:root {
  --navy-950: #031d43;
  --navy-900: #052b61;
  --navy-800: #063b82;
  --navy-700: #07509f;
  --blue-600: #0b72cc;
  --blue-500: #1289e8;
  --blue-100: #e8f4ff;
  --blue-50: #f5faff;
  --green-600: #078b55;
  --green-100: #e7f8f0;
  --ink: #10233d;
  --muted: #5e7188;
  --line: #dfe9f3;
  --white: #fff;
  --surface: #f7fafc;
  --shadow-sm: 0 10px 30px rgba(5, 43, 97, .08);
  --shadow-md: 0 22px 60px rgba(5, 43, 97, .14);
  --radius-sm: 14px;
  --radius-md: 22px;
  --radius-lg: 32px;
  --container: 1180px;
  --transition: 220ms ease;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; }
svg { width: 1.15em; height: 1.15em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

.skip-link {
  position: fixed; left: 16px; top: -80px; z-index: 9999;
  background: var(--navy-900); color: white; padding: 11px 16px; border-radius: 10px;
  transition: top var(--transition);
}
.skip-link:focus { top: 14px; }

.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.section-pad { padding: 104px 0; }
.section-light { background: linear-gradient(180deg, #f8fbfe 0%, #f3f8fd 100%); }
.align-center { align-items: center; }

.topbar { background: var(--navy-950); color: #cfe5ff; font-size: 13px; }
.topbar-inner { min-height: 38px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.topbar p { margin: 0; }
.topbar-links { display: flex; gap: 10px; align-items: center; }
.topbar a:hover { color: white; }

.site-header { position: relative; z-index: 100; }
.nav-shell { background: rgba(255,255,255,.95); border-bottom: 1px solid rgba(209, 225, 240, .85); backdrop-filter: blur(14px); }
.nav-shell.is-sticky { position: fixed; inset: 0 0 auto; box-shadow: 0 8px 28px rgba(5,43,97,.08); }
.nav-inner { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 13px; min-width: max-content; }
.brand img { width: 58px; height: 58px; object-fit: cover; border-radius: 50%; box-shadow: 0 5px 18px rgba(4,53,112,.14); }
.brand span { display: grid; line-height: 1.12; }
.brand strong { font-size: 22px; letter-spacing: -.02em; color: var(--navy-900); }
.brand small { margin-top: 5px; color: var(--muted); font-size: 11px; letter-spacing: .05em; text-transform: uppercase; }
.primary-nav { display: flex; align-items: center; gap: 28px; font-weight: 650; font-size: 14px; }
.primary-nav > a:not(.btn) { position: relative; color: #304861; transition: color var(--transition); }
.primary-nav > a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -9px; height: 2px; background: var(--blue-500); transition: right var(--transition); }
.primary-nav > a:hover, .primary-nav > a.active { color: var(--navy-800); }
.primary-nav > a:hover::after, .primary-nav > a.active::after { right: 0; }
.menu-toggle { display: none; background: transparent; border: 0; padding: 10px; cursor: pointer; }
.menu-toggle span { display: block; width: 26px; height: 2px; margin: 5px 0; background: var(--navy-900); transition: transform var(--transition), opacity var(--transition); }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 52px; padding: 0 23px; border: 1px solid transparent; border-radius: 14px; font-weight: 750; font-size: 15px; transition: transform var(--transition), box-shadow var(--transition), background var(--transition), border-color var(--transition), color var(--transition); }
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: white; background: linear-gradient(135deg, var(--blue-500), var(--navy-800)); box-shadow: 0 14px 30px rgba(10, 102, 190, .24); }
.btn-primary:hover { box-shadow: 0 18px 36px rgba(10, 102, 190, .32); }
.btn-outline { color: var(--navy-800); border-color: #bad4ec; background: white; }
.btn-outline:hover { background: var(--blue-50); border-color: var(--blue-500); }
.btn-small { min-height: 42px; padding-inline: 18px; border-radius: 12px; }
.btn-ghost { color: var(--navy-800); background: white; border-color: var(--line); }
.btn-ghost:hover { border-color: #a8ccea; box-shadow: var(--shadow-sm); }
.btn-white { color: var(--navy-900); background: white; }
.btn-white:hover { box-shadow: 0 12px 34px rgba(1, 20, 48, .22); }
.btn-transparent { color: white; border-color: rgba(255,255,255,.35); background: rgba(255,255,255,.08); }
.btn-transparent:hover { background: rgba(255,255,255,.15); border-color: white; }

