:root{
    --navy:#183b63;
    --navy-dark:#122c4c;
    --blue:#1f4e8c;
    --green:#3aa66b;
    --bg-soft:#f6f8fb;
    --border:#e6e9ef;
    --text:#22303f;
    --muted:#5c6b7a;
    --white:#ffffff;
  }
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{
    font-family:"Segoe UI", "Helvetica Neue", Arial, sans-serif;
    color:var(--text);
    background:var(--white);
    line-height:1.5;
  }
  img{max-width:100%;display:block;}
  a{text-decoration:none;color:inherit;}
  ul{list-style:none;}
  .wrap{max-width:1180px;margin:0 auto;padding:0 24px;}
  .eyebrow{
    color:var(--blue);
    font-weight:700;
    font-size:.8rem;
    letter-spacing:.12em;
    text-transform:uppercase;
  }
  h1,h2,h3{color:var(--navy-dark);font-weight:800;}
  .btn{
    display:inline-flex;align-items:center;gap:8px;
    padding:14px 26px;border-radius:8px;font-weight:700;
    font-size:.95rem;cursor:pointer;border:none;transition:.2s;
  }
  .btn-primary{background:var(--navy);color:#fff;}
  .btn-primary:hover{background:var(--navy-dark);}
  .btn-white{background:#fff;color:var(--navy);}
  .btn-white:hover{background:#eef2f7;}
  .btn svg{width:16px;height:16px;stroke:currentColor;}

  /* HEADER */
  header{
    display:flex;align-items:center;justify-content:space-between;
    padding:18px 0;border-bottom:1px solid var(--border);
    position:sticky;top:0;background:#fff;z-index:50;
  }
  .logo{display:flex;align-items:center;gap:10px;}
  .logo-icon{width:42px;height:42px;flex-shrink:0;}
  .logo-text{line-height:1.1;}
  .logo-text .top{color:var(--navy);font-weight:800;font-size:1.15rem;letter-spacing:.02em;}
  .logo-text .bottom{color:var(--green);font-weight:800;font-size:.85rem;letter-spacing:.18em;}
  nav ul{display:flex;gap:34px;font-weight:600;font-size:.95rem;color:var(--navy-dark);}
  nav a:hover{color:var(--blue);}
  .header-cta{display:flex;align-items:center;gap:10px;background:var(--navy);color:#fff;padding:12px 20px;border-radius:8px;font-weight:700;}
  .header-cta svg{width:16px;height:16px;stroke:#fff;fill:none;}
  .menu-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--navy);}

  /* HERO */
  .hero{padding:60px 0 80px;}
  .hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;}
  .hero-copy h1{font-size:2.7rem;line-height:1.15;margin:14px 0 18px;}
  .hero-copy h1 span{color:var(--blue);}
  .hero-copy p{color:var(--muted);font-size:1.02rem;max-width:480px;margin-bottom:26px;}
  .trust-row{display:flex;gap:28px;margin-bottom:32px;flex-wrap:wrap;}
  .trust-item{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.88rem;color:var(--navy-dark);}
  .trust-item .ic{
    width:38px;height:38px;border-radius:50%;background:var(--bg-soft);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .trust-item svg{width:18px;height:18px;stroke:var(--navy);fill:none;stroke-width:1.8;}

  .hero-media{position:relative;}
  .hero-photo{
    border-radius:16px;overflow:hidden;aspect-ratio:4/3.1;
    background:linear-gradient(135deg,#dfe9f5,#c7d8ec);
  }
  .hero-photo img{width:100%;height:100%;object-fit:cover;display:block;}

  .form-card{
    position:relative;margin-top:-90px;margin-left:auto;margin-right:0;
    max-width:420px;background:#fff;border-radius:16px;
    box-shadow:0 20px 50px rgba(24,59,99,.15);padding:32px;
    border:1px solid var(--border);
  }
  .form-card h3{font-size:1.2rem;margin-bottom:8px;}
  .form-card p.sub{color:var(--muted);font-size:.88rem;margin-bottom:20px;}
  .form-card input, .form-card select, .form-card textarea{
    width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:8px;
    margin-bottom:14px;font-size:.9rem;font-family:inherit;background:var(--bg-soft);
  }
  .form-card textarea{resize:vertical;min-height:80px;}
  .form-card .btn-primary{width:100%;justify-content:center;margin-top:2px;}
  .form-note{display:flex;align-items:center;gap:6px;font-size:.78rem;color:var(--muted);margin-top:14px;}
  .form-note svg{width:14px;height:14px;stroke:var(--muted);fill:none;}

