:root{--navy:#16294f;--navy-dark:#0f1d3a;--orange:#f26a1b;--orange-dark:#d95a10;--grey:#f4f6fa;--text:#2b3445;--muted:#6b7486;--white:#fff;--radius:14px;--shadow:0 10px 30px rgba(22,41,79,.10)}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--text);line-height:1.65;background:var(--white)}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 22px}
.topbar{background:var(--navy-dark);color:#cfd8ea;font-size:.85rem;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:6px}
.topbar a{color:#fff}
.topbar a:hover{color:var(--orange)}
header.site{background:var(--white);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(22,41,79,.08)}
header.site .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.logo img{height:46px;width:auto}
nav.main{display:flex;gap:24px;align-items:center;flex-wrap:wrap}
nav.main a{font-weight:600;font-size:.93rem;color:var(--navy);padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover,nav.main a.active{color:var(--orange);border-bottom-color:var(--orange)}
.nav-cta{background:var(--orange);color:#fff!important;padding:10px 22px!important;border-radius:999px;border:none!important}
.nav-cta:hover{background:var(--orange-dark)}
.burger{display:none;background:none;border:none;font-size:1.7rem;color:var(--navy);cursor:pointer}
.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,#24407a 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(242,106,27,.35),transparent 65%)}
.hero .container{padding-top:96px;padding-bottom:104px;position:relative;z-index:2;max-width:900px}
.hero .kicker{color:var(--orange);font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.85rem}
.hero h1{font-size:clamp(2.1rem,5vw,3.4rem);line-height:1.15;margin:14px 0 18px}
.hero p{color:#c9d4ea;font-size:1.12rem;max-width:640px}
.hero .actions{margin-top:32px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 32px;border-radius:999px;font-weight:700;font-size:.98rem;transition:.2s}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{background:var(--orange-dark)}
.btn-ghost{border:2px solid rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{border-color:var(--orange);color:var(--orange)}
section{padding:72px 0}
.section-grey{background:var(--grey)}
.eyebrow{color:var(--orange);font-weight:700;text-transform:uppercase;letter-spacing:.16em;font-size:.8rem}
h2.section-title{color:var(--navy);font-size:clamp(1.6rem,3.4vw,2.3rem);margin:8px 0 14px;line-height:1.25}
.lead{color:var(--muted);max-width:720px}
.grid{display:grid;gap:26px;margin-top:44px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px 28px;transition:.25s;border-top:4px solid transparent}
.card:hover{transform:translateY(-6px);border-top-color:var(--orange)}
.card .icon{width:58px;height:58px;border-radius:14px;background:linear-gradient(135deg,var(--orange),#ff9550);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.card .icon svg{width:30px;height:30px;fill:#fff}
.card h3{color:var(--navy);font-size:1.15rem;margin-bottom:10px}
.card p{color:var(--muted);font-size:.95rem}
.card a.more{display:inline-block;margin-top:16px;color:var(--orange);font-weight:700;font-size:.9rem}
.card a.more:hover{color:var(--navy)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split .visual{background:linear-gradient(150deg,var(--navy),#2a4a8c);border-radius:var(--radius);min-height:360px;display:flex;align-items:center;justify-content:center;padding:40px;position:relative;overflow:hidden}
.split .visual::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 80%,rgba(242,106,27,.25),transparent 50%),radial-gradient(circle at 85% 15%,rgba(255,255,255,.08),transparent 45%)}
.split .visual img{max-height:120px;position:relative;z-index:2}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.stat{background:var(--grey);border-radius:var(--radius);padding:20px;text-align:center}
.stat b{display:block;font-size:1.7rem;color:var(--orange)}
.stat span{font-size:.85rem;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.step{background:#fff;border-radius:var(--radius);padding:34px 28px;box-shadow:var(--shadow)}
.step .num{font-size:2.6rem;font-weight:800;color:rgba(242,106,27,.25);line-height:1}
.step h3{color:var(--navy);margin:12px 0 8px;font-size:1.1rem}
.step p{color:var(--muted);font-size:.95rem}
ul.checks{list-style:none;margin-top:22px}
ul.checks li{padding-left:34px;position:relative;margin-bottom:12px}
ul.checks li::before{content:"\2713";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--orange);color:#fff;font-size:.8rem;display:flex;align-items:center;justify-content:center}
.page-hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:64px 0 58px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-100px;bottom:-160px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(242,106,27,.3),transparent 65%)}
.page-hero h1{font-size:clamp(1.8rem,4vw,2.6rem)}
.page-hero .crumbs{color:#9fb0d0;font-size:.9rem;margin-top:10px}
.page-hero .crumbs a{color:var(--orange)}
.cta-band{background:linear-gradient(120deg,var(--orange),#ff8a3d);color:#fff;border-radius:var(--radius);padding:48px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:1.6rem;line-height:1.3}
.cta-band .btn{background:var(--navy);color:#fff}
.cta-band .btn:hover{background:var(--navy-dark)}
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;margin-top:44px}
.info-tile{display:flex;gap:16px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;margin-bottom:18px}
.info-tile .icon{flex:0 0 48px;height:48px;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center;color:var(--orange);font-size:1.2rem}
.info-tile h3{color:var(--navy);font-size:1rem;margin-bottom:4px}
.info-tile p,.info-tile a{color:var(--muted);font-size:.95rem}
.info-tile a:hover{color:var(--orange)}
form.contact{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px}
form.contact label{display:block;font-weight:600;color:var(--navy);font-size:.9rem;margin:16px 0 6px}
form.contact input,form.contact textarea{width:100%;padding:12px 14px;border:1.5px solid #dbe2ee;border-radius:10px;font:inherit;background:var(--grey)}
form.contact input:focus,form.contact textarea:focus{outline:none;border-color:var(--orange);background:#fff}
form.contact button{margin-top:22px;width:100%;border:none;cursor:pointer}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.chip{background:var(--grey);border:1px solid #e2e8f4;color:var(--navy);border-radius:999px;padding:8px 18px;font-size:.9rem;font-weight:600}
footer.site{background:var(--navy-dark);color:#aab8d4;padding:64px 0 0;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px}
footer.site h4{color:#fff;font-size:1rem;margin-bottom:16px}
footer.site .flogo img{height:44px;margin-bottom:16px}
footer.site p{font-size:.92rem}
footer.site ul{list-style:none}
footer.site ul li{margin-bottom:9px}
footer.site ul a{font-size:.92rem}
footer.site ul a:hover{color:var(--orange)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:.85rem;text-align:center;color:#7e8db0}
@media(max-width:960px){.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3,.steps{grid-template-columns:1fr 1fr}.split,.contact-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:18px 22px;box-shadow:0 14px 24px rgba(22,41,79,.14);gap:12px;align-items:flex-start}nav.main.open{display:flex}.burger{display:block}.grid-4,.grid-3,.grid-2,.steps{grid-template-columns:1fr}.stat-row{grid-template-columns:1fr}.hero .container{padding-top:64px;padding-bottom:70px}.cta-band{padding:32px}}