:root{--navy:#185884;--navy-d:#0f3d5e;--navy-dd:#0a2a42;--sky:#39C6F3;--orange:#F25B26;--ink:#15202b;--muted:#5b6b7a;--line:#e3e9ef;--bg:#f5f8fb;--white:#fff;--r:14px;--sh:0 10px 30px rgba(15,61,94,.10)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;line-height:1.2;color:var(--navy-dd)}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.topbar{background:var(--navy-dd);color:#cfe3f1;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff}.topbar span{display:inline-flex;align-items:center;gap:6px;margin-right:18px}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:84px}
.brand img{height:52px;width:auto}
nav.main{display:flex;align-items:center;gap:4px}
nav.main>a,nav.main .dd>button{font:600 15px 'Inter',sans-serif;color:var(--ink);padding:10px 14px;border-radius:8px;background:none;border:0;cursor:pointer;display:flex;align-items:center;gap:4px}
nav.main>a:hover,nav.main .dd>button:hover,nav.main a.active{color:var(--navy);background:var(--bg)}
.dd{position:relative}
.dd-menu{position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--sh);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:block;padding:10px 14px;border-radius:8px;color:var(--ink);font-size:15px}
.dd-menu a:hover{background:var(--bg);color:var(--navy)}
.btn{display:inline-flex;align-items:center;gap:8px;font:700 15px 'Inter',sans-serif;padding:14px 26px;border-radius:10px;border:2px solid transparent;cursor:pointer;transition:.18s;white-space:nowrap}
.btn-o{background:var(--orange);color:#fff}.btn-o:hover{background:#d94816;transform:translateY(-1px)}
.btn-n{background:var(--navy);color:#fff}.btn-n:hover{background:var(--navy-d)}
.btn-g{border-color:rgba(255,255,255,.6);color:#fff}.btn-g:hover{background:rgba(255,255,255,.1)}
.btn-l{border-color:var(--navy);color:var(--navy)}.btn-l:hover{background:var(--navy);color:#fff}
nav.main>a.btn{margin-left:10px;padding:11px 20px;background:var(--orange);color:#fff}nav.main>a.btn:hover{background:#d94816;color:#fff}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px}
/* hero */
.hero{position:relative;background:linear-gradient(135deg,var(--navy-dd) 0%,var(--navy) 60%,#1f78ad 100%);color:#fff;overflow:hidden}
.hero::before{content:'';position:absolute;right:-120px;top:-120px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(57,198,243,.28),transparent 65%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:110px}
.eyebrow{display:inline-block;font:700 13px 'Inter';letter-spacing:.14em;text-transform:uppercase;color:var(--sky);margin-bottom:16px}
.hero h1{color:#fff;font-size:clamp(36px,5vw,58px);font-weight:800;margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--sky)}
.hero p.lead{font-size:20px;color:#d6e8f5;max-width:580px;margin-bottom:34px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.swoosh{position:absolute;left:0;right:0;bottom:-2px;height:70px}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:34px;backdrop-filter:blur(6px)}
.hero-card h3{color:#fff;font-size:20px;margin-bottom:18px}
.hero-card li{list-style:none;display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#e3f0f9}
.hero-card li:last-child{border:0}
.chk{flex:none;width:24px;height:24px;border-radius:50%;background:var(--orange);display:grid;place-items:center;margin-top:2px}
/* page hero */
.phero{background:linear-gradient(135deg,var(--navy-dd),var(--navy));color:#fff;position:relative;overflow:hidden}
.phero::after{content:'';position:absolute;right:-80px;bottom:-160px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(57,198,243,.25),transparent 65%)}
.phero .wrap{padding-top:70px;padding-bottom:80px;position:relative;z-index:1}
.phero h1{color:#fff;font-size:clamp(32px,4.4vw,50px);font-weight:800;margin-bottom:14px;max-width:800px}
.phero p{color:#d6e8f5;font-size:19px;max-width:700px}
.crumb{font-size:14px;color:#9fc4de;margin-bottom:18px}.crumb a{color:#cfe3f1}
/* sections */
section.s{padding:92px 0}.s.alt{background:var(--bg)}
.sh{text-align:center;max-width:720px;margin:0 auto 54px}
.sh h2{font-size:clamp(28px,3.4vw,40px);margin-bottom:14px}
.sh p{color:var(--muted);font-size:18px}
