:root{
  --navy:#0B1F3A;--navy-2:#12305A;--ink:#0F172A;--text:#334155;--muted:#64748B;
  --teal:#0E9F8E;--teal-2:#14B8A6;--teal-soft:#E6F6F4;--bg:#FFFFFF;--bg-2:#F5F8FC;
  --line:#E2E8F0;--radius:14px;--shadow:0 10px 30px rgba(11,31,58,.08);
  --max:1160px;--font:"Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand small{display:block;font-size:.68rem;font-weight:600;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:-2px}
.menu{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.menu a{color:var(--ink);font-weight:600;font-size:.95rem}
.menu a[aria-current="page"]{color:var(--teal)}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;cursor:pointer}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;font-size:.97rem;border:2px solid transparent;transition:.2s;cursor:pointer}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:#0B8A7B}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-outline{border-color:var(--teal);color:var(--teal)}
.menu .btn{color:#fff;padding:10px 18px}

@media (max-width:900px){
  .menu-toggle{display:block}
  .menu{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px 22px;gap:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .menu.open{display:flex}
}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(20,184,166,.28),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#DCE6F2;padding:88px 0 96px;position:relative;overflow:hidden}
.hero h1{color:#fff;max-width:880px}
.hero .lead{font-size:1.2rem;max-width:720px;color:#C9D6E6}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-2);margin-bottom:14px}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.hero .container{position:relative}
.trust{display:flex;flex-wrap:wrap;gap:28px;margin-top:48px;padding-top:28px;border-top:1px solid rgba(255,255,255,.12)}
.trust div{min-width:160px}
.trust strong{display:block;color:#fff;font-size:1.6rem;font-weight:800}
.trust span{font-size:.9rem;color:#A9BBD1}

.page-hero{padding:64px 0 56px}
.page-hero .lead{font-size:1.12rem}
.crumbs{font-size:.85rem;color:#A9BBD1;margin-bottom:14px}
.crumbs a{color:#A9BBD1}

/* sections */
section{padding:80px 0}
.section-alt{background:var(--bg-2)}
.section-head{max-width:760px;margin-bottom:40px}
.section-head p{font-size:1.08rem;color:var(--muted)}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:60px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 1px 2px rgba(15,23,42,.03);transition:.2s;display:flex;flex-direction:column}
a.card{color:inherit}
a.card:hover{text-decoration:none;border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-2px)}
.card p{color:var(--text);font-size:.98rem}
.card .more{margin-top:auto;font-weight:700;color:var(--teal);font-size:.93rem}
.icon{width:46px;height:46px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:24px;height:24px}

.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{position:relative;padding-left:30px;margin-bottom:10px}
.checks li:before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E9F8E' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}

.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(5,1fr)}
@media (max-width:980px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.step:before{counter-increment:s;content:counter(s,decimal-leading-zero);display:block;font-weight:800;font-size:1.5rem;color:var(--teal);margin-bottom:8px}
.step p{font-size:.95rem;margin:0}

.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.panel{background:var(--navy);color:#C9D6E6;border-radius:var(--radius);padding:32px}
.panel h3{color:#fff}
.panel .checks li:before{background-color:rgba(20,184,166,.18)}

.profile{display:flex;gap:22px;align-items:center;margin-bottom:22px}
.avatar{width:96px;height:96px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--navy-2));color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.8rem;flex:none;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover}

/* article */
.prose{max-width:760px}
.prose h2{font-size:1.6rem;margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.summary{background:var(--teal-soft);border-left:4px solid var(--teal);padding:18px 22px;border-radius:0 12px 12px 0;margin:0 0 28px}
.summary p:last-child{margin:0}
.meta{font-size:.9rem;color:#A9BBD1}
table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.95rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--bg-2);color:var(--ink)}
.table-wrap{overflow-x:auto}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:12px}
details[open]{border-color:var(--teal)}
summary{cursor:pointer;font-weight:700;color:var(--ink);list-style:none;position:relative;padding-right:28px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:-2px;font-size:1.4rem;color:var(--teal)}
details[open] summary:after{content:"–"}
details p{margin:12px 0 0}

/* cta */
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#C9D6E6;border-radius:20px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:.3em}
.cta p{margin:0}

.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:14px;align-items:flex-start;margin-bottom:18px}
.contact-list strong{display:block;color:var(--ink)}

/* footer */
.site-footer{background:#08172C;color:#94A3B8;padding:60px 0 30px;font-size:.93rem}
.site-footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
.site-footer a{color:#CBD5E1}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.footer-grid{grid-template-columns:1fr}}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
.site-footer .brand{color:#fff}

.wa-float{position:fixed;right:20px;bottom:20px;width:58px;height:58px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2);z-index:60}
.wa-float svg{width:30px;height:30px;fill:#fff}
.tag{display:inline-block;align-self:flex-start;font-size:.75rem;font-weight:700;color:var(--teal);background:var(--teal-soft);padding:4px 10px;border-radius:999px;margin-bottom:12px}