:root{
  --navy:#002366;
  --ink:#1A1A1A;
  --slate:#708090;
  --bg:#ffffff;
  --alt:#f6f7f9;
  --border:#e6e8ee;
  --border-strong:#d6dae3;
  --shadow: 0 10px 30px rgba(0,0,0,.08);
  --radius: 14px;
  --serif: Georgia, "Times New Roman", Times, serif;
}

*{ box-sizing:border-box; }
html,body{ margin:0; padding:0; }
body{
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}

a{ color: var(--navy); text-decoration: none; }
a:hover{ text-decoration: underline; }

.container{
  width: min(1100px, calc(100% - 48px));
  margin: 0 auto;
}

.topbar{
  position: sticky;
  top: 0;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  z-index: 50;
}

.topbar__inner{
  display:flex;
  align-items:center;
  justify-content: space-between;
  padding: 14px 0;
}

.brand{
  display:flex;
  align-items: baseline;
  gap: 6px;
  font-weight: 700;
  letter-spacing: .2px;
}
.brand__mark{ color: var(--navy); font-size: 16px; }
.brand__name{ color: var(--ink); font-size: 16px; }

.nav{
  display:flex;
  align-items:center;
  gap: 16px;
}
.nav a{ font-weight: 600; font-size: 14px; color: #223; }
.nav a:hover{ opacity:1; text-decoration:none; }
.nav .btn{ color: #fff; }

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 12px 16px;
  border-radius: 999px;
  border: 1px solid var(--navy);
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 14px;
  text-decoration:none;
  box-shadow: 0 8px 18px rgba(0,35,102,.18);
}
.btn:hover{ text-decoration:none; filter: brightness(0.98); }
.btn--ghost{
  background: transparent;
  color: var(--navy);
  box-shadow: none;
}
.btn--small{ padding: 10px 14px; font-size: 13px; color: #fff; }

.hero{ padding: 68px 0 40px; }
.hero__grid{
  display:grid;
  grid-template-columns: 1.35fr .65fr;
  gap: 28px;
  align-items:start;
}
.kicker{
  margin: 0 0 10px;
  font-weight: 700;
  color: var(--slate);
  letter-spacing: .3px;
  font-size: 13px;
  text-transform: uppercase;
}
.hero h1{
  margin: 0 0 14px;
  font-size: 38px;
  line-height: 1.15;
  letter-spacing: -0.2px;
  color: #101218;
  font-family: var(--serif);
  font-weight: 600;
}
.lead{
  margin: 0 0 18px;
  font-size: 16px;
  line-height: 1.65;
  color: #2a2e3a;
}
.hero__cta{
  display:flex;
  gap: 12px;
  flex-wrap: wrap;
  margin: 18px 0 18px;
}
.hero__meta{
  display:flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 10px;
}
.pill{
  border: 1px solid var(--border);
  background: #fff;
  padding: 8px 10px;
  border-radius: 999px;
  font-size: 13px;
  color: #2d3442;
}

.card{
  background: #fff;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
  padding: 20px 20px;
  box-shadow: 0 8px 22px rgba(0,0,0,.06);
}
.hero__card h2{
  margin: 0 0 10px;
  font-size: 16px;
  color:#101218;
  font-family: var(--serif);
  font-weight: 600;
}
.hero__card{
  border-radius: var(--radius);
  border: 1px solid var(--border-strong);
  background: #fff;
  box-shadow: 0 14px 36px rgba(0,0,0,.12);
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}
.hero__card:hover{
  box-shadow: 0 20px 60px rgba(0,0,0,.18);
  transform: translateY(-2px);
}
.checklist{ margin: 0; padding-left: 18px; }
.checklist li{ margin: 10px 0; }
.card__note{
  margin-top: 14px;
  padding: 12px 12px;
  border-left: 3px solid var(--navy);
  background: #f3f6ff;
  border-radius: 10px;
  font-size: 13px;
  color: #2d3442;
}

