:root{
    --navy:#07172d;
    --blue:#1557d6;
    --green:#16a34a;
    --gold:#f7c948;
    --bg:#f5f8fc;
    --card:#ffffff;
    --text:#14213d;
    --muted:#64748b;
    --line:#d8e4f2;
    --shadow:0 18px 45px rgba(11,35,75,.12);
    --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
    margin:0;
    font-family:Arial,Helvetica,sans-serif;
    background:var(--bg);
    color:var(--text);
    line-height:1.6;
}
a{text-decoration:none;color:inherit}
.wrap{width:min(1180px,92%);margin:auto}

.topbar{
    position:sticky;
    top:0;
    z-index:50;
    background:rgba(255,255,255,.95);
    backdrop-filter:blur(14px);
    border-bottom:1px solid var(--line);
}
.nav{
    min-height:76px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:18px;
}
.brand{
    display:flex;
    align-items:center;
    gap:12px;
    font-weight:900;
    color:var(--navy);
}
.logo{
    width:46px;
    height:46px;
    border-radius:15px;
    display:grid;
    place-items:center;
    color:#fff;
    background:linear-gradient(135deg,var(--blue),var(--gold));
    font-weight:900;
}
.brand small{
    display:block;
    color:var(--muted);
    font-size:12px;
}
.navlinks{
    display:flex;
    align-items:center;
    gap:16px;
    font-size:14px;
    font-weight:800;
}
.btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    padding:12px 18px;
    border-radius:999px;
    font-weight:900;
    border:1px solid transparent;
}
.btn-primary{
    background:var(--blue);
    color:#fff;
    box-shadow:0 12px 28px rgba(21,87,214,.25);
}
.btn-green{
    background:var(--green);
    color:#fff;
}
.btn-gold{
    background:var(--gold);
    color:#111827;
}
.btn-outline{
    background:#fff;
    border-color:#bfd0e6;
    color:var(--navy);
}

.hero{
    color:#fff;
    padding:88px 0 64px;
    background:
        radial-gradient(circle at 8% 12%,rgba(247,201,72,.28),transparent 30%),
        radial-gradient(circle at 90% 18%,rgba(22,163,74,.20),transparent 28%),
        linear-gradient(135deg,#07172d 0%,#0b2855 50%,#1557d6 100%);
}
.hero-grid{
    display:grid;
    grid-template-columns:1.08fr .92fr;
    gap:34px;
    align-items:center;
}
.eyebrow{
    display:inline-flex;
    padding:8px 14px;
    border-radius:999px;
    border:1px solid rgba(255,255,255,.26);
    background:rgba(255,255,255,.10);
    color:#ffe69a;
    font-size:13px;
    font-weight:900;
    margin-bottom:18px;
}
h1{
    font-size:clamp(34px,5vw,62px);
    line-height:1.04;
    letter-spacing:-1.3px;
    margin:0 0 18px;
}
.hero-text{
    font-size:18px;
    color:#dbeafe;
    margin:0 0 26px;
}
.hero-actions{
    display:flex;
    flex-wrap:wrap;
    gap:12px;
    margin:26px 0;
}
.trust-strip{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:12px;
    margin-top:28px;
}
.trust-strip div{
    border:1px solid rgba(255,255,255,.18);
    background:rgba(255,255,255,.10);
    border-radius:18px;
    padding:14px;
}
.trust-strip b{display:block;color:#fff}
.trust-strip span{font-size:13px;color:#cbdcff}

