@font-face{font-family:Poppins;font-weight:700;font-display:swap;src:url(fonts/poppins-bold.woff2) format("woff2")}
@font-face{font-family:Poppins;font-weight:600;font-display:swap;src:url(fonts/poppins-semibold.woff2) format("woff2")}
@font-face{font-family:"Open Sans";font-weight:300 800;font-display:swap;src:url(fonts/opensans.woff2) format("woff2")}
:root{--navy:#104176;--navy-d:#0b2f56;--coral:#E33737;--ink:#262626;--muted:#595959;--grey:#F2F2F2;--line:#D9D9D9;--white:#fff;--r:14px;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 "Open Sans",Arial,sans-serif;color:var(--ink);background:var(--white)}
h1,h2,h3{font-family:Poppins,Arial,sans-serif;font-weight:700;line-height:1.2;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,5vw,3.3rem);letter-spacing:-.01em}h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}a{color:var(--navy)}a:focus-visible,.btn:focus-visible{outline:3px solid var(--coral);outline-offset:3px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9}
header.top{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.94);backdrop-filter:blur(6px);border-bottom:1px solid var(--grey)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.top img{height:34px;width:auto;display:block}
nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}nav a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink)}nav a:hover{color:var(--coral)}
.btn{display:inline-block;background:var(--coral);color:#fff;text-decoration:none;font-family:Poppins,Arial,sans-serif;font-weight:600;padding:13px 26px;border-radius:999px;transition:transform .15s,background .15s}
.btn:hover{background:#c92c2c;transform:translateY(-1px)}.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.sm{padding:9px 18px;font-size:.9rem}
.eyebrow{display:inline-block;font:600 .8rem Poppins,Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--coral);margin-bottom:12px}
section{padding:88px 0}.alt{background:var(--grey)}
.hero{padding:72px 0 88px;background:linear-gradient(180deg,var(--grey) 0,#fff 100%)}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.lead{font-size:1.15rem;color:var(--muted);max-width:34em}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 30px;padding:0;list-style:none}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-weight:600;font-size:.92rem;color:var(--navy)}
.chips li::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--coral);margin-right:8px;vertical-align:1px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.map{background:#fff;border-radius:22px;box-shadow:0 20px 50px rgba(16,65,118,.14);padding:14px}.map svg{display:block;width:100%;height:auto;border-radius:14px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:36px}
.card{background:#fff;border-radius:var(--r);padding:26px;border:1px solid var(--line)}
.alt .card{border-color:transparent}
.card .ic{width:44px;height:44px;border-radius:12px;background:var(--navy);display:grid;place-items:center;margin-bottom:16px}
.card .ic svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card p{color:var(--muted);margin:0}
.intro{max-width:44em;color:var(--muted);font-size:1.08rem}
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:40px;counter-reset:f}
.flow li{list-style:none;position:relative;padding:0 18px 0 0}
.flow .n{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.flow .n b{flex:none;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 1.05rem Poppins,Arial,sans-serif}
.flow li:nth-child(even) .n b{background:var(--coral)}
.flow .n i{flex:1;height:2px;background:repeating-linear-gradient(90deg,var(--line) 0 8px,transparent 8px 14px)}
.flow li:last-child .n i{display:none}
.flow p{color:var(--muted);margin:0}
.ben{display:grid;grid-template-columns:repeat(2,1fr);gap:18px 40px;margin-top:34px;padding:0;list-style:none}
.ben li{display:flex;gap:14px}.ben li svg{flex:none;width:26px;height:26px;margin-top:2px}
.ben h3{margin:0 0 4px}.ben p{margin:0;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:36px;padding:0;list-style:none}
.steps li{background:#fff;border-radius:var(--r);padding:26px;border-top:5px solid var(--navy)}
.steps li:nth-child(even){border-top-color:var(--coral)}
.steps .k{font:700 2rem Poppins,Arial,sans-serif;color:var(--line);display:block;line-height:1;margin-bottom:10px}
.steps p{color:var(--muted);margin:0}
.future{background:var(--navy);color:#fff;border-radius:22px;padding:44px;display:grid;grid-template-columns:1.3fr 1fr;gap:36px;align-items:center}
.future h2{color:#fff}.future p{color:#d7e2ee}.future .eyebrow{color:#ff8a8a}
.future ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.future li{background:rgba(255,255,255,.08);border-radius:12px;padding:14px 18px;font-weight:600}
.future li span{color:#ff8a8a;margin-right:8px}
.contact{text-align:center}.contact .intro{margin:0 auto 28px}
.mail{font:700 clamp(1.3rem,3.5vw,2rem) Poppins,Arial,sans-serif;color:var(--navy);text-decoration:none;border-bottom:3px solid var(--coral)}
footer{background:var(--navy-d);color:#c6d3e2;padding:40px 0;font-size:.92rem}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;align-items:center}
footer img{height:30px;width:auto;display:block;margin-bottom:8px}footer a{color:#fff}footer p{margin:0}
.legal{max-width:760px}.legal h2{margin-top:1.6em;font-size:1.4rem}
@media (max-width:900px){
 .hero .wrap,.future{grid-template-columns:1fr}.grid3{grid-template-columns:1fr}.grid4,.steps{grid-template-columns:1fr 1fr}
 .flow{grid-template-columns:1fr 1fr;gap:28px}.flow .n i{display:none}.ben{grid-template-columns:1fr}
 nav ul li:not(:last-child){display:none}section{padding:64px 0}.hero{padding:44px 0 60px}.future{padding:30px}
}
@media (max-width:560px){.grid4,.steps,.flow{grid-template-columns:1fr}.top img{height:28px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}