.hero { position: relative; overflow: hidden; padding-top: 86px; background: linear-gradient(180deg, #f8fbff 0%, #fff 83%); }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(12,92,166,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(12,92,166,.035) 1px, transparent 1px); background-size: 34px 34px; mask-image: linear-gradient(to bottom, black, transparent 78%); }
.hero-glow { position: absolute; border-radius: 50%; filter: blur(5px); pointer-events: none; }
.hero-glow-one { width: 360px; height: 360px; right: -100px; top: 30px; background: rgba(87, 182, 255, .18); }
.hero-glow-two { width: 260px; height: 260px; left: -120px; bottom: 30px; background: rgba(82, 216, 170, .12); }
.hero-grid { position: relative; display: grid; grid-template-columns: .96fr 1.04fr; gap: 54px; align-items: center; }
.hero-copy { padding: 18px 0 42px; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin-bottom: 18px; color: var(--blue-600); font-size: 13px; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.eyebrow-dot { width: 9px; height: 9px; background: var(--green-600); border-radius: 50%; box-shadow: 0 0 0 5px rgba(7,139,85,.12); }
.hero h1 { margin: 0; max-width: 720px; color: var(--navy-950); font-size: clamp(42px, 5.2vw, 67px); line-height: 1.08; letter-spacing: -.045em; }
.hero-lead { max-width: 650px; margin: 25px 0 0; color: #455c75; font-size: clamp(18px, 2vw, 21px); line-height: 1.65; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 33px; }
.hero-checks { display: flex; flex-wrap: wrap; gap: 12px 24px; padding: 0; margin: 28px 0 0; list-style: none; color: #415b74; font-size: 14px; font-weight: 650; }
.hero-checks li { position: relative; padding-left: 22px; }
.hero-checks li::before { content: "✓"; position: absolute; left: 0; color: var(--green-600); font-weight: 900; }
.hero-visual { position: relative; min-height: 590px; display: grid; place-items: center; }
.visual-frame { width: min(100%, 670px); animation: float 6s ease-in-out infinite; }
.floating-card { position: absolute; display: flex; align-items: center; gap: 11px; min-width: 210px; padding: 13px 16px; border: 1px solid rgba(193,214,232,.8); background: rgba(255,255,255,.9); border-radius: 17px; box-shadow: var(--shadow-md); backdrop-filter: blur(10px); }
.floating-card strong, .floating-card small { display: block; }
.floating-card strong { color: var(--navy-900); font-size: 13px; }
.floating-card small { margin-top: 2px; color: var(--muted); font-size: 11px; }
.floating-card-top { right: -6px; top: 88px; animation: float 5.5s ease-in-out infinite reverse; }
.floating-card-bottom { left: 0; bottom: 70px; animation: float 6.5s ease-in-out infinite; }
.status-icon { display: grid; place-items: center; width: 39px; height: 39px; border-radius: 12px; }
.status-icon.success { color: var(--green-600); background: var(--green-100); }
.status-icon.blue { color: var(--blue-600); background: var(--blue-100); }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

.trust-strip { border-block: 1px solid var(--line); background: white; }
.trust-grid { display: grid; grid-template-columns: repeat(5, 1fr); }
.trust-grid > div { min-height: 105px; display: flex; align-items: center; justify-content: center; gap: 11px; padding: 18px; text-align: center; border-right: 1px solid var(--line); color: #324a62; font-size: 13px; }
.trust-grid > div:last-child { border-right: 0; }
.mini-icon { display: grid; place-items: center; width: 34px; height: 34px; flex: 0 0 auto; border-radius: 10px; color: var(--blue-600); background: var(--blue-100); font-size: 11px; font-weight: 850; }

