:root{--navy:#14284b;--teal:#1f8a9e;--lt:#eef4f7;--ink:#1c2733;--mut:#5a6a78}
*{box-sizing:border-box}body{margin:0;font-family:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--teal)}.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid #e1e8ee;position:sticky;top:0;z-index:5}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;flex-wrap:wrap;gap:10px}
.brand{font-weight:800;color:var(--navy);font-size:1.1rem;text-decoration:none;letter-spacing:.2px}.brand span{color:var(--teal)}
nav a{margin-left:20px;text-decoration:none;color:var(--navy);font-weight:600}nav a.on{color:var(--teal)}
button.btn{border:0;font:inherit;font-weight:700;cursor:pointer}
.btn{display:inline-block;background:var(--teal);color:#fff!important;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none}
.btn.alt{background:transparent;border:2px solid #fff}
.hero{background:linear-gradient(135deg,var(--navy),#1b3d6b);color:#fff;padding:78px 0}
.hero h1{font-size:2.3rem;line-height:1.2;margin:0 0 14px;max-width:760px}.hero p{font-size:1.1rem;max-width:640px;color:#d7e3ee;margin:0 0 26px}
.hero .btn+.btn{margin-left:10px}
section{padding:56px 0}section.alt{background:var(--lt)}
h2{color:var(--navy);font-size:1.7rem;margin:0 0 8px}.lead{color:var(--mut);margin:0 0 28px;max-width:680px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.card{background:#fff;border:1px solid #dde6ed;border-radius:12px;padding:22px}
.card h3{margin:0 0 6px;color:var(--navy);font-size:1.1rem}.card p{margin:0;color:var(--mut)}
.num{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--teal);color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
.cta{background:var(--navy);color:#fff;text-align:center;padding:52px 0}.cta h2{color:#fff}.cta p{color:#d7e3ee;margin:0 0 20px}
footer{background:#0e1c36;color:#aebbd0;padding:26px 0;font-size:.92rem}footer a{color:#fff}
form{display:grid;gap:12px;max-width:560px}label{font-weight:600;color:var(--navy);font-size:.95rem}
input,select,textarea{width:100%;padding:11px;border:1px solid #b9c6d0;border-radius:8px;font:inherit}
details{background:#fff;border:1px solid #dde6ed;border-radius:10px;padding:14px 18px;margin-bottom:10px}summary{font-weight:700;color:var(--navy);cursor:pointer}
@media(max-width:640px){.hero h1{font-size:1.75rem}.hero{padding:52px 0}nav a{margin:0 14px 0 0}.hero .btn+.btn{margin:10px 0 0}}