:root{
  --bg:#ffffff;
  --text:#111827;           /* near-black */
  --muted:#4b5563;          /* slate */
  --line:#e5e7eb;           /* light gray */
  --navy:#0F1C2E;
  --charcoal:#2A2F36;
  --accent:#2F80ED;
  --accent2:#00A3A3;
  --card:#f8fafc;
  --shadow: 0 10px 25px rgba(15, 28, 46, .08);
  --radius: 18px;
  --max: 1120px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color:var(--text);
  background:var(--bg);
  line-height:1.5;
}

a{color:inherit; text-decoration:none}
a:hover{color:var(--accent)}
small{color:var(--muted)}

.container{
  max-width:var(--max);
  margin:0 auto;
  padding:0 20px;
}

.header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.92);
  border-bottom:1px solid var(--line);
  backdrop-filter: blur(8px);
}

.header__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  padding:14px 0;
}

.brand{
  display:flex;
  align-items:center;
  gap:10px;
  font-weight:800;
  letter-spacing:-0.02em;
}

.brand__mark{
  width:34px;
  height:34px;
  border-radius:10px;
  background:linear-gradient(135deg, var(--navy), var(--accent));
  box-shadow: var(--shadow);
  display:grid;
  place-items:center;
  color:#fff;
  font-size:14px;
}

.brand__text{
  display:flex;
  flex-direction:column;
  line-height:1.1;
}

.brand__name{font-size:15px}
.brand__tag{font-size:12px; color:var(--muted); font-weight:600}

.nav{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  justify-content:flex-end;
}

.nav__link{
  padding:8px 10px;
  border-radius:12px;
  font-size:14px;
  color:var(--charcoal);
  border:1px solid transparent;
}

.nav__link--active{
  border-color:var(--line);
  background:var(--card);
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:12px 16px;
  border-radius:14px;
  border:1px solid var(--line);
  background:#fff;
  font-weight:700;
  cursor:pointer;
}

.btn--primary{
  background:var(--navy);
  color:#fff;
  border-color:transparent;
  box-shadow: var(--shadow);
}

.btn--primary:hover{color:#fff; opacity:.95}

.btn--ghost{
  background:transparent;
}

.hero{
  padding:54px 0 28px;
}

.hero__grid{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap:28px;
  align-items:start;
}

@media (max-width: 900px){
  .hero__grid{grid-template-columns:1fr; }
}

.kicker{
  display:inline-flex;
  gap:10px;
  align-items:center;
  padding:8px 12px;
  border:1px solid var(--line);
  border-radius:999px;
  background:var(--card);
  color:var(--charcoal);
  font-weight:650;
  font-size:13px;
}

.kicker__dot{
  width:10px; height:10px; border-radius:999px;
  background:var(--accent2);
}

.h1{
  font-size:44px;
  line-height:1.08;
  letter-spacing:-0.03em;
  margin:14px 0 10px;
  color:var(--navy);
}
@media (max-width: 520px){ .h1{font-size:36px} }

.lede{
  font-size:18px;
  color:var(--charcoal);
  margin:0 0 18px;
}

.hero__actions{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin:16px 0 0;
}

.panel{
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
  background:linear-gradient(180deg, #ffffff, #f7fbff);
  box-shadow: var(--shadow);
}

.panel h3{margin:0 0 10px; color:var(--navy)}
.panel p{margin:0; color:var(--charcoal)}
.panel ul{margin:10px 0 0; padding-left:18px; color:var(--charcoal)}

.section{
  padding:34px 0;
}

.section__title{
  font-size:24px;
  margin:0 0 14px;
  color:var(--navy);
  letter-spacing:-0.02em;
}

.grid3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:16px;
}
@media (max-width: 900px){ .grid3{grid-template-columns:1fr} }

.card{
  border:1px solid var(--line);
  border-radius:var(--radius);
  background:#fff;
  padding:18px;
  box-shadow: var(--shadow);
}

.card h3{margin:0 0 8px; color:var(--navy)}
.card p{margin:0; color:var(--charcoal)}
.card a.inline{display:inline-block; margin-top:10px; font-weight:750; color:var(--accent)}

.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
}
@media (max-width: 900px){ .split{grid-template-columns:1fr} }

.quote{
  border-left:4px solid var(--accent);
  padding:12px 14px;
  background:var(--card);
  border-radius:14px;
  color:var(--charcoal);
}

.footer{
  border-top:1px solid var(--line);
  padding:20px 0 36px;
  color:var(--muted);
}

.footer__grid{
  display:grid;
  grid-template-columns: 1.2fr .8fr;
  gap:16px;
}
@media (max-width: 900px){ .footer__grid{grid-template-columns:1fr} }

.fineprint{font-size:12px}
.badge{
  display:inline-flex; align-items:center; gap:8px;
  padding:8px 10px; border-radius:999px;
  border:1px solid var(--line); background:#fff;
  font-size:12px; color:var(--charcoal); font-weight:650;
}

.form{
  display:grid;
  gap:12px;
}
.input{
  width:100%;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid var(--line);
  font-size:15px;
}
.label{font-weight:700; color:var(--navy); font-size:13px}
.help{font-size:12px; color:var(--muted)}