:root{--ink:#0b1b3a;--ink2:#14284f;--bg:#f6f9fe;--card:#fff;--line:#d3def0;--txt:#26324d;--muted:#56627d;--a:#2563eb;--b:#22d3ee;--hot:#ff7a1a;--r:18px;--sh:0 10px 28px rgba(11,27,58,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--txt);background:var(--bg);-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img,svg{max-width:100%}
.wrap{width:min(1160px,92%);margin:0 auto}.narrow>p,.narrow>h1,.narrow>h2,.narrow>.actions{max-width:820px}.center.narrow>*{margin-left:auto;margin-right:auto}.center{text-align:center}
h1,h2,h3{color:var(--ink);line-height:1.2;margin:0 0 .5em;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:clamp(2.1rem,5.2vw,3.6rem);font-weight:800}h2{font-size:clamp(1.7rem,3.6vw,2.4rem);font-weight:800}h3{font-size:1.1rem}
em{font-style:normal;background:linear-gradient(90deg,#1d4ed8,#0e7490);-webkit-background-clip:text;background-clip:text;color:transparent}
.kicker{display:inline-block;font-size:.84rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--a);margin:0 0 .8rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}.muted{color:var(--muted)}footer .muted{color:#c4d2ee}.cgrid>div:first-child{align-self:start}
.top{position:sticky;top:0;z-index:50;background:rgba(246,249,254,.82);backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:1.4rem;height:68px}.brand{display:flex;align-items:center;gap:.6rem;font-weight:800;color:var(--ink);font-size:1.12rem}
nav{display:flex;gap:1.3rem;margin-left:auto;font-weight:600;font-size:.95rem}nav a{color:var(--txt);padding:.3rem 0;border-bottom:2px solid transparent}nav a:hover{border-color:var(--b)}
.burger{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer}.burger i{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.9rem 1.5rem;border-radius:999px;font-weight:700;border:0;cursor:pointer;color:#fff;background:linear-gradient(135deg,var(--a),#1d4ed8);box-shadow:0 8px 20px rgba(37,99,235,.3);transition:.2s transform,.2s box-shadow;font-size:1rem}
.btn:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(37,99,235,.38)}.btn.sm{padding:.55rem 1.05rem;font-size:.9rem}.btn.full{width:100%}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 2px var(--ink)}.btn.ghost.dk{margin-top:1rem}.dark .btn.ghost{color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.6)}
.actions{display:flex;flex-wrap:wrap;gap:.9rem;margin:1.6rem 0}.actions.c{justify-content:center}
.hero{position:relative;padding:4.2rem 0 3.6rem;background:radial-gradient(900px 400px at 85% -10%,rgba(34,211,238,.28),transparent 60%),radial-gradient(700px 400px at -10% 10%,rgba(37,99,235,.18),transparent 60%),var(--bg)}
.hgrid{display:grid;grid-template-columns:1.25fr .75fr;gap:3rem;align-items:center}
.chips{list-style:none;padding:0;margin:1.2rem 0 0;display:flex;flex-wrap:wrap;gap:.6rem}.chips li{padding:.4rem .85rem;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:.86rem;font-weight:600;color:var(--ink2)}
.panel{background:rgba(255,255,255,.85);border:1px solid var(--line);border-radius:24px;padding:1.8rem;box-shadow:var(--sh)}.panel h2{font-size:1.4rem}
.divs{display:grid;gap:.7rem;margin-top:1.2rem}.divs a{display:flex;justify-content:space-between;align-items:center;padding:.9rem 1.1rem;border:1.5px solid var(--line);border-radius:14px;font-weight:700;color:var(--ink);background:#fff;transition:.2s}.divs a:hover{border-color:var(--a);transform:translateX(3px)}.divs span{padding-right:.8rem}.divs small{display:block;font-weight:500;color:var(--muted);font-size:.82rem}.divs i{font-style:normal;color:var(--a);font-size:1.2rem}
.sec{padding:4rem 0}.sec.alt{background:#eef3fc}.sec.dark{background:linear-gradient(160deg,var(--ink),#13306b);color:#dce7ff}.dark h2,.dark h3{color:#fff}.dark .lead{color:#d3def5}.dark .kicker{color:var(--b)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:1.2rem;margin-top:2rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.5rem;box-shadow:var(--sh);transition:.25s transform,.25s box-shadow}.card:hover{transform:translateY(-4px);box-shadow:0 18px 36px rgba(11,27,58,.12)}
.card h3{min-height:2.4em;display:flex;align-items:flex-start}.tt h3{min-height:2.4em}.card p{margin:.2rem 0 0;color:var(--muted);font-size:.96rem}.ic{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;color:#fff;background:linear-gradient(135deg,var(--a),var(--b));margin-bottom:1rem}
.steps{list-style:none;padding:0;margin:2rem 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.2rem;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem}.steps span{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;margin-bottom:.8rem}.steps p{margin:0;color:var(--muted);font-size:.95rem}
.ttgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem;margin-top:2rem}
.tt{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:1.4rem}.tt p{margin:0;color:#d3def5;font-size:.95rem}
.ttgrid.light .tt{background:#fff;border-color:var(--line);box-shadow:var(--sh)}.ttgrid.light .tt h3{color:var(--ink)}.ttgrid.light .tt p{color:var(--muted)}
.chipsrow{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.6rem}.chip{padding:.55rem 1.1rem;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:600;color:var(--ink2);box-shadow:var(--sh)}
details{max-width:none;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1rem 1.3rem;margin:.8rem 0}summary{cursor:pointer;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between}summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--a)}details[open] summary::after{content:"\2013"}details p{margin:.7rem 0 0;color:var(--muted)}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}.cgrid .clist{max-width:460px}.clist{list-style:none;padding:0;margin:1.2rem 0}.clist li{display:flex;flex-direction:column;padding:.8rem 0;border-bottom:1px solid var(--line)}.clist b{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:1.8rem;box-shadow:var(--sh)}.form label{display:block;font-weight:600;font-size:.9rem;margin-bottom:1rem;color:var(--ink)}
.form input::placeholder,.form textarea::placeholder{color:#8794b0}.form input,.form select,.form textarea{display:block;width:100%;margin-top:.35rem;padding:.8rem .95rem;border:1.5px solid var(--line);border-radius:12px;font:inherit;background:#f9fbff}.form input:focus,.form select:focus,.form textarea:focus{outline:0;border-color:var(--a);box-shadow:0 0 0 4px rgba(37,99,235,.14)}
html,body{min-height:100%}body{display:flex;flex-direction:column;min-height:100vh}main{flex:1}footer{background:var(--ink);color:#d3def5;padding:3.4rem 0 1.4rem}footer .brand{color:#fff}.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2.4rem}.fgrid b{display:block;color:#fff;margin-bottom:.6rem}.fgrid a{display:block;padding:.15rem 0}.fgrid a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:2.4rem;padding-top:1.2rem;font-size:.84rem;color:#c4d2ee;text-wrap:balance}
@media (max-width:860px){.ttgrid{grid-template-columns:1fr 1fr}.actions .btn{flex:1 1 100%}.card h3,.tt h3{min-height:0}.hgrid,.cgrid,.fgrid{grid-template-columns:1fr}.top nav,.top .btn.sm{display:none}.burger{display:block}
body.nav .top nav{display:flex;position:absolute;left:0;right:0;top:68px;flex-direction:column;background:#fff;padding:1rem 4%;border-bottom:1px solid var(--line);gap:.2rem}.hero{padding:3.2rem 0}.sec{padding:3.2rem 0}}
@media (max-width:560px){.ttgrid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}