:root {
  --navy: #0b2240;
  --navy-2: #123560;
  --blue: #1b9ee5;
  --blue-2: #38bdf8;
  --orange: #f68b1f;
  --orange-2: #ff9d2e;
  --text: #142033;
  --muted: #5e6b7f;
  --bg: #f5f8fc;
  --white: #ffffff;
  --border: rgba(11, 34, 64, 0.08);
  --shadow: 0 18px 45px rgba(11, 34, 64, 0.1);
  --radius: 24px;
  --container: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(var(--container), calc(100% - 32px)); margin: 0 auto; }
.topbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav {
  min-height: 82px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.brand { display:flex; align-items:center; gap:14px; }
.brand img { width: 170px; height:auto; object-fit:contain; }
.brand-copy { display:flex; flex-direction:column; }
.brand-copy strong { font-size: 15px; }
.brand-copy span { font-size: 13px; color: var(--muted); }
.menu-toggle {
  display:none; background:none; border:0; font-size:28px; cursor:pointer; color:var(--navy);
}
.nav-links { display:flex; align-items:center; gap:24px; }
.nav-links a { font-weight:600; font-size:15px; }
.nav-links a.active, .nav-links a:hover { color: var(--blue); }
.btn {
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding: 14px 22px; border-radius: 999px; font-weight:700;
  border: 0; transition: transform .2s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: linear-gradient(135deg, var(--orange), var(--orange-2));
  color: white; box-shadow: 0 12px 26px rgba(246,139,31,.24);
}
.btn-outline {
  background: transparent; color: var(--navy); border: 1px solid rgba(11,34,64,.16);
}
.hero {
  background:
    radial-gradient(circle at top left, rgba(56,189,248,0.24), transparent 32%),
    radial-gradient(circle at bottom right, rgba(246,139,31,0.18), transparent 20%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
}
.hero-grid {
  display:grid; grid-template-columns: 1.08fr .92fr; gap: 42px; align-items:center;
  padding: 84px 0 74px;
}
.eyebrow {
  display:inline-flex; align-items:center; gap:10px; padding:8px 14px; border-radius:999px;
  background: rgba(255,255,255,.12); border:1px solid rgba(255,255,255,.14);
  color:#dbeafe; font-size:14px; font-weight:600; margin-bottom:18px;
}
.hero h1, .page-hero h1 {
  margin:0 0 16px; line-height:1.05; letter-spacing:-.03em;
  font-size: clamp(38px, 5vw, 64px);
}
.hero p, .page-hero p {
  margin:0; color: rgba(255,255,255,.86); font-size:18px; max-width: 660px;
}
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; margin-top:30px; }
.hero-stats {
  display:flex; gap:16px; flex-wrap:wrap; margin-top:34px;
}
.stat {
  min-width:150px; background: rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.14);
  border-radius:18px; padding:16px 18px;
}
.stat strong { display:block; font-size:26px; margin-bottom:4px; }
.stat span { color: rgba(255,255,255,.78); font-size:14px; }
.hero-card {
  background: rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14); border-radius:28px;
  padding:22px; box-shadow: var(--shadow);
}
.hero-card-inner {
  background:white; color:var(--text); border-radius:24px; padding:22px;
}
.hero-visual {
  border-radius: 20px; overflow:hidden; aspect-ratio: 4/3; margin-bottom:18px;
  border:1px solid var(--border);
}
.hero-visual img { width:100%; height:100%; object-fit:cover; }
.card-grid { display:grid; grid-template-columns: repeat(2,1fr); gap:14px; margin-top:16px; }
.small-card { background: var(--bg); border-radius:18px; padding:16px; }
.small-card strong { display:block; margin-bottom:4px; font-size:15px; }
.small-card span { color:var(--muted); font-size:14px; }
section { padding: 82px 0; }
.page-hero {
  padding: 76px 0 24px; background: linear-gradient(135deg, var(--navy), var(--navy-2)); color:white;
}
.page-hero h1 { font-size: clamp(34px, 5vw, 56px); }
.page-hero p { max-width: 780px; }
.page-section { padding-top: 46px; }
.section-head { max-width:760px; margin-bottom:36px; }
.section-head h2 { margin:0 0 12px; font-size: clamp(30px, 4vw, 46px); line-height:1.1; letter-spacing:-.03em; }
.section-head p { margin:0; color:var(--muted); font-size:18px; }
.feature-grid, .process-grid, .policy-grid, .info-grid {
  display:grid; gap:24px;
}
.feature-grid { grid-template-columns: repeat(3, 1fr); }
.process-grid { grid-template-columns: repeat(4, 1fr); }
.info-grid { grid-template-columns: repeat(3, 1fr); }
.policy-grid { grid-template-columns: repeat(2, 1fr); }
.card, .feature-card, .process-card, .policy-card, .contact-card, .form-card, .info-card {
  background:white; border:1px solid var(--border); border-radius: var(--radius);
  box-shadow: 0 12px 32px rgba(11,34,64,.06);
}
.feature-card { overflow:hidden; }