.split-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; }
.media-card { border: 1px solid var(--line); background: white; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); overflow: hidden; }
.media-card img { width: 100%; }
.content-block h2, .section-heading h2 { margin: 0; color: var(--navy-950); font-size: clamp(34px, 4vw, 48px); line-height: 1.14; letter-spacing: -.035em; }
.content-block p, .section-heading p { color: var(--muted); }
.content-block p { margin: 20px 0 0; }
.info-panel { margin-top: 24px; padding: 22px 24px; border: 1px solid #cfe1f2; border-radius: 18px; background: white; box-shadow: var(--shadow-sm); }
.info-panel h3 { margin: 0 0 13px; color: var(--navy-900); font-size: 16px; }
.check-list { display: grid; gap: 10px; padding: 0; margin: 0; list-style: none; }
.check-list li { position: relative; padding-left: 28px; color: #3d566e; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 1px; display: grid; place-items: center; width: 19px; height: 19px; color: white; background: var(--green-600); border-radius: 50%; font-size: 11px; font-weight: 900; }

.section-heading { max-width: 790px; margin-bottom: 48px; }
.section-heading.centered { margin-inline: auto; text-align: center; }
.section-heading p { margin: 20px 0 0; font-size: 17px; }
.reason-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.feature-card { min-height: 236px; padding: 26px 22px; border: 1px solid var(--line); border-radius: var(--radius-md); background: white; transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition); }
.feature-card:hover { transform: translateY(-6px); border-color: #b7d6ef; box-shadow: var(--shadow-md); }
.card-icon, .service-icon { display: grid; place-items: center; width: 48px; height: 48px; color: var(--blue-600); background: var(--blue-100); border-radius: 14px; }
.card-icon svg { width: 24px; height: 24px; }
.feature-card h3 { margin: 22px 0 9px; color: var(--navy-900); font-size: 18px; line-height: 1.25; }
.feature-card p { margin: 0; color: var(--muted); font-size: 14px; }

.process-section { position: relative; overflow: hidden; color: white; background: radial-gradient(circle at 85% 10%, rgba(20,137,232,.35), transparent 32%), linear-gradient(135deg, var(--navy-950), var(--navy-800)); }
.process-section::before { content: ""; 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: 42px 42px; }
.process-section .container { position: relative; }
.light-heading h2, .light-heading p { color: white; }
.light-heading p { opacity: .74; }
.eyebrow-light { color: #8dccff; }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 0; margin: 0; list-style: none; counter-reset: process; }
.process-card { position: relative; min-height: 306px; padding: 30px 24px; border: 1px solid rgba(255,255,255,.13); border-radius: var(--radius-md); background: rgba(255,255,255,.08); backdrop-filter: blur(9px); }
.step-number { position: absolute; right: 22px; top: 16px; color: rgba(255,255,255,.12); font-size: 46px; font-weight: 900; line-height: 1; }
.process-icon { display: grid; place-items: center; width: 54px; height: 54px; color: #9dd4ff; background: rgba(255,255,255,.1); border-radius: 15px; }
.process-icon svg { width: 27px; height: 27px; }
.process-card h3 { margin: 28px 0 11px; color: white; font-size: 20px; }
.process-card p { margin: 0; color: rgba(255,255,255,.73); font-size: 14px; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card { position: relative; min-height: 306px; padding: 28px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-md); background: white; box-shadow: 0 8px 26px rgba(5,43,97,.05); transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition); }
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: #b4d3ec; }
.service-card::after { content: ""; position: absolute; width: 140px; height: 140px; right: -60px; bottom: -65px; background: radial-gradient(circle, rgba(18,137,232,.12), transparent 68%); }
.service-no { position: absolute; right: 24px; top: 20px; color: #dce8f3; font-size: 38px; font-weight: 900; }
.service-icon svg { width: 25px; height: 25px; }
.service-card h3 { margin: 24px 0 11px; color: var(--navy-900); font-size: 20px; line-height: 1.3; }
.service-card p { margin: 0; color: var(--muted); font-size: 14px; }
.service-card-wide { grid-column: 2 / span 2; min-height: auto; display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: center; }
.service-card-wide h3 { margin-top: 0; }

.benefit-stack { display: grid; gap: 106px; }
.benefit-row { gap: 78px; }
.large-list { gap: 14px; margin-top: 24px; }
.large-list li { font-size: 15px; }

