:root{--navy:#06101F;--navy-2:#0d1d33;--teal:#068A79;--teal-dk:#056e61;--teal-lt:#2FC4AE;--ink:#1b2433;--muted:#4f5b6b;--line:#e3e8ee;--bg-alt:#f5f7f9;--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:Montserrat,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);line-height:1.6;font-size:17px;background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dk)}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--teal-lt);outline-offset:3px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:12px;top:12px}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.3rem);font-weight:700;letter-spacing:-.02em;max-width:18ch}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;letter-spacing:-.01em}
h3{font-size:1.05rem;font-weight:600}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:var(--teal-dk);margin:0 0 .75em}
.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(6px);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;height:72px}
.brand img{width:230px}
nav ul{list-style:none;display:flex;gap:28px;margin:0;padding:0;align-items:center}
nav a{white-space:nowrap;text-decoration:none;color:var(--navy);font-weight:500;font-size:.95rem}
nav a:hover{color:var(--teal-dk)}
.btn{display:inline-block;background:var(--teal-dk);color:#fff!important;text-decoration:none;font-weight:600;padding:14px 26px;border-radius:6px;border:2px solid var(--teal-dk);transition:background .15s}
.btn:hover{background:var(--navy);border-color:var(--navy)}
.btn-sm{padding:8px 18px;font-size:.9rem}
.btn-ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:#fff}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#dfe6ee;padding:96px 0 88px;border-bottom:4px solid var(--teal)}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--teal-lt)}
.lead{font-size:1.15rem;max-width:60ch;margin:0 0 2em;color:#cdd6e0}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-points{list-style:none;padding:0;margin:48px 0 0;display:flex;flex-wrap:wrap;gap:12px 36px;font-size:.92rem;color:#b9c4d0}
.hero-points li{position:relative;padding-left:20px}
.hero-points li::before{content:"";position:absolute;left:0;top:.6em;width:10px;height:3px;background:var(--teal-lt)}
.section{padding:88px 0}
.section-alt{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-intro{color:var(--muted);max-width:64ch;margin:0 0 40px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:8px;padding:24px;background:#fff}
.card p{margin:0;color:var(--muted);font-size:.95rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:32px}
.step p{color:var(--muted);margin:0;font-size:.97rem}
.num{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:14px}
.about{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:start}
.about p{color:var(--muted)}
.creds{background:var(--bg-alt);border:1px solid var(--line);border-radius:8px;padding:28px}
.creds h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--teal-dk);margin-top:0}
.creds ul{margin:0 0 24px;padding-left:18px}
.creds ul:last-child{margin-bottom:0}
.creds li{margin-bottom:10px;font-size:.95rem}
.creds strong{color:var(--navy)}
.contact{background:var(--bg-alt);border-top:1px solid var(--line)}
.contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,360px));gap:20px}
.contact-card{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:8px;padding:22px 24px;text-decoration:none;transition:border-color .15s,box-shadow .15s}
.contact-card:hover{border-color:var(--teal);box-shadow:0 6px 18px rgba(6,16,31,.08)}
.contact-card .label{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-weight:600}
.contact-card .value{color:var(--navy);font-weight:600;font-size:1.05rem;word-break:break-word}
.small{font-size:.9rem;color:var(--muted);margin-top:28px}
.site-footer{background:var(--navy);color:#aeb9c6;padding:48px 0;font-size:.88rem}
.footer-logo{width:220px;margin-bottom:20px}
.disclaimer{max-width:72ch;margin:0 0 10px}
.copy{margin:0;color:#7f8c9b}
@media (max-width:900px){.grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr}.about{grid-template-columns:1fr;gap:32px}}
@media (max-width:640px){
  body{font-size:16px}
  .nav{height:auto;padding:14px 24px;flex-direction:column;gap:10px}
  .brand img{width:200px}
  nav ul{gap:14px}
  nav a{font-size:.88rem}
  .btn-sm{padding:7px 14px}
  .hero{padding:64px 0 60px}
  .section{padding:64px 0}
  .grid,.contact-grid{grid-template-columns:1fr}
  .site-header{position:static}
}