:root{
  --navy:#0F2A43; --navy-2:#15395c; --navy-3:#1f4e7a;
  --accent:#C8A24B; --accent-2:#b08f3e;
  --ink:#0c1722; --slate:#46586b; --mut:#73859a;
  --bg:#ffffff; --soft:#f6f8fb; --soft-2:#eef3f8; --line:#e6edf3;
  --ok:#15803d; --maxw:1100px; --radius:16px;
  --sh-sm:0 1px 2px rgba(15,42,67,.06),0 1px 3px rgba(15,42,67,.05);
  --sh:0 18px 40px -20px rgba(15,42,67,.22);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
h1,h2,h3{font-family:'Sora','Inter',sans-serif;line-height:1.2;letter-spacing:-.02em;color:var(--ink)}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;padding:13px 24px;border-radius:11px;border:1px solid transparent;cursor:pointer;transition:.18s}
.btn-primary{background:var(--navy);color:#fff;box-shadow:var(--sh-sm)}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-accent{background:var(--accent);color:#1c1305}
.btn-accent:hover{background:var(--accent-2);transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--navy)}
.btn-lg{padding:16px 32px;font-size:16px}

/* Header */
header.site{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.9);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:16px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-family:'Sora';font-weight:800;color:var(--navy)}
.brand .mark{width:32px;height:32px;border-radius:9px;background:linear-gradient(135deg,var(--navy-2),var(--navy-3));display:grid;place-items:center;color:#fff;font-weight:800}
header.site nav{margin-left:auto;display:flex;align-items:center;gap:22px}
header.site nav a{color:var(--slate);font-size:14px;font-weight:500}
header.site nav a:hover{color:var(--navy)}

/* Hero */
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line)}
.hero .wrap{padding:60px 22px 54px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--navy-3);background:var(--soft-2);border:1px solid var(--line);padding:6px 12px;border-radius:999px}
.hero h1{font-size:clamp(30px,5vw,46px);margin:18px 0 16px;max-width:18ch}
.hero p.lead{font-size:19px;color:var(--slate);max-width:60ch}
.hero .cta{margin-top:26px;display:flex;flex-wrap:wrap;gap:12px}
.note{margin-top:12px;color:var(--mut);font-size:13px}

/* Sections */
section{padding:54px 0}
section.soft{background:var(--soft)}
.sec-head{max-width:62ch;margin-bottom:30px}
.sec-head .eyebrow{margin-bottom:12px}
.sec-head h2{font-size:clamp(24px,3.4vw,32px)}
.sec-head p{color:var(--slate);margin-top:10px;font-size:17px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--sh-sm)}
.card .ic{font-size:24px;margin-bottom:10px}
.card h3{font-size:18px;margin-bottom:6px}
.card p{color:var(--slate);font-size:15px}
ol.steps{counter-reset:s;display:grid;gap:14px;max-width:760px}
ol.steps li{counter-increment:s;list-style:none;position:relative;padding:16px 18px 16px 56px;background:#fff;border:1px solid var(--line);border-radius:12px}
ol.steps li::before{content:counter(s);position:absolute;left:14px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:8px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-family:'Sora'}
ol.steps li strong{display:block;color:var(--ink)}
ol.steps li span{color:var(--slate);font-size:15px}
.prose p{color:var(--slate);margin-bottom:14px;font-size:16.5px}
.prose h2{font-size:26px;margin:8px 0 12px}

/* FAQ */
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin-bottom:10px}
details.faq summary{cursor:pointer;font-weight:600;padding:16px 0;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq p{color:var(--slate);padding:0 0 16px;font-size:15px}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-3));border-radius:20px;padding:42px;text-align:center;color:#fff}
.cta-band h2{color:#fff;font-size:clamp(22px,3vw,30px)}
.cta-band p{color:#cdd9e6;margin:10px auto 0;max-width:60ch}
.cta-band .cta{margin-top:22px;display:flex;justify-content:center;gap:12px;flex-wrap:wrap}

/* Related */
.related a{display:inline-block;margin-right:14px;color:var(--navy-3);font-weight:600}
.related a:hover{text-decoration:underline}

footer.site{border-top:1px solid var(--line);background:var(--soft);padding:30px 0;color:var(--mut);font-size:14px}
footer.site .wrap{display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;align-items:center}
footer.site a{color:var(--slate)}
footer.site a:hover{color:var(--navy)}