:root {
  --navy: #0b3d6b;
  --navy-dark: #082847;
  --teal: #0891b2;
  --teal-light: #22d3ee;
  --sky: #e0f2fe;
  --bg: #f8fafc;
  --text: #0f172a;
  --muted: #475569;
  --border: #cbd5e1;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(11, 61, 107, 0.12);
  --radius: 14px;
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { width: min(var(--max), calc(100% - 2rem)); margin-inline: auto; }
.eyebrow {
  color: var(--teal);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.78rem;
  margin: 0 0 0.5rem;
}
.section { padding: 4.5rem 0; }
.section-alt { background: var(--white); }
.section-title { font-size: clamp(1.8rem, 3vw, 2.4rem); margin: 0 0 1rem; color: var(--navy); }
.section-lead { color: var(--muted); max-width: 62ch; margin: 0 0 2rem; }

.topbar {
  background: var(--navy-dark);
  color: #dbeafe;
  font-size: 0.92rem;
}
.topbar-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
  justify-content: center;
  padding: 0.55rem 1rem;
}
.topbar a { color: #dbeafe; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0;
}
.logo img { height: 42px; width: auto; }
.nav { display: flex; align-items: center; gap: 1.1rem; flex-wrap: wrap; }
.nav a {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
}
.nav a:hover, .nav a.active { color: var(--teal); }
.nav-cta {
  background: var(--teal);
  color: var(--white) !important;
  padding: 0.65rem 1rem;
  border-radius: 999px;
}
.nav-cta:hover { background: #0e7490; text-decoration: none; }
.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--navy);
}

.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #145da0 55%, var(--teal) 100%);
  color: var(--white);
  padding: 5rem 0 4.5rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.15;
  margin: 0 0 1rem;
}
.hero-lead { font-size: 1.08rem; opacity: 0.95; max-width: 56ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-top: 1.5rem; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.25rem;
  border-radius: 999px;
  font-weight: 700;
  border: 0;
  cursor: pointer;
  text-decoration: none;
}
.btn-primary { background: var(--white); color: var(--navy); }
.btn-secondary { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.75); }
.btn-teal { background: var(--teal); color: var(--white); }
.btn:hover { text-decoration: none; filter: brightness(0.98); }

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow);
}
.card h3 { margin: 0 0 0.5rem; color: var(--navy); }
.card p { margin: 0; color: var(--muted); }

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1rem;
}
.stat {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-align: center;
  border: 1px solid var(--border);
}
.stat strong {
  display: block;
  font-size: 1.8rem;
  color: var(--teal);
  line-height: 1.1;
}
.stat span { color: var(--muted); font-size: 0.92rem; }

.process-steps { counter-reset: step; display: grid; gap: 1rem; }
.process-step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.25rem 4rem;
  position: relative;
  border: 1px solid var(--border);
}
.process-step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 1rem;
  top: 1rem;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  display: grid;
  place-items: center;
  font-weight: 700;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

.form-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}
.form-grid { display: grid; gap: 0.85rem; }
label { font-weight: 600; font-size: 0.92rem; color: var(--navy); }
input, select, textarea {
  width: 100%;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  font: inherit;
}
textarea { min-height: 120px; resize: vertical; }

.faq details {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 0.85rem 1rem;
  margin-bottom: 0.75rem;
}
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); }

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
}
.blog-card-body { padding: 1.1rem; }
.blog-card h3 { margin: 0 0 0.5rem; font-size: 1.05rem; }
.meta { color: var(--muted); font-size: 0.85rem; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem;
  border: 1px solid var(--border);
  text-align: center;
}
.avatar {
  width: 84px;
  height: 84px;
  border-radius: 50%;
  margin: 0 auto 0.75rem;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: white;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 1.4rem;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.badge-pill {
  background: var(--sky);
  color: var(--navy);
  border: 1px solid #bae6fd;
  padding: 0.45rem 0.8rem;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 600;
}

.page-hero {
  background: linear-gradient(135deg, var(--navy), #145da0);
  color: white;
  padding: 3rem 0;
}
.page-hero h1 { margin: 0; font-size: clamp(1.8rem, 3vw, 2.6rem); }
.prose { max-width: 72ch; }
.prose h2 { color: var(--navy); margin-top: 2rem; }
.prose ul { padding-left: 1.2rem; }

.site-footer {
  background: var(--navy-dark);
  color: #dbeafe;
  padding: 3rem 0 1.5rem;
  margin-top: 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.5rem;
}
.site-footer h3 { color: white; margin-top: 0; }
.site-footer a { color: #dbeafe; }
.footer-bottom {
  margin-top: 2rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.15);
  font-size: 0.9rem;
  color: #93c5fd;
}

.banner-note {
  background: #ecfeff;
  border: 1px solid #a5f3fc;
  color: #155e75;
  padding: 0.85rem 1rem;
  border-radius: 12px;
  margin-bottom: 1.5rem;
  font-size: 0.92rem;
}

@media (max-width: 900px) {
  .hero-grid, .two-col { grid-template-columns: 1fr; }
  .menu-toggle { display: block; }
  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    flex-direction: column;
    padding: 1rem;
    border-bottom: 1px solid var(--border);
  }
  .nav.open { display: flex; }
  .header-inner { position: relative; }
}