:root{
  --dark:#0b1f3a; --dark-2:#12305a; --accent:#0d9488; --accent-d:#0f766e; --tint:linear-gradient(135deg,#ccfbf1,#dbeafe); --eyebrow:#99f6e4;
  --glow1:rgba(59,130,246,.35); --glow2:rgba(20,184,166,.28);
  --ink:#1f2d3d; --muted:#52667a; --line:#e3e9f0; --bg:#f6f8fb; --radius:14px; --shadow:0 10px 30px rgba(15,23,42,.07); --max:1100px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
svg{display:block}
a{color:var(--accent-d)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--dark);font-weight:700;font-size:19px;letter-spacing:-.2px}
.brand svg{width:32px;height:32px;flex:0 0 32px}
.brand .bt{line-height:1.15}
.brand .bt span{font-weight:400}
@media (max-width:480px){.brand{font-size:16px;gap:8px}.site-header .btn-sm{padding:8px 12px;font-size:14px}}
.nav{display:flex;align-items:center;gap:24px}
.nav a{color:var(--ink);text-decoration:none;font-size:15px}
.nav a:hover{color:var(--accent-d)}
.nav .btn{color:#fff}
@media (max-width:820px){.nav a:not(.btn){display:none}}

.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;padding:13px 24px;border-radius:10px;font-size:16px;transition:background .15s,transform .15s;text-align:center}
.btn:hover{background:var(--accent-d);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-sm{padding:9px 16px;font-size:15px;white-space:nowrap}
.btn-lg{padding:16px 30px;font-size:17px}

.hero{background:radial-gradient(1100px 480px at 85% -10%,var(--glow1),transparent 60%),radial-gradient(900px 400px at 0% 110%,var(--glow2),transparent 60%),var(--dark);color:#fff;padding:84px 0 92px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow);font-weight:600;margin-bottom:14px}
.hero h1{font-size:clamp(33px,5vw,50px);line-height:1.1;margin:0 0 18px;letter-spacing:-1px}
.hero .lead{font-size:19px;color:rgba(255,255,255,.8);margin:0 0 30px;max-width:580px}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero .note{font-size:14px;color:rgba(255,255,255,.62);margin:16px 0 0}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:18px;padding:26px}
.hero-card h2{font-size:14px;font-weight:600;color:var(--eyebrow);margin:0 0 12px;letter-spacing:.06em;text-transform:uppercase}
.hero-card ul{list-style:none;margin:0;padding:0}
.hero-card li{display:flex;gap:12px;padding:11px 0;border-top:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.9)}
.hero-card li:first-child{border-top:0}
.tick{flex:0 0 22px;height:22px;border-radius:50%;background:rgba(255,255,255,.14);display:grid;place-items:center;color:var(--eyebrow);font-size:13px;font-weight:700}
@media (max-width:900px){.hero{padding:56px 0 60px}.hero .wrap{grid-template-columns:1fr;gap:30px}}

section{padding:80px 0}
.alt{background:var(--bg)}
.section-head{max-width:680px;margin:0 0 38px}
.section-head h2{font-size:clamp(27px,3.4vw,35px);line-height:1.2;margin:0 0 12px;color:var(--dark);letter-spacing:-.5px}
.section-head p{color:var(--muted);margin:0;font-size:17px}
@media (max-width:640px){section{padding:56px 0}}

.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:980px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:860px){.grid-3{grid-template-columns:1fr}}
@media (max-width:600px){.grid-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin:14px 0 8px;font-size:19px;color:var(--dark);line-height:1.3}
.card p{margin:0;color:var(--muted)}
.icon{width:46px;height:46px;flex:0 0 46px;border-radius:12px;background:var(--tint);display:grid;place-items:center}
.icon svg{width:24px;height:24px;stroke:var(--dark);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

.steps{list-style:none;margin:0;padding:0;counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:860px){.steps{grid-template-columns:1fr}}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px 24px 24px}
.steps li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--dark);color:#fff;font-weight:700;margin-bottom:14px}
.steps strong{display:block;color:var(--dark);font-size:18px;margin-bottom:6px}
.steps span{color:var(--muted)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:24px}}
.checklist{list-style:none;margin:0;padding:0}
.checklist li{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--line)}
.checklist li:first-child{border-top:0}
.checklist .tick{background:var(--tint);color:var(--dark)}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.panel h3{margin:0 0 8px;color:var(--dark);font-size:19px}
.panel p{margin:0 0 10px;color:var(--muted)}
.panel p:last-child{margin-bottom:0}

.band{background:var(--dark-2);color:#fff;padding:54px 0}
.band .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.band h2{margin:0 0 6px;font-size:clamp(23px,3vw,29px);letter-spacing:-.3px}
.band p{margin:0;color:rgba(255,255,255,.75)}

.faq{max-width:820px}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin:0 0 12px;padding:0 20px}
.faq summary{cursor:pointer;list-style:none;font-weight:600;color:var(--dark);padding:18px 30px 18px 0;position:relative;font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:24px;color:var(--accent-d);font-weight:400}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 18px;color:var(--muted)}

.final{text-align:center}
.final .section-head{margin:0 auto 26px}
.final .fine{font-size:14px;color:var(--muted);margin:16px auto 0;max-width:620px}

.site-footer{background:var(--dark);color:rgba(255,255,255,.72);padding:46px 0 34px;font-size:14px}
.site-footer .cols{display:grid;grid-template-columns:1.6fr 1fr;gap:32px}
@media (max-width:760px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer .brand{color:#fff;margin-bottom:12px}
.site-footer a{color:#fff}
.site-footer p{margin:6px 0}
.site-footer .disclosure{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:14px 16px;margin:0 0 12px}
.site-footer .bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:18px}

.legal{max-width:780px;margin:0 auto;padding:54px 20px 80px}
.legal h1{color:var(--dark);font-size:34px;margin:0 0 6px;letter-spacing:-.5px}
.legal h2{color:var(--dark);font-size:20px;margin:32px 0 8px}
.legal p,.legal li{color:#334155}
.legal .updated{color:var(--muted);margin:0 0 26px}