:root {
  --ink: #0f2337;
  --ink-soft: #2a445c;
  --blue: #1a6fa8;
  --blue-deep: #0e4d78;
  --sky: #e8f2f8;
  --mist: #f4f7fa;
  --line: #d5e2ec;
  --white: #ffffff;
  --accent: #3aa0d9;
  --muted: #5a7388;
  --radius: 12px;
  --shadow: 0 10px 40px rgba(15, 35, 55, 0.08);
  --font: "IBM Plex Sans", system-ui, sans-serif;
  --display: "IBM Plex Sans", system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 1.05rem;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-deep); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--blue); }
.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--ink); color: #fff; padding: .5rem 1rem; z-index: 100;
}
.skip:focus { left: 0; }
.wrap { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }
.topbar {
  background: var(--ink); color: #cfe3f2; text-align: center;
  font-size: .85rem; padding: .55rem 1rem; letter-spacing: .02em;
}
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .85rem 0;
}
.logo {
  font-weight: 700; font-size: 1.05rem; color: var(--ink);
  text-decoration: none; letter-spacing: -.01em;
}
.logo span { color: var(--blue); }
.nav { display: flex; flex-wrap: wrap; gap: .35rem .9rem; align-items: center; }
.nav a {
  color: var(--ink-soft); text-decoration: none; font-size: .92rem; font-weight: 500;
}
.nav a:hover { color: var(--blue); }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--blue-deep); color: #fff !important; text-decoration: none !important;
  border: none; border-radius: 999px; padding: .75rem 1.25rem;
  font-weight: 600; font-size: .95rem; cursor: pointer;
  transition: background .2s, transform .15s;
}
.btn:hover { background: var(--blue); transform: translateY(-1px); }
.btn-ghost {
  background: transparent; color: var(--ink) !important;
  border: 1px solid var(--line);
}
.btn-ghost:hover { border-color: var(--blue); color: var(--blue) !important; background: var(--sky); }
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(160deg, #0f2337 0%, #1a4a6e 55%, #256890 100%);
  color: #fff;
}
.hero-grid {
  display: grid; gap: 2rem; align-items: center;
  padding: 3.5rem 0 3rem;
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.05fr .95fr; padding: 4.5rem 0 4rem; }
}
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 600;
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--accent); margin-bottom: .75rem;
}
.hero h1 {
  font-family: var(--display); font-size: clamp(2rem, 4.5vw, 3.1rem);
  line-height: 1.15; margin: 0 0 1rem; letter-spacing: -.02em; font-weight: 700;
}
.hero p.lede { font-size: 1.1rem; color: #d5e7f4; max-width: 36rem; margin: 0 0 1.5rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; }
.hero-media {
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
  border: 1px solid rgba(255,255,255,.12);
}
.hero-media img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }
.section { padding: 4rem 0; }
.section.alt { background: var(--mist); }
.section-head { max-width: 40rem; margin-bottom: 2rem; }
.section-head h2 {
  font-size: clamp(1.55rem, 3vw, 2.1rem); margin: 0 0 .6rem;
  letter-spacing: -.02em; line-height: 1.2;
}
.section-head p { margin: 0; color: var(--muted); }
.cards {
  display: grid; gap: 1.25rem;
  grid-template-columns: 1fr;
}
@media (min-width: 700px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .cards.four { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 980px) { .cards.three { grid-template-columns: repeat(3, 1fr); } }
.card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.4rem 1.35rem;
  box-shadow: 0 4px 18px rgba(15,35,55,.04);
}
.card h3 { margin: 0 0 .5rem; font-size: 1.1rem; }
.card p { margin: 0; color: var(--muted); font-size: .98rem; }
.card .icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: var(--sky); color: var(--blue-deep);
  display: grid; place-items: center; margin-bottom: .9rem; font-weight: 700;
}
.split {
  display: grid; gap: 2rem; align-items: center;
}
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } }
.split img {
  border-radius: var(--radius); width: 100%; aspect-ratio: 16/11; object-fit: cover;
  border: 1px solid var(--line);
}
.steps { counter-reset: step; display: grid; gap: 1rem; }
.step {
  display: grid; grid-template-columns: auto 1fr; gap: 1rem;
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.2rem 1.3rem;
}
.step::before {
  counter-increment: step; content: counter(step);
  width: 2.1rem; height: 2.1rem; border-radius: 50%;
  background: var(--blue-deep); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: .9rem;
}
.step h3 { margin: 0 0 .35rem; font-size: 1.05rem; }
.step p { margin: 0; color: var(--muted); font-size: .95rem; }
.trust-list { display: grid; gap: .75rem; margin: 0; padding: 0; list-style: none; }
.trust-list li {
  padding: .9rem 1rem; border-left: 3px solid var(--accent);
  background: var(--sky); border-radius: 0 8px 8px 0;
}
.cta-band {
  background: linear-gradient(135deg, var(--ink), var(--blue-deep));
  color: #fff; border-radius: calc(var(--radius) + 4px);
  padding: 2.5rem 1.75rem; text-align: center;
}
.cta-band h2 { margin: 0 0 .6rem; font-size: clamp(1.5rem, 3vw, 2rem); }
.cta-band p { margin: 0 auto 1.25rem; max-width: 34rem; color: #cfe3f2; }
.note {
  font-size: .9rem; color: var(--muted); background: var(--mist);
  border: 1px dashed var(--line); border-radius: 8px; padding: .85rem 1rem; margin-top: 1rem;
}
.page-hero {
  background: var(--mist); border-bottom: 1px solid var(--line);
  padding: 2.75rem 0 2.25rem;
}
.page-hero h1 {
  margin: 0 0 .6rem; font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  letter-spacing: -.02em; line-height: 1.15;
}
.page-hero p { margin: 0; color: var(--muted); max-width: 40rem; }
.prose { padding: 3rem 0 4rem; max-width: 44rem; }
.prose h2 { margin: 2rem 0 .75rem; font-size: 1.35rem; }
.prose h3 { margin: 1.5rem 0 .5rem; font-size: 1.1rem; }
.prose p, .prose li { color: var(--ink-soft); }
.prose ul { padding-left: 1.2rem; }
.site-footer {
  background: var(--ink); color: #b7c9d8; padding: 3rem 0 2rem; margin-top: 2rem;
}
.footer-grid {
  display: grid; gap: 1.75rem;
  grid-template-columns: 1fr;
}
@media (min-width: 700px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.site-footer a { color: #dceaf5; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer h3 { color: #fff; margin: 0 0 .8rem; font-size: .95rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .45rem; }
.site-footer .fine {
  margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.1);
  font-size: .85rem; color: #8aa0b3;
}
.mobile-nav-toggle { display: none; }
@media (max-width: 760px) {
  .nav { display: none; }
  .nav.open { display: flex; flex-direction: column; align-items: flex-start; width: 100%; padding-bottom: .5rem; }
  .header-inner { flex-wrap: wrap; }
  .mobile-nav-toggle {
    display: inline-flex; background: var(--sky); border: 1px solid var(--line);
    border-radius: 8px; padding: .45rem .7rem; font-weight: 600; color: var(--ink);
  }
}