:root{
  --navy:#0C1A2E;--navy2:#12233C;--blue:#2F6BEB;--blue-dk:#2453C4;--blend:#173463;
  --ink:#1B2436;--body:#41506A;--muted:#6B7A93;--line:#E3E9F2;--soft:#F5F8FC;--ok:#12A87B;
  --serif:'Lora',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --wrap:1180px;--radius:14px;--shadow:0 1px 2px rgba(12,26,46,.04),0 8px 28px rgba(12,26,46,.07);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--body);background:#fff;line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.18;font-weight:600}
h1{font-size:clamp(2rem,4.3vw,3.25rem);letter-spacing:-.5px}
h2{font-size:clamp(1.55rem,2.9vw,2.2rem);letter-spacing:-.3px}
h3{font-size:1.14rem}
a{color:var(--blue);text-decoration:none}
p{margin-bottom:1rem}
.eyebrow{font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--blue);margin-bottom:.7rem}
.lead{font-size:1.12rem}
section{padding:78px 0;border-top:1px solid var(--line)}
section.alt{background:var(--soft)}
section.first{border-top:none}
.sec-head{max-width:780px;margin-bottom:40px}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:12px 24px;border-radius:9px;font-weight:600;font-size:.94rem;border:none;cursor:pointer;font-family:var(--sans);transition:.15s}
.btn:hover{background:var(--blue-dk)}
.btn.ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn.ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn.lg{padding:15px 32px;font-size:1rem}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:26px;height:76px;position:relative}
.brand{display:flex;align-items:center;gap:11px;flex:0 0 auto}
.brand .n1{font-family:var(--serif);font-weight:700;font-size:1.3rem;color:var(--ink);letter-spacing:.5px;line-height:1}
.brand .n2{font-family:var(--serif);font-size:.58rem;font-weight:600;letter-spacing:.34em;color:var(--blue);display:block;margin-top:3px}
.menu{display:flex;align-items:center;gap:22px;flex:1;flex-wrap:nowrap}
.menu > a,.drop > .dt{font-size:.92rem;white-space:nowrap;font-weight:500;color:var(--ink);cursor:pointer;padding:26px 0;display:inline-block;border-bottom:2px solid transparent}
.menu > a:hover,.drop.open > .dt{color:var(--blue)}
.menu > a.on{color:var(--blue);border-bottom-color:var(--blue)}
.drop{position:static}
.drop > .dt .car{display:inline-block;margin-left:5px;font-size:.62rem;vertical-align:2px;color:var(--muted);transition:.18s}
.drop.open > .dt .car{color:var(--blue);transform:rotate(180deg)}
.panel{position:absolute;top:100%;left:0;right:0;margin:0 auto;max-width:760px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 50px rgba(12,26,46,.16);padding:14px;display:flex;gap:10px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:.16s;z-index:90}
.drop.open .panel{opacity:1;visibility:visible;transform:translateY(0)}
.panel a{flex:1;display:flex;flex-direction:column;gap:9px;align-items:flex-start;padding:18px 16px;border-radius:11px;color:var(--ink);transition:.13s;border:1px solid transparent}
.panel a:hover{background:var(--soft);border-color:var(--line)}
.panel .ic{flex:0 0 auto;width:34px;height:34px;border-radius:9px;background:#EAF1FE;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;color:var(--blue);font-size:.9rem}
.panel .tt{display:block;font-weight:600;font-size:.94rem;color:var(--ink);line-height:1.3}
.panel .ds{display:block;font-size:.81rem;color:var(--muted);line-height:1.45;margin-top:3px}
.navcta{flex:0 0 auto}
.burger{display:none;background:none;border:none;cursor:pointer;padding:8px;margin-left:auto}
.burger span{display:block;width:23px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}

/* ---------- hero ---------- */
.hero{padding:88px 0 76px;background:radial-gradient(1100px 460px at 88% -10%,rgba(47,107,235,.11),transparent 62%),linear-gradient(180deg,#fff 0%,var(--soft) 100%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{margin-bottom:20px}.hero h1 .hl{color:var(--blue)}
.hero .lead{font-size:1.2rem;max-width:620px;margin-bottom:28px}
.hero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-bottom:26px}
.trustline{display:flex;gap:26px;flex-wrap:wrap;font-size:.87rem;color:var(--muted)}
.trustline b{color:var(--ink)}
.pagehead{padding:64px 0 52px;background:linear-gradient(180deg,#fff,var(--soft))}
.pagehead .lead{max-width:720px;color:var(--body)}

/* ---------- cards ---------- */
.stat-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:8px 26px;box-shadow:var(--shadow)}
.stat-row{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;padding:17px 0;border-bottom:1px solid var(--line)}
.stat-row:last-child{border-bottom:none}
.stat-row .k{font-size:.86rem;color:var(--muted);padding-top:5px}
.stat-row .k .sub{display:block;font-size:.72rem;color:#93A2B8;margin-top:4px;line-height:1.4;max-width:190px}
.stat-row .v{font-family:var(--serif);font-size:1.5rem;font-weight:700;color:var(--ink);text-align:right;white-space:nowrap}
.stat-row .v.b{color:var(--blue)}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card h3{margin-bottom:9px}.card p{font-size:.95rem;margin-bottom:0}
.card .ic{width:40px;height:40px;border-radius:10px;background:#EAF1FE;display:flex;align-items:center;justify-content:center;margin-bottom:15px;font-family:var(--serif);font-weight:700;color:var(--blue)}
.card.dark{background:var(--navy);border-color:var(--navy)}
.card.dark h3{color:#fff}.card.dark p{color:#B9C6DA}

