:root {
  --navy: #0b2447;
  --blue: #145da0;
  --deep-blue: #174f8f;
  --orange: #f59e0b;
  --cream: #f8f4ec;
  --white: #ffffff;
  --soft: #f5f7fb;
  --text: #172033;
  --muted: #53627a;
  --border: #dbe3ee;
  --shadow: 0 18px 45px rgba(11, 36, 71, 0.10);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--white);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--border);
  padding: 14px 6%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  backdrop-filter: blur(14px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}

.brand-mark {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
}

.brand strong {
  display: block;
  font-size: 1rem;
}

.brand span {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}

.main-nav a {
  text-decoration: none;
  color: var(--text);
  font-weight: 700;
  font-size: 0.92rem;
}

.main-nav a:hover {
  color: var(--blue);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.header-actions a {
  text-decoration: none;
  font-weight: 800;
}

.sign-in {
  color: var(--text);
}

.cta-small {
  background: var(--deep-blue);
  color: var(--white);
  padding: 10px 16px;
  border-radius: 8px;
}

.hero {
  min-height: 560px;
  display: grid;
  align-items: center;
  padding: 90px 6%;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(11,36,71,0.92), rgba(20,93,160,0.74)),
    radial-gradient(circle at right, rgba(245,158,11,0.25), transparent 34%),
    linear-gradient(135deg, #0b2447, #145da0);
}

.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 18px;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(255,255,255,0.16);
  border: 1px solid rgba(255,255,255,0.24);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 800;
}

.hero h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(2.8rem, 6vw, 5rem);
  line-height: 0.98;
  letter-spacing: -0.05em;
}

.hero p {
  max-width: 720px;
  margin: 24px 0 0;
  font-size: 1.12rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.92);
}

.actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border-radius: 9px;
  text-decoration: none;
  font-weight: 800;
}

.button-primary {
  background: var(--white);
  color: var(--navy);
}

.button-secondary {
  border: 1px solid rgba(255,255,255,0.4);
  color: var(--white);
}

.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-bottom: 1px solid var(--border);
  background: var(--white);
}

.stat {
  text-align: center;
  padding: 26px 18px;
}

.stat strong {
  display: block;
  color: var(--deep-blue);
  font-size: 1.4rem;
}

.stat span {
  color: var(--muted);
  font-size: 0.9rem;
}

.section {
  padding: 76px 6%;
}

.section.alt {
  background: var(--soft);
}

.container {
  max-width: 1100px;
  margin: 0 auto;
}

.section-heading {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 38px;
}

.section-heading h2 {
  margin: 0;
  color: var(--text);
  font-size: clamp(1.9rem, 4vw, 3rem);
  letter-spacing: -0.04em;
}

.section-heading p {
  color: var(--muted);
  line-height: 1.7;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow);
}

.icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: #eaf3ff;
  color: var(--deep-blue);
  font-weight: 900;
  margin-bottom: 18px;
}

.card h3 {
  margin: 0 0 10px;
  color: var(--text);
}

.card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  text-align: center;
}

.step-number {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  margin: 0 auto 16px;
  display: grid;
  place-items: center;
  background: var(--deep-blue);
  color: var(--white);
  font-weight: 900;
}

.notice {
  margin-top: 40px;
  padding: 24px;
  border-radius: 12px;
  background: #fff7e6;
  border: 1px solid #f7d891;
  color: #7a3b00;
  text-align: center;
  line-height: 1.6;
}

.cta-band {
  background: var(--deep-blue);
  color: var(--white);
  padding: 58px 6%;
  text-align: center;
}

.cta-band h2 {
  margin: 0 0 14px;
  font-size: clamp(1.8rem, 4vw, 2.7rem);
}

.cta-band p {
  margin: 0 auto 26px;
  max-width: 650px;
  line-height: 1.7;
  color: rgba(255,255,255,0.88);
}

.site-footer {
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 42px 6% 28px;
}

.footer-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
}

.site-footer h3,
.site-footer h4 {
  margin: 0 0 12px;
  color: var(--text);
}

.site-footer p,
.site-footer a {
  color: var(--muted);
  line-height: 1.6;
  font-size: 0.94rem;
}

.site-footer a {
  display: block;
  text-decoration: none;
  margin: 8px 0;
}

.site-footer a:hover {
  color: var(--blue);
}

.footer-bottom {
  max-width: 1100px;
  margin: 30px auto 0;
  padding-top: 18px;
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 0.88rem;
}

@media (max-width: 900px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .stats,
  .card-grid,
  .steps,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding: 70px 6%;
  }
}