:root {
  --navy: #10233f;
  --navy-2: #18375f;
  --navy-3: #244c7a;
  --red: #e1261c;
  --red-dark: #bd1e17;
  --ink: #152033;
  --muted: #5f6b7a;
  --line: #dce3ea;
  --soft: #f2f5f8;
  --warm: #faf9f7;
  --white: #fff;
  --success: #1d6b45;
  --danger: #a7211c;
  --shadow: 0 18px 55px rgba(16, 35, 63, .12);
  --radius: 22px;
  --radius-sm: 12px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, .button { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid #ffb000; outline-offset: 3px; }
.skip-link { position: fixed; top: 12px; left: 12px; z-index: 999; padding: 10px 16px; background: white; color: var(--navy); transform: translateY(-160%); }
.skip-link:focus { transform: translateY(0); }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin-inline: auto; }
.section { padding: 104px 0; }
.section--soft { background: var(--soft); }
.section--navy { color: white; background: var(--navy); }
.section--compact { padding: 70px 0; }
.eyebrow { margin: 0 0 14px; color: var(--red); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.section--navy .eyebrow { color: #ff6a62; }
h1, h2, h3 { margin: 0; color: var(--navy); line-height: 1.08; letter-spacing: -.035em; }
h1 { max-width: 850px; font-size: clamp(2.7rem, 6.2vw, 5.8rem); }
h2 { font-size: clamp(2.1rem, 4.3vw, 3.65rem); }
h3 { font-size: clamp(1.28rem, 2vw, 1.6rem); }
.section--navy h1, .section--navy h2, .section--navy h3 { color: white; }
.lead { max-width: 720px; margin: 24px 0 0; color: var(--muted); font-size: clamp(1.08rem, 1.8vw, 1.3rem); }
.section--navy .lead { color: #d8e3ef; }
.kicker { max-width: 740px; margin: 22px 0 0; color: var(--muted); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.button { display: inline-flex; min-height: 52px; align-items: center; justify-content: center; gap: 9px; padding: 12px 22px; border: 2px solid transparent; border-radius: 999px; font-weight: 800; line-height: 1.2; text-decoration: none; cursor: pointer; transition: transform .2s ease, background .2s ease, border-color .2s ease; }
.button:hover { transform: translateY(-2px); }
.button--primary { color: white; background: var(--red); }
.button--primary:hover { background: var(--red-dark); }
.button--secondary { color: var(--navy); border-color: var(--navy); background: transparent; }
.section--navy .button--secondary, .hero .button--secondary { color: white; border-color: rgba(255,255,255,.7); }
.button--light { color: var(--navy); background: white; }

.site-header { position: sticky; top: 0; z-index: 100; color: white; background: rgba(16,35,63,.97); border-bottom: 1px solid rgba(255,255,255,.12); backdrop-filter: blur(12px); }
.nav-wrap { display: flex; min-height: 82px; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand img { width: 132px; height: auto; }
.nav { display: flex; align-items: center; gap: 5px; }
.nav a, .nav button { display: inline-flex; align-items: center; min-height: 44px; padding: 8px 11px; border: 0; color: #edf4fb; background: transparent; font-size: .92rem; font-weight: 700; text-decoration: none; cursor: pointer; }
.nav a:hover, .nav a[aria-current="page"], .nav button:hover { color: white; background: rgba(255,255,255,.08); border-radius: 8px; }
.nav-cta { margin-left: 8px; border: 1px solid rgba(255,255,255,.35) !important; border-radius: 999px !important; }
.nav-item { position: relative; }
.dropdown { position: absolute; top: calc(100% + 8px); left: 0; display: none; width: 300px; padding: 10px; background: white; border-radius: 14px; box-shadow: var(--shadow); }
.dropdown a { display: flex; color: var(--navy); }
.nav .dropdown a:hover, .nav .dropdown a:focus-visible { color: var(--navy); background: var(--soft); }
.nav-item.is-open .dropdown { display: block; }
.menu-toggle { display: none; width: 46px; height: 46px; padding: 0; border: 1px solid rgba(255,255,255,.35); border-radius: 10px; color: white; background: transparent; }
.menu-toggle span, .menu-toggle::before, .menu-toggle::after { display: block; width: 21px; height: 2px; margin: 5px auto; background: currentColor; content: ""; }