/* ---------- accordion ---------- */
.acc{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:12px;overflow:hidden}
.acc summary{padding:20px 24px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:18px}
.acc summary::-webkit-details-marker{display:none}
.acc summary:hover{background:var(--soft)}
.acc .st{display:block;font-family:var(--serif);font-size:1.08rem;font-weight:600;color:var(--ink);line-height:1.3}
.acc .sd{display:block;font-size:.87rem;color:var(--muted);margin-top:4px;line-height:1.5}
.acc .plus{flex:0 0 26px;height:26px;border-radius:50%;border:1.5px solid var(--line);position:relative;transition:.18s}
.acc .plus::before,.acc .plus::after{content:'';position:absolute;background:var(--blue);border-radius:2px;transition:.18s}
.acc .plus::before{width:11px;height:1.8px;top:11.1px;left:6.5px}
.acc .plus::after{width:1.8px;height:11px;left:11.1px;top:6.5px}
.acc[open] .plus{background:var(--blue);border-color:var(--blue)}
.acc[open] .plus::before{background:#fff}
.acc[open] .plus::after{transform:rotate(90deg);opacity:0}
.acc .body{padding:0 24px 24px;font-size:.96rem}
.acc .body p:last-child{margin-bottom:0}
.acc .body ul{margin:8px 0 12px 18px}.acc .body li{margin-bottom:7px}

/* ---------- misc ---------- */
.prod{display:flex;gap:16px;padding:22px 0;border-bottom:1px solid var(--line)}
.prod:last-child{border-bottom:none}
.prod .tag{flex:0 0 152px;font-family:var(--serif);font-weight:700;color:var(--ink);font-size:1.04rem}
.prod .desc{flex:1;font-size:.95rem}
.prod .meta{flex:0 0 178px;text-align:right;font-size:.83rem;color:var(--muted)}
.steps{counter-reset:s}
.step{display:flex;gap:20px;padding:20px 0;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:none}
.step .num{flex:0 0 42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700}
.step h3{margin-bottom:5px}.step p{font-size:.95rem;margin:0}
.band{background:var(--navy);color:#fff;border:none}
.band h2{color:#fff}.band .sub{color:#9FB2CC;max-width:720px}
.note{background:var(--soft);border-left:3px solid var(--blue);border-radius:0 9px 9px 0;padding:14px 18px;font-size:.94rem;color:#3a475c;margin:14px 0}
.cta{background:var(--navy);color:#fff;border:none;text-align:center}
.cta h2{color:#fff;margin-bottom:10px}
.cta p{color:#9FB2CC;max-width:560px;margin:0 auto 24px}
.two{display:flex;gap:22px}.two>div{flex:1}

/* ---------- footer ---------- */
footer{background:var(--navy);color:#93A5BF;padding:58px 0 28px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:38px}
footer h4{color:#fff;font-family:var(--sans);font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;margin-bottom:14px;font-weight:700}
footer a{color:#93A5BF;display:block;margin-bottom:9px;font-size:.92rem}
footer a:hover{color:#fff}
.fbrand .n1{font-family:var(--serif);color:#fff;font-size:1.3rem;font-weight:700;letter-spacing:.5px}
.fbrand p{font-size:.9rem;color:#7F92AD;margin-top:12px;max-width:330px}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.78rem;color:#6F82A0;line-height:1.7}
.legal p{margin-bottom:9px}


@media(max-width:1120px){
  .nav{gap:18px}
  .menu{gap:15px}
  .menu > a,.drop > .dt{font-size:.86rem}
  .brand .n1{font-size:1.16rem}
  .brand .n2{font-size:.52rem;letter-spacing:.28em}
  .brand svg{width:31px;height:31px}
}
@media(max-width:900px){
  .nav{gap:13px}
  .menu{gap:11px}
  .menu > a,.drop > .dt{font-size:.79rem}
  .brand .n1{font-size:1.04rem}
  .brand .n2{display:none}
  .brand svg{width:28px;height:28px}
  .panel{max-width:96vw}
  .panel a{padding:14px 12px}
}
@media(max-width:720px){
  .hero-grid{grid-template-columns:1fr}
  .g3,.g4,.fgrid,.two{grid-template-columns:1fr 1fr}
  .two{flex-direction:column}
  .menu{display:none}
  .menu.open{display:flex;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 26px;gap:0;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .menu.open > a,.menu.open .drop > .dt{padding:13px 0;width:100%}
  .menu.open .drop.open .panel{position:static;opacity:1;visibility:visible;transform:none;width:100%;flex-direction:column;box-shadow:none;border:none;padding:0 0 10px 6px;gap:4px}
  .menu.open .panel{position:static;width:100%;flex-direction:column}
  .burger{display:block}
  .nav{position:relative}
}
@media(max-width:640px){
  section{padding:56px 0}
  .g2,.g3,.g4,.fgrid{grid-template-columns:1fr}
  .prod{flex-direction:column;gap:6px}.prod .meta{text-align:left}
}