:root{--navy:#0b2545;--navy2:#13315c;--teal:#0d9488;--teal2:#14b8a6;--ink:#1f2937;--mut:#5b6474;--bg:#f5f8fb;--line:#e3e8ef;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
img{max-width:100%;display:block}a{color:var(--teal)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.3rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,4vw,2.3rem);font-weight:800;text-align:center}
h3{font-size:1.15rem}
.sub{text-align:center;color:var(--mut);max-width:620px;margin:0 auto 2.5rem}.sub.left{text-align:left;margin-left:0}
.btn{display:inline-block;background:var(--teal);color:#fff;font-weight:700;padding:14px 26px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;transition:.2s}
.btn:hover{background:#0f766e;transform:translateY(-1px)}.btn-sm{padding:9px 16px;font-size:.9rem}
.btn-ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--line)}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:#e6fffb}.full{width:100%}
.nav{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand img{width:150px;height:auto}.links{display:none;gap:28px}.links a{color:var(--ink);text-decoration:none;font-weight:500}
.hero{background:linear-gradient(160deg,#eef6fb 0%,#e6f7f5 100%);padding:56px 0 64px}
.hero-in{display:grid;gap:40px;align-items:center}
.eyebrow{display:inline-block;background:#d5f3ef;color:#0f766e;font-weight:600;font-size:.85rem;padding:6px 12px;border-radius:99px;margin-bottom:16px}
.hl{color:var(--teal)}.lead{font-size:1.15rem;color:var(--mut);max-width:560px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 20px;color:var(--navy2);font-weight:500;font-size:.95rem}
.ticks li::before{content:"✓";color:var(--teal);font-weight:800;margin-right:6px}
.hero-card{background:#fff;border-radius:18px;padding:22px;box-shadow:0 20px 50px rgba(11,37,69,.12)}
.hc-row{display:flex;align-items:center;gap:12px;padding:14px 4px;border-bottom:1px dashed var(--line)}.hc-row:last-child{border:0}
.hc-row b{flex:1;color:var(--navy)}.hc-row em{font-style:normal;color:var(--mut);font-size:.9rem}
.dot{width:12px;height:12px;border-radius:50%;background:#cbd5e1}.ok .dot{background:var(--teal2);box-shadow:0 0 0 5px #ccfbf1}
.sec{padding:72px 0}.alt{background:var(--bg)}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:20px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.steps span{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.steps p,.card p,.why p{color:var(--mut);margin:0}
.cards{display:grid;gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(11,37,69,.08)}
.ic{width:44px;height:44px;border-radius:12px;background:#e6f7f5;color:var(--teal);font-weight:800;display:grid;place-items:center;margin-bottom:14px}
.why{display:grid;gap:18px}.why>div{border-left:4px solid var(--teal);padding:6px 0 6px 18px}
.note{text-align:center;color:var(--mut);margin-top:32px;font-size:.95rem}
.band{background:var(--navy);padding:48px 0}.band-in{display:flex;flex-direction:column;gap:18px;align-items:center;text-align:center}.band h2{color:#fff;margin:0}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}
summary{cursor:pointer;font-weight:600;color:var(--navy);padding:18px 0;list-style:none;position:relative;padding-right:28px}
summary::-webkit-details-marker{display:none}summary::after{content:"+";position:absolute;right:0;font-size:1.4rem;color:var(--teal);top:12px}
details[open] summary::after{content:"–"}details p{margin:0 0 18px;color:var(--mut)}
.contact{display:grid;gap:36px}.contact h2{text-align:left}
form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 20px 50px rgba(11,37,69,.08)}
.grid2{display:grid;gap:0 16px}
label{display:block;font-weight:600;font-size:.9rem;color:var(--navy);margin-bottom:14px}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid #cfd8e3;border-radius:10px;font:inherit;font-weight:400;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal2);border-color:transparent}
.invalid{border-color:#dc2626;background:#fef2f2}
.hp{position:absolute;left:-9999px}.msg{margin:12px 0 0;font-weight:600}.msg.err{color:#dc2626}.msg.ok{color:var(--teal)}
.foot{background:#0a1f3a;color:#a9b6c8;padding:28px 0;font-size:.9rem}.foot a{color:#a9b6c8}
.foot-in{display:flex;flex-direction:column;gap:12px;align-items:center;text-align:center}.foot img{filter:brightness(0) invert(1);opacity:.9}
@media(min-width:640px){.grid2{grid-template-columns:1fr 1fr}.steps,.cards,.why{grid-template-columns:1fr 1fr}}
@media(min-width:900px){.links{display:flex}.hero{padding:88px 0}.hero-in{grid-template-columns:1.3fr 1fr}
.steps{grid-template-columns:repeat(4,1fr)}.cards{grid-template-columns:repeat(3,1fr)}.why{grid-template-columns:repeat(4,1fr)}
.contact{grid-template-columns:1fr 1.2fr;align-items:start}.band-in{flex-direction:row;justify-content:space-between;text-align:left}
.foot-in{flex-direction:row;justify-content:space-between}.brand img{width:176px}}
/* v2 */
.hero-media{position:relative;max-width:460px;margin:0 auto;width:100%}
.hero-media img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;border-radius:22px;box-shadow:0 24px 60px rgba(11,37,69,.22)}
.hero-badge{position:absolute;left:12px;bottom:24px;background:#fff;border-radius:14px;padding:14px 18px;box-shadow:0 14px 34px rgba(11,37,69,.18);color:var(--navy);font-size:.95rem;line-height:1.4}
.hero-badge b{color:var(--teal)}.hero-badge span{color:var(--mut);font-size:.85rem}
.lead strong{color:var(--navy)}
.eq{display:grid;gap:12px;align-items:stretch}
.eq-box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.eq-box p{color:var(--mut);margin:0}.eq-box.total{background:var(--navy);border-color:var(--navy)}.eq-box.total h3{color:#fff}.eq-box.total p{color:#c7d3e3}
.eq-k{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#e6f7f5;color:var(--teal);font-weight:800;margin-bottom:10px}
.total .eq-k{background:var(--teal);color:#fff}
.eq-op{display:grid;place-items:center;font-size:2rem;font-weight:800;color:var(--teal);line-height:1}
.cta-center{text-align:center;margin-top:32px}
.card.has-img{padding-top:0;overflow:hidden}
.card-img{display:block;margin:0 -26px 18px}.card-img img{width:100%;height:170px;object-fit:cover}
.card.has-img .ic{margin-top:-40px;position:relative;background:#fff;box-shadow:0 6px 16px rgba(11,37,69,.12)}
.team{display:grid;gap:32px;align-items:center}
.team-photo img{width:100%;height:auto;border-radius:20px;box-shadow:0 20px 50px rgba(11,37,69,.15)}
h2.left{text-align:left}.team p{color:var(--mut)}
.ticks.col{flex-direction:column}
@media(min-width:900px){.eq{grid-template-columns:1fr auto 1fr auto 1fr}.team{grid-template-columns:1fr 1fr}.hero-media{max-width:440px}}
@media(min-width:900px){.hero-badge{left:-20px}}