:root{
  --navy:#0a2540;
  --navy-2:#13315c;
  --navy-light:#1e4a8a;
  --accent:#3b82f6;
  --bg:#ffffff;
  --soft:#f4f7fc;
  --text:#0a2540;
  --muted:#5a6b85;
  --border:#e3e9f3;
  --grad:linear-gradient(135deg,#0a2540 0%,#1e4a8a 100%);
  --grad-soft:linear-gradient(135deg,#f4f7fc 0%,#e8f0ff 100%);
  --shadow:0 10px 30px -10px rgba(10,37,64,.25);
  --shadow-lg:0 20px 50px -15px rgba(10,37,64,.35);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:var(--text);background:var(--bg);line-height:1.65;font-size:16px}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}

/* Header */
.hdr{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);z-index:100}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 20px}
.logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:22px;color:var(--navy);text-decoration:none}
.logo-box{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;background:var(--grad);color:#fff;border-radius:10px;font-weight:900;box-shadow:var(--shadow)}
.menu{display:flex;gap:28px}
.menu a{color:var(--text);text-decoration:none;font-weight:600;font-size:15px;transition:color .2s}
.menu a:hover{color:var(--accent)}
.cta{display:flex;gap:10px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 22px;border-radius:10px;font-weight:700;text-decoration:none;font-size:15px;border:2px solid transparent;cursor:pointer;transition:all .2s}
.btn-lg{padding:16px 32px;font-size:16px;border-radius:12px}
.btn-primary{background:var(--grad);color:#fff;box-shadow:var(--shadow)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.btn-ghost{background:transparent;color:#fff;border-color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}

/* Hero */
.hero{background:var(--grad-soft);padding:80px 0 90px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-100px;right:-100px;width:400px;height:400px;background:radial-gradient(circle,rgba(59,130,246,.15),transparent 70%);border-radius:50%}
.hero::after{content:'';position:absolute;bottom:-100px;left:-100px;width:400px;height:400px;background:radial-gradient(circle,rgba(10,37,64,.1),transparent 70%);border-radius:50%}
.hero-inner{position:relative;z-index:1}
.badge{display:inline-block;background:#fff;color:var(--navy);padding:8px 18px;border-radius:999px;font-weight:700;font-size:14px;box-shadow:var(--shadow);margin-bottom:24px}
.hero h1{font-size:clamp(40px,7vw,76px);font-weight:900;line-height:1.05;letter-spacing:-.02em;background:var(--grad);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;margin-bottom:20px}
.sub{font-size:18px;color:var(--muted);max-width:680px;margin:0 auto 36px}
.hero-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:30px}
.trust{list-style:none;display:flex;flex-wrap:wrap;gap:24px;justify-content:center;color:var(--muted);font-weight:600;font-size:14px}

/* Sections */
.section{padding:80px 0}
.section.alt{background:var(--soft)}
.section h2{font-size:clamp(28px,4vw,42px);font-weight:900;margin-bottom:20px;letter-spacing:-.01em;color:var(--navy)}
.section p{color:var(--muted);font-size:16px;margin-bottom:14px}
.section .center{text-align:center}
.sub-text{max-width:620px;margin:0 auto 40px !important;font-size:17px}
.mt{margin-top:30px}

/* Grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:30px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:30px}
.card{background:#fff;border:2px solid var(--border);border-radius:16px;padding:30px;transition:all .25s}
.card:hover{border-color:var(--accent);transform:translateY(-4px);box-shadow:var(--shadow)}
.card .icon{font-size:36px;margin-bottom:14px}
.card h3{font-size:20px;font-weight:800;margin-bottom:10px;color:var(--navy)}
.card p{color:var(--muted);font-size:15px;margin:0}
.step-num{display:inline-block;font-size:42px;font-weight:900;background:var(--grad);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;line-height:1;margin-bottom:8px}
.mini{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px;text-align:center}
.mini .icon{font-size:32px;margin-bottom:10px}
.mini h4{font-size:17px;font-weight:800;margin-bottom:6px;color:var(--navy)}
.mini p{font-size:14px;color:var(--muted);margin:0}

/* Stats */
.stats{background:var(--grad);padding:60px 0;color:#fff}
.stats .grid-4{margin:0;text-align:center}
.stat-num{font-size:clamp(32px,4vw,48px);font-weight:900;color:#fff}
.stat-lbl{margin-top:6px;font-weight:600;font-size:14px;opacity:.85}

/* List */
.list{padding-left:22px;color:var(--muted);font-size:16px}
.list li{margin-bottom:10px}
.list li strong{color:var(--navy)}

/* FAQ */
.faq details{background:#fff;border:2px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:12px;transition:border-color .2s}
.faq details[open]{border-color:var(--accent)}
.faq summary{font-weight:700;font-size:17px;cursor:pointer;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:'+';font-size:24px;font-weight:300;color:var(--accent)}
.faq details[open] summary::after{content:'−'}
.faq details p{margin-top:12px;color:var(--muted);font-size:15px}

/* Final CTA */
.cta-card{background:var(--grad);border-radius:24px;padding:60px 40px;text-align:center;color:#fff;box-shadow:var(--shadow-lg)}
.cta-card h2{color:#fff;font-size:clamp(28px,4vw,44px)}
.cta-card p{color:rgba(255,255,255,.9);font-size:18px;max-width:520px;margin:14px auto 30px}

/* Footer */
footer{background:var(--navy);color:#fff;padding:40px 0;text-align:center}
.foot p{margin-bottom:8px;color:rgba(255,255,255,.85);font-size:14px}
.foot .small{font-size:12px;opacity:.6;margin-top:14px}

/* Responsive */
@media(max-width:880px){
  .menu{display:none}
  .grid-3,.grid-4{grid-template-columns:1fr 1fr}
  .hero{padding:60px 0 70px}
  .section{padding:60px 0}
  .cta-card{padding:40px 24px}
}
@media(max-width:520px){
  .grid-3,.grid-4{grid-template-columns:1fr}
  .nav{padding:12px 16px}
  .cta .btn{padding:9px 14px;font-size:14px}
  .hero-btns{flex-direction:column}
  .hero-btns .btn{width:100%}
}