:root{--navy:#0b2545;--navy2:#13315c;--orange:#ff7a1a;--orange2:#e8650a;--ink:#1b2433;--muted:#5b6678;--bg:#ffffff;--alt:#f3f6fb;--line:#e3e9f2;--r:16px;--shadow:0 10px 30px rgba(11,37,69,.10)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img,svg{max-width:100%;height:auto}
a{color:var(--orange2);text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.4rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,4vw,2.4rem);letter-spacing:-.01em}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.ico{width:22px;height:22px;flex:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:#fff;border:0;border-radius:999px;padding:14px 28px;font-weight:700;font-size:1rem;cursor:pointer;transition:.2s;text-decoration:none!important;font-family:inherit}
.btn:hover{background:var(--orange2);transform:translateY(-1px)}
.btn-sm{padding:10px 20px;font-size:.92rem}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--orange);margin-bottom:.8rem}
.eyebrow.dark{color:var(--orange2)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;text-decoration:none!important}
.brand .logo{height:54px;width:auto;display:block}
.brand.light{display:inline-flex;background:#fff;padding:8px 14px;border-radius:12px;margin-bottom:16px}
.brand.light .logo{height:44px}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--navy);font-weight:600;font-size:.95rem;text-decoration:none}
.nav a:hover,.nav a.active{color:var(--orange2)}
.nav .nav-login{display:none;color:#fff}
.bar-right{display:flex;align-items:center;gap:16px}
.help{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:700;text-decoration:none!important;line-height:1.2}
.help small{display:block;font-weight:500;color:var(--muted);font-size:.72rem}
.help .ico{color:var(--orange);width:30px;height:30px;padding:5px;background:#fff3e8;border-radius:50%;box-sizing:content-box}
.burger{display:none;background:none;border:0;width:44px;height:44px;padding:10px;cursor:pointer}
.burger span{display:block;height:3px;background:var(--navy);border-radius:2px;margin:5px 0;transition:.25s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 64px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:center}
.hero h1{color:#fff}.hero h1 em{color:var(--orange);font-style:normal}
.lead{font-size:1.1rem;color:#d4dff0;max-width:34em}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;color:#d4dff0;font-size:.92rem}
.ticks li{display:flex;align-items:center;gap:6px}.ticks .ico{color:var(--orange);width:18px;height:18px}
.photo{position:relative;border-radius:22px;overflow:hidden;aspect-ratio:4/3;background:#13315c;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.photo img{width:100%;height:100%;object-fit:cover;display:block}
.photo.tall{aspect-ratio:1/1.05;box-shadow:var(--shadow)}
.badge{position:absolute;left:16px;bottom:16px;display:flex;gap:10px;align-items:center;background:#fff;color:var(--navy);padding:10px 16px;border-radius:14px;box-shadow:0 8px 24px rgba(0,0,0,.25)}
.badge .ico{color:var(--orange);width:28px;height:28px}
.badge b{display:block;line-height:1.2}.badge small{color:var(--muted);font-size:.8rem}

.strip{background:var(--orange);color:#fff}
.strip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding-top:18px;padding-bottom:18px}
.strip-grid>div{display:flex;align-items:center;gap:12px}
.strip small{display:block;opacity:.85;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em}
.strip a{color:#fff;font-weight:700}

/* sections */
.section{padding:84px 0;scroll-margin-top:72px}
.section.alt{background:var(--alt)}
section[id]{scroll-margin-top:76px}
.head{max-width:680px;margin-bottom:44px}.head.center{margin-left:auto;margin-right:auto;text-align:center}
.head p{color:var(--muted)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.two.top{align-items:start}
.list{list-style:none;padding:0;margin:0 0 28px}
.list li{display:flex;gap:10px;align-items:flex-start;margin-bottom:10px;font-weight:500}
.list .ico{color:#fff;background:var(--orange);border-radius:50%;padding:4px;width:24px;height:24px;margin-top:2px}

.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.why{background:#fff;border-radius:var(--r);padding:26px;box-shadow:var(--shadow);display:block}
.why p{color:var(--muted);margin:0;font-size:.95rem}
.ic{width:52px;height:52px;border-radius:14px;background:#fff3e8;color:var(--orange);display:grid;place-items:center;margin-bottom:16px}
.ic .ico{width:26px;height:26px}

.cards{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.cards .card{grid-column:span 2}
.cards .card:nth-child(4){grid-column:2/span 2}
.cards .card:nth-child(5){grid-column:4/span 2}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:.25s}
.card-img{aspect-ratio:16/10;background:var(--alt);overflow:hidden}
.card-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s}
.card:hover .card-img img{transform:scale(1.05)}
.card-body{padding:24px 26px 28px}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card p{color:var(--muted);font-size:.96rem}
.more{font-weight:700;font-size:.92rem}

