:root{--navy:#14213D;--navy2:#1C2D52;--gold:#F2B134;--gold2:#D99A1F;--bg:#F6F7FA;--card:#fff;--tx:#14213D;--mut:#55607A;--line:#E3E7EF}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--tx);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%}a{color:inherit}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.hd{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.hd img{height:34px;width:auto;display:block}
nav{display:flex;align-items:center;gap:22px;font-size:15px;font-weight:500}
nav a{text-decoration:none;color:#D5DCEB}nav a:hover,nav a.on{color:#fff}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:13px 22px;border-radius:12px;text-decoration:none;border:2px solid var(--gold);font-size:16px;transition:transform .12s,background .12s}
.btn:hover{background:#FFC24D;transform:translateY(-1px)}
.btn.sm{padding:9px 16px;font-size:14px;border-radius:10px}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}.btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.dark{background:var(--navy);color:#fff;border-color:var(--navy)}.btn.dark:hover{background:var(--navy2)}
.hero{background:var(--navy);color:#fff;padding:72px 0 80px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-80px;width:480px;height:480px;background:radial-gradient(closest-side,rgba(242,177,52,.18),transparent);pointer-events:none}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
h1{font-size:clamp(32px,5vw,52px);line-height:1.1;margin:0 0 18px;letter-spacing:-.02em;font-weight:800;max-width:760px}
.lead{font-size:clamp(17px,2vw,20px);color:#CBD5EA;max-width:640px;margin:0 0 28px}
.cta{display:flex;gap:12px;flex-wrap:wrap}
section{padding:64px 0}
h2{font-size:clamp(26px,3.4vw,36px);line-height:1.2;margin:0 0 12px;letter-spacing:-.015em;font-weight:800}
.sub{color:var(--mut);max-width:640px;margin:0 0 32px;font-size:18px}
.grid{display:grid;gap:18px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:26px}
.card h3{margin:14px 0 8px;font-size:20px;line-height:1.25}.card p{margin:0;color:var(--mut)}
.ic{width:46px;height:46px;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center}
.ic svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
a.card{text-decoration:none;display:block;transition:transform .15s,border-color .15s}a.card:hover{transform:translateY(-3px);border-color:var(--gold)}
.more{display:inline-block;margin-top:14px;font-weight:700;color:var(--navy);border-bottom:2px solid var(--gold)}
.soon{opacity:.75;border-style:dashed}
.steps{counter-reset:s}.step{position:relative;padding-left:60px}
.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px}
.step h3{margin:2px 0 6px;font-size:19px}.step p{margin:0;color:var(--mut)}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.list li{position:relative;padding-left:32px}
.list li:before{content:"";position:absolute;left:0;top:7px;width:18px;height:18px;border-radius:50%;background:var(--gold)}
.list li:after{content:"";position:absolute;left:6px;top:11px;width:5px;height:9px;border:solid var(--navy);border-width:0 2px 2px 0;transform:rotate(45deg)}
.dark-sec{background:var(--navy);color:#fff}.dark-sec .sub{color:#CBD5EA}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;list-style:none}.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--gold2);font-size:22px;line-height:1}
.faq details[open] summary:after{content:"–"}.faq p{margin:10px 0 0;color:var(--mut)}
.callout{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:22px;padding:44px 36px;text-align:center}
.callout h2{margin-bottom:10px}.callout p{color:#CBD5EA;max-width:560px;margin:0 auto 24px;font-size:18px}
footer{background:var(--navy);color:#B6C1D9;padding:44px 0 28px;font-size:15px}
.ft{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap;align-items:flex-start}
footer img{height:32px;width:auto;margin-bottom:10px;display:block}
footer a{color:#fff;text-decoration:none}footer a:hover{text-decoration:underline}
.fl{display:grid;gap:6px}.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:16px;font-size:13px}
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.pane{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px}
.pane h3{margin:0 0 12px}
.tag{display:inline-block;font-size:13px;font-weight:700;padding:5px 12px;border-radius:99px;background:rgba(242,177,52,.18);color:var(--gold2);margin-bottom:12px}
@media(max-width:820px){.g3,.g2,.two{grid-template-columns:1fr}.hero{padding:48px 0 56px}section{padding:46px 0}
nav{gap:14px;font-size:14px}nav .btn.sm{padding:8px 12px}.hide-m{display:none}.callout{padding:34px 22px}}
@media(max-width:520px){.hd{flex-wrap:wrap;justify-content:center}nav{justify-content:center;flex-wrap:wrap}.cta .btn{width:100%;text-align:center}}