*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1e3a5f;
  --navy-light: #2d4f7c;
  --blue: #2563eb;
  --blue-hover: #1d4ed8;
  --bg: #f8fafc;
  --card: #ffffff;
  --text: #1e293b;
  --muted: #64748b;
  --border: #e2e8f0;
  --green: #059669;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

header {
  background: var(--card);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 4rem;
}

.logo {
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--navy);
  text-decoration: none;
}

.logo span { color: var(--blue); }

.nav-actions {
  display: flex;
  gap: 0.75rem;
  align-items: center;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.625rem 1.25rem;
  border-radius: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 500;
  text-decoration: none;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  cursor: pointer;
  border: none;
}

.btn-ghost {
  color: var(--navy);
  background: transparent;
  border: 1px solid var(--border);
}

.btn-ghost:hover {
  background: var(--bg);
  border-color: var(--muted);
}

.btn-primary {
  background: var(--blue);
  color: #fff;
}

.btn-primary:hover { background: var(--blue-hover); }

.btn-lg {
  padding: 0.875rem 1.75rem;
  font-size: 1rem;
}

.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 5rem 0 6rem;
}

.hero-grid {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 768px) {
  .hero-grid { grid-template-columns: 1fr 1fr; }
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 2rem;
  padding: 0.375rem 0.875rem;
  font-size: 0.8125rem;
  font-weight: 500;
  margin-bottom: 1.25rem;
}

.hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1rem;
}

.hero-lead {
  font-size: 1.0625rem;
  opacity: 0.9;
  margin-bottom: 2rem;
  max-width: 32rem;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.hero-cta .btn-primary {
  background: #fff;
  color: var(--navy);
}

.hero-cta .btn-primary:hover {
  background: #f1f5f9;
}

.hero-cta .btn-outline {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,0.4);
}

.hero-cta .btn-outline:hover {
  background: rgba(255,255,255,0.1);
}

.hero-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 1rem;
  padding: 1.75rem;
  backdrop-filter: blur(8px);
}

.hero-stat {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.hero-stat:last-child { border-bottom: none; }

.hero-stat-icon {
  width: 2.5rem;
  height: 2.5rem;
  background: rgba(37, 99, 235, 0.4);
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.125rem;
  flex-shrink: 0;
}

.hero-stat strong {
  display: block;
  font-size: 0.9375rem;
  margin-bottom: 0.125rem;
}

.hero-stat span {
  font-size: 0.8125rem;
  opacity: 0.75;
}

section { padding: 4.5rem 0; }

.section-title {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin-bottom: 0.5rem;
}

.section-title-left {
  text-align: left;
  margin-bottom: 1.25rem;
}

.section-sub {
  text-align: center;
  color: var(--muted);
  max-width: 36rem;
  margin: 0 auto 2.5rem;
}

.cards {
  display: grid;
  gap: 1.25rem;
}

@media (min-width: 640px) {
  .cards-3 { grid-template-columns: repeat(3, 1fr); }
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 900px) {
  .cards-4 { grid-template-columns: repeat(4, 1fr); }
}

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 0.75rem;
  padding: 1.5rem;
}

.card-icon {
  width: 2.75rem;
  height: 2.75rem;
  background: #eff6ff;
  color: var(--blue);
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

.card h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--navy);
}

.card p {
  font-size: 0.9375rem;
  color: var(--muted);
}

.steps { counter-reset: step; }

.step {
  position: relative;
  padding-left: 3.5rem;
}

.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0;
  top: 0;
  width: 2.25rem;
  height: 2.25rem;
  background: var(--blue);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9375rem;
}

.step h3 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.375rem;
  color: var(--navy);
}

.step p {
  font-size: 0.9375rem;
  color: var(--muted);
}

.two-col {
  display: grid;
  gap: 2rem;
  align-items: start;
}

@media (min-width: 768px) {
  .two-col { grid-template-columns: 1fr 1fr; }
}

.check-list {
  list-style: none;
}

.check-list li {
  padding: 0.625rem 0;
  padding-left: 1.75rem;
  position: relative;
  font-size: 0.9375rem;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
}

.section-muted {
  background: var(--card);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.cta-block {
  background: var(--navy);
  color: #fff;
  border-radius: 1rem;
  padding: 3rem 2rem;
  text-align: center;
}

.cta-block h2 {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.cta-block p {
  opacity: 0.85;
  margin-bottom: 1.75rem;
  max-width: 28rem;
  margin-left: auto;
  margin-right: auto;
}

.cta-block .btn-light {
  background: #fff;
  color: var(--navy);
}

.cta-note {
  margin-top: 1.25rem;
  font-size: 0.8125rem;
  opacity: 0.65;
}

.cta-note a {
  color: #93c5fd;
  text-decoration: none;
}

.cta-note a:hover { text-decoration: underline; }

footer {
  background: var(--card);
  border-top: 1px solid var(--border);
  padding: 2rem 0;
  font-size: 0.875rem;
  color: var(--muted);
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
}

footer a {
  color: var(--blue);
  text-decoration: none;
}

footer a:hover { text-decoration: underline; }