:root{--green:#1EB980;--green-d:#17A06D;--navy:#0B2343;--navy-l:#132D4F;--cloud:#F4F7FA;--ink:#14243b;--muted:#51627a;--line:#dde5ee}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--green);outline-offset:3px}

.nav{position:sticky;top:0;z-index:20;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 24px;background:rgba(11,35,67,.94);backdrop-filter:blur(10px);color:#fff}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700}
.brand em{font-style:normal;font-weight:500;opacity:.85}
.brand img{border-radius:8px}
.nav nav{display:flex;align-items:center;gap:20px}
.nav nav a{color:#dbe6f3;text-decoration:none;font-size:.95rem}
.nav nav a:hover{color:#fff}

.btn{display:inline-block;background:var(--green);color:#052b1d;font-weight:700;padding:14px 26px;border-radius:12px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;min-height:44px;transition:transform .2s,background .2s}
.btn:hover{background:#27d195;transform:translateY(-2px)}
.btn-sm{padding:8px 16px;min-height:0;font-size:.9rem;color:#052b1d!important}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}

.hero{background:linear-gradient(135deg,var(--navy) 0%,#17406f 70%,#1d5a86 100%);color:#fff;padding:96px 0 104px}
.hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:center}
.eyebrow{color:var(--green);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem;margin:0 0 14px}
h1{text-wrap:balance;font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.1;margin:0 0 20px;letter-spacing:-.02em}
.grad{background:linear-gradient(90deg,#A3D55B,var(--green));-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:1.15rem;color:#d3e0ef;max-width:560px;margin:0 0 28px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:28px}
.flow{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.node{background:#fff;color:var(--navy);font-weight:700;padding:10px 14px;border-radius:10px;font-size:.9rem}
.arrow{color:var(--green);font-weight:700}
.card-note{margin:18px 0 0;color:#c9d8ea;font-size:.95rem}

.section{padding:80px 0}
.alt{background:var(--cloud)}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem);line-height:1.15;margin:0 0 24px;color:var(--navy);letter-spacing:-.01em}
h3{margin:0 0 6px;color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);border-radius:14px;padding:24px;box-shadow:0 4px 18px rgba(11,35,67,.05)}
.card p{margin:0;color:var(--muted)}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:16px;max-width:760px}
.steps li{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.steps span{flex:0 0 40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.steps p{margin:0;color:var(--muted)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.ticks li{padding-left:34px;position:relative;font-weight:600;color:var(--navy)}
.ticks li::before{content:"✓";position:absolute;left:0;top:0;width:24px;height:24px;border-radius:50%;background:var(--green);color:#052b1d;display:grid;place-items:center;font-size:.8rem}
.narrow{max-width:680px;color:var(--muted)}
.notice{margin-top:22px;max-width:760px;background:#fff;border-left:5px solid var(--green);border-radius:10px;padding:16px 20px;color:var(--ink)}
.form{display:grid;gap:14px}
.form label{display:grid;gap:6px;font-weight:600;color:var(--navy);font-size:.95rem}
.form input,.form select,.form textarea{font:inherit;padding:12px 14px;border:1px solid #b9c7d8;border-radius:10px;background:#fff;min-height:44px}
.footer{background:var(--navy);color:#c9d8ea;padding:40px 0}
.foot{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-end}
.foot img{vertical-align:middle;border-radius:8px;margin-right:8px}
.foot strong{color:#fff}.foot p{margin:6px 0 0}.small{font-size:.85rem}

@media(max-width:820px){.hero-grid,.two{grid-template-columns:1fr}.nav nav a:not(.btn){display:none}.hero{padding:64px 0}.section{padding:56px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}