:root {
  --navy: #0b2a4a;
  --navy-2: #12385f;
  --red: #d0122d;
  --red-hover: #b50f26;
  --ink: #1b1f24;
  --muted: #5a6169;
  --bg: #fff;
  --gray: #f3f4f6;
  --paper: #f3f4f6;
  --line: #e2e5e9;
  --white: #fff;
  --max: 1200px;
  --header: 80px;
  --r: 2px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: "Inter", system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 {
  font-family: "Inter", system-ui, sans-serif;
  font-weight: 800;
  letter-spacing: -0.015em;
  line-height: 1.18;
  margin: 0 0 0.45em;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 4vw, 3.2rem); color: #fff; }
h2 { font-size: clamp(1.55rem, 2.4vw, 2.15rem); }
h3 { font-size: 1.12rem; font-weight: 700; }
p { margin: 0 0 1em; }

.wrap { width: min(var(--max), calc(100% - 40px)); margin-inline: auto; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--red);
  color: #fff;
  text-decoration: none;
  padding: 15px 24px;
  border: 0;
  border-radius: var(--r);
  font-family: inherit;
  font-weight: 700;
  font-size: 0.92rem;
  letter-spacing: 0.01em;
  cursor: pointer;
  transition: background 0.15s;
}
.btn:hover { background: var(--red-hover); }
.btn.ghost, .btn-ghost {
  background: transparent;
  color: #fff;
  box-shadow: inset 0 0 0 2px #fff;
}
.btn.ghost:hover, .btn-ghost:hover { background: #fff; color: var(--navy); }
.btn.navy, .btn-navy { background: var(--navy); }
.btn.navy:hover, .btn-navy:hover { background: var(--navy-2); }

.topbar {
  background: var(--navy);
  color: #d5dee8;
  font-size: 0.8rem;
  padding: 8px 0;
}
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar .badge { color: #fff; font-weight: 700; }

header.site {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--line);
  box-shadow: none;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header);
  gap: 16px;
}
.logo img { height: 50px; width: auto; }
.menu { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.menu a {
  text-decoration: none;
  padding: 10px 11px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  border-radius: var(--r);
}
.menu a:hover, .menu a.active { background: var(--gray); }
.menu a.btn { color: #fff; margin-left: 8px; padding: 11px 16px; }
.menu a.btn:hover { background: var(--red-hover); }
.drop { position: relative; }
.drop-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 8px;
  list-style: none;
  box-shadow: 0 12px 32px rgba(11,42,74,.1);
}
.drop:hover .drop-menu, .drop:focus-within .drop-menu { display: block; }
.drop-menu a { display: block; }
.burger {
  display: none;
  width: 42px; height: 42px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--r);
  cursor: pointer;
}
.burger span { display: block; height: 2px; background: var(--navy); margin: 6px 10px; }

.hero {
  position: relative;
  min-height: 68vh;
  display: grid;
  align-items: center;
  overflow: hidden;
  isolation: isolate;
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
}
.hero-veil {
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(11,42,74,.88) 0%, rgba(11,42,74,.55) 48%, rgba(11,42,74,.22) 100%);
}
.hero-inner { position: relative; padding: 88px 0 96px; max-width: 720px; color: #fff; }
.kicker, .eyebrow {
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.hero .kicker { color: #ffd4d8; }
.hero p { color: #e8eef5; font-size: 1.15rem; max-width: 48ch; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero-scroll { display: none; }

.help {
  background: var(--navy);
  color: #fff;
  padding: 56px 0 64px;
}
.help h2 { color: #fff; margin-bottom: 8px; }
.help-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 32px;
}
.help-card {
  background: #fff;
  color: var(--ink);
  text-decoration: none;
  padding: 32px 28px;
  border-radius: var(--r);
  min-height: 200px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border-top: 4px solid var(--red);
}
.help-card:hover { background: #f7f8fa; }
.help-card h3 { margin-bottom: 8px; }
.help-card p { color: var(--muted); margin: 0; }
.help-card span { color: var(--red); font-weight: 700; font-size: 0.88rem; margin-top: 20px; }
.help-num {
  display: block;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: var(--red);
  margin-bottom: 14px;
}

.trust {
  background: var(--gray);
  padding: 0;
  border-bottom: 1px solid var(--line);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.trust-grid > div {
  padding: 32px 24px;
  border-right: 1px solid var(--line);
}
.trust-grid > div:last-child { border-right: 0; }
.trust b { display: block; color: var(--navy); font-size: 1.2rem; font-weight: 800; }
.trust span { color: var(--muted); font-size: 0.88rem; }

.section { padding: 72px 0; }
.section-head { max-width: 720px; margin-bottom: 36px; }
.lead { font-size: 1.1rem; color: var(--muted); }
.prose { max-width: 78ch; color: #333; }
.prose h2 { margin-top: 1.2em; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
  text-decoration: none;
  display: flex;
  flex-direction: column;
}
.card:hover { border-color: var(--navy); }
.card img { width: 100%; height: 196px; object-fit: cover; }
.card-body { padding: 20px; flex: 1; }
.card-body p { color: var(--muted); margin: 0; }
.more { display: inline-block; margin-top: 14px; color: var(--red); font-weight: 700; font-size: 0.9rem; }

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.split img { width: 100%; height: 440px; object-fit: cover; border-radius: 0; }
.list { padding: 0; margin: 0 0 20px; list-style: none; }
.list li { padding: 8px 0 8px 18px; position: relative; }
.list li::before {
  content: "";
  position: absolute; left: 0; top: 16px;
  width: 8px; height: 8px;
  background: var(--red);
}

