:root{
  --ink:#0d1321;
  --muted:#526276;
  --blue:#0c63df;
  --blue-deep:#073b86;
  --azure:#20a9e8;
  --aqua:#73dce1;
  --gold:#d6b36a;
  --gold-soft:#f2dfb7;
  --paper:#fffdf9;
  --glass:rgba(255,255,255,.82);
  --line:rgba(20,76,145,.14);
  --shadow:0 24px 70px rgba(8,55,126,.14);
  --shadow-soft:0 14px 40px rgba(8,55,126,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  line-height:1.7;
  background:
    radial-gradient(circle at 14% 12%,rgba(115,220,225,.28),transparent 24%),
    radial-gradient(circle at 88% 4%,rgba(32,169,232,.22),transparent 22%),
    linear-gradient(180deg,#eff8ff 0%,#e7f3ff 42%,#f8fbff 100%);
}
body:before{
  content:""; position:fixed; inset:0; pointer-events:none; opacity:.26; z-index:-1;
  background-image:linear-gradient(rgba(255,255,255,.55) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.55) 1px,transparent 1px);
  background-size:46px 46px;
  mask-image:linear-gradient(to bottom,rgba(0,0,0,.65),transparent 72%);
}
a{color:inherit}
.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{
  font-size:.82rem; letter-spacing:.04em; color:#fff;
  background:linear-gradient(90deg,#063678,#0c63df 48%,#20a9e8);
  padding:9px 0; text-align:center;
}
header{
  position:sticky; top:0; z-index:30;
  background:rgba(255,255,255,.88);
  backdrop-filter:blur(20px) saturate(160%);
  border-bottom:1px solid rgba(18,79,160,.10);
  box-shadow:0 10px 35px rgba(5,54,123,.07);
}
.header-inner{min-height:82px;display:flex;align-items:center;gap:28px}
.brand{
  text-decoration:none; white-space:nowrap; color:#0a3979;
  font-family:Georgia,"Times New Roman",serif; font-size:1.6rem; font-weight:700; letter-spacing:-.02em;
}
.brand:after{content:"";display:block;width:42px;height:2px;background:linear-gradient(90deg,var(--gold),transparent);margin-top:4px}
.brand small{
  display:block; font-family:Inter,ui-sans-serif,sans-serif; font-size:.66rem;
  letter-spacing:.16em; text-transform:uppercase; color:#527197; font-weight:800; margin-top:5px;
}
nav{margin-left:auto;display:flex;gap:20px;align-items:center;justify-content:flex-end}
nav>a,.nav-dropdown>button{
  text-decoration:none; color:#111827; font-size:.91rem; font-weight:760;
  background:none;border:0;padding:9px 0;cursor:pointer;font:inherit;
}
nav>a:hover,.nav-dropdown>button:hover{color:var(--blue)}
.nav-dropdown{position:relative}
.nav-dropdown-menu{
  display:none; position:absolute; top:42px; left:50%; transform:translateX(-50%);
  width:270px; padding:12px; background:rgba(255,255,255,.97); border:1px solid var(--line);
  border-radius:18px; box-shadow:var(--shadow-soft);
}
.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown:focus-within .nav-dropdown-menu{display:grid}
.nav-dropdown-menu a{padding:9px 11px;border-radius:11px;text-decoration:none;font-weight:700;font-size:.9rem;color:#1f2a3b}
.nav-dropdown-menu a:hover{background:#edf7ff;color:var(--blue)}
.nav-cta{
  padding:11px 18px!important;border-radius:999px!important;color:white!important;
  background:linear-gradient(110deg,#0b58c5,#159de1 70%,#5bd7df)!important;
  box-shadow:0 12px 28px rgba(12,99,223,.24);border:1px solid rgba(255,255,255,.35)!important;
}
.mobile-menu{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:12px;padding:8px 11px;font-size:1.2rem}
main{padding:58px 0 82px}
section{margin:0 0 74px}
.hero-copy{
  position:relative; overflow:hidden; max-width:none; padding:70px clamp(28px,5vw,68px);
  border-radius:38px; color:var(--ink); border:1px solid rgba(255,255,255,.9);
  background:
    linear-gradient(128deg,rgba(255,255,255,.96) 0 56%,rgba(228,246,255,.78) 56% 100%),
    radial-gradient(circle at 85% 20%,rgba(115,220,225,.30),transparent 30%);
  box-shadow:0 34px 90px rgba(7,59,134,.16);
}
.hero-copy:before{
  content:""; position:absolute; width:360px; height:360px; border:1px solid rgba(214,179,106,.55);
  border-radius:50%; right:-120px; top:-160px; box-shadow:0 0 0 42px rgba(214,179,106,.05),0 0 0 84px rgba(32,169,232,.035);
}
.hero-copy:after{
  content:""; position:absolute; right:55px; bottom:45px; width:160px; height:5px;
  background:linear-gradient(90deg,var(--gold),var(--aqua)); border-radius:99px; opacity:.9;
}
.hero-copy>*{position:relative;z-index:1;max-width:820px}
.eyebrow{
  color:#0b63d7; font-weight:900; letter-spacing:.16em; text-transform:uppercase; font-size:.74rem;
}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.12;margin-top:.2em;color:#0c1322}
h1{font-size:clamp(2.9rem,6.2vw,5.8rem);letter-spacing:-.045em;margin-bottom:.28em;max-width:900px}
h2{font-size:clamp(2rem,4vw,3.25rem);letter-spacing:-.025em}
h3{font-size:1.38rem}
.lead{font-size:1.24rem;color:#405268;max-width:760px}
.actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;text-decoration:none;
