:root{--blue:#003870;--sky:#e8f1fb;--orange:#FF8300;--orange-d:#c25f00;--peach:#fff1e0;--slate:#162D44;--text:#33475b;--muted:#5b6b7b;--bg:#fffdf9}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Nunito","Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.65;background:var(--bg);overflow-x:hidden;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--blue)}a:hover{color:var(--orange-d)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;z-index:99;border-radius:8px}.skip:focus{left:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,253,249,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid #f0e6d8}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.nav .brand img{height:46px;width:auto;display:block}
.nav ul{display:flex;gap:22px;list-style:none;align-items:center}
.nav ul a{text-decoration:none;color:var(--slate);font-weight:700}
.nav ul a[aria-current=page]{color:var(--orange-d);text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:3px}
.menu-btn{display:none;background:none;border:2px solid var(--slate);border-radius:12px;padding:8px 12px;font:inherit;font-weight:800;color:var(--slate);cursor:pointer}
.btn{display:inline-block;padding:13px 24px;border-radius:16px;font-weight:800;text-decoration:none;box-shadow:0 4px 0 rgba(0,0,0,.12);border:0;cursor:pointer;font:inherit;font-weight:800;line-height:1.3}
.btn-o{background:var(--orange-d);color:#fff!important}.btn-o:hover{background:#a85200}
.btn-b{background:var(--blue);color:#fff!important}.btn-b:hover{background:#002a54}
.btn-w{background:#fff;color:var(--blue)!important;border:2px solid var(--blue)}
.hero{position:relative;padding:48px 0 90px;overflow:hidden;isolation:isolate}
.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:30px;align-items:center}
.hero h1{font-size:3.3rem;line-height:1.1;color:var(--slate);font-weight:900}
.hl{background:linear-gradient(transparent 60%,#ffd3a3 60%)}
.hero p{font-size:1.15rem;margin:20px 0 30px;max-width:520px}
.page-hero{padding:56px 0 40px;position:relative;overflow:hidden;isolation:isolate}
.page-hero h1{font-size:2.8rem;line-height:1.15;color:var(--slate);font-weight:900;max-width:760px}
.page-hero p{font-size:1.15rem;max-width:640px;margin-top:14px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.blob{position:absolute;border-radius:50%;z-index:-1}.b1{width:420px;height:420px;background:var(--sky);right:-120px;top:-60px}.b2{width:180px;height:180px;background:var(--peach);left:-60px;bottom:10px}
.illo svg{width:100%;height:auto;max-width:520px;display:block;margin:auto}
section{padding:72px 0}
h2{font-size:2.3rem;line-height:1.2;color:var(--slate);font-weight:900;text-align:center}
h2.left{text-align:left}
.lead{text-align:center;max-width:600px;margin:10px auto 42px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.card{background:#fff;border-radius:24px;padding:28px;box-shadow:0 12px 30px rgba(22,45,68,.08);position:relative}
.card h3{color:var(--slate);font-size:1.18rem;margin-bottom:6px}
.card p+p{margin-top:8px}
.card .more{display:inline-block;margin-top:12px;font-weight:800}
.ic{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;margin-bottom:14px}
.ic svg{width:30px;height:30px}
.grid .card:nth-child(odd) .ic{background:var(--sky);color:var(--blue)}.grid .card:nth-child(even) .ic{background:var(--peach);color:var(--orange-d)}
.wave{background:var(--sky);border-radius:60px}
.strip{display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:center;padding:22px 24px;background:#fff;border-radius:22px;box-shadow:0 8px 24px rgba(22,45,68,.06);margin-top:-40px;position:relative}
.strip span{font-weight:800;color:var(--slate);display:flex;align-items:center;gap:8px}
.strip span::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--orange)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;text-align:center}
.bubble{width:84px;height:84px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;font-size:2rem;font-weight:900;color:#fff}
.steps>div:nth-child(1) .bubble{background:var(--orange-d)}.steps>div:nth-child(2) .bubble{background:var(--blue)}.steps>div:nth-child(3) .bubble{background:var(--slate)}
.steps h3{color:var(--slate)}
.ticks{list-style:none;margin:14px 0}.ticks li{padding-left:30px;position:relative;margin:8px 0}
.ticks li::before{content:"";position:absolute;left:4px;top:.45em;width:14px;height:8px;border-left:3px solid var(--orange-d);border-bottom:3px solid var(--orange-d);transform:rotate(-45deg)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}
.panel{background:var(--peach);border-radius:32px;padding:44px}
.panel.blue{background:var(--blue);color:#d8e6f5}.panel.blue h2,.panel.blue h3{color:#fff}.panel.blue a:not(.btn){color:#fff}
.prose{max-width:760px}.prose h2{text-align:left;font-size:1.6rem;margin:30px 0 8px}.prose p,.prose ul{margin:10px 0}.prose ul{padding-left:22px}
details{background:#fff;border-radius:18px;padding:18px 22px;box-shadow:0 6px 18px rgba(22,45,68,.06);margin:12px 0}
summary{cursor:pointer;font-weight:800;color:var(--slate);font-size:1.08rem}
details p{margin-top:10px}
.faq{max-width:820px;margin:0 auto}
form.f{display:grid;gap:14px}
.f label{font-weight:800;color:var(--slate);display:block;margin-bottom:4px}
.f input,.f textarea,.f select{width:100%;border:2px solid #e9cfae;border-radius:14px;padding:12px 14px;font:inherit;background:#fff;color:var(--text)}
.f input:focus,.f textarea:focus,.f select:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(0,56,112,.18)}
.hp{position:absolute!important;left:-5000px!important;width:1px;height:1px;overflow:hidden}
.note{font-size:.92rem;color:var(--muted)}
.alert{border-radius:14px;padding:14px 18px;font-weight:700;margin-bottom:6px}
.alert.err{background:#fde8e8;color:#8a1c1c;border:2px solid #f3b4b4}
.alert.ok{background:#e6f6ea;color:#1d5b2c;border:2px solid #a9dcb6}
.hidden{display:none}
footer.site{background:var(--slate);color:#c6d2de;margin-top:72px;padding:50px 0 28px;border-radius:50px 50px 0 0}
footer.site a{color:#fff}
.fgrid{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
.flogo{background:#fff;border-radius:14px;padding:8px 14px;display:inline-block}.flogo img{height:38px;width:auto;display:block}
footer.site ul{list-style:none}footer.site li{margin:6px 0}
footer.site h3{color:#fff;font-size:1rem;margin-bottom:6px}
.copy{margin-top:28px;font-size:.92rem;border-top:1px solid rgba(255,255,255,.12);padding-top:18px}
@media(max-width:900px){
 body{font-size:16px}
 .hero .wrap,.two{grid-template-columns:1fr}.steps{grid-template-columns:1fr}
 .hero h1{font-size:2.3rem}.page-hero h1{font-size:2.1rem}
 .menu-btn{display:block}
 .nav{flex-wrap:wrap}
 .nav ul{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:4px;padding:8px 0 6px}
 .nav ul.open{display:flex}
 .nav ul li{width:100%}.nav ul a{display:block;padding:10px 4px}
 .nav ul .btn{display:inline-block;margin-top:6px;padding:12px 22px}
 .panel{padding:26px}section{padding:52px 0}h2{font-size:1.85rem}.wave{border-radius:36px}
 .illo{max-width:380px;margin:0 auto}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}