:root{
  --ink:#17212b; --muted:#5d6874; --line:#e2e7ec; --bg:#f6f8fa;
  --brand:#133b5c; --brand2:#1f5f8b; --accent:#d7a73c; --white:#fff;
  --shadow:0 12px 30px rgba(23,33,43,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1120px,92%);margin:auto}
.topbar{background:#0f2e46;color:#fff;font-size:.93rem}
.topbar .container{display:flex;gap:24px;justify-content:space-between;align-items:center;padding:8px 0;flex-wrap:wrap}
.topbar a{font-weight:700}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand{font-size:1.55rem;font-weight:800;letter-spacing:.2px;color:var(--brand)}
.brand span{color:var(--accent)}
nav{display:flex;align-items:center;gap:22px}
nav a{font-weight:700;font-size:.96rem}
nav a:hover{color:var(--brand2)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:9px 12px;font-size:1.1rem}
.btn{display:inline-block;border-radius:9px;padding:12px 18px;font-weight:800;border:2px solid transparent}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand2)}
.btn-secondary{border-color:var(--brand);color:var(--brand)}
.hero{background:linear-gradient(135deg,#edf4f8 0%,#fff 55%,#f5efe1 100%);padding:72px 0 62px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.kicker{text-transform:uppercase;letter-spacing:1.6px;font-weight:800;color:var(--brand2);font-size:.84rem}
h1{font-size:clamp(2.35rem,5vw,4.25rem);line-height:1.05;margin:.25em 0 .3em}
h2{font-size:clamp(1.8rem,3vw,2.65rem);line-height:1.15;margin:0 0 14px}
h3{line-height:1.2}
.lead{font-size:1.18rem;color:var(--muted);max-width:760px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.hero-card h3{margin-top:0}
.checks{list-style:none;padding:0;margin:18px 0 0}
.checks li{padding:7px 0;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.section{padding:72px 0}
.section.alt{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:34px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff;box-shadow:0 7px 18px rgba(23,33,43,.04)}
.card h3{margin:6px 0 10px}
.card p{color:var(--muted);margin:0 0 12px}
.card .more{font-weight:800;color:var(--brand2)}
.icon{width:42px;height:42px;border-radius:10px;background:#e8f1f7;display:grid;place-items:center;font-size:1.25rem;font-weight:800;color:var(--brand)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.info-box{background:var(--brand);color:#fff;padding:30px;border-radius:16px}
.info-box a{text-decoration:underline}
.service-hero{padding:60px 0;background:linear-gradient(135deg,#f2f7fa,#fff)}
.service-hero .container{max-width:900px}
.service-body{max-width:900px;margin:auto}
.service-body ul{padding-left:20px}
.notice{border-left:4px solid var(--accent);background:#fbf7ed;padding:16px 18px;border-radius:8px;margin:24px 0}
footer{background:#101d28;color:#dce4ea;padding:42px 0 24px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}
footer h3,footer h4{color:#fff}
footer a{color:#fff}
.small{font-size:.9rem;color:#73808c}
footer .small{color:#aebac4}
.copyright{margin-top:28px;padding-top:20px;border-top:1px solid #30404d}
@media(max-width:860px){
  .hero-grid,.split,.grid,.footer-grid{grid-template-columns:1fr}
  nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:20px 4%;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}
  nav.open{display:flex}
  .menu-btn{display:block}
  .topbar .container{justify-content:center}
}