:root{--navy:#102d52;--navy2:#173b67;--gold:#f5b754;--ink:#162235;--muted:#627086;--bg:#f7f8fb;--line:#e5e9f0;--white:#fff;--ease:cubic-bezier(.16,.8,.24,1)}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease),transform .7s var(--ease)}.reveal.in{opacity:1;transform:translateY(0)}.reveal-stagger>*{opacity:0;transform:translateY(22px);transition:opacity .6s var(--ease),transform .6s var(--ease)}.reveal-stagger.in>*{opacity:1;transform:translateY(0)}.reveal-stagger.in>*:nth-child(1){transition-delay:.03s}.reveal-stagger.in>*:nth-child(2){transition-delay:.11s}.reveal-stagger.in>*:nth-child(3){transition-delay:.19s}.reveal-stagger.in>*:nth-child(4){transition-delay:.27s}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}
.nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.navin{height:82px;display:flex;align-items:center;justify-content:space-between;gap:30px}.logo{flex:0 0 auto}.logo img{
    display:block;
    width:205px;
    height:auto;
}
.links{display:flex;gap:30px;align-items:center;justify-content:center;flex:1}.links a{color:#4d596c;text-decoration:none;font-size:14px;font-weight:700;white-space:nowrap;position:relative;padding:4px 0}.links a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--navy2);transition:width .25s var(--ease)}.links a:hover{color:var(--navy)}.links a:hover::after{width:100%}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border:0;cursor:pointer;padding:15px 21px;border-radius:11px;font-weight:800;font-size:14px;transition:transform .28s var(--ease),box-shadow .28s var(--ease)}.btn.gold{background:var(--gold);color:#172235}.btn.gold:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(245,183,84,.22)}.btn.blue{background:#195db6;color:white}.btn.blue:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(25,93,182,.22)}.btn.outline{border:1px solid #d8dee8;color:var(--navy);background:white}
.hero-lite{background:linear-gradient(135deg,var(--navy),#1c4c80);color:white;padding:56px 0 58px;overflow:hidden}.eyebrow{color:var(--gold);font-size:12px;font-weight:900;letter-spacing:1.6px;text-transform:uppercase}.hero-lite h1{font-size:clamp(34px,5vw,56px);line-height:1.03;letter-spacing:-2px;max-width:820px;margin:15px 0}.hero-lite p{max-width:700px;font-size:16px;color:#dce6f4}.hero-lite-actions{margin-top:26px}.hero-lite .eyebrow,.hero-lite h1,.hero-lite p,.hero-lite-actions{opacity:0;transform:translateY(18px);animation:heroRiseLite .8s var(--ease) forwards}.hero-lite .eyebrow{animation-delay:.08s}.hero-lite h1{animation-delay:.2s}.hero-lite p{animation-delay:.32s}.hero-lite-actions{animation-delay:.44s}@keyframes heroRiseLite{to{opacity:1;transform:translateY(0)}}.section{padding:60px 0;background:white}.section.alt{background:var(--bg)}.section h2{font-size:clamp(26px,3.2vw,38px);line-height:1.1;letter-spacing:-1.4px;margin:10px 0 18px}.lead{max-width:760px;color:var(--muted);font-size:16px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{background:white;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 12px 30px rgba(16,45,82,.05);transition:transform .28s var(--ease),box-shadow .28s var(--ease)}.card:hover{transform:translateY(-6px);box-shadow:0 22px 45px rgba(16,45,82,.12)}.card-icon{width:48px;height:48px;border-radius:14px;background:#eef4fb;color:#195db6;display:grid;place-items:center;font-size:20px;font-weight:800;margin-bottom:16px}.card .num{color:var(--gold);font-weight:900;font-size:14px}.card h3{margin:9px 0;font-size:18px}.card p{margin:0;color:var(--muted)}.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}.list{padding:0;margin:24px 0;list-style:none}.list li{padding:12px 0;border-bottom:1px solid var(--line);font-weight:650}.list li:before{content:"✓";color:#d99728;font-weight:900;margin-right:12px}.cta{padding:58px 0;background:var(--navy);color:white}.cta-box{display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{font-size:34px;line-height:1.1;margin:10px 0}.cta p{color:#c7d3e4;max-width:680px}.footer{background:#0d213b;color:#d6dfec;padding:70px 0 20px;border-top:0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}.footer-logo img{
    width:220px;
    background:white;
    border-radius:4px;
    padding:4px;
}.footer h4{color:white;margin:0 0 12px}.footer a{display:block;color:#b7c4d6;text-decoration:none;margin:8px 0;font-size:13px}.footer a:hover{color:var(--gold)}.footer p{color:#b7c4d6;max-width:390px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:18px;font-size:13px;display:flex;justify-content:space-between;gap:20px}.form{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field.full{grid-column:1/-1}.field label{display:block;font-size:13px;font-weight:800;margin-bottom:7px}.field input,.field select,.field textarea{width:100%;border:1px solid #d8dee8;border-radius:10px;padding:11px 13px;font:inherit;color:var(--ink);background:white}.field textarea{min-height:125px;resize:vertical}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{font-weight:800;cursor:pointer;list-style:none}summary::-webkit-details-marker{display:none}details p{color:var(--muted);max-width:800px}.notice{padding:18px;border-radius:14px;background:#fff7e8;border:1px solid #f4d391;color:#6b5325}
@media(max-width:800px){.links{display:none}.grid{grid-template-columns:1fr}.split{grid-template-columns:1fr;gap:30px}.footer-grid{grid-template-columns:1fr 1fr}.cta-box{align-items:flex-start;flex-direction:column}.form{grid-template-columns:1fr}.field.full{grid-column:auto}.hero-lite{padding:56px 0}.footer-bottom{flex-direction:column}.navin{height:64px}.logo img{
    width:170px;
}}


