:root{
  --navy:#0B2A4A;
  --red:#D62828;
  --ink:#0f172a;
  --muted:#475569;
  --bg:#f6f7fb;
  --card:#ffffff;
  --border: rgba(15, 23, 42, .10);
  --shadow: 0 10px 30px rgba(2,6,23,.10);
  --radius: 14px;
  --max: 1120px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,"Apple Color Emoji","Segoe UI Emoji";
  color:var(--ink);
  background:var(--bg);
  line-height:1.55;
}
a{color:inherit}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.topbar{
  position:sticky;top:0;z-index:50;
  background:#fff;border-bottom:1px solid var(--border);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  gap:16px;padding:14px 0;
}
.brand{
  display:flex;align-items:center;gap:10px;text-decoration:none;
  font-weight:800;letter-spacing:.2px;
}
.brand img{height:105px;width:auto;display:block}
.navlinks{display:flex;gap:18px;align-items:center}
.navlinks a{
  text-decoration:none;color:var(--ink);font-weight:600;
  opacity:.86
}
.navlinks a:hover{opacity:1}
.cta{
  display:inline-flex;align-items:center;justify-content:center;
  padding:12px 16px;border-radius:12px;border:1px solid rgba(214,40,40,.25);
  background:var(--red);color:#fff;text-decoration:none;font-weight:800;
  box-shadow: 0 8px 18px rgba(214,40,40,.18);
}
.cta.secondary{
  background:#fff;color:var(--red);
}
.hero{
  padding:56px 0 32px;
}
.heroCard{
  background: linear-gradient(135deg, rgba(11,42,74,.95), rgba(11,42,74,.88));
  border-radius: calc(var(--radius) + 6px);
  padding:44px 28px;
  color:#fff;
  box-shadow: var(--shadow);
  position:relative;
  overflow:hidden;
}
.heroCard:before{
  content:"";
  position:absolute;inset:-120px;
  background: radial-gradient(circle at 20% 20%, rgba(214,40,40,.22), transparent 50%),
              radial-gradient(circle at 70% 40%, rgba(255,255,255,.08), transparent 55%),
              radial-gradient(circle at 60% 90%, rgba(214,40,40,.16), transparent 55%);
  transform: rotate(8deg);
}
.heroInner{position:relative;display:grid;grid-template-columns: 1.15fr .85fr;gap:22px;align-items:center}
.hero h1{margin:0 0 10px;font-size:44px;line-height:1.05;letter-spacing:-.6px}
.hero p{margin:0 0 18px;color:rgba(255,255,255,.88);font-size:17px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.badge{
  display:inline-flex;gap:8px;align-items:center;
  padding:8px 10px;border-radius:999px;
  border:1px solid rgba(255,255,255,.18);
  background:rgba(255,255,255,.08);
  color:#fff;font-weight:700;font-size:12px;
}
.heroActions{display:flex;gap:12px;flex-wrap:wrap;margin-top:10px}
.panel{
  background: rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.18);
  border-radius: var(--radius);
  padding:18px;
}
.panel h3{margin:0 0 8px;font-size:14px;letter-spacing:.3px;text-transform:uppercase;color:rgba(255,255,255,.78)}
.panel ul{margin:0;padding-left:18px;color:rgba(255,255,255,.9)}
.section{padding:22px 0}
.grid3{display:grid;grid-template-columns: repeat(3, 1fr);gap:16px}
.card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 10px 24px rgba(2,6,23,.06);
  padding:18px;
}
.card h3{margin:0 0 6px}
.card p{margin:0;color:var(--muted)}
.kicker{color:var(--muted);font-weight:800;letter-spacing:.18em;text-transform:uppercase;font-size:12px;margin-bottom:10px}
.h2{font-size:28px;margin:0 0 10px;letter-spacing:-.4px}
.steps{display:grid;grid-template-columns: repeat(3, 1fr);gap:16px;margin-top:10px}
.stepNum{
  width:34px;height:34px;border-radius:12px;
  background:rgba(11,42,74,.08);display:flex;align-items:center;justify-content:center;
  font-weight:900;color:var(--navy);
  margin-bottom:10px;
}
.footer{
  margin-top:42px;
  background: #0a1f35;
  color: rgba(255,255,255,.9);
  padding:34px 0;
}
.footerGrid{
  display:grid;grid-template-columns: 1fr 1fr;gap:18px;
}
.footer h4{margin:0 0 10px}
.footer a{color:rgba(255,255,255,.9);text-decoration:none}
.footer a:hover{text-decoration:underline}
.small{font-size:12px;color:rgba(255,255,255,.72)}
hr.sep{border:none;border-top:1px solid rgba(255,255,255,.12);margin:18px 0}
.pageHead{
  padding:30px 0 10px;
}
.pageWrap{
  padding:12px 0 36px;
}
.prose{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:22px;box-shadow: 0 10px 24px rgba(2,6,23,.06);
}
.prose h1{margin-top:0}
.prose h2{margin-bottom:8px}
.prose p,.prose li{color:var(--muted)}
.formGrid{display:grid;grid-template-columns: 1fr 1fr;gap:14px}
label{font-weight:800;font-size:13px}
input, select, textarea{
  width:100%;padding:12px 12px;border-radius:12px;border:1px solid var(--border);
  background:#fff;font-size:14px
}
textarea{min-height:110px;resize:vertical}
.formActions{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.notice{
  margin-top:14px;padding:12px 12px;border-radius:12px;border:1px dashed rgba(11,42,74,.25);
  background: rgba(11,42,74,.04);color:var(--muted);font-size:12px
}
@media (max-width: 900px){
  .heroInner{grid-template-columns: 1fr}
  .grid3{grid-template-columns: 1fr}
  .steps{grid-template-columns:1fr}
  .footerGrid{grid-template-columns:1fr}
  .formGrid{grid-template-columns:1fr}
  .hero h1{font-size:36px}
}