:root{--navy:#0a1f44;--navy2:#0f3a6b;--teal:#0e9f92;--teal2:#0b7d73;--cyan:#22d3c5;--tint:#eef8f7;--alt:#f3f7fb;--ink:#182338;--mut:#5a677a;--line:#dbe4ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:var(--teal2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.topbar{background:#06142e;color:#b9c8de;font-size:.8rem}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none}.topbar a:hover{color:var(--cyan)}
.hdr{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:10;box-shadow:0 1px 8px rgba(10,31,68,.06)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:1.4rem;color:var(--navy);text-decoration:none;letter-spacing:-.3px}.logo b{color:var(--teal)}
nav{display:flex;align-items:center;gap:2px}nav a{padding:8px 11px;color:var(--ink);text-decoration:none;border-radius:6px;font-size:.95rem;font-weight:500}
nav a:hover{color:var(--teal2);background:var(--tint)}nav a.on{color:var(--teal2);box-shadow:inset 0 -2px 0 var(--teal)}
.btn{display:inline-block;background:linear-gradient(135deg,var(--teal),var(--teal2));color:#fff;font-weight:600;padding:11px 22px;border-radius:8px;text-decoration:none;border:1px solid var(--teal2);cursor:pointer;font-size:1rem;box-shadow:0 2px 6px rgba(14,159,146,.25)}
.btn:hover{filter:brightness(1.08);color:#fff}
.btn.ghost{background:transparent;color:var(--teal2);box-shadow:none}.btn.ghost:hover{background:var(--teal);color:#fff;filter:none}
.btn.sm{padding:6px 14px;font-size:.9rem;margin-left:8px}
.burger{display:none;background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:6px;font-size:.95rem}
.hero{background:radial-gradient(900px 400px at 85% 0,rgba(34,211,197,.22),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:72px 0 96px}
.hero-in{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:center}
.hero h1{font-size:2.35rem;line-height:1.2;margin:8px 0 14px;color:#fff}.lead{font-size:1.08rem;color:#cbd8ec;margin:0}
.kick{color:var(--cyan);text-transform:uppercase;letter-spacing:.09em;font-size:.76rem;font-weight:700}
.row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.6)}.hero .btn.ghost:hover{background:#fff;color:var(--navy)}
.panel{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:24px}
.panel h3{color:#fff;margin:0 0 6px}.panel a{color:var(--cyan)}
.access{margin-top:-46px;position:relative;z-index:2}
.access .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.access a{display:block;background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:10px;padding:16px 16px;text-decoration:none;color:var(--ink);box-shadow:0 8px 22px rgba(10,31,68,.10)}
.access a:hover{transform:translateY(-2px);border-top-color:var(--cyan)}
.access b{display:block;color:var(--navy)}.access span{font-size:.84rem;color:var(--mut)}
.sec{padding:56px 0}.sec.alt{background:var(--alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:1.6rem;color:var(--navy);margin:0 0 10px}h2:after{content:"";display:block;width:44px;height:3px;background:var(--teal);border-radius:2px;margin-top:8px}
.narrow h2:after,.cta h2:after{margin-left:0}.cta h2:after{margin:8px auto 0}
h3{color:var(--navy);margin:0 0 6px;font-size:1.1rem}.sub{color:var(--mut);margin:0 0 24px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:22px 0}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:10px;padding:22px;color:var(--ink);text-decoration:none;display:block;position:relative;box-shadow:0 2px 8px rgba(10,31,68,.04)}
a.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(10,31,68,.10)}.card p{margin:6px 0;color:var(--mut)}
.card.hl{border-top-color:var(--cyan);background:linear-gradient(180deg,var(--tint),#fff 60%)}
.ic{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:10px;background:var(--tint);color:var(--teal2);margin-bottom:10px}
.tag{position:absolute;top:-12px;right:14px;background:var(--navy);color:#fff;font-size:.72rem;font-weight:700;padding:3px 11px;border-radius:999px}
.ticks{list-style:none;padding:0;margin:12px 0}.ticks li{padding-left:26px;position:relative;margin:7px 0}
.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:800}
.hero .ticks li:before{color:var(--cyan)}.ticks.plan li:before{content:"\2192"}
.pill{font-size:.72rem;font-weight:600;vertical-align:middle;background:var(--tint);border:1px solid #bfe6e2;color:var(--teal2);padding:2px 10px;border-radius:999px;margin-left:6px}
.phead{background:radial-gradient(700px 300px at 90% 0,rgba(34,211,197,.2),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy2));padding:46px 0;color:#fff}
.phead h1{margin:0 0 6px;font-size:2rem;color:#fff}.phead p{margin:0;color:#cbd8ec}
.block{margin-bottom:38px;scroll-margin-top:84px}
table{width:100%;border-collapse:collapse;margin:14px 0;border:1px solid var(--line);border-radius:8px;overflow:hidden}th,td{text-align:left;padding:10px 13px;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff;font-weight:600}tr:nth-child(even) td{background:var(--alt)}
.steps{padding-left:20px}.steps li{margin:10px 0}.steps li::marker{color:var(--teal);font-weight:700}
.callout{background:var(--tint);border:1px solid #cdebe8;border-left:4px solid var(--teal);padding:18px 22px;border-radius:8px;margin:0 0 30px;scroll-margin-top:84px}
.callout h3{margin-top:0}.callout p{margin:4px 0 8px}
.note{color:var(--mut);font-size:.88rem}
.list .row-link{display:block;padding:18px 20px;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:8px;margin-bottom:12px;text-decoration:none;color:var(--ink);background:#fff}
.list .row-link:hover{box-shadow:0 6px 18px rgba(10,31,68,.09)}.list .row-link b{display:block;color:var(--navy)}.list .row-link span{color:var(--mut)}
.legal h2{font-size:1.12rem;margin-top:26px}.legal h2:after{display:none}.legal li{margin:4px 0}
.cta{background:radial-gradient(600px 240px at 50% 0,rgba(34,211,197,.18),transparent 65%),linear-gradient(135deg,var(--navy),var(--navy2));text-align:center;padding:52px 0;color:#fff}.cta h2{color:#fff}.cta p{color:#cbd8ec;margin:0 0 18px}
.form label{display:block;font-weight:600;margin-bottom:12px}.form input,.form select,.form textarea{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;margin-top:4px}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--cyan);border-color:var(--teal)}
.ftr{background:#06142e;color:#b0c0d8;padding-top:44px;font-size:.92rem;border-top:3px solid var(--teal)}.ftr .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:26px}
.ftr h4{color:#fff;margin:0 0 8px}.ftr a{display:block;color:#b0c0d8;text-decoration:none;padding:2px 0}.ftr a:hover{color:var(--cyan)}.ftr .logo{color:#fff}.ftr .logo b{color:var(--cyan)}.ftr .logo{display:inline-flex}
.copy{border-top:1px solid #1c3357;margin-top:30px;padding:16px 20px;font-size:.82rem}
@media(max-width:860px){.grid3,.grid2,.ftr .cols,.hero-in{grid-template-columns:1fr}.access .wrap{grid-template-columns:1fr 1fr}
.hero{padding:48px 0 76px}.hero h1{font-size:1.75rem}.burger{display:block}
nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px;border-bottom:1px solid var(--line)}
nav.open{display:flex}.btn.sm{margin:6px 0 0;text-align:center}.hdr-in{position:relative}}