:root {
    --navy: #001f3f;
    --blue: #0056b3;
    --gold: #b8860b;
    --light: #f9f9f9;
    --text: #222;
    --muted: #5f6b7a;
    --border: #e7e7e7;
    --card: #fff;
    --shadow: 0 8px 24px rgba(0,0,0,.08);
    --max: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    margin: 0;
    font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
    line-height: 1.7;
    color: var(--text);
    background: #fff;
}

a { color: inherit; text-decoration: none; }

.container {
    width: min(var(--max), calc(100% - 32px));
    margin: 0 auto;
}

nav {
    background: var(--navy);
    color: #fff;
    padding: 14px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 12px rgba(0,0,0,.08);
}

.nav-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}

.brand {
    font-weight: 900;
    letter-spacing: .2px;
    font-size: 1.02rem;
}

.nav-links {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.nav-links a {
    color: #fff;
    padding: 10px 12px;
    border-radius: 10px;
    font-weight: 700;
}

.nav-links a:hover,
.nav-links a.active {
    background: rgba(255,255,255,.12);
}

.hero {
    background: linear-gradient(135deg, var(--navy), var(--blue));
    color: #fff;
    text-align: center;
    padding: 110px 20px 90px;
}

.hero h1 {
    font-size: clamp(2.1rem, 4vw, 4rem);
    line-height: 1.08;
    margin: 0 auto 16px;
    max-width: 980px;
    font-weight: 900;
}

.hero p {
    margin: 0 auto;
    max-width: 860px;
    font-size: 1.08rem;
    color: rgba(255,255,255,.92);
}

.actions {
    margin-top: 30px;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 14px;
}

.btn {
    display: inline-block;
    background: var(--gold);
    color: #fff;
    padding: 14px 24px;
    border-radius: 999px;
    font-weight: 800;
    box-shadow: 0 10px 18px rgba(184,134,11,.22);
}

.btn.secondary {
    background: transparent;
    border: 1px solid rgba(255,255,255,.3);
    box-shadow: none;
}

.section {
    padding: 72px 0;
}

.section.alt {
    background: var(--light);
}

.section h2 {
    margin: 0 0 12px;
    color: var(--navy);
    font-size: clamp(1.6rem, 2.5vw, 2.4rem);
    text-align: center;
}

.lead {
    margin: 0 auto 28px;
    color: var(--muted);
    max-width: 850px;
    text-align: center;
}

.grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
}

.card {
    background: var(--card);
    border: 1px solid var(--border);
    padding: 22px;
    border-radius: 18px;
    box-shadow: var(--shadow);
}

.card h3, .card h4 {
    margin-top: 0;
    color: var(--navy);
}

.card p { color: var(--muted); margin-bottom: 0; }

.pill {
    display: inline-block;
    padding: 7px 12px;
    border-radius: 999px;
    background: #edf3ff;
    color: var(--navy);
    font-size: .84rem;
    font-weight: 800;
    margin-bottom: 14px;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 14px;
}

.trust-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 18px;
    box-shadow: var(--shadow);
}

.trust-item strong {
    display: block;
    color: var(--navy);
    margin-bottom: 6px;
}

.split {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    gap: 22px;
    align-items: start;
}

.step-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 16px;
}

.step {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 22px;
    box-shadow: var(--shadow);
}

.step-num {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--navy);
    color: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    margin-bottom: 14px;
}

.featured {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 18px;
}

.feature-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 22px;
    box-shadow: var(--shadow);
}

.small-btn {
    display: inline-block;
    margin-top: 10px;
    background: var(--navy);
    color: #fff;
    padding: 10px 16px;
    border-radius: 999px;
    font-weight: 800;
}

.qa {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 18px 20px;
    margin-bottom: 12px;
    box-shadow: var(--shadow);
}

.qa strong {
    display: block;
    color: var(--navy);
    margin-bottom: 8px;
}

.contact-box {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 24px;
    box-shadow: var(--shadow);
}

.contact-list {
    display: grid;
    gap: 12px;
    margin-top: 18px;
}

.contact-list div {
    padding: 14px 16px;
    background: #f8fbff;
    border: 1px solid var(--border);
    border-radius: 14px;
}

footer {
    background: #0f172a;
    color: rgba(255,255,255,.88);
    text-align: center;
    padding: 24px 20px;
    margin-top: 50px;
}

footer p { margin: 6px 0; }

@media (max-width: 900px) {
    .split { grid-template-columns: 1fr; }
    .hero { padding: 82px 20px 70px; }
}