:root{
  --ink-deep:#0A1450; --navy:#12238F; --royal:#1D3BC4; --sky:#8FA8FF;
  --red:#E23B3B; --red-dk:#C42C2C;
  --paper:#FFFFFF; --mist:#F3F5FC; --line:#DCE2F2; --ink:#161C33; --muted:#5A6380;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{line-height:1.12;margin:0;font-weight:800;letter-spacing:-.02em}
a{color:inherit}
img{max-width:100%}
.wrap{width:100%;max-width:1140px;margin:0 auto;padding:0 22px}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:74px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;min-width:0}
.brand img{height:42px;width:auto}
.brand span{font-weight:800;color:var(--navy);font-size:1.08rem;letter-spacing:-.01em;white-space:nowrap}
.brand span b{color:var(--red);font-weight:800}
.nav{display:flex;align-items:center;gap:24px}
.nav a{text-decoration:none;color:var(--navy);font-weight:600;font-size:.94rem}
.nav a:hover{color:var(--royal)}
.nav a.btn-red,.nav a.btn-red:hover{color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-weight:700;text-decoration:none;border-radius:10px;padding:13px 22px;font-size:1rem;border:0;cursor:pointer;transition:transform .12s ease,box-shadow .12s ease,background .12s ease}
.btn-red{background:var(--red);color:#fff;box-shadow:0 6px 18px rgba(226,59,59,.3)}
.btn-red:hover{background:var(--red-dk);transform:translateY(-1px)}
.btn-line{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn-line:hover{border-color:var(--royal);color:var(--royal)}
.bar .btn{padding:10px 16px;font-size:.93rem}

/* hero */
.hero{position:relative;overflow:hidden;color:#EAF0FF;background:
  radial-gradient(900px 500px at 85% -10%,rgba(29,59,196,.75),transparent 60%),
  linear-gradient(160deg,var(--ink-deep) 0%,var(--navy) 60%,var(--royal) 100%)}
.hero::after{content:"";position:absolute;right:8%;top:-10%;bottom:-10%;width:10px;background:var(--red);transform:skewX(-18deg);opacity:.85;box-shadow:26px 0 0 rgba(255,255,255,.35)}
.hero .wrap{position:relative;z-index:2;padding:78px 22px 90px}
.eyebrow{display:inline-block;font-weight:700;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--sky);margin-bottom:18px}
.hero h1{font-size:clamp(2.3rem,5.2vw,3.9rem);color:#fff;max-width:17ch}
.hero .lede{font-size:clamp(1.05rem,2vw,1.25rem);color:#C9D5FF;max-width:54ch;margin:22px 0 0}
.cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.hero .btn-line{color:#fff;border-color:rgba(255,255,255,.35);background:rgba(255,255,255,.06)}
.hero .btn-line:hover{border-color:#fff;color:#fff}
.checks{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:22px;font-size:.93rem;color:#B6C4F5}
.checks span{display:inline-flex;align-items:center;gap:7px}

/* strip */
.strip{background:var(--ink-deep);color:#AEBBE8}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:26px 22px;text-align:center}
.strip .n{font-weight:800;font-size:clamp(1.4rem,3vw,2rem);color:#fff;line-height:1}
.strip .n em{font-style:normal;color:var(--red)}
.strip .l{font-size:.82rem;margin-top:8px;color:#93A3DA}

/* sections */
section{padding:76px 0}
.head{max-width:62ch}
.k{font-weight:700;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--red);margin:0 0 12px}
.head h2{font-size:clamp(1.8rem,3.5vw,2.6rem);color:var(--ink-deep)}
.head p{font-size:1.07rem;color:var(--muted);margin:14px 0 0}
.tint{background:var(--mist)}

.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px 24px;position:relative}
.card .bar-top{height:4px;width:44px;border-radius:4px;background:linear-gradient(90deg,var(--navy),var(--red));margin-bottom:18px}
.card h3{font-size:1.25rem;color:var(--ink-deep);margin-bottom:6px}
.card .amt{font-weight:700;color:var(--royal);font-size:.97rem;margin-bottom:10px}
.card p{margin:0;color:var(--muted);font-size:.98rem}

.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}
.use{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 18px}
.use .ic{flex:none;width:40px;height:40px;border-radius:10px;background:linear-gradient(150deg,var(--navy),var(--royal));display:flex;align-items:center;justify-content:center}
.use b{display:block;color:var(--ink-deep);font-size:1.02rem}
.use span{color:var(--muted);font-size:.93rem}

