:root{--ink:#0f1f3a;--brand:#14325c;--accent:#e8590c;--accent-ink:#ffffff;--soft:#f3f6fb;--r:12px;--line:#d9dee5}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'Segoe UI', system-ui, -apple-system, Roboto, sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem)}h3{font-size:1.15rem}p{margin:0 0 1em}
a{color:var(--brand);text-underline-offset:3px}a:hover{color:var(--accent)}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--accent);margin-bottom:.6em;display:block}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;box-shadow:0 2px 10px rgba(0,0,0,.05)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 20px}
.logo svg{height:40px;width:auto}
nav{display:none}nav a{color:var(--ink);text-decoration:none;margin:0 10px;font-size:.95rem;font-weight:600}nav a:hover{color:var(--accent)}
.hdr-ctas{display:flex;gap:8px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:var(--accent-ink);font-weight:700;text-decoration:none;padding:13px 22px;border-radius:var(--r);border:2px solid var(--accent);font-size:1rem;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;font-family:inherit;white-space:nowrap}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(0,0,0,.18);color:var(--accent-ink)}
.btn.alt{background:var(--brand);border-color:var(--brand);color:#fff}.btn.alt:hover{color:#fff}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.85)}.btn.ghost:hover{background:#fff;color:var(--ink)}
.btn.sm{padding:9px 14px;font-size:.92rem}
.hdr-call{display:none}
.hero{position:relative;color:#fff;background:var(--ink);overflow:hidden}
.hero>picture img,.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#0f1f3af2 0%,#0f1f3ac4 45%,#0f1f3a55 100%)}
.hero .wrap{position:relative;z-index:2;padding:22px 20px 40px;display:grid;gap:22px;align-items:center}
.hero h1{font-size:clamp(2rem,5.2vw,3.2rem);margin-bottom:.35em}.hero p.lead{font-size:1.12rem;max-width:560px;opacity:.95}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.qbox{background:#fff;color:var(--ink);border-radius:var(--r);padding:22px;box-shadow:0 18px 40px rgba(0,0,0,.28);}
.qbox h2{font-size:1.3rem;margin-bottom:.2em}.qbox .sub{font-size:.92rem;color:#4a5563;margin-bottom:10px}
.trust{background:var(--brand);color:#fff}.trust ul{list-style:none;margin:0;padding:14px 20px;display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;font-weight:600;font-size:.95rem}
.trust li:before{content:"✓";color:var(--accent);margin-right:8px;font-weight:800}
section{padding:60px 0}.soft{background:var(--soft)}
.sec-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px;align-items:center}
.grid{display:grid;gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(0,0,0,.1)}
.card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card .in{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}.card .in p{color:#3c4653;font-size:.97rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none}
.steps{counter-reset:s}.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;position:relative}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-weight:800;font-size:1.2rem;margin-bottom:12px}
.factors li{margin-bottom:10px}.factors strong{color:var(--brand)}
.photo{border-radius:var(--r);box-shadow:0 14px 30px rgba(0,0,0,.14);aspect-ratio:4/3;object-fit:cover;width:100%}
.band{background:var(--accent);color:var(--accent-ink);padding:40px 0}
.band .wrap{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
.band h2{margin:0;font-size:clamp(1.3rem,3vw,1.8rem)}.band p{margin:.3em 0 0}
.band .btn{background:var(--ink);border-color:var(--ink);color:#fff}.band .btn.light{background:#fff;border-color:#fff;color:var(--ink)}
.final{background:var(--ink);color:#fff;text-align:center;padding:64px 0}.final p{opacity:.9;max-width:620px;margin:0 auto 1em}.final .ctas{justify-content:center}
form label{display:block;font-weight:600;margin:10px 0 4px;font-size:.92rem}
input,select,textarea{width:100%;padding:12px 13px;border:1.5px solid #9aa5b1;border-radius:8px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid #e8590c66;border-color:var(--brand)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
form .btn{width:100%;margin-top:14px}.fine{font-size:.8rem;color:#5a6472;margin-top:8px}
.hp{position:absolute;left:-9999px}
details{border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;margin-bottom:10px;background:#fff}summary{font-weight:700;cursor:pointer}details p{margin:.6em 0 0}
.crumbs{font-size:.88rem;padding:12px 20px;color:#4a5563}
.split{display:grid;gap:30px;align-items:start}
.sticky-form{position:sticky;top:90px}
footer{background:#0f1f3a;color:#d7dce3;padding:44px 0 110px;font-size:.93rem}footer a{color:#fff;text-decoration:none}footer a:hover{color:var(--accent)}
footer .grid{gap:26px}footer strong{color:#fff;display:block;margin-bottom:8px}
.mbar{position:fixed;bottom:0;left:0;right:0;z-index:40;display:grid;grid-template-columns:1fr 1fr;box-shadow:0 -4px 14px rgba(0,0,0,.18)}
.mbar a{text-align:center;padding:15px 6px;font-weight:800;text-decoration:none;font-size:1rem}
.mbar .c{background:var(--brand);color:#fff}.mbar .q{background:var(--accent);color:var(--accent-ink)}
@media(min-width:700px){.grid.c3{grid-template-columns:repeat(2,1fr)}.grid.c2{grid-template-columns:repeat(2,1fr)}.hdr-call{display:inline-flex}}
@media(min-width:960px){nav{display:block}.grid.c3{grid-template-columns:repeat(3,1fr)}.hero .wrap{grid-template-columns:1.15fr .85fr;padding:70px 20px 76px}
.split{grid-template-columns:1.4fr 1fr}.mbar{display:none}footer{padding-bottom:44px}footer .grid{grid-template-columns:1.4fr 1fr 1fr}}