.hero { position: relative; display: grid; min-height: 690px; align-items: center; overflow: hidden; color: white; background: var(--navy); }
.hero::after { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(10,27,50,.98) 0%, rgba(10,27,50,.9) 40%, rgba(10,27,50,.2) 72%, rgba(10,27,50,.05)); content: ""; }
.hero__media { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero__content { position: relative; z-index: 1; width: min(calc(100% - 40px), var(--container)); margin-inline: auto; padding: 92px 0; }
.hero h1 { max-width: 760px; color: white; font-size: clamp(3rem, 6vw, 5.9rem); }
.hero .lead { max-width: 690px; color: #e3ebf3; }
.hero--page { min-height: 520px; }
.hero--page h1 { font-size: clamp(2.8rem, 5vw, 4.7rem); }
.hero--plain { min-height: 440px; background: linear-gradient(135deg, var(--navy), var(--navy-3)); }
.hero--plain::before { position: absolute; inset: 0; opacity: .25; background-image: linear-gradient(90deg, transparent 95%, rgba(255,255,255,.14) 95%), linear-gradient(0deg, transparent 95%, rgba(255,255,255,.12) 95%); background-size: 72px 72px; content: ""; }
.hero--plain::after { background: linear-gradient(90deg, rgba(16,35,63,.96), rgba(16,35,63,.55)); }

.trustbar { color: white; background: var(--red); }
.trustbar__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trustbar__item { padding: 24px 30px; border-right: 1px solid rgba(255,255,255,.3); font-weight: 800; text-align: center; }
.trustbar__item:last-child { border: 0; }
.heading-row { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 48px; }
.heading-row .lead { max-width: 520px; margin: 0; }
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card { position: relative; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
.card--link { transition: transform .2s ease, box-shadow .2s ease; }
.card--link:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.card__number { display: inline-flex; width: 44px; height: 44px; align-items: center; justify-content: center; margin-bottom: 45px; border-radius: 50%; color: white; background: var(--navy); font-size: .9rem; font-weight: 800; }
.card p { margin: 14px 0 0; color: var(--muted); }
.card__link { display: inline-flex; margin-top: 22px; color: var(--red); font-weight: 800; text-decoration: none; }
.card__link::after { margin-left: 8px; content: "→"; }
.card--dark { color: white; background: var(--navy); border-color: var(--navy); }
.card--dark h2, .card--dark h3 { color: white; }
.card--dark p { color: #d6e1ec; }
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: center; gap: 70px; }
.split__media { position: relative; overflow: hidden; border-radius: var(--radius); box-shadow: var(--shadow); }
.split__media img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.split__media--portrait img { aspect-ratio: 4 / 5; object-position: center top; }
.list-check { display: grid; gap: 12px; margin: 28px 0 0; padding: 0; list-style: none; }
.list-check li { position: relative; padding-left: 34px; }
.list-check li::before { position: absolute; top: 6px; left: 0; display: grid; width: 22px; height: 22px; place-items: center; border-radius: 50%; color: white; background: var(--red); content: "✓"; font-size: .75rem; font-weight: 900; }
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.step { counter-increment: step; padding: 28px 24px; border-top: 4px solid var(--red); background: white; box-shadow: 0 10px 30px rgba(16,35,63,.07); }
.step::before { display: block; margin-bottom: 28px; color: var(--red); content: "0" counter(step); font-size: .85rem; font-weight: 900; letter-spacing: .1em; }
.step p { color: var(--muted); }
.quote { position: relative; overflow: hidden; padding: 42px; border-left: 5px solid var(--red); background: var(--soft); font-size: clamp(1.25rem, 2.2vw, 1.75rem); font-weight: 650; }
.quote cite { position: relative; display: block; margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.2); color: #c8d6e5; font-size: .95rem; font-style: normal; font-weight: 700; }
.section--navy .quote { border: 1px solid rgba(255,255,255,.18); border-left: 5px solid var(--red); border-radius: 0 var(--radius) var(--radius) 0; color: white; background: linear-gradient(145deg, rgba(36,76,122,.72), rgba(10,24,43,.78)); box-shadow: 0 22px 55px rgba(0,0,0,.2); }
