:root{--blue:#1A3D7C;--gold:#D4AF37;--charcoal:#2B2B2B;--cream:#F4EFE6;--white:#FFFFFF}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen,Ubuntu,Cantarell,'Helvetica Neue',Arial,'Noto Sans',sans-serif;color:var(--charcoal);background:var(--white);line-height:1.6}
.header{background:var(--blue);color:var(--white);position:sticky;top:0;z-index:10;box-shadow:0 2px 0 rgba(0,0,0,.05)}
.nav{max-width:1100px;margin:0 auto;padding:16px 20px;display:flex;align-items:center;justify-content:space-between}
.nav .brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--white)}
.nav img{height:36px}.nav a{color:var(--white);text-decoration:none;margin-left:20px;opacity:.9}.nav a:hover{opacity:1;text-decoration:underline}
.hero{background:var(--blue);color:var(--white);padding:64px 20px 56px}
.container{max-width:1100px;margin:0 auto}.hero h1{font-size:clamp(32px,5vw,56px);margin:8px 0 12px}.hero p{font-size:18px;opacity:.95;margin:0 0 24px}
.cta-row{display:flex;gap:16px;flex-wrap:wrap}
.btn{padding:14px 22px;border-radius:10px;border:2px solid transparent;font-weight:700;cursor:pointer;text-decoration:none;display:inline-block}
.btn-primary{background:var(--gold);color:var(--charcoal)}.btn-primary:hover{filter:brightness(.95)}
.btn-ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.35)}.btn-ghost:hover{background:rgba(255,255,255,.08)}
.section{padding:56px 20px}.section.alt{background:var(--cream)}.section.dark{background:var(--blue);color:var(--white)}
.grid{display:grid;gap:22px}.grid.cards{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--white);border:1px solid #e6e6e6;border-radius:14px;padding:18px 18px 16px;box-shadow:0 2px 0 rgba(0,0,0,.03)}
.card h3{margin:8px 0 6px;color:var(--blue)}
.kicker{letter-spacing:.08em;text-transform:uppercase;color:#6c7ba7;font-weight:700;font-size:12px}
.h2{font-size:clamp(24px,4vw,36px);margin:8px 0 8px}.lead{font-size:18px;opacity:.9}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;text-align:center}
.step{padding:14px}.step .num{height:48px;width:48px;border-radius:50%;background:var(--white);color:var(--blue);display:inline-flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:8px}
.list{list-style:none;padding:0;margin:0}.list li{display:flex;gap:10px;margin:10px 0}.list li::before{content:"✓";color:var(--gold);font-weight:900}
.footer{background:var(--blue);color:var(--white)}.footer .foot{max-width:1100px;margin:0 auto;padding:28px 20px;display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center}
.footer a{color:#dfe7ff;text-decoration:none}.footer a:hover{text-decoration:underline}
.icon{width:36px;height:36px;border-radius:10px;background:var(--blue);display:inline-flex;align-items:center;justify-content:center;color:var(--gold);font-weight:900}
@media (max-width:800px){.steps{grid-template-columns:1fr}}