:root{
  --navy:#0b1f3a;
  --sky:#2a9ddb;
  --teal:#0f766e;
  --bg:#ffffff;
  --bg-soft:#f3f6f9;
  --text:#1c2a3a;
  --muted:#5c6d82;
  --line:#d9e2ec;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
}
a{color:#125f90;text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px}
.container{width:min(1120px,100% - 2.4rem);margin:0 auto}
.narrow{width:min(820px,100% - 2.4rem);margin:0 auto}

.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem .9rem;z-index:999}
.skip:focus{left:0}

.site-header{
  position:sticky;top:0;z-index:20;
  background:#fff;border-bottom:1px solid var(--line);
}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:70px}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy);font-weight:800}
.logo-mark{width:36px;height:36px}
.logo b{color:#12689b}
.nav-toggle{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.5rem}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy);margin:4px 0}
.main-nav{display:flex;align-items:center;gap:1rem}
.main-nav ul{display:flex;list-style:none;gap:.2rem;padding:0;margin:0}
.main-nav a:not(.btn){display:block;padding:.5rem .8rem;text-decoration:none;color:var(--navy);font-weight:600;border-radius:8px}
.main-nav a[aria-current="page"],.main-nav a:not(.btn):hover{background:var(--bg-soft)}
.has-sub{position:relative}
.sub{display:none;position:absolute;left:0;top:100%;min-width:240px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.4rem;box-shadow:0 8px 24px rgba(10,30,70,.12)}
.sub li{display:block}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:block}

.btn{display:inline-block;border-radius:999px;padding:.8rem 1.3rem;font-weight:700;text-decoration:none;border:2px solid transparent}
.btn-cta{background:var(--teal);color:#fff}
.btn-cta:hover{background:#0a5d57;color:#fff}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}

.hero{
  background:linear-gradient(135deg,#0b1f3a,#163b6a);
  color:#eaf2fa;
  padding:3rem 0;
}
.hero-in{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:2rem}
.hero h1{font-size:clamp(1.9rem,4.5vw,2.9rem);line-height:1.2;color:#fff;margin:.2rem 0 .6rem}
.kicker{font-size:.84rem;letter-spacing:.12em;text-transform:uppercase;color:#91ceef;margin:0 0 .5rem;font-weight:700}
.lead{font-size:1.1rem;max-width:62ch}
.hero-img{border-radius:20px}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.3rem}
.hero-small{padding:2.1rem 0}

.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:1rem 0 0;margin:0;color:var(--muted);font-size:.95rem}
.crumbs li+li::before{content:"›";margin-right:.4rem}

.section{padding:2.8rem 0}
.section.alt{background:var(--bg-soft)}
h2{font-size:clamp(1.45rem,3.2vw,2.1rem);line-height:1.2;color:var(--navy);margin:0 0 .8rem}
h3{font-size:1.15rem;color:var(--navy)}
.subtext{color:var(--muted);max-width:72ch}
.grid{display:grid;gap:1rem}
.cols-2{grid-template-columns:repeat(2,1fr)}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.2rem;box-shadow:0 4px 16px rgba(8,24,54,.06)
}
.card h3{margin-top:0}
.note{
  margin-top:1.2rem;padding:1rem 1.1rem;background:#e9f6fb;border-left:4px solid var(--sky);border-radius:10px
}
.steps{list-style:none;padding:0;margin:1rem 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;counter-reset:s}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1rem}
.steps li::before{
  content:counter(s);display:grid;place-items:center;width:34px;height:34px;background:var(--teal);color:#fff;border-radius:50%;font-weight:800;margin-bottom:.6rem
}
.faq-item{border:1px solid var(--line);border-radius:10px;padding:0 1rem;margin-bottom:.7rem;background:#fff}
.faq-item summary{cursor:pointer;padding:1rem 0;font-weight:700;color:var(--navy)}
.links{padding-left:1.2rem}

.cta-final{
  background:linear-gradient(135deg,#163b6a,#0b1f3a);
  color:#eaf2fa;
  text-align:center;
  padding:2.6rem 0
}
.cta-final h2{color:#fff}
.cta-final .btn-row{justify-content:center}

.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:1.4rem}
.field{display:flex;flex-direction:column;gap:.35rem;margin-bottom:1rem}
label{font-weight:600;color:var(--navy)}
input,select,textarea{
  font:inherit;padding:.72rem .85rem;border:1px solid #aebed0;border-radius:10px;background:#fff;color:var(--text)
}
input[aria-invalid="true"],select[aria-invalid="true"],textarea[aria-invalid="true"]{border-color:#b3261e}
.check{display:flex;gap:.6rem;align-items:flex-start}
.check input{width:22px;height:22px;flex:none;margin-top:.2rem}
.hp{position:absolute;left:-9999px}
.form-status{font-weight:700}
.form-status.ok{color:#0b6f3f}
.form-status.err{color:#b3261e}
.contact-list{list-style:none;padding:0}
mark{background:#fff3be;padding:0 .3em}

.site-footer{background:var(--navy);color:#c7d6e6;padding-top:2.4rem}
.site-footer a{color:#c7d6e6}
.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:1.4rem}
.footer-logo{font-weight:800;color:#fff}
.site-footer ul{list-style:none;padding:0}
.footer-bottom{border-top:1px solid #27486e;padding:1rem 0;margin-top:1rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.6rem;font-size:.94rem}

@media (max-width:980px){
  .hero-in,.contact-grid{grid-template-columns:1fr}
  .cols-3,.cols-4,.steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:830px){
  .nav-toggle{display:block}
  .main-nav{display:none;position:absolute;left:0;right:0;top:100%;padding:1rem;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}
  .main-nav.open{display:flex}
  .main-nav ul{flex-direction:column}
  .sub{display:block;position:static;box-shadow:none;border:0;padding:0 0 0 .8rem}
}
@media (max-width:620px){
  .cols-2,.cols-3,.cols-4,.steps,.footer-grid{grid-template-columns:1fr}
  .btn-row .btn{flex:1 1 100%}
}