.section--navy .quote::before { position: absolute; top: -16px; right: 22px; color: rgba(255,255,255,.1); content: "“"; font-family: Georgia, serif; font-size: 8rem; font-weight: 700; line-height: 1; }
.team-card { overflow: hidden; padding: 0; }
.team-card img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; object-position: center top; }
.team-card__body { padding: 26px; }
.team-card__role { margin: 6px 0 0; color: var(--red); font-weight: 800; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { display: flex; min-height: 76px; align-items: center; justify-content: space-between; gap: 20px; cursor: pointer; color: var(--navy); font-size: 1.15rem; font-weight: 800; list-style: none; }
.faq summary::after { color: var(--red); content: "+"; font-size: 1.7rem; }
.faq details[open] summary::after { content: "−"; }
.faq details p { max-width: 780px; margin: 0 0 28px; color: var(--muted); }
.callout { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 52px; border-radius: var(--radius); color: white; background: linear-gradient(135deg, var(--navy), var(--navy-3)); }
.callout h2 { max-width: 700px; color: white; }
.callout p { max-width: 650px; margin: 18px 0 0; color: #d9e4ef; }
.notice { padding: 20px 24px; border-left: 4px solid var(--red); background: #fff4f3; }
.partner-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 34px; }
.partner-heading p:last-child { max-width: 470px; color: var(--muted); }
.partner-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.partner-card { display: grid; min-height: 190px; place-items: center; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: white; transition: transform .2s ease, box-shadow .2s ease; }
.partner-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.partner-card img { max-width: 260px; max-height: 125px; object-fit: contain; }
.partner-card span { color: var(--navy); font-weight: 800; text-align: center; }

.form-shell { display: grid; grid-template-columns: .8fr 1.2fr; gap: 50px; }
.contact-panel { padding: 34px; border-radius: var(--radius); color: white; background: var(--navy); }
.contact-panel h2, .contact-panel h3 { color: white; }
.contact-panel a { color: white; font-weight: 800; }
.contact-list { display: grid; gap: 22px; margin-top: 30px; }
.form { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.field { display: grid; gap: 7px; }
.field--wide { grid-column: 1 / -1; }
label { color: var(--navy); font-size: .92rem; font-weight: 800; }
input, select, textarea { width: 100%; padding: 13px 14px; border: 1px solid #bac5d0; border-radius: 9px; color: var(--ink); background: white; }
textarea { min-height: 150px; resize: vertical; }
input[type="file"] { padding: 11px; background: var(--soft); }
.checkbox { display: flex; align-items: flex-start; gap: 11px; }
.checkbox input { width: 20px; margin-top: 4px; }
.help { margin: 0; color: var(--muted); font-size: .84rem; }
.form-status { display: none; grid-column: 1 / -1; padding: 14px 16px; border-radius: 8px; }
.form-status.is-visible { display: block; }
.form-status--success { color: var(--success); background: #eaf7f0; }
.form-status--error { color: var(--danger); background: #fff0ef; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }

.legal h2 { margin-top: 55px; overflow-wrap: anywhere; font-size: 2rem; hyphens: auto; }
.legal h3 { margin-top: 34px; font-size: 1.35rem; }
.legal p, .legal li { color: #3f4b5d; }
.legal a { color: var(--navy-3); }
.site-footer { color: #dce6f0; background: #0a182b; }
.footer-top { display: grid; grid-template-columns: 1.2fr .8fr .8fr 1fr; gap: 40px; padding: 74px 0 54px; }
.footer-brand img { width: 125px; }
.footer-brand p { max-width: 300px; margin-top: 20px; color: #adbdcc; }
.footer-col h3 { color: white; font-size: 1rem; letter-spacing: 0; }
.footer-col a { display: block; margin-top: 10px; color: #c6d3df; text-decoration: none; }
.footer-col a:hover { color: white; }
