:root{--blue:#2563EB;--navy:#0F172A;--grey:#64748B;--bg:#F8FAFC;--line:#E2E8F0;--soft:#EFF6FF}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--navy);font-family:'Manrope',Helvetica,Arial,sans-serif;line-height:1.6}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
a{color:var(--blue)}
.nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.navin{display:flex;align-items:center;gap:24px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:24px;line-height:1;letter-spacing:1px}
.logo b{font-weight:800;color:var(--navy)}.logo i{font-style:normal;font-weight:300;color:var(--grey);margin-left:7px}
.nav nav{display:flex;gap:6px;flex:1;flex-wrap:wrap}
.nav nav a{color:var(--grey);text-decoration:none;font-weight:500;padding:8px 12px;border-radius:8px}
.nav nav a:hover,.nav nav a.on{color:var(--navy);background:var(--bg)}
.btn{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;padding:14px 28px;border-radius:10px;border:0;font-size:16px;font-family:inherit;cursor:pointer}
.btn:hover{background:#1E40AF;color:#fff}.btn.sm{padding:10px 20px;font-size:15px}
.btn.ghost{background:#fff;color:var(--navy);border:1px solid #CBD5E1}.btn.ghost:hover{background:var(--bg);color:var(--navy)}
.hero{padding:88px 0 72px;background:#fff;border-bottom:1px solid var(--line)}
.hero h1,.phead h1{font-size:clamp(38px,6vw,64px);line-height:1.05;letter-spacing:-1.5px;margin:0 0 20px;font-weight:800;max-width:800px}
.hero h1 span{color:var(--blue)}.hero p.lede,.phead p{font-size:20px;color:var(--grey);font-weight:300;max-width:620px;margin:0 0 32px}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.phead{padding:64px 0 40px;background:#fff;border-bottom:1px solid var(--line)}.phead p{margin:0}
.strip{background:var(--navy);color:#fff}.strip .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;padding-top:36px;padding-bottom:36px;text-align:center}
.strip b{display:block;font-size:44px;font-weight:800;line-height:1.1;color:#93C5FD}.strip span{color:#CBD5E1;font-size:15px}
section{padding:72px 0}section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(28px,4vw,40px);letter-spacing:-.8px;line-height:1.15;margin:0 0 12px;font-weight:800}
h3{margin:0 0 6px;font-size:20px}.sub{color:var(--grey);font-size:18px;font-weight:300;margin:0 0 40px;max-width:640px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px}section.alt .card{background:var(--bg)}
.card p{margin:0;color:var(--grey)}.num{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;align-items:center;justify-content:center;margin-bottom:14px}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}
th,td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--bg);font-size:14px;color:var(--grey);letter-spacing:.5px}
td.us{background:var(--soft);font-weight:700;color:#1E3A8A}tr:last-child td{border-bottom:0}.tw{overflow-x:auto}
.cta{background:var(--blue);color:#fff;text-align:center}.cta h2{color:#fff}.cta p{color:#DBEAFE;font-size:18px;margin:0 0 28px}.cta .btn{background:#fff;color:var(--blue)}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:40px;align-items:start}
ul.chk{list-style:none;padding:0;margin:0}ul.chk li{padding:6px 0 6px 30px;position:relative}ul.chk li:before{content:"";position:absolute;left:0;top:13px;width:16px;height:9px;border-left:3px solid var(--blue);border-bottom:3px solid var(--blue);transform:rotate(-45deg) scale(.8)}
.ex{background:var(--soft);border:1px solid #BFDBFE;border-radius:14px;padding:28px}.ex div{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid #BFDBFE}.ex div:last-child{border:0;font-weight:800;font-size:20px}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 24px}summary{cursor:pointer;font-weight:700;padding:20px 0;font-size:18px}details p{margin:0 0 20px;color:var(--grey)}
form{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px}
fieldset{border:0;padding:0;margin:0 0 28px}legend{font-weight:800;font-size:20px;margin-bottom:14px;padding:0}
.f{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}label{display:block;font-weight:500;font-size:15px}label small{color:var(--grey);font-weight:300}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid #CBD5E1;border-radius:8px;font:inherit;background:#fff;color:var(--navy)}
input:focus,select:focus,textarea:focus{outline:2px solid #93C5FD;border-color:var(--blue)}.full{grid-column:1/-1}
input[type=checkbox]{display:inline-block;width:auto;margin:0 8px 0 0}.note{background:var(--soft);border-radius:10px;padding:14px 18px;color:#1E3A8A;font-size:15px;margin-bottom:24px}
footer{background:var(--navy);color:#CBD5E1;padding:48px 0 24px}footer .logo b{color:#fff}footer .logo i{color:#94A3B8}
.fin{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px}footer nav{display:flex;flex-direction:column;gap:8px}footer a{color:#CBD5E1;text-decoration:none}footer a:hover{color:#fff}
footer p{margin:12px 0 0;font-size:15px}.copy{margin-top:32px;padding-top:20px;border-top:1px solid #1E293B;font-size:14px;color:#94A3B8}
@media(max-width:700px){.hero{padding:56px 0 48px}section{padding:52px 0}.nav nav{order:3;flex-basis:100%}.navin{gap:12px}}