.process{background:linear-gradient(rgba(11,37,69,.92),rgba(11,37,69,.94)),var(--bg) center/cover no-repeat,var(--navy);color:#fff}
.cta-band{background:linear-gradient(105deg,rgba(11,37,69,.93) 30%,rgba(11,37,69,.65)),var(--bg) center/cover no-repeat,var(--navy);color:#fff;padding:64px 0}
.cta-in{display:flex;flex-wrap:wrap;gap:24px 40px;align-items:center;justify-content:space-between}
.cta-in h2{color:#fff;margin-bottom:.3em}.cta-in p{color:#d4dff0;margin:0;max-width:34em}
.cta-in .cta-row{margin:0}
.process h2,.process h3{color:#fff}
.head.light p{color:#c5d3ea}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps li{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:28px}
.steps b{display:block;font-size:2.4rem;color:var(--orange);line-height:1;margin-bottom:12px}
.steps p{color:#c5d3ea;margin:0}

.info{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:18px}
.info li{display:flex;gap:14px;align-items:flex-start}
.info .ico{color:var(--orange);background:#fff3e8;border-radius:12px;padding:11px;width:46px;height:46px;box-sizing:border-box}
.info small{display:block;color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}
.form{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.form label{display:block;font-weight:600;font-size:.9rem;margin-bottom:14px;color:var(--navy)}
.form input,.form textarea{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;color:var(--ink);background:#fbfcfe}
.form input:focus,.form textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(255,122,26,.18)}
.form .btn{width:100%}
.form input.err{border-color:#d93025}
.note{font-size:.8rem;color:var(--muted);margin:12px 0 0}

/* footer */
.site-footer{background:#07182f;color:#b9c6dc;padding-top:56px;font-size:.94rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}
.site-footer a{color:#b9c6dc}.site-footer a:hover{color:var(--orange)}
.fbottom{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding:20px;font-size:.88rem}
.fbottom a{color:var(--orange);font-weight:600}
.wa-float{position:fixed;right:16px;bottom:calc(16px + env(safe-area-inset-bottom));width:54px;height:54px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 8px 22px rgba(0,0,0,.28);z-index:40}
.wa-float .ico{width:28px;height:28px}

/* legal */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:48px 0}
.page-hero h1{color:#fff;margin-bottom:.2em}.page-hero p{margin:0;color:#c5d3ea}
.legal{display:grid;grid-template-columns:260px 1fr;gap:48px;align-items:start}
.toc{position:sticky;top:96px;background:var(--alt);border-radius:var(--r);padding:20px;font-size:.92rem}
.toc ol{padding-left:18px;margin:10px 0 18px}.toc li{margin-bottom:6px}
.toc a{color:var(--navy)}
.toc .other a{display:block;margin-top:6px}
.doc{max-width:760px}
.doc section{margin-bottom:34px;scroll-margin-top:90px}
.doc h2{font-size:1.35rem}
.doc ul,.doc ol{padding-left:22px}.doc li{margin-bottom:6px}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* tablet */
@media (max-width:1020px){
.why-grid{grid-template-columns:repeat(2,1fr)}
.cards{grid-template-columns:repeat(2,1fr)}
.cards .card,.cards .card:nth-child(4),.cards .card:nth-child(5){grid-column:auto}
.fgrid{grid-template-columns:1fr 1fr}
.help span small{display:none}
}
/* mobile */
@media (max-width:860px){
.burger{display:block}
.hide-m{display:none}
.help span{display:none}
.help .ico{width:22px;height:22px}
.nav{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(11,37,69,.12);transform:translateY(-120%);visibility:hidden;transition:transform .3s,visibility .3s;max-height:calc(100vh - 72px);overflow:auto}
.nav.open{transform:none;visibility:visible}
.nav a{padding:14px 4px;border-bottom:1px solid var(--line)}
.nav .nav-login{display:inline-flex;margin-top:14px;border:0;justify-content:center}
.hero{padding:36px 0 44px}
.hero-grid,.two,.legal{grid-template-columns:1fr}
.hero-art{order:-1}
.two{gap:30px}
.strip-grid{grid-template-columns:1fr;gap:12px}
.section{padding:56px 0}
.steps{grid-template-columns:1fr}
.legal{gap:24px}
.toc{position:static}
}
@media (max-width:560px){
.wrap{padding:0 16px}
.why-grid,.cards,.fgrid{grid-template-columns:1fr}
.cta-row .btn{flex:1 1 100%}
.brand .logo{height:40px}
.form{padding:22px}
.fbottom{flex-direction:column}
}