.bar{width:56px;height:4px;border-radius:2px;background:linear-gradient(90deg,var(--orange),var(--sky));margin:0 auto 18px}
.sh.l{text-align:left;margin-left:0}.sh.l .bar{margin-left:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px;transition:.2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:#cfe0ec}
.card h3{font-size:21px;margin:18px 0 10px}.card p{color:var(--muted);font-size:16px;flex:1}
.card .more{margin-top:18px;font-weight:700;color:var(--orange);font-size:15px}
.ic{width:58px;height:58px;border-radius:14px;background:linear-gradient(135deg,#e8f5fc,#d3ecf9);display:grid;place-items:center;color:var(--navy)}
.ic svg{width:28px;height:28px}
.stat{background:#fff;border-radius:var(--r);padding:28px;text-align:center;border:1px solid var(--line)}
.stat b{display:block;font:800 34px 'Montserrat';color:var(--navy)}.stat span{color:var(--muted);font-size:15px}
.feature{display:flex;gap:18px;margin-bottom:26px}.feature h4{font-size:18px;margin-bottom:4px}.feature p{color:var(--muted);font-size:16px}
.panel{background:linear-gradient(135deg,var(--navy),var(--navy-dd));border-radius:22px;padding:46px;color:#fff;position:relative;overflow:hidden}
.panel h3{color:#fff;font-size:26px;margin-bottom:14px}.panel p{color:#d6e8f5}
.panel .big{font:800 64px 'Montserrat';color:var(--sky);line-height:1}
.prose h2{font-size:30px;margin:0 0 16px}.prose h3{font-size:22px;margin:30px 0 10px}
.prose p{margin-bottom:16px;color:#334352}
.prose ul{margin:0 0 20px 0;list-style:none}.prose li{position:relative;padding:7px 0 7px 32px;color:#334352}
.prose li::before{content:'';position:absolute;left:0;top:14px;width:18px;height:10px;border-left:3px solid var(--orange);border-bottom:3px solid var(--orange);transform:rotate(-45deg)}
.side{position:sticky;top:110px;display:flex;flex-direction:column;gap:22px}
.side .box{background:var(--bg);border-radius:var(--r);padding:28px;border:1px solid var(--line)}
.side .box h4{font-size:18px;margin-bottom:14px}
.side .box a.l{display:block;padding:9px 0;border-bottom:1px solid var(--line);color:var(--ink);font-weight:500}
.side .box a.l:hover,.side .box a.l.on{color:var(--orange)}
.side .cta{background:var(--navy);color:#fff;border-radius:var(--r);padding:30px}
.side .cta h4{color:#fff;font-size:20px;margin-bottom:10px}.side .cta p{color:#cfe3f1;font-size:15px;margin-bottom:18px}
.layout{display:grid;grid-template-columns:1fr 340px;gap:60px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{position:relative;background:#fff;border-radius:var(--r);padding:30px 26px;border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);font:800 40px 'Montserrat';color:#dbe9f3;display:block;margin-bottom:6px}
.step h4{font-size:18px;margin-bottom:6px}.step p{color:var(--muted);font-size:15px}
.quote{background:#fff;border-radius:var(--r);padding:32px;border:1px solid var(--line)}
.quote p{font-size:17px;color:#334352;margin-bottom:18px;font-style:italic}.quote b{color:var(--navy-dd)}.quote small{color:var(--muted);display:block}
.stars{color:var(--orange);letter-spacing:3px;margin-bottom:12px}
.ctaband{background:linear-gradient(120deg,var(--navy-dd),var(--navy));color:#fff;border-radius:24px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:30px;position:relative;overflow:hidden}
.ctaband::before{content:'';position:absolute;left:-60px;bottom:-120px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(242,91,38,.3),transparent 65%)}
.ctaband h2{color:#fff;font-size:32px;margin-bottom:8px;position:relative}.ctaband p{color:#d6e8f5;position:relative}.ctaband .ctas{display:flex;gap:12px;flex-wrap:wrap;position:relative}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-weight:600;font-size:14px;margin-bottom:6px;color:var(--navy-dd)}
input,select,textarea{width:100%;padding:13px 15px;border:1.5px solid #d4dde6;border-radius:10px;font:16px 'Inter',sans-serif;margin-bottom:18px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 4px rgba(57,198,243,.18)}
textarea{min-height:130px;resize:vertical}
.formcard{background:#fff;border-radius:20px;padding:40px;box-shadow:var(--sh);border:1px solid var(--line)}
