:root{--brand:#0047BB;--brand-2:#00A3E0;--navy:#0A1E3F;--ink:#14213D;--muted:#5B6782;--line:#E3E8F0;--bg:#fff;--soft:#F4F7FB;--ok:#0E8A5F}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.demo-bar{background:#FFF4D6;color:#5C4400;font-size:12.5px;text-align:center;padding:6px 16px;border-bottom:1px solid #F1DDA0}
.demo-bar b{font-weight:600}
header.top{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.utility{background:var(--navy);color:#C9D4E8;font-size:13px}
.utility .wrap{display:flex;justify-content:flex-end;gap:22px;padding-top:7px;padding-bottom:7px}
.utility a:hover{color:#fff}
.nav{display:flex;align-items:center;gap:28px;height:72px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:.3px;font-size:21px;color:var(--brand)}
.logo .mark{width:34px;height:34px;border-radius:8px;background:linear-gradient(135deg,var(--brand),var(--brand-2));display:grid;place-items:center;color:#fff;font-size:15px;font-weight:800}
.logo small{display:block;font-size:10px;font-weight:600;color:var(--muted);letter-spacing:1.4px;text-transform:uppercase;margin-top:-3px}
.menu{display:flex;gap:4px;margin-left:auto;flex-wrap:wrap}
.menu a{padding:9px 13px;border-radius:8px;font-size:14.5px;font-weight:500;color:#26324d}
.menu a:hover,.menu a.on{background:var(--soft);color:var(--brand)}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 11px;font-size:18px;cursor:pointer}
.hero{position:relative;min-height:560px;display:flex;align-items:flex-end;color:#fff;background:#0A1E3F center/cover no-repeat}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,63,.25) 0%,rgba(10,30,63,.85) 100%)}
.hero .wrap{position:relative;padding-top:120px;padding-bottom:70px}
.hero.sm{min-height:360px}
.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:12.5px;font-weight:600;color:#9ED8F5}
.hero h1{font-size:clamp(32px,5vw,56px);line-height:1.08;margin:10px 0 16px;max-width:820px;font-weight:700}
.hero p{font-size:18px;max-width:680px;color:#DCE6F5;margin:0 0 26px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:10px;font-weight:600;font-size:15px;border:0;cursor:pointer;transition:.15s}
.btn.pri{background:var(--brand);color:#fff}.btn.pri:hover{background:#003a99}
.btn.light{background:#fff;color:var(--brand)}.btn.ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.35)}
.btns{display:flex;gap:12px;flex-wrap:wrap}
section{padding:80px 0}section.soft{background:var(--soft)}
.sec-h{max-width:760px;margin-bottom:40px}.sec-h h2{font-size:clamp(26px,3.2vw,38px);line-height:1.15;margin:8px 0 12px;color:var(--navy)}
.sec-h p{color:var(--muted);font-size:17px;margin:0}.sec-h .eyebrow{color:var(--brand)}
.stats{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-top:-60px;position:relative;z-index:2}
.stat{background:#fff;padding:26px 22px}.stat b{display:block;font-size:30px;color:var(--brand);font-weight:700;line-height:1.1}.stat span{color:var(--muted);font-size:14px}
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;transition:.2s;scroll-margin-top:140px}
.card:hover{box-shadow:0 12px 30px rgba(10,30,63,.08);transform:translateY(-2px)}
.card img{aspect-ratio:16/10;object-fit:cover}
.card .in{padding:22px}.card h3{margin:0 0 8px;font-size:19px;color:var(--navy)}.card p{margin:0;color:var(--muted);font-size:15px}
.card .more{margin-top:14px;color:var(--brand);font-weight:600;font-size:14px}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:18px;aspect-ratio:4/3;object-fit:cover}
.split h2{font-size:clamp(26px,3vw,36px);color:var(--navy);margin:8px 0 14px;line-height:1.15}.split p{color:var(--muted)}
.timeline{border-left:2px solid var(--line);margin-left:8px}
.tl{position:relative;padding:0 0 22px 26px}.tl:before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--brand)}
.tl b{color:var(--brand)}
.pill{display:inline-block;padding:4px 10px;border-radius:99px;background:#E8F0FD;color:var(--brand);font-size:12.5px;font-weight:600;margin:0 6px 6px 0}
