:root{
  --navy:#0B1F3B;
  --cyan:#00C2FF;
  --white:#FFFFFF;
  --gray:#F3F6FA;
  --graphite:#1A1D24;
  --gold:#F4B400;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Arial,Helvetica,sans-serif;color:var(--graphite);background:var(--white);line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
.container{width:100%;max-width:1200px;margin:0 auto;padding:0 20px}
.header{background:var(--white);border-bottom:1px solid #e6ebf2;position:sticky;top:0;z-index:999}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.logo{display:flex;align-items:center;gap:12px}
.logo img{width:50px;height:50px}
.logo span{font-weight:700;color:var(--navy);font-size:18px}
.nav{display:flex;gap:24px}
.nav a{font-weight:600;color:var(--graphite)}
.nav a:hover{color:var(--cyan)}
.nav-toggle{display:none}
.burger{display:none;cursor:pointer;border:1px solid #d9e1ef;padding:8px 12px;border-radius:6px;font-weight:600}
.mobile-menu{display:none}
.hero{background:linear-gradient(135deg,var(--navy),#102a52);color:var(--white);padding:80px 0}
.hero-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:40px;align-items:center}
.hero h1{font-size:40px;line-height:1.2;margin-bottom:16px}
.hero p{font-size:18px;color:#d7e3f7;margin-bottom:24px}
.btn{display:inline-block;padding:12px 24px;border-radius:6px;font-weight:700}
.btn-primary{background:var(--cyan);color:var(--navy)}
.btn-secondary{background:transparent;border:1px solid var(--cyan);color:var(--white)}
.section{padding:70px 0}
.section.gray{background:var(--gray)}
.section-title{font-size:28px;color:var(--navy);margin-bottom:12px}
.section-subtitle{color:#485166;margin-bottom:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:var(--white);border:1px solid #e6ebf2;border-radius:10px;padding:24px}
.card h3{color:var(--navy);margin-bottom:10px}
.tag{display:inline-block;background:var(--gold);color:var(--navy);padding:4px 10px;border-radius:20px;font-size:12px;font-weight:700;margin-bottom:10px}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust .card{padding:20px;text-align:left}
.split{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}
.list{margin-top:12px;padding-left:18px}
.list li{margin-bottom:8px}
.faq-item{border-bottom:1px solid #e6ebf2;padding:16px 0}
.faq-item h4{color:var(--navy);margin-bottom:6px}
.form{display:grid;gap:14px}
.input,textarea{width:100%;padding:12px;border:1px solid #cfd7e5;border-radius:6px;font-size:16px}
textarea{min-height:140px}
.btn-submit{background:var(--navy);color:var(--white);border:none;padding:12px 18px;border-radius:6px;font-weight:700;cursor:pointer}
.footer{background:var(--navy);color:var(--white);padding:40px 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;align-items:start}
.footer-logo img{width:100px;height:100px}
.footer-menu a{display:block;color:#dbe6ff;margin-bottom:8px}
.footer-menu a:hover{color:var(--cyan)}
.footer-bottom{border-top:1px solid #243452;margin-top:20px;padding-top:14px;color:#c7d4ef;font-size:14px}
.banner{position:fixed;bottom:0;left:0;right:0;background:var(--graphite);color:var(--white);padding:16px;display:none;z-index:1000}
.banner .container{display:flex;align-items:center;justify-content:space-between;gap:20px}
.banner button{background:var(--cyan);color:var(--navy);border:none;padding:10px 18px;border-radius:6px;font-weight:700}
.hero img, .split img, .card img{border-radius:10px}
@media(max-width:992px){
  .hero-grid,.grid-3,.split,.trust,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:32px}
}
@media(max-width:768px){
  .nav{display:none}
  .burger{display:block}
  .nav-toggle:checked ~ .mobile-menu{display:flex}
  .mobile-menu{position:fixed;inset:0;background:var(--navy);color:var(--white);flex-direction:column;gap:20px;padding:24px;z-index:998}
  .mobile-menu a{color:var(--white);font-size:20px}
  .mobile-menu .close{align-self:flex-end;border:1px solid #d9e1ef;padding:6px 10px;border-radius:6px}
}
@media(max-width:480px){
  .hero{padding:60px 0}
  .section{padding:50px 0}
  .hero h1{font-size:26px}
}