:root{
  --tiffany:#0ABAB5;
  --tiffany-2:#079A97;
  --orange:#FF6600;
  --navy:#001F3F;
  --navy-2:#062B4B;
  --ink:#0E1B2B;
  --muted:#647487;
  --soft:#F2FBFB;
  --soft-orange:#FFF3EA;
  --white:#FFFFFF;
  --line:#D9EEEE;
  --shadow:0 22px 65px rgba(0,31,63,.12);
  --radius:28px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,Segoe UI,Arial,sans-serif;
  color:var(--ink);
  line-height:1.65;
  background:#fff;
}
a{color:inherit}
.header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(16px);
  border-bottom:1px solid var(--line);
}
.nav{
  max-width:1240px;margin:auto;
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 24px;gap:24px;
}
.logo img{height:66px;width:auto;display:block}
.links{display:flex;align-items:center;gap:18px;font-weight:850;color:var(--navy);font-size:14px}
.links a{text-decoration:none;white-space:nowrap}
.links a:hover{color:var(--orange)}
.menu{display:none;background:transparent;border:0;font-size:30px;color:var(--navy)}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 24px;border-radius:999px;
  background:var(--orange);color:white!important;
  text-decoration:none;font-weight:900;border:2px solid var(--orange);
  box-shadow:0 14px 30px rgba(255,102,0,.22);
}
.btn:hover{transform:translateY(-1px)}
.btn.alt{background:white;color:var(--navy)!important;border-color:var(--tiffany);box-shadow:none}
.btn.dark{background:var(--navy);border-color:var(--navy)}
.btn.small{padding:9px 16px;font-size:14px}
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(circle at 85% 15%, rgba(255,102,0,.22), transparent 28%),
    radial-gradient(circle at 10% 80%, rgba(10,186,181,.20), transparent 30%),
    linear-gradient(180deg,#fff 0%,#f7ffff 100%);
}
.hero:before{
  content:"";position:absolute;right:-180px;top:-220px;width:620px;height:620px;border-radius:50%;
  background:linear-gradient(135deg,var(--orange),#ff8a2d);
  opacity:.13;
}
.hero:after{
  content:"";position:absolute;left:-240px;bottom:-330px;width:720px;height:720px;border-radius:50%;
  background:linear-gradient(135deg,var(--tiffany),#057f83);
  opacity:.16;
}
.hero-wrap{
  max-width:1240px;margin:auto;position:relative;z-index:1;
  display:grid;grid-template-columns:1.08fr .92fr;gap:52px;align-items:center;
  padding:92px 24px 76px;
}
.eyebrow,.label{
  display:inline-flex;align-items:center;gap:10px;
  text-transform:uppercase;letter-spacing:.09em;
  color:var(--tiffany-2);font-size:13px;font-weight:950;margin-bottom:12px;
}
.eyebrow:before,.label:before{content:"";width:32px;height:3px;background:var(--orange);border-radius:10px}
h1,h2,h3{color:var(--navy);line-height:1.08;margin:0 0 18px}
h1{font-size:64px;letter-spacing:-2.2px}
h2{font-size:42px;letter-spacing:-1px}
h3{font-size:23px}
p{font-size:18px;color:var(--muted);margin-top:0}
.lead{font-size:21px;color:#435266}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-proof{
  display:flex;gap:12px;flex-wrap:wrap;margin-top:26px
}
.hero-proof span{
  background:white;border:1px solid var(--line);border-radius:999px;padding:9px 14px;
  color:var(--navy);font-weight:850;font-size:14px;box-shadow:0 8px 24px rgba(0,31,63,.06)
}
.premium-panel{
  background:linear-gradient(145deg,var(--navy),#073B51);
  border-radius:36px;color:white;padding:36px;box-shadow:var(--shadow);
  border:1px solid rgba(255,255,255,.12);position:relative;overflow:hidden;
}
.premium-panel:before{
  content:"";position:absolute;right:-80px;top:-80px;width:220px;height:220px;border-radius:50%;
  background:var(--orange);opacity:.26;
}
.premium-panel img{max-width:100%;background:white;border-radius:20px;padding:12px;margin-bottom:24px}
.premium-panel h2,.premium-panel p,.premium-panel li{color:white}
.premium-panel ul{padding-left:20px;margin:0}
.quick{
  max-width:1240px;margin:-28px auto 0;position:relative;z-index:2;
  padding:0 24px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;