.cta {
  background: var(--navy);
  color: #fff;
  padding: 48px 40px;
  border-radius: 0;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: center;
}
.cta h2 { color: #fff; }
.cta p { color: #d5dee8; margin: 0; }

.page-hero {
  position: relative;
  min-height: 320px;
  display: grid;
  align-items: end;
  color: #fff;
  padding: 88px 0 52px;
  overflow: hidden;
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
  isolation: isolate;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: inherit;
  z-index: -2;
}
.page-hero::after {
  content: "";
  position: absolute; inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(11,42,74,.86), rgba(11,42,74,.4));
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; }
.crumbs { color: #c9d4e0; font-size: 0.85rem; margin-bottom: 10px; }
.crumbs a { color: #fff; text-decoration: none; font-weight: 600; }

.timeline { border-left: 3px solid var(--red); }
.tl { padding: 0 0 24px 22px; }
.tl time { color: var(--red); font-weight: 700; font-size: 0.85rem; }

.contact-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 40px; }
label { display: block; font-weight: 700; font-size: 0.88rem; margin: 0 0 6px; }
input, select, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 12px 12px;
  font: inherit;
  margin-bottom: 14px;
  background: #fff;
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--navy); border-color: var(--navy); }
textarea { min-height: 130px; resize: vertical; }
.honeypot { position: absolute; left: -9999px; }
.form-note { font-size: 0.86rem; color: var(--muted); }
.success, .error { padding: 12px; margin-bottom: 12px; display: none; border-radius: var(--r); }
.success { background: #e7f3ea; color: #1b5c32; }
.error { background: #f8e6e6; color: #8a1f2b; }
.map { width: 100%; height: 320px; border: 0; border-radius: 0; }

footer.site {
  background: var(--navy);
  color: #c5d0dc;
  padding: 56px 0 24px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
footer a { color: #fff; text-decoration: none; }
footer a:hover { text-decoration: underline; }
footer h3 { color: #fff; font-size: 1.05rem; margin-bottom: 12px; }
.legal {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  padding-top: 18px;
  font-size: 0.85rem;
  color: #9aabc0;
}
.legal a { color: #c5d3e4; margin-right: 12px; }

@media (max-width: 980px) {
  .cards, .help-grid, .trust-grid, .split, .contact-grid, .foot-grid { grid-template-columns: 1fr; }
  .trust-grid > div { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-grid > div:last-child { border-bottom: 0; }
  .menu { display: none; }
  header.site.open .menu {
    display: flex;
    flex-direction: column;
    position: absolute;
    left: 0; right: 0; top: 100%;
    background: #fff;
    padding: 8px 16px 16px;
    border-bottom: 1px solid var(--line);
    align-items: stretch;
  }
  .drop-menu { position: static; display: block; box-shadow: none; border: 0; padding: 0 0 0 8px; }
  .burger { display: inline-block; }
  .hero { min-height: 64vh; }
  .cta { flex-direction: column; align-items: flex-start; }
}

.funnel-hero {
  background: var(--navy);
  color: #fff;
  padding: 28px 0 40px;
  text-align: center;
}
.funnel-hero h1 { color: #fff; font-size: clamp(1.6rem, 3.2vw, 2.4rem); }
.funnel-hero p { color: #d5dee8; margin: 0; }
.funnel-kicker {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #ffd4d8;
  margin-bottom: 12px;
}
.funnel-chips {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-top: 22px;
}
.funnel-chips span {
  border: 1px solid rgba(255,255,255,.28);
  padding: 8px 12px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.funnel-main { background: var(--gray); padding: 0 0 72px; }
.funnel-wrap {
  width: min(680px, calc(100% - 40px));
  margin-inline: auto;
  margin-top: -22px;
}
.funnel-progress {
  display: inline-block;
  background: #fff;
  border: 1px solid var(--line);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 8px 12px;
  margin: 0 0 16px;
}
.funnel-card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 32px 28px;
}
.funnel-card h2 { font-size: 1.25rem; }
.funnel-lead { color: var(--muted); }
.funnel-benefits {
  list-style: none;
  margin: 0 0 8px;
  padding: 0;
  display: grid;
  gap: 10px;
}
.funnel-benefits li {
  background: var(--gray);
  border-left: 4px solid var(--red);
  padding: 14px 16px;
}
.funnel-benefits strong { display: block; color: var(--navy); }
.funnel-benefits span { color: var(--muted); font-size: 0.92rem; }
.funnel-cta { width: 100%; margin-top: 8px; }
.funnel-choices { display: grid; gap: 8px; }
.funnel-choice {
  width: 100%;
  text-align: left;
  background: #fff;
  color: var(--navy);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 14px 16px;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}
.funnel-choice:hover { border-color: var(--navy); background: var(--gray); }
.funnel-form label { margin-top: 4px; }
.funnel-check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-weight: 500;
  color: var(--muted);
  margin: 8px 0 16px;
}
.funnel-check input { width: auto; margin: 4px 0 0; }
.funnel-result { margin: 12px 0 0; font-weight: 700; }
.funnel-result.err { color: #8a1f2b; }
.funnel-screen[hidden] { display: none !important; }
@media (max-width: 980px) {
  .funnel-card { padding: 22px 18px; }
  .funnel-hero { padding: 22px 0 32px; text-align: left; }
  .funnel-chips { justify-content: flex-start; }
}