:root {
  --navy: #10243e; --navy-2: #16324f; --blue: #1660a8; --blue-2: #1e78c8;
  --amber: #f0a92e; --amber-2: #ffc25c;
  --ink: #1c2733; --muted: #5b6b7c; --line: #dfe6ee;
  --bg: #f6f9fc; --card: #ffffff;
  --radius: 12px; --shadow: 0 2px 14px rgba(16, 36, 62, .08);
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  color: var(--ink); background: var(--bg); line-height: 1.65; font-size: 16.5px; }
img { max-width: 100%; }
a { color: var(--blue); }
h1, h2, h3 { line-height: 1.25; color: var(--navy); font-weight: 700; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 22px; }

/* header */
.topbar { background: var(--navy); color: #cfe0f2; font-size: .86rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; padding: 7px 22px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
header.site { background: #fff; border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50; }
header.site .wrap { display: flex; align-items: center; gap: 26px; padding: 14px 22px; }
.logo img { height: 52px; display: block; }
nav.main { margin-left: auto; display: flex; align-items: center; gap: 24px; }
nav.main a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: .95rem; }
nav.main a:hover, nav.main a.on { color: var(--blue); }
.btn { display: inline-block; background: var(--amber); color: var(--navy);
  font-weight: 700; text-decoration: none; padding: .72rem 1.4rem;
  border-radius: 8px; transition: filter .15s; }
.btn:hover { filter: brightness(1.06); }
.btn.blue { background: var(--blue); color: #fff; }
.btn.ghost { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.7); }
.btn.big { padding: .9rem 1.8rem; font-size: 1.05rem; }
#navtoggle, label.burger { display: none; }

/* hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 55%, var(--blue) 100%);
  color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ''; position: absolute; right: -140px; top: -180px; width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(240,169,46,.35) 0%, rgba(240,169,46,0) 65%); }
.hero .wrap { padding: 84px 22px 92px; position: relative; z-index: 1; max-width: 880px; }
.hero .kicker { color: var(--amber-2); font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; font-size: .85rem; margin-bottom: 14px; }
.hero h1 { color: #fff; font-size: clamp(1.9rem, 4.4vw, 3rem); margin-bottom: 18px; }
.hero p { color: #d6e4f2; font-size: 1.12rem; max-width: 620px; margin-bottom: 30px; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero.small .wrap { padding: 56px 22px 60px; }

/* sections */
section.band { padding: 64px 0; }
section.band.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sechead { max-width: 640px; margin-bottom: 38px; }
.sechead .kicker { color: var(--blue); font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; font-size: .82rem; }
.sechead h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin: 6px 0 10px; }
.sechead p { color: var(--muted); }
.grid { display: grid; gap: 22px; }
.grid.c3 { grid-template-columns: repeat(3, 1fr); }
.grid.c2 { grid-template-columns: repeat(2, 1fr); }
.grid.c4 { grid-template-columns: repeat(4, 1fr); }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow); }
.card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .96rem; }
.card .num { display: inline-flex; width: 40px; height: 40px; border-radius: 10px;
  background: #eaf2fb; color: var(--blue); font-weight: 800; align-items: center;
  justify-content: center; margin-bottom: 14px; }
.card.action { border-top: 4px solid var(--amber); }
.card.action a.more { font-weight: 700; text-decoration: none; }
.icon { width: 42px; height: 42px; border-radius: 10px; background: #eaf2fb;
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
  color: var(--blue); font-size: 1.3rem; }

/* cta banner */
.cta { background: var(--amber); }
.cta .wrap { display: flex; align-items: center; justify-content: space-between;
  gap: 18px; padding: 34px 22px; flex-wrap: wrap; }
.cta h2 { font-size: 1.4rem; }
.cta p { color: #5a4310; }

/* faq */
details.faq { background: #fff; border: 1px solid var(--line); border-radius: 10px;
  margin-bottom: 12px; box-shadow: var(--shadow); }
details.faq summary { cursor: pointer; font-weight: 700; color: var(--navy);
  padding: 18px 22px; list-style: none; position: relative; padding-right: 46px; }
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after { content: '+'; position: absolute; right: 20px; top: 50%;
  transform: translateY(-50%); color: var(--blue); font-size: 1.4rem; font-weight: 400; }
details.faq[open] summary::after { content: '\2013'; }
details.faq .a { padding: 0 22px 18px; color: var(--muted); }

/* prose (legal pages) */
.prose { max-width: 760px; }
.prose h2 { font-size: 1.25rem; margin: 30px 0 10px; }
.prose p, .prose li { color: #33414f; margin-bottom: 12px; }
.prose ul { padding-left: 22px; }
.prose .updated { color: var(--muted); font-size: .9rem; margin-bottom: 22px; }

/* contact */
.contactgrid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 30px; align-items: start; }
.infocard p { margin-bottom: 14px; }
.infocard strong { color: var(--navy); }

/* footer */
footer.site { background: var(--navy); color: #b9c9da; margin-top: 70px; font-size: .93rem; }
footer.site .wrap { padding: 52px 22px 20px; }
footer.site .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 34px; margin-bottom: 34px; }
footer.site h4 { color: #fff; font-size: .95rem; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .05em; }
footer.site a { color: #d7e4f0; text-decoration: none; }
footer.site a:hover { color: var(--amber-2); }
footer.site ul { list-style: none; }
footer.site li { margin-bottom: 8px; }
footer.site .legal { border-top: 1px solid rgba(255,255,255,.14); padding-top: 18px;
  font-size: .84rem; color: #93a7bb; }
footer.site .legal .mini { margin-bottom: 8px; }
footer.site img { height: 46px; margin-bottom: 14px; }

@media (max-width: 900px) {
  .grid.c3, .grid.c4 { grid-template-columns: 1fr 1fr; }
  .contactgrid { grid-template-columns: 1fr; }
  footer.site .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .grid.c2, .grid.c3, .grid.c4 { grid-template-columns: 1fr; }
  label.burger { display: block; margin-left: auto; font-size: 1.7rem; color: var(--navy); cursor: pointer; }
  nav.main { display: none; }
  #navtoggle:checked ~ nav.main { display: flex; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; flex-direction: column; align-items: stretch; padding: 12px 22px 20px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow); gap: 14px; }
  nav.main .btn { text-align: center; }
}