:root {
  --navy: #001c40;
  --navy-2: #062a5a;
  --blue: #2f8edb;
  --blue-2: #66b8f3;
  --sky: #eaf6ff;
  --ice: #f5faff;
  --ink: #142235;
  --muted: #617187;
  --line: #dbe8f3;
  --white: #ffffff;
  --success: #0d766e;
  --shadow: 0 18px 55px rgba(0, 28, 64, 0.12);
  --radius: 22px;
  --container: 1200px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: "Avenir Next", "Segoe UI", Arial, sans-serif; color: var(--ink); background: var(--white); line-height: 1.65; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.skip-link { position: fixed; left: 1rem; top: -5rem; z-index: 9999; padding: .8rem 1rem; background: var(--navy); color: white; border-radius: 8px; }
.skip-link:focus { top: 1rem; }
.container { width: min(var(--container), calc(100% - 40px)); margin: 0 auto; }
.section { padding: 92px 0; }
.section-sm { padding: 64px 0; }
.section-soft { background: var(--ice); }
.section-navy { background: var(--navy); color: white; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin-bottom: 15px; color: var(--blue); font-size: .82rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.eyebrow:before { content: ""; width: 28px; height: 2px; background: currentColor; }
h1, h2, h3, h4 { margin: 0 0 16px; color: var(--navy); line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(2.65rem, 6vw, 5.6rem); }
h2 { font-size: clamp(2rem, 4vw, 3.45rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.65rem); }
p { margin: 0 0 18px; }
.lead { font-size: clamp(1.05rem, 1.8vw, 1.27rem); color: var(--muted); max-width: 720px; }
.text-center { text-align: center; }
.text-center .lead { margin-left: auto; margin-right: auto; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 52px; padding: 13px 24px; border-radius: 999px; border: 1px solid transparent; font-weight: 800; transition: .25s ease; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: linear-gradient(135deg, var(--blue), var(--blue-2)); color: white; box-shadow: 0 12px 28px rgba(47, 142, 219, .25); }
.btn-primary:hover { box-shadow: 0 16px 34px rgba(47, 142, 219, .35); }
.btn-secondary { border-color: rgba(255,255,255,.42); color: white; background: rgba(255,255,255,.08); }
.btn-light { background: white; color: var(--navy); }
.btn-outline { border-color: var(--line); color: var(--navy); background: white; }
.btn-row { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 28px; }

.topbar { background: var(--navy); color: rgba(255,255,255,.85); font-size: .84rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 18px; }
.topbar a:hover { color: white; }
.site-header { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,.96); backdrop-filter: blur(14px); border-bottom: 1px solid rgba(219,232,243,.85); }
.header-inner { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo img { width: 230px; height: auto; }
.nav-list { display: flex; align-items: center; list-style: none; gap: 4px; padding: 0; margin: 0; }
.nav-item { position: relative; }
.nav-link, .nav-toggle { display: inline-flex; align-items: center; gap: 5px; padding: 13px 12px; color: #29415e; font-weight: 700; font-size: .91rem; border: 0; background: transparent; }
.nav-link:hover, .nav-toggle:hover, .nav-link.active, .nav-toggle.active { color: var(--blue); }
.dropdown { position: absolute; top: calc(100% + 12px); left: 0; min-width: 260px; padding: 10px; background: white; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(8px); transition: .2s ease; }
.nav-item:hover > .dropdown, .nav-item:focus-within > .dropdown, .nav-item.open > .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: block; padding: 10px 12px; color: #39516d; font-weight: 650; border-radius: 10px; }
.dropdown a:hover { background: var(--sky); color: var(--navy); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.menu-button { display: none; width: 46px; height: 46px; border: 1px solid var(--line); background: white; border-radius: 12px; color: var(--navy); }