}
.quick div{
  background:white;border:1px solid var(--line);border-radius:24px;padding:24px;
  box-shadow:var(--shadow);border-bottom:5px solid var(--tiffany);
}
.quick div:nth-child(even){border-bottom-color:var(--orange)}
.quick strong{display:block;color:var(--navy);font-size:21px}
.quick span{color:var(--muted);font-weight:650}
.section{max-width:1240px;margin:auto;padding:86px 24px;border-top:1px solid var(--line)}
.two{display:grid;grid-template-columns:.92fr 1.08fr;gap:58px;align-items:start}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}
.card{
  background:white;border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  box-shadow:0 18px 50px rgba(0,31,63,.07);
}
.badge{
  display:grid;place-items:center;width:52px;height:52px;border-radius:18px;
  background:var(--tiffany);color:white;font-weight:950;margin-bottom:18px;font-size:18px;
}
.card:nth-child(even) .badge{background:var(--orange)}
.split-highlight{
  max-width:none;background:linear-gradient(135deg,var(--navy),#07364E);color:white;border:0;
}
.split-highlight .wrap{
  max-width:1240px;margin:auto;padding:86px 24px;
  display:grid;grid-template-columns:.9fr 1.1fr;gap:54px
}
.split-highlight h2,.split-highlight p{color:white}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.values p{background:rgba(255,255,255,.085);border:1px solid rgba(255,255,255,.15);padding:22px;border-radius:22px}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:30px}
.step{
  background:var(--soft);border-radius:24px;padding:26px;border-top:6px solid var(--tiffany);
}
.step:nth-child(even){border-top-color:var(--orange)}
.step span{
  display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;
  background:var(--navy);color:white;font-weight:950;margin-bottom:14px
}
.cta{
  max-width:1180px;margin:40px auto 0;border-radius:36px;padding:46px;
  background:linear-gradient(135deg,var(--tiffany),var(--navy));
  color:white;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;
  box-shadow:var(--shadow)
}
.cta h2,.cta p{color:white}
.list{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:12px}
.list li{
  background:white;border:1px solid var(--line);border-left:5px solid var(--tiffany);
  border-radius:18px;padding:15px 18px;color:var(--muted);font-size:17px;
}
.list li:nth-child(even){border-left-color:var(--orange)}
.form{
  background:var(--soft);border-radius:30px;padding:32px;border-left:8px solid var(--orange);
  box-shadow:0 18px 50px rgba(0,31,63,.07)
}
.form label{display:block;font-weight:900;color:var(--navy);margin:14px 0 7px}
.form input,.form textarea,.form select{
  width:100%;padding:15px 16px;border-radius:16px;border:1px solid var(--line);
  background:white;font:inherit;color:var(--ink)
}
.form textarea{min-height:130px}
.policy-preview{
  background:linear-gradient(180deg,#fff,var(--soft));border:1px solid var(--line);
  border-radius:34px;padding:34px;box-shadow:var(--shadow)
}
.policy-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
.policy-item{background:white;border-radius:22px;padding:22px;border-left:5px solid var(--tiffany)}
.policy-item:nth-child(even){border-left-color:var(--orange)}
.footer{
  background:var(--navy);color:white;text-align:center;padding:48px 24px;margin-top:40px
}
.footer img{height:64px;background:white;border-radius:16px;padding:8px;margin-bottom:16px}
.footer p{color:#DCE9EC;font-size:15px}
.footer a{color:white}
.note{font-size:14px;color:#778696}
@media(max-width:980px){
  .menu{display:block}
  .links{display:none;position:absolute;left:0;right:0;top:95px;background:white;padding:24px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}
  .links.open{display:flex}
  .hero-wrap,.two,.split-highlight .wrap,.cta{grid-template-columns:1fr}
  h1{font-size:44px} h2{font-size:32px}
  .quick,.cards,.values,.process,.policy-grid{grid-template-columns:1fr}
}