/* steps */
.how{background:linear-gradient(160deg,var(--ink-deep),var(--navy));color:#E7EDFF}
.how .head h2{color:#fff}
.how .head p{color:#B6C4F5}
.how .k{color:#FF8A8A}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:48px;counter-reset:st}
.step{position:relative;padding:30px 22px 24px;border:1px solid rgba(255,255,255,.16);border-radius:16px;background:rgba(255,255,255,.05)}
.step::before{counter-increment:st;content:counter(st);position:absolute;top:-18px;left:22px;width:38px;height:38px;border-radius:10px;background:var(--red);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 18px rgba(226,59,59,.35)}
.step h3{font-size:1.12rem;color:#fff;margin:8px 0 8px}
.step p{margin:0;color:#B6C4F5;font-size:.95rem}

/* why / about */
.two{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.list{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:14px}
.list li{display:flex;gap:12px;align-items:flex-start;font-size:1.02rem}
.list svg{flex:none;margin-top:3px}
.panel{background:linear-gradient(158deg,var(--navy),var(--ink-deep));border-radius:20px;padding:36px 32px;color:#EAF0FF;box-shadow:0 22px 50px rgba(10,20,80,.25)}
.panel h3{color:#fff;font-size:1.5rem;margin-bottom:8px}
.panel p{color:#C3CFFA;margin:0 0 22px}
.panel .btn{width:100%}
.panel .btn + .btn{margin-top:12px}
.panel .btn-line{color:#fff;border-color:rgba(255,255,255,.35)}
.panel .sub{margin-top:16px;font-size:.88rem;color:#9DAEE6;text-align:center}

/* faq */
.faq{max-width:820px;margin-top:36px}
details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:12px}
summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;color:var(--ink-deep);position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--red);font-weight:700}
details[open] summary::after{content:"\2212"}
details p{margin:0;padding:0 20px 18px;color:var(--muted)}

/* final */
.final .box{background:radial-gradient(700px 320px at 85% -30%,rgba(29,59,196,.7),transparent 60%),linear-gradient(155deg,var(--ink-deep),var(--navy) 120%);border-radius:24px;padding:60px 36px;text-align:center;color:#fff}
.final h2{font-size:clamp(1.9rem,4vw,2.7rem);max-width:22ch;margin:0 auto}
.final p{color:#C9D5FF;font-size:1.1rem;max-width:50ch;margin:16px auto 0}
.final .cta{justify-content:center}
.final .btn-line{color:#fff;border-color:rgba(255,255,255,.35)}

/* footer */
footer{background:var(--ink-deep);color:#AEBBE8;padding:48px 0 32px;font-size:.93rem}
.fgrid{display:flex;flex-wrap:wrap;justify-content:space-between;gap:28px}
.fbrand{display:flex;align-items:center;gap:10px}
.fbrand .chip{background:#fff;border-radius:10px;padding:6px 8px;display:flex}
.fbrand img{height:40px}
.fbrand b{color:#fff;font-size:1.05rem}
footer strong{color:#fff;display:block;margin-bottom:6px}
.fcol{line-height:1.9}
.fcol a{color:#CBD5F5;text-decoration:none}
.fcol a:hover{color:#fff;text-decoration:underline}
.disc{margin-top:28px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);color:#8190C4;font-size:.8rem;max-width:90ch}

/* legal pages */
.legal-hero{background:linear-gradient(160deg,var(--ink-deep),var(--navy));color:#fff}
.legal-hero .wrap{max-width:820px;padding:46px 22px 42px}
.legal-hero h1{font-size:clamp(2rem,4.5vw,2.8rem)}
.legal-hero p{color:#B6C4F5;margin:10px 0 0}
.legal{max-width:820px;padding:40px 22px 64px}
.legal h2{font-size:1.3rem;color:var(--navy);margin:34px 0 10px;letter-spacing:-.01em}
.legal p,.legal li{color:#333A55;font-size:1rem}
.legal ul{padding-left:22px}
.legal li{margin-bottom:6px}
.callout{background:var(--mist);border-left:4px solid var(--red);border-radius:0 10px 10px 0;padding:16px 20px;margin:22px 0}

@media(max-width:960px){
  .steps{grid-template-columns:repeat(2,1fr);row-gap:38px}
  .two{grid-template-columns:1fr;gap:34px}
  .strip .wrap{grid-template-columns:repeat(2,1fr);gap:24px 16px}
  .uses{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:760px){
  .bar .btn{padding:9px 12px;font-size:.85rem}
  .nav a:not(.btn){display:none}
  .brand span{font-size:.98rem}
  .grid3,.uses,.steps{grid-template-columns:1fr}
  section{padding:58px 0}
  .hero .wrap{padding:58px 22px 66px}
  .hero::after{right:-4%;opacity:.5}
  .final .box{padding:44px 22px}
}
@media(max-width:480px){.brand span{display:none}}
.bar .btn{white-space:nowrap}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}