:root{
  --navy:#082033;
  --blue:#1557d6;
  --teal:#0f766e;
  --green:#16a34a;
  --yellow:#facc15;
  --orange:#f97316;
  --bg:#f4fbf8;
  --card:#ffffff;
  --text:#172033;
  --muted:#64748b;
  --line:#cfe8df;
  --shadow:0 18px 50px rgba(10,70,55,.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:1.65;
}
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,.96);
  border-bottom:1px solid var(--line);
  backdrop-filter:blur(12px);
}
.nav{
  min-height:74px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  font-weight:900;
  color:var(--navy);
}
.logo{
  width:46px;
  height:46px;
  border-radius:16px;
  display:grid;
  place-items:center;
  color:#fff;
  font-weight:900;
  background:linear-gradient(135deg,var(--teal),var(--blue));
}
.brand small{display:block;color:var(--muted);font-size:12px}
.navlinks{
  display:flex;
  align-items:center;
  gap:14px;
  font-size:14px;
  font-weight:800;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:13px 20px;
  border-radius:999px;
  font-weight:900;
  border:1px solid transparent;
}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 14px 30px rgba(15,118,110,.24)}
.btn-green{background:var(--green);color:#fff}
.btn-yellow{background:var(--yellow);color:#3b2600}
.btn-outline{background:#fff;border-color:#a7d5c8;color:var(--navy)}

.hero{
  color:#fff;
  padding:92px 0 70px;
  background:
    radial-gradient(circle at 12% 10%,rgba(250,204,21,.22),transparent 30%),
    radial-gradient(circle at 90% 18%,rgba(21,87,214,.34),transparent 34%),
    linear-gradient(135deg,#082033 0%,#0f766e 48%,#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,.25);
  background:rgba(255,255,255,.10);
  color:#fff3b0;
  font-size:13px;
  font-weight:900;
  margin-bottom:16px;
}
h1{
  font-size:clamp(36px,5vw,64px);
  line-height:1.04;
  margin:0 0 18px;
  letter-spacing:-1.3px;
}
.hero-text{
  font-size:18px;
  color:#e6fffb;
  max-width:800px;
  margin:0 0 24px;
}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.hero-points{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
  margin-top:24px;
}
.hero-points div{
  padding:15px;
  border-radius:18px;
  border:1px solid rgba(255,255,255,.18);
  background:rgba(255,255,255,.09);
}
.hero-points b{display:block}
.hero-points span{font-size:13px;color:#e6fffb}

.hero-card{
  background:#fff;
  color:var(--text);
  border-radius:30px;
  padding:28px;
  box-shadow:0 30px 80px rgba(0,0,0,.30);
}
.badge{
  display:inline-flex;
  padding:7px 11px;
  border-radius:999px;
  background:#ecfdf5;
  color:#047857;
  font-size:12px;
  font-weight:900;
  margin-bottom:12px;
}
.hero-card h3{font-size:28px;margin:0 0 12px;color:var(--navy)}

.section{padding:82px 0}
.section.white{background:#fff}
.section.dark{
  background:linear-gradient(135deg,#082033,#0f766e);
  color:#fff;
}
.section-title{
  font-size:clamp(30px,3.4vw,44px);
  line-height:1.15;
  margin:0 0 12px;
  color:var(--navy);
  letter-spacing:-.6px;
}
.section.dark .section-title{color:#fff}
.section-subtitle{
  max-width:940px;
  color:var(--muted);
  font-size:17px;
  margin:0 0 34px;
}
.section.dark .section-subtitle{color:#d9fff8}
.center{text-align:center}
.center .section-subtitle{margin-left:auto;margin-right:auto}

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

.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:26px;
  box-shadow:var(--shadow);
  transition:.25s ease;
}
.card:hover{
  transform:translateY(-5px);
  box-shadow:0 22px 60px rgba(10,70,55,.18);
}
.section.dark .card{
  background:rgba(255,255,255,.08);
  border-color:rgba(255,255,255,.16);
  box-shadow:none;
}
.card h3{margin:0 0 10px;color:var(--navy);font-size:22px}
.section.dark .card h3{color:#fff}
.card p{margin:0;color:#475467}
.section.dark .card p{color:#d9fff8}

.icon{
  width:56px;
  height:56px;
  border-radius:18px;
  display:grid;
  place-items:center;
  background:#ecfdf5;
  color:#047857;
  font-size:25px;
  margin-bottom:14px;
}
.checklist{padding:0;margin:14px 0 0;list-style:none}
.checklist li{
  padding:10px 0 10px 30px;
  border-top:1px dashed #cfe8df;
  position:relative;
  color:#334155;
}
.section.dark .checklist li{color:#d9fff8;border-color:rgba(255,255,255,.22)}
.checklist li:before{
  content:"✓";
  position:absolute;
  left:0;
  top:10px;
  width:20px;
  height:20px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#dcfce7;
  color:#15803d;
  font-size:13px;
  font-weight:900;
}

.notice{
  border-left:5px solid var(--yellow);
  background:#fff8dd;
  padding:20px;
  border-radius:18px;
  color:#4b3b09;
  text-align:left;
}
.process{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:14px;
}
.step{
  background:#fff;
  border:1px solid var(--line);
  border-radius:20px;
  padding:22px;
  box-shadow:var(--shadow);
}
.step b{
  width:42px;
  height:42px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#0f766e;
  color:#fff;
  margin-bottom:12px;
}
.step h3{margin:0 0 8px;color:var(--navy)}
.step p{margin:0;color:#475467}

.story{
  background:linear-gradient(135deg,#ffffff,#ecfdf5);
  border:1px solid var(--line);
  border-radius:30px;
  padding:34px;
  box-shadow:var(--shadow);
}
.faq p{
  padding:16px 0;
  border-top:1px dashed #cfe8df;
  margin:0;
}
.cta{
  background:linear-gradient(135deg,#fff,#ecfdf5);
  border:1px solid var(--line);
  border-radius:32px;
  padding:46px;
  text-align:center;
  box-shadow:var(--shadow);
}
.footer{
  background:#061722;
  color:#ccfbf1;
  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,.process{grid-template-columns:1fr}
  .hero-points{grid-template-columns:1fr}
  .nav{align-items:flex-start;flex-direction:column;padding:12px 0}
  .navlinks{width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:6px}
  .section{padding:58px 0}
  .hero{padding:58px 0 46px}
}
@media(max-width:560px){
  .wrap{width:min(100% - 28px,1180px)}
  .navlinks a:not(.btn){display:none}
  .btn{width:100%}
  .hero-actions .btn{width:100%}
  .hero-card{padding:22px;border-radius:24px}
  .cta,.story{padding:26px}
  .float-wa{left:14px;right:14px;text-align:center}
}