.info-item{display:flex;gap:16px;margin-bottom:26px}.info-item h4{font-size:17px;margin-bottom:2px}.info-item p{color:var(--muted)}
.pay-opt{display:flex;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;margin-bottom:18px}
.pay-opt h4{font-size:19px}.pay-opt p{color:var(--muted);font-size:15px}.pay-opt .btn{margin-left:auto}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;padding:7px 14px;border-radius:30px;font-size:13px;font-weight:600}
.tagrow{display:flex;flex-wrap:wrap;gap:10px}.tag{background:#fff;border:1px solid var(--line);padding:9px 16px;border-radius:30px;font-size:15px;font-weight:500;color:var(--navy-dd)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 24px;margin-bottom:12px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy-dd);list-style:none;display:flex;justify-content:space-between}
.faq summary::after{content:'+';color:var(--orange);font-size:22px;line-height:1}.faq details[open] summary::after{content:'–'}
.faq details p{margin-top:12px;color:var(--muted)}
.demo-note{background:#fff7ed;border:1px dashed var(--orange);color:#9a3412;border-radius:10px;padding:12px 16px;font-size:14px;margin-bottom:22px}
/* footer */
footer.site{background:var(--navy-dd);color:#a9c4d8;padding-top:70px;font-size:15px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:50px}
footer.site h5{color:#fff;font:700 16px 'Montserrat';margin-bottom:18px}
footer.site a{color:#a9c4d8;display:block;padding:4px 0}footer.site a:hover{color:var(--sky)}
footer.site .flogo{height:54px;width:auto;margin-bottom:18px}
footer.site .bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:14px}
.soc{display:flex;gap:10px;margin-top:16px}.soc a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:grid!important;place-items:center;padding:0!important}
/* responsive */
@media(max-width:1020px){
 nav.main{position:fixed;inset:84px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;padding:14px 20px 24px;border-bottom:1px solid var(--line);box-shadow:var(--sh);display:none;max-height:calc(100vh - 84px);overflow:auto}
 nav.main.open{display:flex}.burger{display:block}
 .dd-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 0 14px}
 nav.main .btn{margin:10px 0 0;justify-content:center}
 .hero .wrap,.grid2,.layout{grid-template-columns:1fr}.grid3{grid-template-columns:1fr 1fr}.grid4,.steps{grid-template-columns:1fr 1fr}
 footer.site .cols{grid-template-columns:1fr 1fr}.side{position:static}.ctaband{flex-direction:column;align-items:flex-start;padding:40px}
}
@media(max-width:640px){
 body{font-size:16px}.wrap{padding:0 16px}section.s{padding:64px 0}
 .grid3,.grid4,.steps,form .row,footer.site .cols{grid-template-columns:1fr}
 .hero .wrap{padding-top:64px;padding-bottom:84px}.topbar .hide-m{display:none}
 .pay-opt{flex-direction:column;align-items:flex-start}.pay-opt .btn{margin-left:0}
 .formcard,.panel{padding:28px}.brand img{height:42px}
}

.person{display:flex;gap:22px;align-items:center;background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:18px;margin-bottom:40px}
.person img{width:140px;height:170px;object-fit:cover;object-position:50% 30%;border-radius:12px;flex:none}
.person h3{font-size:22px;margin-bottom:6px}.person p{color:var(--muted);font-size:15px}
@media(max-width:640px){.person img{width:110px;height:135px}}

.billcard{border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-bottom:26px;background:#fff;box-shadow:var(--sh)}
.bc-head{background:linear-gradient(120deg,var(--navy-dd),var(--navy));padding:20px 26px}.bc-head img{height:40px;width:auto}
.billcard dl{display:grid;grid-template-columns:150px 1fr;margin:0;padding:10px 26px 18px}
.billcard dt,.billcard dd{padding:11px 0;border-bottom:1px solid var(--line);margin:0}
.billcard dt{color:var(--muted);font-size:14px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.billcard dd{color:var(--navy-dd);font-weight:500;word-break:break-word}
.billcard dt:last-of-type,.billcard dd:last-of-type{border-bottom:0}
@media(max-width:640px){.billcard dl{grid-template-columns:1fr}.billcard dt{border:0;padding-bottom:0}}