:root{
  --navy:#0b3558;
  --blue:#1769aa;
  --teal:#087e8b;
  --light:#f4f8fc;
  --text:#172033;
  --muted:#5d6875;
  --white:#ffffff;
  --border:#dce4ea;
}

*{
  box-sizing:border-box;
}

html{
  scroll-behavior:smooth;
}

body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
}

img{
  max-width:100%;
}

a{
  color:var(--blue);
}

.container{
  width:min(1120px, 92%);
  margin:0 auto;
}

/* Header */
.site-header{
  background:var(--white);
  border-bottom:1px solid #e7edf3;
  position:sticky;
  top:0;
  z-index:10;
}

.nav{
  min-height:72px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
}

.brand{
  font-size:21px;
  font-weight:700;
  color:var(--navy);
}

.nav-cta{
  display:inline-block;
  text-decoration:none;
  background:var(--teal);
  color:#fff;
  font-weight:700;
  padding:11px 17px;
  border-radius:8px;
}

/* Hero */
.hero{
  background:linear-gradient(135deg,#eef7fb 0%,#ffffff 100%);
  padding:72px 0;
}

.hero-grid{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:46px;
  align-items:center;
}

.eyebrow{
  display:inline-block;
  font-size:14px;
  font-weight:700;
  letter-spacing:.02em;
  color:var(--teal);
  margin-bottom:12px;
}

h1,h2,h3{
  color:var(--navy);
}

h1{
  font-size:clamp(36px,5vw,56px);
  line-height:1.08;
  margin:0 0 20px;
}

h2{
  font-size:clamp(28px,3vw,38px);
  line-height:1.2;
  margin:0 0 14px;
}

h3{
  margin:0 0 10px;
  font-size:22px;
}

.lead{
  font-size:20px;
  color:#3e4b58;
  margin:0 0 28px;
}

.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-bottom:20px;
}

.btn{
  display:inline-block;
  text-decoration:none;
  font-weight:700;
  padding:14px 22px;
  border-radius:8px;
  transition:transform .15s ease, box-shadow .15s ease;
}

.btn:hover{
  transform:translateY(-1px);
}

.btn-primary{
  background:var(--teal);
  color:#fff;
  box-shadow:0 8px 18px rgba(8,126,139,.18);
}

.btn-secondary{
  background:#fff;
  color:var(--navy);
  border:1px solid #cfd9e3;
}

.btn-light{
  background:#fff;
  color:var(--navy);
}

.full{
  width:100%;
  text-align:center;
}

.trust-row{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  color:#4f5c69;
  font-size:14px;
}

.hero-card{
  background:#fff;
  border-radius:16px;
  box-shadow:0 14px 38px rgba(11,53,88,.14);
  overflow:hidden;
}

/* Main sections */
.section{
  padding:68px 0;
}

.alt{
  background:var(--light);
}

.section-heading{
  max-width:760px;
  margin-bottom:30px;
}

.section-heading p{
  margin:0;
  color:var(--muted);
  font-size:18px;
}

.cards{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:20px;
}

.card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:12px;
  padding:24px;
  box-shadow:0 6px 18px rgba(11,53,88,.05);
}

.card p{
  margin:0;
  color:var(--muted);
}

.card-icon{
  font-size:30px;
  margin-bottom:12px;
}

.split{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:42px;
  align-items:start;
}

.check-list{
  padding-left:22px;
  margin:20px 0 0;
}

.check-list li{
  margin-bottom:8px;
}

.info-box{
  background:#fff;
  border:1px solid var(--border);
  border-radius:14px;
  padding:28px;
  box-shadow:0 10px 30px rgba(11,53,88,.08);
}

.info-box p{
  color:var(--muted);
}

/* CTA */
.cta-section{
  background:var(--navy);
  color:#fff;
  padding:56px 0;
}

.cta-inner{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:28px;
}

.cta-section h2{
  color:#fff;
}

.cta-section p{
  margin:0;
  color:#dbe8f0;
}

.eyebrow.light{
  color:#cfe8f4;
}

/* Footer */
.footer{
  background:#071f34;
  color:#dbe8f0;
  padding:30px 0;
  text-align:center;
}

.footer p{
  margin:5px 0;
}

.disclosure{
  font-size:13px;
  color:#b9cad8;
}

/* Mobile */
@media (max-width:900px){
  .hero-grid,
  .split{
    grid-template-columns:1fr;
  }

  .cards{
    grid-template-columns:repeat(2,1fr);
  }

  .cta-inner{
    align-items:flex-start;
    flex-direction:column;
  }
}

@media (max-width:600px){
  .nav{
    flex-direction:column;
    align-items:flex-start;
    padding:14px 0;
  }

  .hero{
    padding:50px 0;
  }

  .cards{
    grid-template-columns:1fr;
  }

  .hero-actions{
    flex-direction:column;
  }

  .btn{
    width:100%;
    text-align:center;
  }

  .trust-row{
    flex-direction:column;
    gap:6px;
  }
}