border-radius:18px;padding:18px}
.contact-tile h4{margin:0 0 8px;color:var(--navy);font-size:1rem}
.contact-tile p{margin:0;color:var(--muted)}
.checkbox-group{display:grid;gap:12px;padding-top:4px}
.checkbox-item{display:flex;align-items:flex-start;gap:12px;background:#f5f8fb;border:1px solid #dfe7ef;border-radius:16px;padding:14px}
.checkbox-item input{margin-top:3px;width:18px;height:18px;accent-color:var(--teal);flex:0 0 auto}
.checkbox-item label{margin:0;font-size:.93rem;color:#2f3d4f;line-height:1.5;font-weight:500}
.checkbox-item strong a{text-decoration:underline}
.policy-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.policy-panel h3{font-size:1.5rem}
.policy-panel ul{padding-left:20px;margin-top:12px}
footer{background:#091526;color:rgba(255,255,255,.88);padding:70px 0 26px;margin-top:20px}
.footer-grid{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:28px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-brand .brand-text .name,.footer-brand .brand-text .sub,.footer-brand .brand-text .eyebrow{color:#fff}
.footer-brand p,.footer-col li{color:rgba(255,255,255,.74);margin-top:0}
.footer-col h4{margin:0 0 12px;color:#fff;font-size:1rem}
.footer-col ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding-top:22px;color:rgba(255,255,255,.7);font-size:.95rem;flex-wrap:wrap}
.footer-note{margin-top:18px;color:rgba(255,255,255,.72)}
.page-hero{padding:88px 0 40px;background:linear-gradient(180deg,#eef4fb,#f6f8fb)}
.page-hero h1{margin:0 0 12px;color:var(--navy);font-size:clamp(2.4rem,4vw,4rem);letter-spacing:-.03em}
.page-hero p{margin:0;max-width:60ch;color:var(--muted);font-size:1.05rem}
@media (max-width:1120px){.hero-inner,.split,.footer-grid,.policy-grid{grid-template-columns:1fr}.quote-card{justify-self:start}.trust-panel,.features,.stats{grid-template-columns:1fr 1fr}.contact-grid{grid-template-columns:1fr}.about-image{min-height:360px}}
@media (max-width:840px){.nav{flex-wrap:wrap}.nav-links{width:100%;justify-content:center;gap:16px}.hero-inner{min-height:auto;padding:42px 0 56px}.trust-panel,.features,.stats{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid #ecf0f4}.trust-item:last-child{border-bottom:0}.section{padding:72px 0}}
@media (max-width:560px){.topbar-inner,.topbar-left,.topbar-right,.hero-actions,.footer-bottom{flex-direction:column;align-items:flex-start}.quote-card,.panel{padding:24px}.brand-text .name{font-size:1.08rem}.brand-mark{width:52px;height:52px}.hero{background-position:center center}}