:root{
  --navy:#0b356b;
  --navy2:#082c5c;
  --blue:#0a6fe8;
  --cyan:#32c3df;
  --sky:#eaf8fc;
  --text:#102f55;
  --muted:#5d7592;
  --white:#fff;
  --border:#dce8f2;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}
a{color:inherit}
.wrap{width:min(1180px,92%);margin:auto}
.top{position:sticky;top:0;z-index:100;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{height:86px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;text-decoration:none;flex:none;width:145px;height:65px;overflow:hidden}
.brand img{display:block;width:140px;height:60px;max-width:140px;object-fit:contain}
.nav nav{display:flex;align-items:center;justify-content:flex-end;gap:34px}
.nav nav a{text-decoration:none;font-weight:650;font-size:16px;color:#fff;white-space:nowrap}
.nav nav a:hover{color:var(--cyan)}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;text-decoration:none;border:0;border-radius:5px;padding:12px 24px;font-weight:700;cursor:pointer}
.nav-btn{background:var(--cyan)!important;color:var(--navy)!important;padding:12px 24px}
.menu-toggle{display:none;background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:6px;padding:7px 10px;font-size:21px}

.hero{background:var(--cyan);padding:0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:480px}
.hero-copy{display:flex;flex-direction:column;justify-content:center;padding:70px 45px 70px 0;position:relative;z-index:2}
.hero-copy:after{content:"";position:absolute;right:-55px;top:0;border-top:480px solid transparent;border-right:55px solid #fff0;z-index:-1}
.hero h1{font-size:48px;line-height:1.2;letter-spacing:-1px;margin:0 0 24px;color:#0b2f57}
.hero p{font-size:19px;max-width:610px;color:#173c61;margin:0 0 30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.big{padding:14px 26px;font-size:16px}
.hero .btn{background:var(--navy)}
.outline-btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid rgba(11,53,107,.35);border-radius:5px;color:var(--navy);text-decoration:none;font-weight:700;background:transparent;padding:14px 26px}
.hero-visual{min-height:480px;background:#d9f5f8;position:relative;overflow:hidden}
.hero-photo{width:100%;height:100%;display:block;object-fit:cover}
.hero-placeholder{height:100%;min-height:480px;display:grid;place-items:center;background:linear-gradient(135deg,#c8f0f5,#8bd9e5)}
.hero-placeholder span{font-size:18px;font-weight:700;color:var(--navy)}

.section{padding:72px 0}
.white{background:#fff}
.light{background:#f4fbfd}
.navy-section{background:var(--navy);color:#fff}
.section-head{text-align:center;max-width:760px;margin:0 auto 38px}
.eyebrow{font-size:12px;letter-spacing:2px;font-weight:800;color:var(--blue)}
.navy-section .eyebrow{color:var(--cyan)}
.section-head h2,.two-col h2,.cta h2{font-size:38px;line-height:1.15;margin:10px 0 12px;letter-spacing:-.6px}
.section-head p,.two-col p{color:var(--muted);margin:0}
.navy-section p{color:#d8e8f8}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.op-card{background:#fff;border:1px solid var(--border);border-radius:10px;padding:28px;min-height:245px;box-shadow:0 10px 30px rgba(11,53,107,.06)}
.op-card.featured{border-top:4px solid var(--cyan)}
.op-card .icon{width:48px;height:48px;border-radius:8px;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-size:23px;font-weight:800}
.op-card h3{font-size:22px;margin:17px 0 8px;color:var(--navy)}
.op-card p{color:var(--muted)}
.op-card a{color:var(--blue);text-decoration:none;font-weight:750}
.two-col{display:grid;grid-template-columns:.9fr 1.1fr;gap:65px;align-items:start}
.steps{display:grid;gap:13px}
.steps>div{display:flex;gap:17px;background:#fff;border:1px solid var(--border);border-radius:9px;padding:17px 19px}
.steps b{color:var(--blue);font-size:14px}
.steps span{display:flex;flex-direction:column}
.steps strong{font-size:17px;color:var(--navy)}
.steps small{color:var(--muted);margin-top:2px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.stats div{padding:25px;background:#f8fcfd;border:1px solid var(--border);border-radius:9px;display:flex;flex-direction:column;gap:6px}
.stats strong{font-size:30px;color:var(--blue)}
.stats span{font-weight:700;color:var(--navy)}
.faq{max-width:850px}
.faq .section-head{text-align:left;margin-left:0}
.faq details{background:#fff;border:1px solid var(--border);border-radius:8px;margin:10px 0;padding:17px 20px}
.faq summary{cursor:pointer;font-weight:750;color:var(--navy)}
.faq p{color:var(--muted);margin:12px 0 0}
.cta{padding:65px 0;background:var(--navy);color:#fff}
.cta .eyebrow{color:var(--cyan)}
.cta h2{margin-bottom:8px}
.cta p{color:#d8e8f8}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta .btn{background:var(--cyan);color:var(--navy)!important}
footer{background:#06274f;color:#cfe0f1}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px;padding:48px 0 30px}
.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.footer-grid a{color:#cfe0f1;text-decoration:none}
.footer-grid h4{color:#fff;margin:0 0 6px}
.footer-logo{width:130px;height:55px;object-fit:contain}
.copyright{padding:18px 0;font-size:13px;border-top:1px solid rgba(255,255,255,.08)}
.page{padding:65px 0;min-height:70vh}
.page h1{font-size:44px;color:var(--navy);margin:8px 0 24px}
.card{background:#fff;border:1px solid var(--border);border-radius:10px;padding:30px;box-shadow:0 12px 35px rgba(11,53,107,.06)}
.form{max-width:780px;margin:0 auto}
.dash-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-weight:700;color:var(--navy);margin:0 0 7px}
.input{width:100%;border:1px solid #cbdbe8;border-radius:6px;padding:12px 13px;font:inherit;color:var(--text);background:#fff;outline:none}
.input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(10,111,232,.1)}
.form-actions{margin-top:22px}
.alert{background:#fff0f0;color:#a22;border:1px solid #f0caca;border-radius:7px;padding:12px;margin-bottom:18px}
@media (max-width:800px){
 .nav{height:72px}.brand{width:115px;height:56px}.brand img{width:112px;height:52px}
 .menu-toggle{display:block}
 .nav nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--navy);padding:15px 4%;flex-direction:column;align-items:stretch;gap:0}
 body.menu-open .nav nav{display:flex}
 .nav nav a{padding:12px 0}
 .nav-btn{text-align:center}
 .hero-grid{grid-template-columns:1fr}
 .hero-copy{padding:55px 0}.hero h1{font-size:40px}
 .hero-visual{min-height:300px}.hero-placeholder{min-height:300px}
 .grid3,.stats,.two-col{grid-template-columns:1fr}
 .section{padding:55px 0}.section-head h2{font-size:31px}
 .cta-inner{flex-direction:column;align-items:flex-start}
 .footer-grid{grid-template-columns:1fr;gap:25px}
 .dash-grid{grid-template-columns:1fr}
}