:root {
  --bg: #f7f9fc;
  --text: #122033;
  --muted: #5c6b7a;
  --card: #ffffff;
  --navy: #0c2a43;
  --blue: #1f6feb;
  --green: #16834a;
  --line: #dbe3ee;
  --soft: #eaf2ff;
  --warning: #fff6e5;
}
* { box-sizing: border-box; }
body { margin: 0; font-family: Arial, Helvetica, sans-serif; color: var(--text); background: var(--bg); line-height: 1.55; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
.header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 10; }
.nav { max-width: 1120px; margin: 0 auto; padding: 16px 22px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.brand { font-weight: 800; font-size: 22px; letter-spacing: -0.02em; color: var(--navy); }
.nav-links { display: flex; gap: 18px; flex-wrap: wrap; font-size: 14px; }
.hero { background: linear-gradient(135deg, #0c2a43 0%, #15496e 55%, #1f6feb 100%); color: #fff; }
.hero-inner { max-width: 1120px; margin: 0 auto; padding: 78px 22px 72px; display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 32px; align-items: center; }
.kicker { text-transform: uppercase; letter-spacing: 0.12em; font-size: 13px; font-weight: 700; color: #a9d3ff; }
h1 { font-size: clamp(36px, 5vw, 58px); line-height: 1.02; margin: 10px 0 18px; letter-spacing: -0.04em; }
.hero p { font-size: 20px; color: #e6f2ff; max-width: 760px; }
.hero-card { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.24); border-radius: 20px; padding: 24px; backdrop-filter: blur(6px); }
.hero-card h2 { margin-top: 0; font-size: 20px; }
.hero-card ul { padding-left: 20px; margin-bottom: 0; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn { display: inline-block; padding: 12px 18px; border-radius: 10px; font-weight: 700; border: 1px solid transparent; }
.btn-primary { background: #fff; color: var(--navy); }
.btn-secondary { background: transparent; color: #fff; border-color: rgba(255,255,255,0.55); }
.section { max-width: 1120px; margin: 0 auto; padding: 58px 22px; }
.section h2 { font-size: 34px; line-height: 1.15; margin: 0 0 14px; letter-spacing: -0.03em; }
.section > p.lead { font-size: 18px; color: var(--muted); max-width: 850px; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 28px; }
.grid.two { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: 22px; box-shadow: 0 8px 24px rgba(12, 42, 67, 0.06); }
.card h3 { margin-top: 0; font-size: 20px; }
.card p { color: var(--muted); }
.badge { display: inline-block; font-size: 12px; font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase; color: var(--green); background: #eaf8ef; border-radius: 999px; padding: 5px 10px; }
.flow { counter-reset: step; display: grid; gap: 14px; margin-top: 24px; }
.flow-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 18px 18px 18px 58px; position: relative; }
.flow-item:before { counter-increment: step; content: counter(step); position: absolute; left: 18px; top: 17px; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--blue); color: #fff; font-weight: 800; }
.callout { background: var(--soft); border: 1px solid #cfe2ff; border-radius: 18px; padding: 24px; margin-top: 28px; }
.disclaimer { background: var(--warning); border: 1px solid #f2d394; border-radius: 14px; padding: 16px; color: #5d4300; font-size: 14px; }
.footer { background: var(--navy); color: #d9e8f6; }
.footer-inner { max-width: 1120px; margin: 0 auto; padding: 34px 22px; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer a { color: #fff; }
.legal { max-width: 920px; margin: 0 auto; padding: 54px 22px; background: #fff; }
.legal h1 { color: var(--navy); font-size: 40px; }
.legal h2 { margin-top: 32px; }
.legal p, .legal li { color: #35465a; }
.legal small { color: var(--muted); }
@media (max-width: 800px) {
  .hero-inner { grid-template-columns: 1fr; padding-top: 56px; }
  .grid, .grid.two { grid-template-columns: 1fr; }
  .nav { align-items: flex-start; flex-direction: column; }
}