:root {
  --navy: #0a2540;
  --navy-2: #0f3050;
  --deep: #06182b;
  --azure: #1f6feb;
  --azure-2: #4f9cff;
  --teal: #12b5a5;
  --ink: #0c1826;
  --slate: #5b7185;
  --mist: #eef3f8;
  --line: #e2e9f1;
  --white: #ffffff;
  --radius: 14px;
  --wrap: 1120px;
  --shadow: 0 10px 30px rgba(10, 37, 64, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: "Sora", "Inter", sans-serif; color: var(--navy); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.1rem, 4vw, 3.3rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1rem; }
a { color: var(--azure); text-decoration: none; }
a:hover { text-decoration: underline; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.muted { color: var(--slate); }
.center { text-align: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--azure); margin-bottom: 14px; }

/* Buttons */
.btn { display: inline-block; padding: 13px 24px; border-radius: 999px; font-weight: 600; font-size: .98rem; cursor: pointer; border: 1px solid transparent; transition: transform .15s ease, box-shadow .15s ease; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--azure); color: #fff; box-shadow: 0 8px 20px rgba(31, 111, 235, .28); }
.btn-primary:hover { background: #175ac9; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--azure); color: var(--azure); }
.btn-light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.25); }
.btn-light:hover { background: rgba(255,255,255,.2); }

/* Nav */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.9); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; font-family: "Sora", sans-serif; font-weight: 700; color: var(--navy); font-size: 1.12rem; }
.brand img { height: 30px; width: auto; display: block; }
.brand:hover { text-decoration: none; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: var(--ink); font-weight: 500; font-size: .96rem; }
.nav-links a:hover { color: var(--azure); text-decoration: none; }
.nav-cta { display: inline-flex; }
.menu-toggle { display: none; }

/* Hero */
.hero { background: radial-gradient(1200px 500px at 80% -10%, #123a63 0%, var(--navy) 45%, var(--deep) 100%); color: #eaf1f9; padding: 96px 0 108px; position: relative; overflow: hidden; }
.hero h1 { color: #fff; max-width: 15ch; }
.hero p.lede { font-size: 1.2rem; color: #b9cbdd; max-width: 56ch; margin: 18px 0 30px; }
.hero .eyebrow { color: var(--azure-2); }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-badges { display: flex; gap: 26px; flex-wrap: wrap; margin-top: 44px; color: #9fb4c9; font-size: .9rem; }
.hero-badges span { display: flex; align-items: center; gap: 8px; }
.dot { width: 7px; height: 7px; border-radius: 50%; background: var(--teal); display: inline-block; }

/* Sections */
section.block { padding: 84px 0; }
section.tint { background: var(--mist); }
.section-head { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.section-head p { color: var(--slate); font-size: 1.08rem; }

/* Grid + cards */
.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.card h3 { margin-top: 10px; }
.card p { color: var(--slate); margin: 0; font-size: .98rem; }
.icon { width: 46px; height: 46px; border-radius: 12px; background: linear-gradient(135deg, var(--azure), var(--teal)); display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-family: "Sora"; }

/* Stats band */
.stats { background: var(--navy); color: #fff; border-radius: 18px; padding: 40px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat .num { font-family: "Sora"; font-size: 2.2rem; font-weight: 700; color: #fff; }
.stat .lbl { color: #a7bdd3; font-size: .92rem; }

/* Process */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step { position: relative; padding-top: 8px; }
.step .n { width: 38px; height: 38px; border-radius: 50%; background: var(--azure); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-family: "Sora"; margin-bottom: 14px; }
.step h3 { font-size: 1.05rem; }
.step p { color: var(--slate); font-size: .95rem; margin: 0; }

/* Split */
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 54px; align-items: center; }
.list-check { list-style: none; padding: 0; margin: 18px 0 0; }
.list-check li { position: relative; padding-left: 30px; margin-bottom: 12px; color: var(--ink); }
.list-check li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--teal); font-weight: 700; background: rgba(18,181,165,.12); width: 20px; height: 20px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .78rem; }

/* CTA band */
.cta { background: linear-gradient(120deg, var(--navy), #123a63); color: #fff; border-radius: 20px; padding: 56px; text-align: center; }
.cta h2 { color: #fff; }
.cta p { color: #c3d3e4; max-width: 52ch; margin: 0 auto 26px; }

/* Article / legal pages */
.doc { max-width: 820px; margin: 0 auto; padding: 64px 0; }
.doc h1 { margin-bottom: 6px; }
.doc .updated { color: var(--slate); font-size: .9rem; margin-bottom: 34px; }
.doc h2 { font-size: 1.35rem; margin-top: 40px; }
.doc h3 { margin-top: 26px; }
.doc p, .doc li { color: #2b3b4c; }
.doc ul { padding-left: 20px; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.field { display: block; margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy); }
.field input, .field textarea, .field select { width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; font: inherit; color: var(--ink); background: #fff; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--azure); box-shadow: 0 0 0 3px rgba(31,111,235,.12); }
.info-row { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 22px; }
.info-row .icon { flex: 0 0 auto; }

/* Footer */
footer { background: var(--deep); color: #9fb4c9; padding: 60px 0 30px; }
footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 30px; }
footer h4 { color: #fff; font-size: .95rem; margin-bottom: 14px; }
footer a { color: #9fb4c9; display: block; margin-bottom: 9px; font-size: .92rem; }
footer a:hover { color: #fff; text-decoration: none; }
footer .brand { color: #fff; margin-bottom: 14px; }
footer .fine { border-top: 1px solid rgba(255,255,255,.08); margin-top: 40px; padding-top: 22px; font-size: .84rem; color: #6f8298; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }

/* Responsive */
@media (max-width: 900px) {
  .grid-3, .grid-4, .steps, .stats { grid-template-columns: repeat(2, 1fr); }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 32px; }
  .nav-links { display: none; }
  .cta { padding: 40px 26px; }
}
@media (max-width: 560px) {
  .grid-3, .grid-4, .steps, .stats { grid-template-columns: 1fr; }
  section.block { padding: 60px 0; }
  .stats { text-align: center; }
}