:root{
  --ink:#141b24;--ink-2:#44515f;--muted:#6b7785;--line:#e3e8ee;
  --bg:#ffffff;--bg-2:#f5f7fa;--bg-3:#eef2f6;
  --brand:#15568c;--brand-2:#1f6fb0;--brand-ink:#0d3a63;
  --accent:#e8f1f8;--ok:#1d7a52;--radius:10px;--wrap:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{color:var(--brand-ink)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:760px;margin:0 auto}

/* header */
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.top-in{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);font-size:19px;letter-spacing:-.01em}
.brand svg{flex:none}
.brand b{color:var(--brand)}
.nav{display:flex;gap:4px;flex-wrap:wrap}
.nav a{color:var(--ink-2);font-weight:600;font-size:15px;padding:9px 13px;border-radius:8px}
.nav a:hover{background:var(--bg-2);color:var(--ink)}
.nav a[aria-current="page"]{color:var(--brand);background:var(--accent)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--brand);color:#fff;font-weight:700;
  font-size:15px;padding:12px 20px;border-radius:9px;border:1px solid var(--brand);transition:background .15s}
.btn:hover{background:var(--brand-ink);color:#fff}
.btn.ghost{background:#fff;color:var(--brand);border-color:var(--line)}
.btn.ghost:hover{background:var(--bg-2);color:var(--brand-ink)}

/* sections */
.sec{padding:64px 0}
.sec.alt{background:var(--bg-2)}
.sec.tight{padding:44px 0}
h1,h2,h3,h4{line-height:1.2;letter-spacing:-.02em;color:var(--ink);margin:0 0 .5em}
.h1{font-size:clamp(30px,5vw,44px);font-weight:800}
.h2{font-size:clamp(24px,3.5vw,32px);font-weight:800;margin-bottom:.6em}
.h3{font-size:20px;font-weight:700}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:13px;font-weight:700;color:var(--brand);margin:0 0 14px}
.lead{font-size:19px;color:var(--ink-2)}
.c{text-align:center}
p{margin:0 0 1em}

/* hero */
.hero{padding:76px 0 64px;background:var(--bg-2);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero h1{margin-bottom:16px}
.hero .lead{margin-bottom:26px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px}
.panel h3{margin-bottom:16px}
.panel ul{list-style:none;margin:0;padding:0}
.panel li{display:flex;gap:11px;align-items:flex-start;padding:9px 0;border-top:1px solid var(--line);color:var(--ink-2);font-size:15px}
.panel li:first-child{border-top:0}
.panel li svg{flex:none;margin-top:3px;color:var(--ok)}

/* grids */
.grid{display:grid;gap:22px}
.grid.cols3{grid-template-columns:repeat(3,1fr)}
.grid.cols2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}
.card.alt{background:var(--bg-2)}
.ico{width:46px;height:46px;border-radius:10px;background:var(--accent);display:flex;align-items:center;justify-content:center;color:var(--brand);margin-bottom:16px}
.card h3{font-size:19px;margin-bottom:8px}
.card p{color:var(--ink-2);font-size:15.5px;margin:0}

/* stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;text-align:center}
.stats .n{font-size:34px;font-weight:800;color:var(--brand);line-height:1}
.stats span{display:block;color:var(--muted);font-size:14px;margin-top:8px}

/* steps / list */
ul.ticks{list-style:none;padding:0;margin:0}
ul.ticks li{position:relative;padding:8px 0 8px 30px;color:var(--ink-2)}
ul.ticks li::before{content:"";position:absolute;left:0;top:14px;width:16px;height:16px;border-radius:50%;
  background:var(--accent);border:2px solid var(--brand)}

/* cta band */
.band{background:var(--brand);color:#fff;border-radius:16px;padding:44px;text-align:center}
.band h2{color:#fff}
.band p{color:#dce9f3;max-width:620px;margin:0 auto 24px}
.band .btn{background:#fff;color:var(--brand);border-color:#fff}
.band .btn:hover{background:var(--bg-2)}

/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;padding:4px 18px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--brand);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink-2);padding-bottom:14px;margin:0}

/* article / legal */
.article h2{font-size:22px;margin-top:1.6em}
.article h3{font-size:18px;margin-top:1.3em}
.article p,.article li{color:var(--ink-2)}
.article ul{padding-left:20px}

/* page head */
.phead{padding:52px 0 40px;background:var(--bg-2);border-bottom:1px solid var(--line)}
.phead .kicker{margin-bottom:10px}

/* footer */
.foot{background:#0f1720;color:#aeb8c4;padding:52px 0 28px;font-size:14.5px}
.foot a{color:#cdd6e0}
.foot a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:34px;margin-bottom:30px}
.foot .brand{color:#fff;margin-bottom:14px}
.foot .brand b{color:#6db0e6}
.foot h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{padding:5px 0}
.foot-bottom{border-top:1px solid #243041;padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#7d8a98;font-size:13px}

.mt{margin-top:28px}
@media(max-width:860px){
  .hero-in{grid-template-columns:1fr;gap:32px}
  .grid.cols3{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  body{font-size:16px}
  .nav{display:none}
  .grid.cols3,.grid.cols2,.stats{grid-template-columns:1fr}
  .sec{padding:48px 0}
  .band{padding:32px 22px}
  .foot-grid{grid-template-columns:1fr}
}