:root {
  --navy: #0b2545;
  --navy-2: #123a63;
  --red: #d7263d;
  --red-dark: #b81f33;
  --bg: #ffffff;
  --soft: #f4f7fc;
  --ink: #12213c;
  --muted: #55647e;
  --line: #e5eaf2;
  --radius: 12px;
  --radius-sm: 8px;
  --wrap: 1120px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  font-size: 15px;
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  transition: background .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
  white-space: nowrap;
  cursor: pointer;
}
.btn:active { transform: translateY(1px); }
.btn-sm { padding: 9px 16px; font-size: 14px; }
.btn-block { width: 100%; }
.btn-primary { background: var(--red); color: #fff; }
.btn-primary:hover { background: var(--red-dark); }
.btn-ghost { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { background: var(--soft); }
.btn-white { background: #fff; color: var(--navy); }
.btn-white:hover { background: #eef2f8; }
.btn-outline-white { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-outline-white:hover { background: rgba(255,255,255,.1); }

/* ── Brand mark ──────────────────────────────────────────── */
.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px; height: 34px;
  background: var(--navy);
  color: #fff;
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .5px;
  border-radius: 9px;
  box-shadow: inset 0 0 0 2px var(--red);
}
.brand-name { font-weight: 800; letter-spacing: .6px; color: var(--navy); font-size: 17px; }

/* ── Nav ─────────────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 20px; }
.nav-links { display: flex; gap: 28px; }
.nav-links a { color: var(--muted); font-weight: 500; font-size: 15px; }
.nav-links a:hover { color: var(--navy); }

/* ── Hero ────────────────────────────────────────────────── */
.hero { background: linear-gradient(180deg, #fbfcfe 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr .9fr;
  gap: 56px;
  align-items: center;
  padding: 84px 24px 88px;
}
.eyebrow {
  color: var(--red);
  font-weight: 700;
  font-size: 13.5px;
  letter-spacing: .4px;
  margin-bottom: 14px;
}
.hero h1 {
  font-size: clamp(34px, 5vw, 52px);
  line-height: 1.08;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--navy);
}
.hero .hl { color: var(--red); }
.lead { margin-top: 20px; font-size: 18px; color: var(--muted); max-width: 30em; }
.hero-cta { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.hero-stats {
  list-style: none;
  display: flex;
  gap: 28px;
  margin-top: 34px;
  flex-wrap: wrap;
}
.hero-stats li { color: var(--muted); font-size: 14.5px; }
.hero-stats strong { display: block; color: var(--navy); font-size: 22px; font-weight: 800; }

.hero-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 24px;
  box-shadow: 0 12px 30px rgba(11, 37, 69, .07);
}
.hero-card-top {
  display: flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 14px; color: var(--navy);
  padding-bottom: 16px; margin-bottom: 16px; border-bottom: 1px solid var(--line);
}
.dot { width: 9px; height: 9px; border-radius: 50%; background: var(--red); box-shadow: 0 0 0 4px rgba(215,38,61,.15); }
.facts { display: grid; gap: 14px; margin-bottom: 22px; }
.facts > div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.facts dt { color: var(--muted); font-size: 14px; }
.facts dd { color: var(--navy); font-weight: 600; font-size: 14.5px; text-align: right; }

/* ── Sections ────────────────────────────────────────────── */
.section { padding: 84px 0; }
.section-soft { background: var(--soft); }
.section-head { max-width: 40em; margin-bottom: 40px; }
.section-head h2 { font-size: clamp(26px, 3.4vw, 34px); font-weight: 800; letter-spacing: -.01em; color: var(--navy); }

/* ── Cards ───────────────────────────────────────────────── */
.cards { display: grid; gap: 20px; }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px;
  transition: box-shadow .18s ease, transform .18s ease, border-color .18s ease;
}
.card:hover { box-shadow: 0 10px 26px rgba(11,37,69,.08); transform: translateY(-2px); border-color: #d7deea; }
.card-tag {
  display: inline-block;
  font-size: 12.5px; font-weight: 700; color: var(--red);
  background: #fdecef; padding: 4px 10px; border-radius: 999px; margin-bottom: 14px;
}
.card h3, .feature h3, .steps h3, .quote footer { font-weight: 700; }
.card h3 { color: var(--navy); font-size: 19px; margin-bottom: 8px; }
.card p, .feature p, .steps p { color: var(--muted); font-size: 15.5px; }

/* ── Steps ───────────────────────────────────────────────── */
.steps { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: s; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 24px; }
.step-n {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--navy); color: #fff; font-weight: 800; font-size: 17px;
  margin-bottom: 16px;
}
.steps h3 { color: var(--navy); font-size: 18px; margin-bottom: 6px; }

/* ── Features ────────────────────────────────────────────── */
.features .feature { padding: 4px; }
.feature h3 { color: var(--navy); font-size: 18px; margin-bottom: 6px; }
.feature { position: relative; padding-left: 18px; }
.feature::before { content: ""; position: absolute; left: 0; top: 6px; width: 4px; height: 22px; background: var(--red); border-radius: 3px; }

/* ── Results ─────────────────────────────────────────────── */
.result-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 44px; }
.rs { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; text-align: center; }
.rs strong { display: block; color: var(--navy); font-size: 34px; font-weight: 800; letter-spacing: -.02em; }
.rs span { color: var(--muted); font-size: 14.5px; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 24px; }
.quote p { color: var(--ink); font-size: 16px; }
.quote footer { color: var(--muted); font-weight: 600; font-size: 14px; margin-top: 14px; }

/* ── CTA band ────────────────────────────────────────────── */
.cta-band { background: var(--navy); color: #fff; }
.cta-inner { text-align: center; padding: 76px 24px; }
.cta-band h2 { font-size: clamp(26px, 3.6vw, 36px); font-weight: 800; letter-spacing: -.01em; }
.cta-band p { color: #b9c6dc; margin-top: 12px; font-size: 17px; }
.cta-band .hero-cta { justify-content: center; margin-top: 28px; }

/* ── Footer ──────────────────────────────────────────────── */
.footer { background: #fff; border-top: 1px solid var(--line); }
.footer-inner { display: flex; justify-content: space-between; gap: 28px; padding: 44px 24px 24px; flex-wrap: wrap; }
.footer-brand { display: flex; gap: 14px; align-items: flex-start; }
.footer-tag { color: var(--muted); font-size: 14px; max-width: 34em; margin-top: 4px; }
.footer-contact { display: grid; gap: 8px; align-content: start; }
.footer-contact a { color: var(--navy); font-weight: 600; font-size: 15px; }
.footer-contact a:hover { color: var(--red); }
.footer-bottom {
  display: flex; justify-content: space-between; gap: 16px;
  padding: 18px 24px 40px; border-top: 1px solid var(--line);
  color: var(--muted); font-size: 13.5px; flex-wrap: wrap;
}

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 36px; padding: 60px 24px 64px; }
  .cards-3, .steps, .result-stats { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 620px) {
  .cards-3, .steps, .result-stats { grid-template-columns: 1fr; }
  .section { padding: 60px 0; }
  .hero-stats { gap: 20px; }
  .footer-inner { flex-direction: column; }
}