.hero { position: relative; overflow: hidden; min-height: 720px; display: flex; align-items: center; color: white; background: var(--navy); }
.hero:before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0,28,64,.97) 0%, rgba(0,28,64,.88) 48%, rgba(0,28,64,.28) 100%); z-index: 1; }
.hero-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-inner { position: relative; z-index: 2; padding: 110px 0; }
.hero-copy { max-width: 760px; }
.hero h1 { color: white; }
.hero .lead { color: rgba(255,255,255,.82); max-width: 660px; }
.hero-kicker { display: inline-flex; padding: 8px 13px; border: 1px solid rgba(255,255,255,.27); border-radius: 999px; background: rgba(255,255,255,.09); font-size: .82rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 22px; }
.hero-stats { margin-top: 42px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); max-width: 700px; border-top: 1px solid rgba(255,255,255,.22); padding-top: 25px; gap: 20px; }
.hero-stat strong { display: block; font-size: 1.06rem; color: white; }
.hero-stat span { color: rgba(255,255,255,.66); font-size: .9rem; }

.page-hero { padding: 92px 0 78px; background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: white; position: relative; overflow: hidden; }
.page-hero:after { content: ""; position: absolute; width: 420px; height: 420px; border-radius: 50%; right: -150px; top: -210px; background: radial-gradient(circle, rgba(102,184,243,.38), transparent 68%); }
.page-hero h1 { color: white; font-size: clamp(2.4rem, 5vw, 4.5rem); max-width: 900px; }
.page-hero .lead { color: rgba(255,255,255,.78); }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 20px; color: rgba(255,255,255,.65); font-size: .86rem; font-weight: 700; }
.breadcrumbs a:hover { color: white; }

.trust-strip { margin-top: -38px; position: relative; z-index: 5; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); background: white; box-shadow: var(--shadow); border-radius: var(--radius); overflow: hidden; }
.trust-item { padding: 26px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item strong { color: var(--navy); display: block; }
.trust-item span { color: var(--muted); font-size: .9rem; }

.grid-2 { display: grid; grid-template-columns: 1.02fr .98fr; gap: 64px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.image-card { position: relative; }
.image-card img { width: 100%; min-height: 480px; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); }
.image-card:after { content: ""; position: absolute; width: 140px; height: 140px; border: 3px solid var(--blue-2); border-radius: 28px; left: -24px; bottom: -24px; z-index: -1; }

.card { background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: 0 10px 35px rgba(0,28,64,.06); transition: .25s ease; }
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.card-icon { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 20px; background: var(--sky); color: var(--blue); font-size: 1.35rem; font-weight: 900; }
.card p { color: var(--muted); }
.card-link { display: inline-flex; gap: 8px; align-items: center; color: var(--blue); font-weight: 800; margin-top: 5px; }
.photo-card { overflow: hidden; border-radius: var(--radius); background: white; border: 1px solid var(--line); }
.photo-card img { width: 100%; height: 245px; object-fit: cover; }
.photo-card-body { padding: 25px; }
.photo-card p { color: var(--muted); }

.check-list { padding: 0; margin: 24px 0 0; list-style: none; display: grid; gap: 13px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; color: #42566e; }
.check-list li:before { content: "✓"; flex: 0 0 25px; width: 25px; height: 25px; border-radius: 50%; display: grid; place-items: center; background: var(--sky); color: var(--success); font-weight: 900; }
.process { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.process-card { position: relative; padding: 26px; border: 1px solid var(--line); border-radius: 20px; background: white; }
.process-card:before { counter-increment: step; content: "0" counter(step); display: block; color: var(--blue); font-weight: 900; letter-spacing: .08em; margin-bottom: 30px; }
.process-card p { color: var(--muted); }

.feature-band { padding: 64px; border-radius: 30px; background: linear-gradient(135deg, var(--navy), #074b89); color: white; position: relative; overflow: hidden; }
.feature-band:after { content: ""; position: absolute; width: 330px; height: 330px; border-radius: 50%; right: -100px; bottom: -190px; background: rgba(102,184,243,.22); }
.feature-band h2 { color: white; max-width: 750px; }
.feature-band p { color: rgba(255,255,255,.75); max-width: 760px; }

.quote { padding: 34px; border-left: 4px solid var(--blue); background: var(--sky); border-radius: 0 20px 20px 0; color: #31506f; font-size: 1.18rem; }
.notice { padding: 18px 20px; border: 1px solid #cfe7f7; background: #f1f9ff; border-radius: 14px; color: #34506c; }