.news .card .date{font-size:13px;color:var(--muted);margin-bottom:6px}
.cta-band{background:linear-gradient(120deg,var(--navy),var(--brand));color:#fff;border-radius:22px;padding:44px;display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-band h3{font-size:28px;margin:0 0 6px}.cta-band p{margin:0;color:#D5E2F7}
.faq details{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}.faq details p{color:var(--muted);margin:10px 0 0}
.alert{border-radius:14px;padding:20px 22px;background:#FDECEC;border:1px solid #F6C4C4;color:#7A1B1B}
.alert h3{margin:0 0 8px;color:#A11919}
form.f{display:grid;grid-template-columns:1fr 1fr;gap:16px}
form.f .full{grid-column:1/-1}
label{font-size:13.5px;font-weight:600;color:var(--navy);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #CBD4E3;border-radius:10px;font:inherit;font-size:15px;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid #A9C6F5;border-color:var(--brand)}
.note{font-size:13px;color:var(--muted)}
.okbox{display:none;border-radius:14px;padding:22px;background:#E7F6EF;border:1px solid #B9E4CF;color:#0B5B3F}
footer{background:var(--navy);color:#B8C5DD;padding:60px 0 30px;font-size:14px}
footer h4{color:#fff;font-size:14px;margin:0 0 12px}footer a{display:block;padding:3px 0}footer a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:30px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:12.5px}
/* floating */
.fab{position:fixed;left:22px;bottom:96px;z-index:60;display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.fab a,.fab button{display:flex;align-items:center;gap:9px;border:0;border-radius:99px;padding:13px 18px;font:600 14.5px Inter,system-ui,sans-serif;cursor:pointer;box-shadow:0 10px 28px rgba(10,30,63,.25)}
.fab .call{background:#fff;color:var(--brand)}.fab .chat{background:var(--brand);color:#fff}
.chatbox{position:fixed;left:22px;bottom:200px;width:380px;max-width:calc(100vw - 32px);height:540px;max-height:calc(100vh - 130px);background:#fff;border-radius:18px;box-shadow:0 20px 60px rgba(10,30,63,.3);z-index:70;display:none;flex-direction:column;overflow:hidden;border:1px solid var(--line)}
.chatbox.open{display:flex}
.chat-h{background:linear-gradient(120deg,var(--navy),var(--brand));color:#fff;padding:16px 18px;display:flex;align-items:center;gap:12px}
.chat-h .av{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.2);display:grid;place-items:center;font-weight:700}
.chat-h b{display:block}.chat-h small{color:#CFE0F7}.chat-h button{margin-left:auto;background:none;border:0;color:#fff;font-size:22px;cursor:pointer}
.msgs{flex:1;overflow:auto;padding:16px;background:var(--soft);display:flex;flex-direction:column;gap:10px}
.m{max-width:85%;padding:10px 14px;border-radius:14px;font-size:14.5px;white-space:pre-wrap}
.m.a{background:#fff;border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:4px}
.m.u{background:var(--brand);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.m.t{color:var(--muted);font-style:italic;background:none;border:0}
.chips{display:flex;flex-wrap:wrap;gap:6px;padding:0 16px 10px;background:var(--soft)}
.chips button{border:1px solid #C9D7EE;background:#fff;color:var(--brand);border-radius:99px;padding:6px 11px;font-size:12.5px;cursor:pointer}
.chat-f{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line)}
.chat-f input{flex:1}.chat-f button{background:var(--brand);color:#fff;border:0;border-radius:10px;padding:0 16px;font-weight:600;cursor:pointer}
@media(max-width:980px){.stats{grid-template-columns:repeat(2,1fr)}.g3,.g4{grid-template-columns:repeat(2,1fr)}.split{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}
.menu{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:12px 16px;border-bottom:1px solid var(--line)}.menu.show{display:flex}.burger{display:block}}
@media(max-width:620px){.wrap{padding:0 16px}.g2,.g3,.g4,form.f{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}section{padding:56px 0}.hero{min-height:480px}.cta-band{padding:28px}.fab a span,.fab button span{display:none}}