:root{--navy:#101D3F;--navy2:#16254D;--gold:#FFC83D;--bg:#F5F7FB;--tx:#5B6478;--ln:#E3E8F1;--h:76px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"DM Sans",Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--tx);background:#fff}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans",Arial,sans-serif;color:var(--navy);line-height:1.12;margin:0}
a{color:inherit}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px}
.top{position:sticky;top:0;z-index:50;background:var(--navy);transition:box-shadow .3s}.top.sm{box-shadow:0 6px 20px rgba(0,0,0,.35)}
nav{height:var(--h);display:flex;align-items:center;justify-content:space-between;gap:16px;transition:height .3s}.top.sm nav{height:62px}
.logo{font-family:"Plus Jakarta Sans",Arial,sans-serif;font-weight:800;font-size:27px;color:#fff;text-decoration:none;letter-spacing:-.02em}.logo span{color:var(--gold)}
.links{display:flex;gap:6px}.links a{color:#fff;text-decoration:none;font-size:15.5px;font-weight:500;padding:9px 16px;border-radius:8px}
.links a:hover{color:var(--gold)}.links a.on{background:rgba(255,255,255,.1);color:var(--gold)}
.pill{background:var(--gold);color:var(--navy)!important;font-weight:700;border-radius:999px;padding:11px 22px;text-decoration:none;display:inline-block;font-size:15px;border:0;cursor:pointer;font-family:inherit;box-shadow:0 4px 14px rgba(255,200,61,.3);transition:transform .2s}.pill:hover{transform:translateY(-2px)}
.pill.lg{padding:16px 30px;font-size:16.5px}.pill.o{background:none;color:#fff!important;border:2px solid rgba(255,255,255,.5);box-shadow:none}
.burger{display:none;background:none;border:0;color:#fff;font-size:28px;cursor:pointer}
.dash{width:48px;height:4px;background:var(--gold);border-radius:2px;margin-bottom:18px}
.eb{color:var(--gold);font-size:13px;letter-spacing:.14em;font-weight:700;text-transform:uppercase;margin-bottom:12px}
.hero{background:linear-gradient(90deg,rgba(16,29,63,.95) 30%,rgba(16,29,63,.55)),url(hero.jpg) center/cover,var(--navy);color:#fff;padding:110px 0 120px}
.hero h1{color:#fff;font-size:clamp(40px,6.5vw,72px);font-weight:800;max-width:11em;letter-spacing:-.02em}
.hero p{color:#D5DCEC;font-size:19px;max-width:36em;margin:26px 0 34px}.hero .pill+.pill{margin-left:12px}
.ph{background:var(--navy);padding:92px 0 80px;color:#fff}.ph h1{color:#fff;font-size:clamp(34px,5vw,56px);font-weight:800;max-width:14em}.ph p{color:#C9D2E6;font-size:19px;max-width:40em;margin:18px 0 0}
section{padding:88px 0}.c{text-align:center}.c .dash{margin-left:auto;margin-right:auto}
section h2{font-size:clamp(30px,4vw,44px);font-weight:800;letter-spacing:-.02em}.sub{max-width:40em;margin:14px auto 0}
.bg{background:var(--bg)}.nv{background:var(--navy);color:#C9D2E6}.nv h2{color:#fff}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:48px}
.gc{background:#fff;border:1px solid var(--ln);border-left:4px solid var(--gold);border-radius:12px;padding:26px 28px;box-shadow:0 2px 10px rgba(16,29,63,.05);transition:transform .25s,box-shadow .25s}
.gc:hover{transform:translateY(-4px);box-shadow:0 14px 28px rgba(16,29,63,.12)}.gc h3{font-size:19px;margin-bottom:8px}.gc p{margin:0;font-size:15.5px}
.more{display:inline-block;margin-top:38px;font-weight:700;color:var(--navy);text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:center}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:14px}.chip{background:var(--navy2);border:1px solid #2A3A66;border-radius:12px;padding:16px 18px;color:#fff;font-weight:600;font-size:15.5px;display:flex;gap:12px;align-items:center}
.ck::before{content:"\2713";flex:none;width:22px;height:22px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);display:inline-grid;place-items:center;font-size:12px;font-weight:700}
.bento{display:grid;grid-template-columns:repeat(12,1fr);gap:22px;margin-top:48px}
.bc{background:var(--bg);border-radius:14px;padding:30px;transition:transform .25s}.bc:hover{transform:translateY(-4px)}.bc.d{background:var(--navy);color:#C9D2E6}.bc.d h3{color:#fff}
.bc::before{content:"";display:block;width:34px;height:4px;background:var(--gold);border-radius:2px;margin-bottom:20px}.bc h3{font-size:21px;margin-bottom:8px}.bc p{margin:0;font-size:15.5px}
.s7{grid-column:span 7}.s5{grid-column:span 5}.s4{grid-column:span 4}.s8{grid-column:span 8}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:56px;position:relative}.steps::before{content:"";position:absolute;top:32px;left:17%;right:17%;height:1px;background:#E8D9A8}
.st{text-align:center;position:relative}.num{width:66px;height:66px;margin:0 auto 20px;border-radius:50%;background:var(--navy);border:3px solid var(--gold);color:#fff;font-family:"Plus Jakarta Sans",Arial,sans-serif;font-weight:800;font-size:22px;display:grid;place-items:center}
.st h3{font-size:20px;margin-bottom:8px}.st p{margin:0;font-size:15.5px}
.band{background:var(--navy);padding:72px 0;border-bottom:4px solid var(--gold)}.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.band h2{color:#fff;font-size:clamp(28px,4vw,42px)}.band p{color:#C9D2E6;margin:8px 0 0}