.faq { display: grid; gap: 12px; max-width: 880px; margin: 35px auto 0; }
.faq-item { border: 1px solid var(--line); border-radius: 16px; background: white; overflow: hidden; }
.faq-question { width: 100%; padding: 20px 22px; display: flex; align-items: center; justify-content: space-between; gap: 18px; border: 0; background: white; color: var(--navy); font-weight: 850; text-align: left; }
.faq-answer { display: none; padding: 0 22px 21px; color: var(--muted); }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-plus { transform: rotate(45deg); }
.faq-plus { transition: .2s ease; font-size: 1.4rem; }

.form-shell { padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); background: white; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: grid; gap: 7px; }
.form-group.full { grid-column: 1 / -1; }
label { color: var(--navy); font-size: .9rem; font-weight: 800; }
input, select, textarea { width: 100%; padding: 13px 14px; border: 1px solid #cbd9e5; border-radius: 12px; color: var(--ink); background: white; }
textarea { min-height: 145px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(47,142,219,.15); border-color: var(--blue); }
.form-note { font-size: .84rem; color: var(--muted); margin-top: 12px; }
.contact-list { display: grid; gap: 18px; margin-top: 28px; }
.contact-item { display: flex; gap: 14px; align-items: flex-start; }
.contact-item b { display: block; color: var(--navy); }
.contact-item span { color: var(--muted); }

.resource-nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 30px 0 45px; }
.resource-nav a { padding: 9px 15px; border: 1px solid var(--line); border-radius: 999px; background: white; color: var(--navy); font-weight: 750; }
.resource-section { scroll-margin-top: 120px; padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: white; margin-bottom: 22px; }

.site-footer { background: #001630; color: rgba(255,255,255,.75); }
.footer-main { padding: 70px 0 45px; display: grid; grid-template-columns: 1.35fr .8fr .9fr .95fr; gap: 42px; }
.footer-logo { width: 235px; background: white; border-radius: 12px; padding: 8px; margin-bottom: 18px; }
.site-footer h3 { color: white; font-size: 1rem; letter-spacing: .05em; text-transform: uppercase; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0; font-size: .84rem; }
.footer-bottom-inner { display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.socials { display: flex; gap: 12px; }
.socials a { width: 37px; height: 37px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.18); border-radius: 50%; color: white; font-size: .75rem; font-weight: 900; }

@media (max-width: 1020px) {
  .menu-button { display: grid; place-items: center; }
  .header-actions .btn { display: none; }
  .main-nav { position: fixed; top: 120px; left: 20px; right: 20px; background: white; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); padding: 14px; opacity: 0; visibility: hidden; transform: translateY(-10px); transition: .2s ease; max-height: calc(100vh - 145px); overflow: auto; }
  .main-nav.open { opacity: 1; visibility: visible; transform: translateY(0); }
  .nav-list { display: block; }
  .nav-link, .nav-toggle { width: 100%; justify-content: space-between; padding: 12px; }
  .dropdown { position: static; min-width: 0; box-shadow: none; border: 0; border-left: 2px solid var(--line); border-radius: 0; margin-left: 12px; padding: 0 0 0 7px; opacity: 1; visibility: visible; transform: none; display: none; }
  .nav-item.open > .dropdown { display: block; }
  .grid-2 { gap: 38px; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4, .process { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(2) { border-right: 0; }
  .trust-item:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .footer-main { grid-template-columns: 1.2fr 1fr 1fr; }
  .footer-main > div:last-child { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  .topbar { display: none; }
  .main-nav { top: 94px; }
  .header-inner { min-height: 74px; }
  .logo img { width: 190px; }
  .hero { min-height: 680px; }
  .hero:before { background: linear-gradient(90deg, rgba(0,28,64,.96), rgba(0,28,64,.76)); }
  .hero-inner { padding: 90px 0; }
  .hero-stats { grid-template-columns: 1fr; }
  .grid-2, .grid-3, .grid-4, .process, .form-grid { grid-template-columns: 1fr; }
  .form-group.full { grid-column: auto; }
  .image-card { order: -1; }
  .image-card img { min-height: 340px; }
  .feature-band { padding: 38px 28px; }
  .section { padding: 72px 0; }
  .trust-strip { margin-top: -25px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .footer-main > div:first-child, .footer-main > div:last-child { grid-column: 1 / -1; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .container { width: min(100% - 28px, var(--container)); }
  .footer-main { grid-template-columns: 1fr; }
  .footer-main > div { grid-column: auto !important; }
  .btn-row .btn { width: 100%; }
  .form-shell { padding: 24px 18px; }
}

