:root{--navy:#082642;--navy2:#0d355b;--gold:#d99132;--gold2:#b9731f;--ink:#102033;--muted:#667085;--soft:#f6f8fb;--white:#fff;--line:#e5ebf1;--shadow:0 20px 55px rgba(8,38,66,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:inherit}.wrap{width:min(1160px,92%);margin:auto}.hero{background:radial-gradient(circle at 85% 15%,rgba(217,145,50,.34),transparent 28%),linear-gradient(135deg,#02172b,#082642 60%,#0d355b);color:#fff;padding-bottom:70px}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:20px 0}.brand{text-decoration:none;color:#fff;font-size:24px;font-weight:950;letter-spacing:.06em}.brand span{color:#ffd391}.nav nav{display:flex;gap:16px;flex-wrap:wrap}.nav nav a{text-decoration:none;color:#e7f0f8;font-weight:800;font-size:14px}.hero-grid,.split{display:grid;grid-template-columns:1.08fr .92fr;gap:36px;align-items:center}.hero-copy{padding:55px 0}.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:#ffd391;font-size:13px;font-weight:950;margin:0 0 14px}.hero h1{font-size:clamp(40px,6vw,68px);line-height:1.02;letter-spacing:-.05em;margin:0 0 20px}.lead{font-size:20px;color:#e7f0f8;margin:0 0 25px}.cta{display:flex;flex-wrap:wrap;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;color:#fff;background:linear-gradient(135deg,var(--gold),var(--gold2));border-radius:14px;padding:14px 21px;font-weight:950;box-shadow:0 16px 36px rgba(217,145,50,.28)}.btn.alt{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);box-shadow:none}.hero-card{background:#fff;color:var(--ink);border-radius:22px;padding:27px;box-shadow:var(--shadow)}.hero-card h2{font-size:29px;margin:0 0 12px}.hero-card li{margin:8px 0;color:#344054}.section{padding:75px 0}.white{background:#fff}.soft{background:var(--soft)}.dark{background:#082642;color:#fff}.section-head{text-align:center;max-width:830px;margin:0 auto 34px}.section-head h2,.split h2{font-size:clamp(30px,4vw,48px);line-height:1.08;letter-spacing:-.04em;margin:0 0 15px}.section-head p,.split p{color:var(--muted)}.section-head.light p{color:#d7e4ef}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:0 14px 38px rgba(8,38,66,.07)}.card h3{margin:0 0 8px;font-size:21px}.card p{color:var(--muted)}.ico{width:44px;height:44px;border-radius:14px;background:#fff4e5;color:#9a5b11;display:grid;place-items:center;font-weight:950;margin-bottom:13px}.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.link-grid a{display:block;text-decoration:none;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:18px}.link-grid b,.link-grid span{display:block}.link-grid span{color:#d7e4ef;margin-top:6px}.note{background:#fff8ed;border:1px solid #e9b96c;border-radius:20px;padding:24px;color:#704414}.faq{display:grid;gap:12px}.faq details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.faq summary{cursor:pointer;font-weight:950}.faq p{color:var(--muted)}.footer{background:#02172b;color:#fff;padding:29px 0}.footer-inner{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer a{color:#ffd391;text-decoration:none}.footer small{color:#a9bdcd}@media(max-width:850px){.hero-grid,.split,.cards,.link-grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.hero-copy{padding:32px 0}.section{padding:54px 0}.lead{font-size:18px}}