:root {
  --navy:#0A2540;
  --red:#BC002D;
  --gold:#D4AF37;
  --charcoal:#111827;
  --teal:#177577;
  --gray:#F5F7FA;
  --white:#fff;
  --text:#172033;
  --muted:#64748b;
  --border:#e5e7eb;
  --soft-red:#fff1f3;
  --soft-teal:#e9f8f7;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--text);background:white;line-height:1.65}
a{color:inherit;text-decoration:none}
.container{width:min(1220px,92%);margin:auto}
.topbar{background:var(--charcoal);color:white;font-size:.92rem;padding:.45rem 0}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--border);z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{font-weight:950;font-size:1.25rem;color:var(--navy);letter-spacing:-.02em}
.logo span{color:var(--red)}
.menu{display:flex;align-items:center;gap:14px}
.menu a{font-weight:850;font-size:.92rem}
.hamb{display:none;background:var(--navy);color:white;border:0;border-radius:10px;padding:10px 12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--red);color:white;padding:12px 18px;border-radius:999px;font-weight:950;border:0;cursor:pointer;box-shadow:0 12px 28px rgba(188,0,45,.18)}
.btn.secondary{background:white;color:var(--navy);border:1px solid var(--border);box-shadow:none}
.btn.dark{background:var(--navy);color:white}
.btn.gold{background:var(--gold);color:var(--navy)}
.hero{padding:84px 0 64px;background:radial-gradient(circle at 12% 10%,rgba(188,0,45,.12),transparent 25%),radial-gradient(circle at 85% 14%,rgba(212,175,55,.13),transparent 32%),linear-gradient(135deg,#fff,#fff 54%,#fff5f6)}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:center}
.eyebrow{color:var(--red);font-weight:950;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
h1{font-size:clamp(2.35rem,5vw,5.05rem);line-height:1.02;color:var(--navy);margin:12px 0}
h2{font-size:clamp(1.75rem,3vw,2.7rem);line-height:1.15;color:var(--navy);margin:0 0 12px}
h3{color:var(--navy)}
.lead{font-size:1.15rem;color:#475569;max-width:840px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero-card,.card{background:white;border:1px solid var(--border);border-radius:24px;padding:24px;box-shadow:0 14px 36px rgba(10,37,64,.07)}
.hero-card{border-radius:32px;padding:30px;box-shadow:0 28px 80px rgba(10,37,64,.14)}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.stat{padding:18px;border-radius:18px;background:var(--gray)}
.stat strong{display:block;color:var(--red);font-size:1.5rem}
section{padding:72px 0}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:22px;flex-wrap:wrap;margin-bottom:28px}
.section-head p{max-width:700px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.grid.four{grid-template-columns:repeat(4,1fr)}
.card:hover{transform:translateY(-3px);transition:.2s}
.badge{display:inline-block;background:var(--soft-red);color:var(--red);font-weight:950;font-size:.8rem;padding:6px 10px;border-radius:999px}
.teal-badge{background:var(--soft-teal);color:var(--teal)}
.gold-badge{background:#fff8df;color:#705800}
.muted{color:var(--muted)}
.highlight{background:linear-gradient(135deg,var(--navy),var(--charcoal));color:white;border-radius:32px;padding:42px}
.highlight h2,.highlight h3{color:white}
.list{padding-left:20px}
.list li{margin:8px 0}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:14px;font:inherit}
.form{display:grid;gap:14px}
.result{background:#fff5f6;border:1px solid #fecdd3;border-radius:16px;padding:16px;margin-top:12px;font-weight:850;color:var(--navy)}
.faq details{border:1px solid var(--border);border-radius:16px;background:white;padding:16px 18px;margin-bottom:12px}
summary{font-weight:950;color:var(--navy);cursor:pointer}
.timeline{display:grid;gap:14px}
.timeline-item{display:grid;grid-template-columns:140px 1fr;gap:18px;background:white;border:1px solid var(--border);border-radius:20px;padding:20px}
.timeline-item strong{color:var(--red);font-size:1.2rem}
footer{background:var(--navy);color:white;padding:54px 0 26px}
footer .grid{grid-template-columns:2fr 1fr 1fr 1.4fr}
footer a,footer p{color:#dbeafe}
.foot-bottom{border-top:1px solid rgba(255,255,255,.16);padding-top:18px;margin-top:28px;color:#dbeafe}
.float-wa{position:fixed;right:18px;bottom:18px;background:#25D366;color:white;padding:13px 18px;border-radius:999px;font-weight:950;z-index:30;box-shadow:0 12px 30px rgba(0,0,0,.22)}
@media(max-width:1040px){
  .hero-grid,.grid,.grid.two,.grid.four,.stat-grid,footer .grid{grid-template-columns:1fr}
  .timeline-item{grid-template-columns:1fr}
  .menu{display:none;position:absolute;left:4%;right:4%;top:72px;background:white;border:1px solid var(--border);border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.12);padding:18px;flex-direction:column;align-items:flex-start}
  .menu.open{display:flex}
  .hamb{display:block}
  section{padding:50px 0}
}