.footer-address { margin-top: 10px; color: #adbdcc; font-style: normal; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 22px 0; border-top: 1px solid rgba(255,255,255,.12); color: #9eb0c2; font-size: .88rem; }
.mobile-actions { display: none; }
.privacy-notice { position: fixed; right: 0; bottom: 0; left: 0; z-index: 120; padding: 16px 20px; color: white; background: rgba(10,24,43,.98); border-top: 1px solid rgba(255,255,255,.16); box-shadow: 0 -14px 38px rgba(10,24,43,.24); }
.privacy-notice__inner { display: flex; width: min(100%, var(--container)); margin-inline: auto; align-items: center; justify-content: space-between; gap: 28px; }
.privacy-notice__copy h2 { color: white; font-size: 1.15rem; letter-spacing: -.01em; }
.privacy-notice__copy p { max-width: 780px; margin: 5px 0 0; color: #d8e3ef; font-size: .92rem; line-height: 1.5; }
.privacy-notice__actions { display: flex; flex: 0 0 auto; align-items: center; gap: 12px; }
.privacy-notice__actions a { color: white; font-size: .9rem; font-weight: 750; }
.privacy-notice__actions button { min-height: 44px; padding: 9px 18px; border: 0; border-radius: 999px; color: white; background: var(--red); font-weight: 800; cursor: pointer; }
.privacy-notice__actions button:hover { background: var(--red-dark); }

@media (max-width: 1040px) {
  .menu-toggle { display: block; }
  .nav { position: fixed; top: 82px; right: 0; left: 0; display: none; max-height: calc(100vh - 82px); align-items: stretch; padding: 18px 20px 28px; overflow-y: auto; background: var(--navy); }
  .nav.is-open { display: block; }
  .nav a, .nav button { width: 100%; justify-content: space-between; padding: 12px; }
  .nav-cta { margin: 10px 0 0; justify-content: center !important; }
  .dropdown { position: static; width: auto; margin: 0 8px 10px; box-shadow: none; }
  .split, .form-shell { grid-template-columns: 1fr; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .container, .narrow, .hero__content { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 74px 0; }
  .section--compact { padding: 52px 0; }
  .nav-wrap { min-height: 70px; }
  .brand img { width: 104px; }
  .nav { top: 70px; max-height: calc(100vh - 70px); }
  .hero { min-height: 700px; align-items: end; }
  .hero::after { background: linear-gradient(0deg, rgba(10,27,50,.98) 0%, rgba(10,27,50,.92) 46%, rgba(10,27,50,.42) 100%); }
  .hero__media { object-position: 62% center; }
  .hero__content { padding: 78px 0 68px; }
  .hero h1 { overflow-wrap: anywhere; font-size: clamp(2.35rem, 11.5vw, 3.2rem); hyphens: auto; }
  .hero--page, .hero--plain { min-height: 520px; }
  .button-row, .button { width: 100%; }
  .trustbar__grid { grid-template-columns: 1fr; }
  .trustbar__item { padding: 14px; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.3); }
  .heading-row { display: block; margin-bottom: 36px; }
  .partner-heading { display: block; }
  .partner-grid { grid-template-columns: 1fr; }
  .heading-row .lead { margin-top: 18px; }
  .grid--2, .grid--3, .grid--4, .steps { grid-template-columns: 1fr; }
  .split { gap: 38px; }
  .callout { display: block; padding: 34px 24px; }
  .callout .button { margin-top: 28px; }
  .form { grid-template-columns: 1fr; }
  .field--wide { grid-column: auto; }
  .form-shell { gap: 28px; }
  .contact-panel { padding: 26px; }
  .footer-top { grid-template-columns: 1fr; padding: 55px 0 35px; }
  .footer-bottom { display: block; padding-bottom: 82px; }
  .mobile-actions { position: fixed; right: 0; bottom: 0; left: 0; z-index: 90; display: grid; grid-template-columns: 1fr 1fr; padding: 0; background: var(--navy); box-shadow: 0 -8px 24px rgba(16,35,63,.14); }
  .mobile-actions a { display: flex; min-height: 56px; align-items: center; justify-content: center; color: white; background: var(--navy); font-size: .9rem; font-weight: 800; text-decoration: none; }
  .mobile-actions a:last-child { background: var(--red); }
  .privacy-notice { bottom: 56px; padding: 16px 14px; }
  .privacy-notice__inner { display: grid; gap: 14px; }
  .privacy-notice__copy p { font-size: .86rem; }
  .privacy-notice__actions { justify-content: space-between; }
  .privacy-notice__actions button { min-width: 128px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}