.insight-section { padding-top: 20px; }
.row-heading { display: flex; align-items: end; justify-content: space-between; max-width: none; }
.insight-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.insight-card { padding: 32px; border: 1px solid var(--line); border-radius: var(--radius-md); background: linear-gradient(145deg, white, #f8fbff); box-shadow: var(--shadow-sm); }
.article-tag { display: inline-flex; padding: 6px 10px; color: var(--blue-600); background: var(--blue-100); border-radius: 999px; font-size: 11px; font-weight: 850; letter-spacing: .06em; text-transform: uppercase; }
.insight-card h3 { margin: 18px 0 13px; color: var(--navy-900); font-size: 24px; line-height: 1.3; }
.insight-card h3 a:hover { color: var(--blue-600); }
.insight-card p { margin: 0; color: var(--muted); }
.text-link { display: inline-flex; margin-top: 22px; color: var(--blue-600); font-weight: 800; }
.text-link:hover { color: var(--navy-900); }

.cta-section { padding: 30px 0 104px; }
.cta-panel { position: relative; overflow: hidden; display: grid; grid-template-columns: 1.35fr .65fr; gap: 60px; align-items: center; padding: 58px 62px; color: white; border-radius: 34px; background: radial-gradient(circle at 90% 0%, rgba(57,170,255,.5), transparent 35%), linear-gradient(135deg, var(--navy-950), var(--navy-700)); box-shadow: 0 26px 70px rgba(5,43,97,.25); }
.cta-panel::after { content: ""; position: absolute; right: -100px; bottom: -130px; width: 330px; height: 330px; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; box-shadow: 0 0 0 42px rgba(255,255,255,.04), 0 0 0 84px rgba(255,255,255,.03); }
.cta-panel > * { position: relative; z-index: 1; }
.cta-panel h2 { margin: 0; font-size: clamp(35px, 4vw, 50px); line-height: 1.1; letter-spacing: -.035em; }
.cta-panel p { margin: 14px 0 0; color: rgba(255,255,255,.76); }
.cta-panel strong { display: block; margin-top: 19px; color: #bde0ff; }
.cta-actions { display: grid; gap: 13px; }

.site-footer { color: #b9c9da; background: var(--navy-950); }
.footer-grid { display: grid; grid-template-columns: 1.45fr .7fr .85fr 1fr; gap: 48px; padding: 76px 0 58px; }
.brand-footer strong { color: white; }
.brand-footer small { color: #9bb2c9; }
.footer-brand p { max-width: 430px; margin: 22px 0 0; color: #93aac0; font-size: 14px; }
.footer-title { margin: 0 0 20px; color: white; font-size: 15px; text-transform: uppercase; letter-spacing: .08em; }
.footer-links { display: grid; gap: 10px; padding: 0; margin: 0; list-style: none; font-size: 14px; }
.footer-links a, .contact-list a { color: #a6bbcf; transition: color var(--transition); }
.footer-links a:hover, .contact-list a:hover { color: white; }
.contact-list { display: grid; gap: 10px; font-style: normal; font-size: 14px; }
.contact-list p { margin: 0 0 6px; color: #94abc1; }
.contact-list strong { color: #d8e6f4; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 22px 0 28px; border-top: 1px solid rgba(255,255,255,.09); color: #7f99b2; font-size: 13px; }
.footer-bottom p { margin: 0; }
.footer-bottom a:hover { color: white; }

.reveal { opacity: 0; transform: translateY(20px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-delay, .reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .18s; }
.reveal-delay-3 { transition-delay: .26s; }
.reveal-delay-4 { transition-delay: .34s; }

:focus-visible { outline: 3px solid rgba(18,137,232,.38); outline-offset: 3px; }

@media (max-width: 1100px) {
  .primary-nav { gap: 18px; }
  .hero-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .hero-visual { min-height: 510px; }
  .reason-grid { grid-template-columns: repeat(3, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1.3fr .7fr .8fr; }
  .footer-grid > div:last-child { grid-column: 1 / -1; }
}