.hero-card{
    background:#fff;
    color:var(--text);
    border-radius:30px;
    padding:24px;
    box-shadow:0 28px 80px rgba(0,0,0,.30);
}
.hero-card h3{
    font-size:26px;
    margin:0 0 10px;
    color:var(--navy);
}
.badge{
    display:inline-flex;
    padding:6px 10px;
    border-radius:999px;
    background:#eef5ff;
    color:var(--blue);
    font-size:12px;
    font-weight:900;
    margin-bottom:12px;
}
.checklist{
    padding:0;
    margin:16px 0 0;
    list-style:none;
}
.checklist li{
    padding:11px 0 11px 30px;
    border-top:1px dashed #e1e8f2;
    position:relative;
    color:#334155;
}
.checklist li:before{
    content:"✓";
    position:absolute;
    left:0;
    top:11px;
    width:20px;
    height:20px;
    border-radius:50%;
    display:grid;
    place-items:center;
    background:#dcfce7;
    color:#15803d;
    font-size:13px;
    font-weight:900;
}

.section{padding:72px 0}
.section-title{
    font-size:clamp(28px,3.4vw,44px);
    line-height:1.15;
    color:var(--navy);
    margin:0 0 10px;
    letter-spacing:-.6px;
}
.section-subtitle{
    max-width:880px;
    color:var(--muted);
    font-size:17px;
    margin:0 0 30px;
}
.center{text-align:center}
.center .section-subtitle{margin-left:auto;margin-right:auto}

.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}

.card{
    background:var(--card);
    border:1px solid var(--line);
    border-radius:var(--radius);
    padding:24px;
    box-shadow:var(--shadow);
}
.card h3{
    margin:0 0 10px;
    color:var(--navy);
    font-size:22px;
}
.card p{
    margin:0;
    color:#42526b;
}
.icon{
    width:52px;
    height:52px;
    border-radius:17px;
    display:grid;
    place-items:center;
    background:#eaf3ff;
    color:var(--blue);
    font-size:24px;
    margin-bottom:14px;
}
.notice{
    border-left:5px solid var(--gold);
    background:#fff8dd;
    padding:18px;
    border-radius:18px;
    color:#4b3b09;
    text-align:left;
}
.process{
    display:grid;
    grid-template-columns:repeat(6,minmax(0,1fr));
    gap:14px;
}
.step{
    background:#fff;
    border:1px solid var(--line);
    border-radius:22px;
    padding:20px;
    box-shadow:var(--shadow);
}
.step b{
    width:42px;
    height:42px;
    border-radius:50%;
    display:grid;
    place-items:center;
    background:var(--blue);
    color:#fff;
    margin-bottom:12px;
}
.dark{
    background:linear-gradient(135deg,#07172d,#103b76);
    color:#fff;
}
.dark .section-title{color:#fff}
.dark .section-subtitle{color:#cbdcff}
.dark .card{
    background:rgba(255,255,255,.08);
    border-color:rgba(255,255,255,.16);
    box-shadow:none;
}
.dark .card h3{color:#fff}
.dark .card p{color:#dbeafe}

.cta{
    background:linear-gradient(135deg,#ffffff,#fff7df);
    border:1px solid var(--line);
    border-radius:32px;
    padding:44px;
    text-align:center;
    box-shadow:var(--shadow);
}
.footer{
    background:#061225;
    color:#cbd5e1;
    padding:34px 0;
    font-size:14px;
}
.footer strong{color:#fff}
.float-wa{
    position:fixed;
    right:18px;
    bottom:18px;
    z-index:80;
    background:var(--green);
    color:#fff;
    padding:14px 18px;
    border-radius:999px;
    font-weight:900;
    box-shadow:0 14px 30px rgba(22,163,74,.35);
}

@media(max-width:980px){
    .hero-grid,.grid-2,.grid-3,.grid-4,.process{grid-template-columns:1fr}
    .nav{
        align-items:flex-start;
        flex-direction:column;
        padding:14px 0;
    }
    .navlinks{
        flex-wrap:wrap;
        gap:10px;
    }
    .trust-strip{grid-template-columns:1fr}
    .hero{padding:60px 0 44px}
    .cta{padding:28px}
}
@media(max-width:560px){
    .navlinks a:not(.btn){display:none}
    .btn{width:100%}
    .hero-actions .btn{width:100%}
    .float-wa{
        left:14px;
        right:14px;
        text-align:center;
        justify-content:center;
    }
}