/* Homepage hero slider */
.hero-slider { position: relative; min-height: 720px; overflow: hidden; background: var(--navy); color: white; }
.hero-slides { position: absolute; inset: 0; }
.hero-slide { position: absolute; inset: 0; display: flex; align-items: center; opacity: 0; visibility: hidden; transform: scale(1.015); transition: opacity .8s ease, visibility .8s ease, transform 6.5s ease; }
.hero-slide.is-active { opacity: 1; visibility: visible; transform: scale(1); z-index: 2; }
.hero-slide:before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0,20,48,.98) 0%, rgba(0,28,64,.91) 45%, rgba(0,28,64,.34) 78%, rgba(0,28,64,.18) 100%); z-index: 1; }
.hero-slider .hero-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-slide:nth-child(2) .hero-bg { object-position: center 44%; }
.hero-slide:nth-child(3) .hero-bg { object-position: center 42%; }
.hero-slider .hero-inner { position: relative; z-index: 2; width: 100%; padding: 105px 0 145px; }
.hero-slider .hero-copy { max-width: 780px; }
.hero-slider h1 { color: white; max-width: 780px; }
.hero-slider h1 span { color: var(--blue-2); }
.hero-slider .lead { color: rgba(255,255,255,.82); max-width: 690px; }
.hero-highlights { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 34px; }
.hero-highlights span { padding: 8px 13px; border: 1px solid rgba(255,255,255,.2); border-radius: 999px; background: rgba(255,255,255,.08); color: rgba(255,255,255,.84); font-size: .82rem; font-weight: 800; }
.hero-controls { position: absolute; z-index: 8; left: 50%; bottom: 42px; transform: translateX(-50%); display: flex; align-items: center; gap: 18px; }
.hero-arrows { display: flex; gap: 8px; }
.hero-arrow { width: 46px; height: 46px; border: 1px solid rgba(255,255,255,.28); border-radius: 50%; background: rgba(0,28,64,.42); color: white; font-size: 1.15rem; transition: .2s ease; }
.hero-arrow:hover, .hero-arrow:focus-visible { background: white; color: var(--navy); transform: translateY(-2px); }
.hero-dots { display: flex; gap: 9px; align-items: center; }
.hero-dot { width: 10px; height: 10px; padding: 0; border: 0; border-radius: 999px; background: rgba(255,255,255,.42); transition: width .25s ease, background .25s ease; }
.hero-dot.is-active { width: 32px; background: var(--blue-2); }
.hero-pause { margin-left: auto; border: 1px solid rgba(255,255,255,.28); border-radius: 999px; background: rgba(0,28,64,.42); color: white; padding: 9px 14px; font-size: .78rem; font-weight: 800; }
.hero-pause:hover, .hero-pause:focus-visible { background: white; color: var(--navy); }
.hero-progress { position: absolute; z-index: 8; left: 0; right: 0; bottom: 0; height: 4px; background: rgba(255,255,255,.13); }
.hero-progress span { display: block; width: 0; height: 100%; background: linear-gradient(90deg, var(--blue), var(--blue-2)); }
.hero-slider.is-playing .hero-progress span { animation: heroProgress 6.5s linear forwards; }
@keyframes heroProgress { from { width: 0; } to { width: 100%; } }

@media (max-width: 760px) {
  .hero-slider { min-height: 710px; }
  .hero-slide:before { background: linear-gradient(90deg, rgba(0,20,48,.97), rgba(0,28,64,.78)); }
  .hero-slider .hero-inner { padding: 82px 0 150px; }
  .hero-controls { bottom: 34px; gap: 12px; }
  .hero-arrow { width: 42px; height: 42px; }
  .hero-pause { font-size: 0; width: 42px; height: 42px; padding: 0; }
  .hero-pause:after { content: "Ⅱ"; font-size: .86rem; }
  .hero-pause[aria-pressed="true"]:after { content: "▶"; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-slide { transition: opacity .15s linear; transform: none; }
  .hero-progress span { animation: none !important; }
}