:root{
  --navy:#0f172a;
  --blue:#1d4ed8;
  --sky:#e0f2fe;
  --slate:#334155;
  --light:#f8fafc;
  --white:#ffffff;
  --accent:#f97316;
  --success:#16a34a;
  --border:#dbeafe;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--navy);background:#fff;line-height:1.6}
a{color:var(--blue);text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin:auto}
.topbar{background:#0b1220;color:#fff;font-size:.95rem}
.topbar .container{display:flex;justify-content:space-between;gap:1rem;align-items:center;padding:.6rem 0;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700}
header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid #e5e7eb}
.nav{display:flex;align-items:center;justify-content:space-between;padding:1rem 0;gap:1rem}
.logo{font-size:1.3rem;font-weight:800;color:var(--navy)}
.logo span{color:var(--blue)}
nav ul{display:flex;gap:1rem;list-style:none;padding:0;margin:0;flex-wrap:wrap}
nav a{font-weight:700;color:var(--navy)}
.nav-cta{display:flex;gap:.75rem;flex-wrap:wrap}
.btn{display:inline-block;padding:.85rem 1.15rem;border-radius:10px;font-weight:800;border:2px solid transparent}
.btn-primary{background:var(--blue);color:#fff}
.btn-secondary{background:#fff;color:var(--blue);border-color:var(--blue)}
.btn-accent{background:var(--accent);color:#fff}
.hero{min-height:72vh;display:flex;align-items:center;background-size:cover;background-position:center;position:relative}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,23,42,.82),rgba(15,23,42,.52))}
.hero .container{position:relative;color:#fff;padding:4.5rem 0}
.eyebrow{display:inline-block;background:rgba(255,255,255,.15);padding:.45rem .7rem;border-radius:999px;font-size:.85rem;font-weight:700;margin-bottom:1rem}
.hero h1,.page-hero h1{font-size:clamp(2rem,5vw,3.6rem);line-height:1.1;margin:.2rem 0 1rem}
.hero p,.page-hero p{font-size:1.1rem;max-width:760px}
.hero-actions,.cta-row{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.2rem}
section{padding:4rem 0}
.section-title{font-size:clamp(1.6rem,3vw,2.4rem);margin:0 0 .7rem}
.section-subtitle{max-width:760px;color:var(--slate);margin:0 0 1.5rem}
.grid{display:grid;gap:1.25rem}
.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{background:#fff;border:1px solid #e5e7eb;border-radius:18px;padding:1.35rem;box-shadow:0 10px 30px rgba(15,23,42,.05)}
.card h3{margin-top:0}
.card p{margin-bottom:0}
.highlight{background:var(--light)}
.checks{padding-left:1.1rem}
.checks li{margin-bottom:.5rem}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:center}
.stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1.4rem}
.stat{background:#fff;border-radius:16px;padding:1rem;border:1px solid var(--border);text-align:center}
.stat strong{display:block;font-size:1.7rem;color:var(--blue)}
.page-hero{background:linear-gradient(135deg,#eff6ff,#f8fafc);border-bottom:1px solid #e5e7eb}
.page-hero .container{padding:4rem 0}
.notice,.trust-bar{background:#eff6ff;border:1px solid #bfdbfe;border-radius:16px;padding:1rem 1.2rem}
.trust-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.cta-banner{background:linear-gradient(135deg,#0f172a,#1d4ed8);color:#fff;border-radius:24px;padding:2rem}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
label{font-weight:700;font-size:.95rem}
input,select,textarea{width:100%;padding:.9rem;border-radius:10px;border:1px solid #cbd5e1;margin-top:.35rem;font:inherit}
textarea{min-height:130px;resize:vertical}
footer{background:#0b1220;color:#e2e8f0;padding:3rem 0 1.5rem}
footer a{color:#e2e8f0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:1.5rem}
.small{font-size:.95rem;color:#475569}
.badge-list{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1rem}
.badge{background:#fff;border:1px solid #dbeafe;border-radius:999px;padding:.45rem .8rem;font-size:.9rem;font-weight:700}
.icon{font-size:1.5rem;display:inline-block;margin-bottom:.5rem}
.kicker{font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);font-weight:800}
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden}
th,td{padding:1rem;border-bottom:1px solid #e5e7eb;text-align:left}
th{background:#eff6ff}
@media (max-width: 900px){
  .grid-4,.grid-3,.grid-2,.split,.stats,.trust-strip,.footer-grid,.form-grid{grid-template-columns:1fr}
  .nav{flex-direction:column;align-items:flex-start}
}