.section{ padding: 60px 0; }
.section--alt{
  background: var(--alt);
  border-top: 1px solid var(--border-strong);
  border-bottom: 1px solid var(--border-strong);
}
.section h2{
  margin: 0 0 10px;
  font-size: 26px;
  letter-spacing: -0.2px;
  font-family: var(--serif);
  font-weight: 600;
}
.section__lead{
  margin: 0 0 22px;
  color: #2a2e3a;
  max-width: 68ch;
  line-height: 1.65;
}

.grid3{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.split{
  display:grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 18px;
  align-items:start;
}
.callout{
  border: 1px solid var(--border-strong);
  background: #fff;
  border-radius: var(--radius);
  padding: 18px;
}
.actions{ margin-top: 14px; }

.timeline{ display:grid; gap: 12px; margin-top: 18px; position:relative; }
.timeline::before{
  content:'';
  position:absolute;
  left: 17px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--navy), transparent);
}
.step{
  display:grid;
  grid-template-columns: 40px 1fr;
  gap: 12px;
  padding: 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
  position:relative;
  z-index: 1;
}
.step__num{
  width: 34px;
  height: 34px;
  border-radius: 10px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight: 800;
  color: var(--navy);
  background: #f3f6ff;
  border: 1px solid #dfe6ff;
  position:relative;
  z-index: 2;
}

.form{
  display:grid;
  gap: 12px;
  margin-top: 12px;
  padding: 18px;
  border-radius: 12px;
  border: 1px solid var(--border-strong);
  background: #fff;
  box-shadow: 0 6px 18px rgba(0,0,0,.05);
}
label{
  display:grid;
  gap: 6px;
  font-size: 13px;
  font-weight: 700;
  color:#1f2430;
}
input, textarea{
  font: inherit;
  padding: 11px 12px;
  border: 1px solid var(--border-strong);
  border-radius: 12px;
  background: #fff;
}
input:focus, textarea:focus{
  outline: 2px solid rgba(0,35,102,.18);
  border-color: rgba(0,35,102,.35);
}
.btn[type="submit"]{
  position:relative;
}
.btn[type="submit"]:active{
  transform: scale(0.98);
}
.form__hint{ margin: 0; font-size: 12px; color: var(--slate); }

.sep{ border:0; border-top: 1px solid var(--border-strong); margin: 16px 0; }
.muted{ color:#2d3442; }
.legal{ font-size: 12px; color: #2d3442; }

.footer{
  padding: 22px 0;
  background: linear-gradient(135deg, #0d1630 0%, #1a2847 100%);
  color: #e9ecf6;
}
.footer__inner{
  display:flex;
  align-items:center;
  justify-content: space-between;
}
.footer__brand{ font-weight: 800; letter-spacing: .2px; }
.footer__small{ font-size: 12px; opacity: .85; }
.footer__links{ display:flex; gap: 14px; }
.footer__links a{ color:#e9ecf6; opacity:.9; }
.footer__links a:hover{ opacity:1; text-decoration:none; }

@media (max-width: 920px){
  .hero__grid{ grid-template-columns: 1fr; }
  .grid3{ grid-template-columns: 1fr; }
  .split{ grid-template-columns: 1fr; }
  .nav{ display:none; }
}

@media (max-width: 768px){
  .container{
    width: min(100%, calc(100% - 32px));
  }
  .hero{ padding: 40px 0 24px; }
  .hero h1{ font-size: 32px; }
  .section h2{ font-size: 22px; }
  .hero__meta{
    flex-direction: column;
    align-items: flex-start;
  }
  .pill{
    width: 100%;
    text-align: center;
  }
  .timeline::before{
    left: 11px;
  }
}

@media (max-width: 480px){
  .container{
    width: calc(100% - 16px);
  }
  .hero h1{ font-size: 26px; line-height: 1.2; }
  .hero__cta{
    flex-direction: column;
  }
  .btn{
    width: 100%;
  }
  .btn--ghost{
    border-color: var(--border);
  }
  .nav a{ font-size: 12px; }
  .hero__grid{ gap: 16px; }
  .split{ gap: 16px; }
  .grid3{ gap: 12px; }
  .section{ padding: 36px 0; }
  .footer__inner{
    flex-direction: column;
    gap: 14px;
    text-align: center;
  }
  .footer__links{
    flex-direction: column;
    width: 100%;
  }
  .form label{ font-size: 12px; }
}