:root{--navy:#12263a;--navy2:#0b1b2b;--blue:#0d8fe8;--orange:#f59b18;--light:#f5f9fc;--text:#13263b;--muted:#5c6b78;--white:#fff;--radius:16px;--shadow:0 8px 25px rgba(13,38,58,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.55}a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy2);color:#fff;font-size:13px;padding:7px 0}.topbar .container{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}header{background:#fff;border-bottom:1px solid #e8eef3;position:sticky;top:0;z-index:20}.nav{min-height:78px;display:flex;align-items:center;gap:28px}.logo{height:58px;width:auto}.navlinks{display:flex;gap:20px;align-items:center;margin-left:auto;font-size:14px}.navlinks a:hover{color:var(--blue)}.btn{display:inline-block;border:0;border-radius:10px;padding:13px 21px;background:var(--blue);color:#fff;font-weight:700;cursor:pointer}.btn.orange{background:var(--orange)}.hero{background:linear-gradient(105deg,var(--navy),#183b59 65%,#285c80);color:#fff;padding:75px 0}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:45px;align-items:center}.eyebrow{letter-spacing:3px;font-weight:700;font-size:13px;color:#62bdf5;text-transform:uppercase}h1{font-size:clamp(38px,5vw,62px);line-height:1.08;margin:15px 0 20px}h1 span,h2 span{color:var(--blue)}.hero p{font-size:19px;max-width:700px;color:#e8f1f7}.hero-card{background:#fff;color:var(--text);border-radius:22px;padding:28px;box-shadow:var(--shadow)}.section{padding:72px 0}.section.light{background:var(--light)}.section-title{text-align:center;max-width:820px;margin:0 auto 40px}h2{font-size:38px;line-height:1.15;margin:8px 0 12px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:#fff;border:1px solid #e5edf3;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.icon{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:#e8f6ff;color:var(--blue);font-size:25px;margin-bottom:16px}.card h3{margin:0 0 9px;font-size:21px}.muted{color:var(--muted)}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{text-align:center;padding:20px}.num{margin:auto;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:700}.cta{background:#eaf6fd;border-radius:18px;padding:35px;display:flex;justify-content:space-between;align-items:center;gap:25px}.form-wrap{max-width:900px;margin:auto;background:#fff;border-radius:18px;padding:34px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}label{font-weight:700;font-size:14px;display:block;margin-bottom:6px}input,select,textarea{width:100%;padding:13px;border:1px solid #cfdbe4;border-radius:9px;font:inherit}textarea{min-height:130px;resize:vertical}.full{grid-column:1/-1}.checks{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.checks label{font-weight:400}.footer{background:var(--navy2);color:#fff;padding:45px 0 20px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:30px}.footer a{color:#dbe7ef}.footer small{color:#aebdca}.page-hero{background:var(--navy);color:#fff;padding:55px 0}.page-hero h1{font-size:48px;margin:0}.notice{padding:16px 20px;border-left:4px solid var(--orange);background:#fff8ed;border-radius:8px}@media(max-width:900px){.nav{gap:14px}.navlinks{gap:12px;font-size:12px}.hero-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){.topbar .container{justify-content:center}.nav{flex-wrap:wrap;padding:10px 0}.logo{height:50px}.navlinks{order:3;width:100%;overflow:auto;padding-bottom:5px}.nav .btn{margin-left:auto}.cards,.form-grid,.footer-grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.cta{flex-direction:column;align-items:flex-start}h2{font-size:31px}.hero{padding:52px 0}.hero p{font-size:17px}.full{grid-column:auto}}