/* =====================================================
   CONSISTENT MOBILE NAVIGATION
===================================================== */
.mobile-toggle,.mobile-cta{display:none}

@media(max-width:800px){
  .nav{position:sticky;top:0;z-index:100}
  .navin{position:relative;height:72px;gap:14px}
  .navin > .btn.blue{display:none}

  .mobile-toggle{
    display:flex;
    width:44px;
    height:44px;
    margin-left:auto;
    border:1px solid var(--line);
    border-radius:10px;
    background:#fff;
    align-items:center;
    justify-content:center;
    flex-direction:column;
    gap:5px;
    cursor:pointer;
  }
  .mobile-toggle span{
    display:block;
    width:20px;
    height:2px;
    background:var(--ink);
    transition:transform .25s var(--ease),opacity .25s var(--ease);
  }
  .nav.menu-open .mobile-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav.menu-open .mobile-toggle span:nth-child(2){opacity:0}
  .nav.menu-open .mobile-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

  .links{
    display:none;
    position:absolute;
    top:72px;
    left:0;
    right:0;
    z-index:99;
    padding:18px 22px 24px;
    background:#fff;
    border-bottom:1px solid var(--line);
    box-shadow:0 18px 35px rgba(16,24,40,.10);
    flex-direction:column;
    align-items:stretch;
    gap:0;
  }
  .nav.menu-open .links{display:flex}
  .links a{
    display:block;
    padding:15px 4px;
    border-bottom:1px solid var(--line);
    font-size:16px;
  }
  .navin>.mobile-cta{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin-left:auto;
    padding:10px 16px;
    border:0;
    border-radius:10px;
    background:var(--navy2);
    color:#fff;
    font-weight:800;
    font-size:13px;
    white-space:nowrap;
    text-decoration:none;
    transform:none;
  }
  .navin>.mobile-cta:hover{color:#fff;transform:none}
  body.menu-lock{overflow:hidden}
}
@media(max-width:420px){
  .logo img{width:140px}
  .navin>.mobile-cta{padding:9px 12px;font-size:12px}
}