.tabs{position:sticky;top:var(--h);z-index:40;background:#fff;border-bottom:1px solid var(--ln);padding:14px 0}.tabs .wrap{display:flex;gap:10px;overflow-x:auto}
.tabs a{white-space:nowrap;border:1px solid var(--ln);border-radius:999px;padding:7px 16px;font-size:14px;font-weight:600;color:var(--navy);text-decoration:none}.tabs a:hover{background:var(--gold);border-color:var(--gold)}
.svc{padding:76px 0;scroll-margin-top:130px}.svc .wrap{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.svc h2{font-size:clamp(28px,3.6vw,40px);margin-bottom:18px}.svc p{margin:0 0 14px}
.svc.alt{background:var(--bg)}.svc.alt .inc{order:-1}
.inc{background:var(--navy);border-left:4px solid var(--gold);border-radius:14px;padding:32px;color:#fff}.inc h4{color:var(--gold);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px}
.inc ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}.inc li{display:flex;gap:12px;align-items:center;font-size:15.5px}.inc li::before{content:"\2713";flex:none;width:22px;height:22px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);display:grid;place-items:center;font-size:12px}
.stat{background:var(--navy);border-radius:16px;padding:48px 32px;text-align:center;color:#D5DCEC}.stat b{display:block;font-family:"Plus Jakarta Sans",Arial,sans-serif;font-size:72px;color:var(--gold);line-height:1}.stat span{display:block;color:#fff;font-weight:700;font-size:19px;margin:10px 0 14px}
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}.cat{border:1px solid var(--ln);border-radius:14px;padding:28px;background:#fff}.cat h3{font-size:13px;letter-spacing:.1em;text-transform:uppercase;border-left:4px solid var(--gold);padding-left:10px;margin-bottom:18px}
.cat ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}.cat li{display:flex;gap:10px;align-items:center;color:var(--navy);font-weight:500}.cat li::before{content:"\2713";flex:none;width:20px;height:20px;border-radius:50%;border:1.5px solid var(--gold);color:#C99700;display:grid;place-items:center;font-size:11px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:64px}.how{list-style:none;margin:0;padding:0;display:grid;gap:22px}.how li{padding-left:26px;position:relative}.how li::before{content:"";position:absolute;left:0;top:10px;width:10px;height:10px;border-radius:50%;background:var(--gold)}.how b{display:block;color:var(--navy)}
.ph2{min-height:380px;border-radius:16px;background:url(founder.jpg) center/cover,linear-gradient(135deg,var(--navy),var(--navy2))}
.cw{display:grid;grid-template-columns:1.7fr 1fr;gap:40px;align-items:start}.card{background:#fff;border:1px solid var(--ln);border-radius:18px;padding:44px;box-shadow:0 8px 30px rgba(16,29,63,.06)}
form{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}label{display:grid;gap:7px;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy)}.f{grid-column:1/-1}
input,select,textarea{font:inherit;font-size:16px;text-transform:none;letter-spacing:0;font-weight:400;padding:14px;border:1px solid #CBD3E2;border-radius:10px;width:100%;background:#fff}.hp{position:absolute;left:-9999px}
.nt{background:var(--bg);border-left:4px solid var(--gold);border-radius:8px;padding:12px 16px;font-size:15px}
.ex{display:grid;gap:22px;margin:22px 0 28px}.ex div{display:flex;gap:14px}.ex b{color:var(--navy);display:block}.ex i{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-style:normal;font-size:13px;font-weight:700;display:grid;place-items:center}
.em{background:var(--navy);border-left:4px solid var(--gold);border-radius:14px;padding:22px 26px;color:#fff}.em small{color:var(--gold);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:12px;display:block}
.legal{max-width:800px}.legal h2{font-size:24px;margin:34px 0 8px}
footer{background:var(--navy);color:#A9B4D0;padding:68px 0 26px;font-size:15.5px}footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;padding-bottom:36px;border-bottom:1px solid #2A3A66}
footer h4{color:var(--gold);font-size:13px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}footer a{display:block;text-decoration:none;padding:5px 0}footer a:hover{color:var(--gold)}.em2{color:var(--gold)}
.fb{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:22px;font-size:14px}.fb span a{display:inline;margin-left:18px}
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s,transform .7s}.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}
@media(max-width:900px){.burger{display:block}.links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;padding:10px 20px 20px}.links.open{display:flex}nav>.pill{display:none}
.g2,.split,.chips,.steps,.svc .wrap,.cats,.two,.cw,form,footer .cols{grid-template-columns:1fr}.steps::before{display:none}.bento>*{grid-column:span 12}.svc.alt .inc{order:0}
section{padding:60px 0}.hero{padding:72px 0 80px}.card{padding:26px}.hero .pill+.pill{margin:12px 0 0}.svc{padding:52px 0}.ph{padding:64px 0 56px}}
.cat h3{color:var(--c,var(--navy));border-left-color:var(--c,var(--gold))}.cat li::before{border-color:var(--c,var(--gold));color:var(--c,#C99700)}