.feature-card img { width:100%; height:230px; object-fit:cover; }
.feature-card .content, .contact-card .content, .form-card, .policy-card, .process-card, .info-card { padding:24px; }
.feature-card h3, .process-card h3, .policy-card h3, .info-card h3, .contact-card h3 {
  margin:0 0 10px; font-size:22px;
}
.feature-card p, .process-card p, .policy-card p, .info-card p, .contact-card p { margin:0; color:var(--muted); }
.split { background: var(--bg); }
.split-grid, .contact-grid, .two-col { display:grid; gap:30px; align-items:start; }
.split-grid { grid-template-columns: .95fr 1.05fr; align-items:center; }
.contact-grid, .two-col { grid-template-columns: .95fr 1.05fr; }
.visual, .contact-visual { overflow:hidden; border-radius:28px 28px 0 0; min-height: 300px; }
.visual img, .contact-visual img { width:100%; height:100%; object-fit:cover; }
.point-list { display:grid; gap:16px; margin-top:24px; }
.point {
  background:white; border:1px solid var(--border); border-radius:18px; padding:18px;
}
.point strong { display:block; margin-bottom:6px; font-size:17px; }
.point span { color:var(--muted); font-size:15px; }
.process-number {
  width:48px; height:48px; border-radius:50%; display:inline-flex; align-items:center; justify-content:center;
  background: linear-gradient(135deg, var(--blue), var(--blue-2)); color:white; font-weight:800; margin-bottom:16px;
}
.form-card form { display:grid; gap:16px; }
.field-grid { display:grid; grid-template-columns: repeat(2, 1fr); gap:16px; }
label { display:grid; gap:8px; font-weight:600; font-size:14px; }
input, textarea, select {
  width:100%; padding:14px 15px; border-radius:14px; border:1px solid rgba(11,34,64,.14);
  font: inherit; color: var(--text); background: #fff;
}
textarea { min-height: 130px; resize: vertical; }
.small-note { margin:0 0 18px; color:var(--muted); font-size:14px; }
.contact-details, .policy-list { margin: 0; padding-left: 18px; color: var(--muted); }
.contact-details li, .policy-list li { margin-bottom: 8px; }
.contact-detail { margin-bottom: 18px; }
.contact-detail strong { display:block; margin-bottom:4px; }
.notice {
  background: #fff8ee; border: 1px solid rgba(246,139,31,.25); color:#6a4a16; border-radius:18px; padding:18px;
}
.cta-panel {
  background: linear-gradient(135deg, var(--navy), #17477e); color:white; border-radius:32px;
  padding:44px; display:grid; grid-template-columns: 1.1fr .9fr; gap:30px; position:relative; overflow:hidden;
}
.cta-panel::after {
  content:""; position:absolute; right:-120px; top:-120px; width:340px; height:340px; border-radius:50%; background: rgba(56,189,248,.14);
}
.cta-panel h2 { margin:0 0 12px; font-size: clamp(30px, 4vw, 46px); line-height:1.08; position:relative; z-index:1; }
.cta-panel p { margin:0; color: rgba(255,255,255,.82); position:relative; z-index:1; }
.cta-box {
  background: rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14); border-radius:24px; padding:24px; position:relative; z-index:1;
}
.cta-box ul { margin:0 0 20px; padding-left:18px; }
footer { padding: 24px 0 46px; }
.footer-row {
  border-top:1px solid var(--border); padding-top:20px; display:flex; justify-content:space-between; gap:20px; flex-wrap:wrap; color:var(--muted);
}
.footer-links { display:flex; gap:16px; flex-wrap:wrap; }
.footer-links a:hover { color: var(--blue); }
.kicker { color: var(--blue); text-transform: uppercase; letter-spacing: .08em; font-size: 12px; font-weight: 800; margin-bottom: 10px; }
.thank-you {
  min-height: 75vh; display:grid; place-items:center; background: var(--bg); padding: 40px 0;
}
.thank-you-card {
  max-width: 720px; text-align:center; padding: 36px; background:white; border:1px solid var(--border); border-radius:32px; box-shadow: var(--shadow);
}
.thank-you-card h1 { margin:0 0 12px; font-size: clamp(34px, 5vw, 54px); line-height:1.05; }
.thank-you-card p { color: var(--muted); font-size: 18px; }
@media (max-width: 1024px) {
  .hero-grid, .feature-grid, .split-grid, .contact-grid, .two-col, .process-grid, .info-grid, .policy-grid, .cta-panel { grid-template-columns: 1fr; }
  .nav { align-items: center; }
}
@media (max-width: 820px) {
  .menu-toggle { display:block; }
  .nav-links {
    position:absolute; left:0; right:0; top:82px; background:white; border-bottom:1px solid var(--border);
    padding: 18px 16px 20px; display:none; flex-direction:column; align-items:flex-start;
  }
  .nav-links.open { display:flex; }
  .field-grid, .card-grid { grid-template-columns: 1fr; }
  .hero-grid { padding: 66px 0 58px; }
  section { padding: 68px 0; }
  .page-hero { padding: 62px 0 20px; }
  .brand img { width: 140px; }
  .brand-copy { display:none; }
}