:root{--navy:#0b2a4a;--navy2:#0e355c;--teal:#0e7c7b;--teal2:#0a5e5d;--blue:#1a6fb5;--ink:#1c2b36;--mut:#52616e;--bg:#f4f7f9;--line:#dbe4ea;--gold:#f2b705;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
a{color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.25}
h1{font-size:2.3rem;margin:.4rem 0 .8rem}
h2{font-size:1.7rem;margin:2rem 0 .7rem}
h3{font-size:1.2rem;margin:1.2rem 0 .4rem}
p{margin:.6rem 0}
ul,ol{margin:.5rem 0 .8rem 1.3rem}
li{margin:.3rem 0}
.wrap{max-width:1140px;margin:0 auto;padding:0 18px}
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:7px 18px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:18px;padding:12px 18px}
.logo{font-weight:800;color:var(--navy);text-decoration:none;font-size:1.25rem;line-height:1.15}
.logo small{display:block;font-size:.75rem;color:var(--teal);font-weight:700;letter-spacing:.04em}
nav.main{margin-left:auto;display:flex;gap:16px;flex-wrap:wrap}
nav.main a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
nav.main a:hover{color:var(--teal)}
.btn{display:inline-block;background:var(--teal);color:#fff!important;text-decoration:none;font-weight:800;padding:13px 22px;border-radius:8px;border:0;cursor:pointer}
.btn:hover{background:var(--teal2)}
.btn.navy{background:var(--navy)}
.btn.gold{background:var(--gold);color:var(--navy)!important}
.hero{background:linear-gradient(100deg,#eef6f7 0%,#fff 55%);padding:42px 0 36px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:32px;align-items:center}
.eyebrow{color:var(--teal);font-weight:800;letter-spacing:.06em;text-transform:uppercase;font-size:.82rem}
.hero img,.card img,.split img{width:100%;height:auto;border-radius:12px;display:block}
.trust{font-size:.92rem;color:var(--mut);margin-top:12px}
.trust b{color:var(--navy)}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:16px 0 6px}
section{padding:30px 0}
section.dark{background:var(--navy);color:#eaf1f6}
section.dark h2,section.dark h3{color:#fff}
section.dark p{color:#cfe0ec}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.card h3{margin-top:0}
.card h3 a{color:var(--navy);text-decoration:none}
.dark .card{background:#132f4d;border-color:#22486b;color:#dbe9f2}
.dark .card h3 a{color:#fff}
.dark .card p{color:#c4d6e4}
.brands{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:18px 0;text-align:center}
.brands ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:center;margin:10px 0 4px}
.brands li{font-weight:700;color:var(--navy);font-size:.95rem}
.brands p{font-size:.85rem;color:var(--mut)}
.band{background:var(--teal);color:#fff}
.band h2{color:#fff}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.step b.num{display:inline-block;background:var(--navy);color:#fff;width:34px;height:34px;line-height:34px;text-align:center;border-radius:50%;margin-bottom:8px}
.faq details{border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:10px 0;background:#fff}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.ctaband{background:var(--navy);color:#fff;text-align:center}
.ctaband h2{color:#fff}
.ctaband p{color:#d6e5ef}
footer{background:#0a2036;color:#b9cddb;padding:36px 0 90px}
footer a{color:#d6e5ef}
footer h3{color:#fff;font-size:1rem}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px}
footer ul{list-style:none;margin:0}
footer li{margin:.35rem 0}
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--teal);text-align:center;padding:12px}
.callbar a{color:#fff;font-weight:800;text-decoration:none;font-size:1.1rem}
table{width:100%;border-collapse:collapse;margin:14px 0}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff}
.bread{font-size:.9rem;color:var(--mut);padding:14px 0 0}
.bread a{color:var(--blue)}
.notice{background:#fff8e1;border:1px solid #f0d48a;border-radius:10px;padding:14px 16px;margin:14px 0}
@media(max-width:820px){.hero .wrap,.split{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}footer .cols{grid-template-columns:1fr 1fr}nav.main{display:none}.callbar{display:block}h1{font-size:1.8rem}body{padding-bottom:0}}
@media(max-width:520px){.steps{grid-template-columns:1fr}footer .cols{grid-template-columns:1fr}}