  padding:13px 21px;border-radius:999px;font-weight:850;border:1px solid transparent;transition:.18s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn.primary{background:linear-gradient(110deg,#0b58c5,#179fe2);color:#fff;box-shadow:0 14px 30px rgba(12,99,223,.22)}
.btn.ghost{border-color:rgba(7,59,134,.17);background:rgba(255,255,255,.78);color:#111827}
.btn.light{background:#fff;color:#073b86;box-shadow:0 10px 25px rgba(0,0,0,.08)}
.text-link{font-weight:850;color:#0c63df;text-decoration:none}
.text-link:hover{text-decoration:underline;text-underline-offset:3px}
.section-kicker{display:flex;align-items:center;gap:12px;margin-bottom:10px;color:#0b63d7;font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:.75rem}
.section-kicker:before{content:"";width:34px;height:2px;background:var(--gold)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card,.panel,details{
  background:rgba(255,255,255,.90); border:1px solid rgba(255,255,255,.95); border-radius:24px;
  padding:26px; box-shadow:var(--shadow-soft); backdrop-filter:blur(12px);
}
.card{position:relative;overflow:hidden;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.card:before{content:"";position:absolute;left:0;top:0;width:100%;height:3px;background:linear-gradient(90deg,var(--gold),var(--blue),var(--aqua));opacity:.85}
.card:hover{transform:translateY(-4px);box-shadow:0 24px 50px rgba(8,55,126,.16);border-color:rgba(12,99,223,.12)}
.card p{color:var(--muted)}
.split{display:grid;grid-template-columns:1.45fr .8fr;gap:26px;align-items:start}
.panel{border-color:rgba(214,179,106,.30);background:linear-gradient(145deg,rgba(255,255,255,.96),rgba(248,252,255,.88))}
.cta{
  position:relative;overflow:hidden;
  background:linear-gradient(125deg,#072f6a,#0c63df 62%,#19a7e6);color:#fff;border-radius:34px;padding:42px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;box-shadow:0 28px 65px rgba(7,59,134,.22)
}
.cta:after{content:"";position:absolute;width:260px;height:260px;border:1px solid rgba(255,255,255,.16);border-radius:50%;right:-70px;top:-100px}
.cta>*{position:relative;z-index:1}.cta h2{color:#fff}.cta p{color:rgba(255,255,255,.88)}.cta .eyebrow{color:var(--gold-soft)}
.checklist{padding-left:0;list-style:none}.checklist li{padding:9px 0 9px 28px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:#0c63df;font-weight:900}
.steps{display:grid;gap:14px}.steps article{display:flex;gap:16px;align-items:flex-start;background:rgba(255,255,255,.92);border:1px solid rgba(255,255,255,.95);padding:22px;border-radius:20px;box-shadow:var(--shadow-soft)}
.steps span{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,#0b58c5,#20a9e8);color:#fff;display:grid;place-items:center;font-weight:900;flex:0 0 auto;border:2px solid rgba(214,179,106,.35)}
details{margin:12px 0}summary{cursor:pointer;font-weight:850;color:#111827}
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
blockquote{margin:0;background:rgba(255,255,255,.92);border:1px solid rgba(255,255,255,.96);border-radius:22px;padding:24px;box-shadow:var(--shadow-soft);position:relative}
blockquote:before{content:"“";position:absolute;right:18px;top:-10px;font-family:Georgia,serif;font-size:5rem;color:rgba(214,179,106,.28);line-height:1}
blockquote p{font-family:Georgia,"Times New Roman",serif;font-size:1.17rem;color:#111827}blockquote cite{color:var(--muted);font-style:normal}
.notice{font-size:.92rem;color:#294a6f;border-left:3px solid var(--gold);padding-left:14px}
footer{border-top:1px solid rgba(12,99,223,.10);padding:48px 0 58px;color:#2b4058;background:linear-gradient(180deg,rgba(237,247,255,.82),rgba(220,239,255,.95))}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.footer-grid a{display:block;text-decoration:none;margin:6px 0;color:#111827}.footer-grid strong{color:#073b86}
@media(max-width:1040px){
  nav{gap:13px} nav>a,.nav-dropdown>button{font-size:.85rem}
}
@media(max-width:900px){
  nav{display:none}.mobile-menu{display:block}.cards,.quotes{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}
  nav.open{display:flex;position:absolute;left:20px;right:20px;top:84px;padding:18px;background:rgba(255,255,255,.98);border:1px solid var(--line);border-radius:18px;flex-direction:column;align-items:stretch;box-shadow:var(--shadow-soft)}
  .nav-dropdown-menu{position:static;transform:none;width:auto;box-shadow:none;margin-top:5px;border-radius:12px}
  .nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown:focus-within .nav-dropdown-menu{display:grid}
}
@media(max-width:640px){
  .wrap{width:min(100% - 24px,1180px)} main{padding-top:28px}.cards,.quotes{grid-template-columns:1fr}h1{font-size:2.75rem}.hero-copy{padding:42px 24px;border-radius:28px}.cta{align-items:flex-start;flex-direction:column;padding:30px}.footer-grid{grid-template-columns:1fr}
}