  /* SERVICES */
  .section{padding:80px 0;}
  .section-head{text-align:center;max-width:600px;margin:0 auto 46px;}
  .section-head h2{font-size:2rem;margin-top:10px;position:relative;display:inline-block;}
  .section-head h2::after{
    content:"";display:block;width:56px;height:3px;background:var(--blue);
    margin:14px auto 0;border-radius:3px;
  }
  .services-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;}
  .service-card{
    border:1px solid var(--border);border-radius:14px;padding:30px 22px;text-align:left;
    transition:.2s;
  }
  .service-card:hover{box-shadow:0 12px 30px rgba(24,59,99,.08);transform:translateY(-4px);}
  .service-icon{
    width:58px;height:58px;border-radius:50%;background:var(--bg-soft);
    display:flex;align-items:center;justify-content:center;margin-bottom:18px;
  }
  .service-icon svg{width:26px;height:26px;stroke:var(--navy);fill:none;stroke-width:1.7;}
  .service-card h3{font-size:1.05rem;margin-bottom:8px;}
  .service-card p{color:var(--muted);font-size:.87rem;margin-bottom:16px;}
  .service-link{color:var(--blue);font-weight:700;font-size:.85rem;display:inline-flex;align-items:center;gap:6px;}
  .service-link svg{width:14px;height:14px;stroke:var(--blue);fill:none;}

  /* BENEFITS */
  .benefits{background:var(--bg-soft);}
  .benefits-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center;}
  .benefits-photo{
    border-radius:16px;overflow:hidden;aspect-ratio:4/3.3;
    background:linear-gradient(135deg,#1f4e8c,#123258);
  }
  .benefits-photo img{width:100%;height:100%;object-fit:cover;display:block;}
  .benefit-item{display:flex;gap:14px;margin-bottom:22px;}
  .benefit-item .check{
    width:28px;height:28px;border-radius:50%;border:2px solid var(--navy);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;
  }
  .benefit-item .check svg{width:14px;height:14px;stroke:var(--navy);fill:none;stroke-width:2.4;}
  .benefit-item h4{font-size:1rem;margin-bottom:4px;color:var(--navy-dark);}
  .benefit-item p{color:var(--muted);font-size:.9rem;}

  /* STEPS */
  .steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;align-items:start;position:relative;}
  .step{text-align:left;padding:0 20px;position:relative;}
  .step-top{display:flex;align-items:center;gap:16px;margin-bottom:14px;}
  .step-num{
    width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;
    display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem;flex-shrink:0;
  }
  .step-ic{
    width:44px;height:44px;border-radius:50%;background:var(--bg-soft);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .step-ic svg{width:20px;height:20px;stroke:var(--navy);fill:none;stroke-width:1.7;}
  .step h4{font-size:1.05rem;margin-bottom:6px;}
  .step p{color:var(--muted);font-size:.88rem;}
  .step-arrow{
    position:absolute;top:22px;right:-6px;color:var(--navy);opacity:.35;
  }
  .step-arrow svg{width:26px;height:26px;stroke:var(--navy);fill:none;}

  /* CTA BANNER */
  .cta-banner{
    background:linear-gradient(120deg,var(--navy-dark),var(--navy));
    color:#fff;border-radius:0;padding:46px 0;
  }
  .cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
  .cta-left{display:flex;align-items:center;gap:22px;}
  .cta-icon{
    width:60px;height:60px;border-radius:50%;background:rgba(255,255,255,.12);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .cta-icon svg{width:28px;height:28px;stroke:#fff;fill:none;stroke-width:1.6;}
  .cta-left h3{color:#fff;font-size:1.25rem;margin-bottom:6px;}
  .cta-left p{color:#cfe0f5;font-size:.9rem;max-width:520px;}

  /* FOOTER */
  footer{background:var(--navy-dark);color:#cfd9e6;padding:60px 0 0;}
  .footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:30px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1);}
  .footer-grid h4{color:#fff;font-size:.95rem;margin-bottom:16px;}
  .footer-grid li{margin-bottom:10px;font-size:.88rem;}
  .footer-grid a:hover{color:#fff;}
  .footer-brand p{font-size:.85rem;margin-top:14px;color:#a9bad0;max-width:280px;}
  .foot-contact li{display:flex;align-items:center;gap:8px;}
  .foot-contact svg{width:15px;height:15px;stroke:#cfd9e6;fill:none;flex-shrink:0;}
  .social-row{display:flex;gap:12px;margin-top:4px;}
  .social-row a{
    width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);
    display:flex;align-items:center;justify-content:center;
  }
  .social-row svg{width:16px;height:16px;stroke:#fff;fill:none;}
  .footer-bottom{display:flex;justify-content:space-between;padding:22px 0;font-size:.8rem;color:#8fa2ba;flex-wrap:wrap;gap:10px;}
  .footer-bottom .legal{display:flex;gap:20px;}

  @media (max-width:980px){
    nav{display:none;}
    .menu-toggle{display:block;}
    .hero-grid{grid-template-columns:1fr;}
    .form-card{margin-top:30px;max-width:100%;}
    .services-grid{grid-template-columns:repeat(2,1fr);}
    .benefits-grid{grid-template-columns:1fr;}
    .steps-grid{grid-template-columns:1fr;gap:30px;}
    .step-arrow{display:none;}
    .footer-grid{grid-template-columns:1fr 1fr;}
  }
  @media (max-width:520px){
    .services-grid{grid-template-columns:1fr;}
    .hero-copy h1{font-size:2rem;}
    .cta-inner{flex-direction:column;align-items:flex-start;}
    .footer-grid{grid-template-columns:1fr;}
  }