:root{
  --navy:#12324a;
  --blue:#2d7ea7;
  --aqua:#8ed6dc;
  --cream:#fbf8f0;
  --mist:#eef7f8;
  --ink:#1c2c35;
  --muted:#657681;
  --white:#fff;
  --line:#dce9ec;
  --shadow:0 18px 45px rgba(18,50,74,.14);
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit}
.container{width:min(1160px,92%);margin:auto}
.top-strip{background:var(--navy);color:white;font-size:.92rem}
.top-strip .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0;flex-wrap:wrap}
.header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);z-index:50;border-bottom:1px solid var(--line)}
.navbar{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:24px;padding:17px 0}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo-mark{width:48px;height:48px;border-radius:16px;background:linear-gradient(135deg,var(--blue),var(--aqua));display:grid;place-items:center;color:#fff;font-weight:900;letter-spacing:-2px;box-shadow:0 10px 22px rgba(45,126,167,.28)}
.logo-text strong{display:block;font-size:1.25rem;color:var(--navy);letter-spacing:-.03em}
.logo-text span{display:block;font-size:.78rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase}
.nav-links{display:flex;justify-content:center;gap:28px;align-items:center}
.nav-links a{text-decoration:none;font-weight:700;color:#284553;font-size:.96rem}
.nav-links a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:999px;padding:13px 20px;background:var(--blue);color:#fff;text-decoration:none;font-weight:800;box-shadow:0 12px 24px rgba(45,126,167,.25);cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn.light{background:white;color:var(--navy);box-shadow:none}
.btn.outline{background:transparent;color:var(--navy);border:2px solid var(--line);box-shadow:none}
.hero{position:relative;min-height:660px;display:flex;align-items:center;justify-content:center;overflow:hidden;background:var(--navy)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(18,50,74,.74),rgba(18,50,74,.22),rgba(18,50,74,.06)),url('https://images.unsplash.com/photo-1496207760989-d6844ca47a26?auto=format&fit=crop&w=1800&q=85');background-size:cover;background-position:center 35%;transform:scale(1.02)}
.hero-card{position:relative;background:rgba(255,255,255,.96);width:min(720px,94%);padding:48px;border-radius:32px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.5);margin:auto;text-align:center}
.kicker{display:inline-flex;padding:7px 12px;border-radius:999px;background:var(--mist);color:var(--blue);font-weight:900;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em}
h1,h2,h3{line-height:1.12;color:var(--navy);margin:0 0 16px}
h1{font-size:clamp(2.35rem,5vw,4.7rem);letter-spacing:-.06em}
h2{font-size:clamp(2rem,3.5vw,3.2rem);letter-spacing:-.045em}
h3{font-size:1.35rem}
p{margin:0 0 17px;color:#4a5f68}
.hero-card p{font-size:1.12rem}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:26px}
.section{padding:86px 0}
.section.soft{background:var(--cream)}
.section.mist{background:var(--mist)}
.intro{max-width:760px;margin-bottom:38px}
.grid{display:grid;gap:24px}
.grid.three{grid-template-columns:repeat(3,1fr)}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:0 10px 30px rgba(18,50,74,.06)}
.step-number{width:44px;height:44px;border-radius:14px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900;margin-bottom:18px}
.icon-circle{width:52px;height:52px;border-radius:18px;background:var(--mist);display:grid;place-items:center;font-size:1.55rem;margin-bottom:18px}
.band{background:linear-gradient(135deg,var(--navy),#1a5878);border-radius:36px;padding:52px;color:white;display:grid;grid-template-columns:1.4fr auto;align-items:center;gap:24px}
.band h2,.band p{color:white}
.page-hero{background:linear-gradient(135deg,var(--mist),#fff);padding:78px 0;border-bottom:1px solid var(--line)}
.page-hero .container{max-width:900px}
.form-wrap{display:grid;grid-template-columns:1fr .75fr;gap:34px;align-items:start}
form{background:#fff;border:1px solid var(--line);border-radius:30px;padding:30px;box-shadow:var(--shadow)}
label{font-weight:800;color:var(--navy);display:block;margin:15px 0 7px}
input,select,textarea{width:100%;border:1px solid #cddde2;border-radius:16px;padding:14px 15px;font:inherit;background:#fff}
textarea{min-height:130px;resize:vertical}
.checkbox-row{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;margin:16px 0;padding:15px;border:1px solid var(--line);border-radius:18px;background:#fbfdfe}
.checkbox-row input{width:18px;height:18px;margin-top:4px}
.checkbox-row label{margin:0;font-weight:600;color:#314b58}
.checkbox-row a{font-weight:900;color:var(--blue);text-decoration:underline}
.small{font-size:.92rem;color:var(--muted)}
.footer{background:#102b3d;color:#d9e8ed;padding:54px 0 28px}
.footer h3,.footer strong{color:white}
.footer a{color:#d9e8ed}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px;border-bottom:1px solid rgba(255,255,255,.15);padding-bottom:30px}
.footer-bottom{padding-top:22px;font-size:.92rem;color:#bfd0d7}
.badge-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.badge{padding:9px 13px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:800;color:var(--navy);font-size:.9rem}
.photo-panel{min-height:430px;border-radius:34px;background-image:url('https://images.unsplash.com/photo-1609840114035-3c981b782dfe?auto=format&fit=crop&w=1200&q=85');background-size:cover;background-position:center;box-shadow:var(--shadow)}
.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:44px;align-items:center}
ul.clean{padding-left:20px;color:#4a5f68}
li{margin:8px 0}
@media (max-width:900px){
  .navbar{grid-template-columns:1fr;gap:14px}.nav-links{justify-content:flex-start;flex-wrap:wrap;gap:14px}.navbar .btn{justify-self:start}
  .hero{position:relative;min-height:660px;display:flex;align-items:center;justify-content:center;overflow:hidden;background:var(--navy)}.hero-card{position:relative;background:rgba(255,255,255,.96);width:min(720px,94%);padding:48px;border-radius:32px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.5);margin:auto;text-align:center}
  .grid.three,.grid.two,.form-wrap,.footer-grid,.split,.band{grid-template-columns:1fr}
}