:root{--navy:#0a1f44;--navy2:#0e3470;--accent:#2f91ff;--accent2:#5aa9ff;--ink:#1a2433;--muted:#5b6b85;--bg:#f6f8fc;--card:#fff;--line:#e4eaf3}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1080px;margin:0 auto;padding:0 22px}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;color:var(--navy);font-size:19px;letter-spacing:-.3px}
.logo span{color:var(--accent)}
.nav ul{list-style:none;display:flex;gap:20px;flex-wrap:wrap}
.nav ul a{color:var(--ink);font-weight:600;font-size:15px}
.nav ul a.active{color:var(--accent)}
.menu-btn{display:none}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:72px 0 64px}
.hero .eyebrow{color:var(--accent2);font-weight:700;letter-spacing:1.5px;text-transform:uppercase;font-size:13px;margin-bottom:14px}
.hero h1{font-size:42px;line-height:1.15;letter-spacing:-1px;margin-bottom:16px;max-width:820px}
.hero p{font-size:19px;color:#c7d6f0;max-width:680px;margin-bottom:26px}
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:13px 24px;border-radius:10px}
.btn:hover{background:#1f7fe6;text-decoration:none}
.btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.4);margin-left:10px}
section{padding:54px 0}
h2{font-size:30px;letter-spacing:-.5px;color:var(--navy);margin-bottom:18px}
h3{font-size:20px;color:var(--navy);margin:22px 0 8px}
p{margin-bottom:14px;color:#33415c}
.lead{font-size:19px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-top:24px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px}
.card h3{margin-top:0}
.card a{font-weight:700}
ul.ticks{list-style:none;margin:14px 0}
ul.ticks li{padding-left:28px;position:relative;margin-bottom:10px;color:#33415c}
ul.ticks li:before{content:"\2192";position:absolute;left:0;color:var(--accent);font-weight:800}
.prose p,.prose li{color:#33415c}
.prose ul{margin:0 0 16px 22px}
.prose li{margin-bottom:8px}
.stats{display:flex;gap:30px;flex-wrap:wrap;margin-top:20px}
.stat b{display:block;font-size:32px;color:var(--accent);font-weight:800}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:18px;padding:42px;text-align:center;margin:10px 0}
.cta h2{color:#fff}
.cta p{color:#c7d6f0}
.faq{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:12px}
.faq b{color:var(--navy)}
.bg-white{background:#fff}
footer.site{background:var(--navy);color:#c7d6f0;padding:46px 0 30px;margin-top:30px}
footer.site a{color:#fff}
.fcols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer h4{color:#fff;margin-bottom:12px;font-size:16px}
footer ul{list-style:none}
footer li{margin-bottom:8px}
.copy{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:14px;color:#90a4c8}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:8px}
@media(max-width:760px){.hero h1{font-size:32px}.nav ul{gap:12px;font-size:14px}.fcols{grid-template-columns:1fr}h2{font-size:25px}}