@media (max-width: 900px) {
  .topbar { display: none; }
  .nav-inner { min-height: 74px; }
  .brand img { width: 50px; height: 50px; }
  .brand strong { font-size: 20px; }
  .menu-toggle { display: block; z-index: 2; }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .primary-nav { position: absolute; top: 74px; left: 20px; right: 20px; display: grid; gap: 0; padding: 10px; visibility: hidden; opacity: 0; transform: translateY(-10px); border: 1px solid var(--line); border-radius: 18px; background: white; box-shadow: var(--shadow-md); transition: opacity var(--transition), transform var(--transition), visibility var(--transition); }
  .primary-nav.is-open { visibility: visible; opacity: 1; transform: translateY(0); }
  .primary-nav > a { padding: 12px 14px; border-radius: 10px; }
  .primary-nav > a:not(.btn)::after { display: none; }
  .primary-nav > a:hover { background: var(--blue-50); }
  .primary-nav .btn { margin-top: 6px; }
  .hero { padding-top: 56px; }
  .hero-grid, .split-grid, .cta-panel { grid-template-columns: 1fr; }
  .hero-copy { max-width: 750px; }
  .hero-visual { min-height: 560px; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid > div { border-bottom: 1px solid var(--line); }
  .trust-grid > div:nth-child(2n) { border-right: 0; }
  .trust-grid > div:last-child { grid-column: 1 / -1; border-bottom: 0; }
  .split-grid { gap: 44px; }
  .reason-grid { grid-template-columns: repeat(2, 1fr); }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .service-card-wide { grid-column: 1 / -1; }
  .benefit-stack { gap: 78px; }
  .benefit-row { gap: 44px; }
  .insight-grid { grid-template-columns: 1fr; }
  .cta-panel { gap: 34px; padding: 48px 40px; }
  .cta-actions { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1.2fr .8fr; }
  .footer-grid > div:last-child { grid-column: auto; }
}

@media (max-width: 640px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section-pad { padding: 76px 0; }
  .brand small { display: none; }
  .hero { padding-top: 44px; }
  .hero h1 { font-size: clamp(38px, 12vw, 52px); }
  .hero-actions { display: grid; }
  .hero-actions .btn { width: 100%; }
  .hero-checks { display: grid; }
  .hero-visual { min-height: 390px; }
  .visual-frame { width: 115%; }
  .floating-card { min-width: 178px; padding: 10px 12px; }
  .floating-card-top { right: -5px; top: 40px; }
  .floating-card-bottom { left: -8px; bottom: 30px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-grid > div, .trust-grid > div:nth-child(2n) { min-height: 74px; justify-content: flex-start; border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-grid > div:last-child { grid-column: auto; }
  .content-block h2, .section-heading h2 { font-size: clamp(31px, 9vw, 41px); }
  .section-heading { margin-bottom: 34px; }
  .reason-grid, .process-grid, .service-grid, .footer-grid { grid-template-columns: 1fr; }
  .feature-card, .process-card, .service-card { min-height: auto; }
  .service-card-wide { grid-template-columns: 1fr; }
  .benefit-stack { gap: 64px; }
  .reverse-mobile .media-card { order: 2; }
  .insight-card { padding: 25px; }
  .insight-card h3 { font-size: 21px; }
  .cta-section { padding-bottom: 76px; }
  .cta-panel { padding: 38px 24px; border-radius: 25px; }
  .cta-actions { grid-template-columns: 1fr; }
  .footer-grid { padding-top: 60px; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { align-items: flex-start; flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ===== Legal Pages ===== */
.legal-content h1 { font-size: 2rem; color: #063b82; margin-bottom: 8px; }
.legal-content h2 { font-size: 1.25rem; color: #063b82; margin-top: 36px; margin-bottom: 12px; padding-bottom: 8px; border-bottom: 1px solid #e8edf4; }
.legal-content h3 { font-size: 1.05rem; color: #333; margin-top: 24px; margin-bottom: 8px; }
.legal-content p { color: #444; line-height: 1.75; margin-bottom: 12px; }
.legal-content ul { color: #444; line-height: 1.75; padding-left: 24px; margin-bottom: 16px; }
.legal-content li { margin-bottom: 4px; }
.legal-content a { color: #063b82; text-decoration: underline; }
.legal-content a:hover { color: #0a5dbc; }