:root{--navy:#0f2a44;--teal:#1f7a7a;--teal2:#2aa198;--bg:#f6f9fb;--ink:#1c2b39;--mut:#5b6b7a;--r:14px}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--teal)}.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;background:#fffe;backdrop-filter:blur(8px);border-bottom:1px solid #e6edf2;z-index:9}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}.nav img{height:52px}
.nav nav{display:none;gap:22px}.nav nav a{color:var(--navy);text-decoration:none;font-weight:500}.nav nav a.on{color:var(--teal)}
.menu{background:none;border:0;font-size:26px;color:var(--navy)}
.nav nav.open{display:flex;flex-direction:column;position:absolute;top:64px;left:0;right:0;background:#fff;padding:16px 20px;border-bottom:1px solid #e6edf2}
.btn{display:inline-block;background:var(--teal);color:#fff!important;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:600}
.btn.alt{background:#fff;color:var(--navy)!important;border:1px solid #cfdbe4}
.hero{background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;padding:72px 0}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:0 0 16px}.hero p{font-size:1.15rem;opacity:.92;max-width:640px}
.hero .btn.alt{border:0}.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
section{padding:64px 0}section.alt{background:var(--bg)}h2{color:var(--navy);font-size:1.9rem;margin:0 0 12px}.lead{color:var(--mut);max-width:700px}
.grid{display:grid;gap:20px;grid-template-columns:1fr;margin-top:28px}
.card{background:#fff;border:1px solid #e3ebf1;border-radius:var(--r);padding:24px}.card h3{margin:.2em 0;color:var(--navy)}.card p{color:var(--mut);margin:0}
.ico{font-size:28px}.steps .ico{display:none}.steps{counter-reset:s}.steps .card h3::before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--teal);color:#fff;margin-right:10px;font-size:.9rem}
.note{font-size:.9rem;color:var(--mut);border-left:3px solid var(--teal2);padding-left:12px}
.band{background:var(--navy);color:#fff;text-align:center}.band h2{color:#fff}
footer{background:#0b1e31;color:#b9c7d3;padding:32px 0;font-size:.9rem}footer a{color:#cfe}
@media(min-width:760px){.grid{grid-template-columns:repeat(2,1fr)}.grid.c3{grid-template-columns:repeat(3,1fr)}.nav nav{display:flex;align-items:center}.menu{display:none}}