:root{--yellow:#F2B80A;--navy:#011836;--blue:#0860FF;--canvas:#EAEBEF;--foot:#F5F6F7;--muted:#5A6472;--line:#D9DCE3}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--navy);font-size:16px;line-height:1.6;background:#fff}
a{color:var(--blue)}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.top{background:var(--navy);color:#cfd6e4;font-size:13px}
.top .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none;font-weight:600}
header.main{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.main .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.logo img{height:48px;width:auto}
nav.links{display:flex;gap:26px;align-items:center}
nav.links a{color:var(--navy);text-decoration:none;font-weight:500;font-size:15px}
nav.links a.on,nav.links a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:600;padding:13px 22px;border-radius:8px;font-size:15px;border:2px solid var(--blue)}
.btn.ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.6)}
.btn.line{background:transparent;color:var(--blue)!important}
.menu-t{display:none;background:none;border:0;font-size:26px;color:var(--navy);cursor:pointer}
.hero{position:relative;color:#fff;min-height:600px;display:flex;align-items:center;background:var(--navy)}
.hero .bg{position:absolute;inset:0;background-size:cover;background-position:center}
.hero .bg:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(1,24,54,.94) 0%,rgba(1,24,54,.78) 45%,rgba(1,24,54,.25) 100%)}
.hero .wrap{position:relative;padding-top:80px;padding-bottom:80px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin-bottom:16px;padding-left:14px;border-left:3px solid var(--yellow)}
h1,h2,h3,.quote{font-family:"Roboto Condensed",Inter,sans-serif}
.stars{color:var(--yellow);font-size:18px;letter-spacing:2px}
.joe{border-radius:14px;width:100%;max-width:360px;height:auto!important;object-fit:contain!important;box-shadow:16px 16px 0 var(--yellow)}
.hero h1{font-size:54px;line-height:1.08;font-weight:800;max-width:640px;letter-spacing:-.02em}
.hero p.lead{font-size:19px;color:#d6deeb;max-width:580px;margin:22px 0 30px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:0;background:#fff;border-radius:12px;box-shadow:0 18px 40px rgba(1,24,54,.12);margin-top:-56px;position:relative;z-index:2}
.trust div{padding:24px 28px;border-right:1px solid var(--line);border-top:4px solid var(--yellow)}
.trust div:last-child{border-right:0}
.trust b{display:block;font-size:17px}
.trust span{color:var(--muted);font-size:14px}
section.blk{padding:88px 0}
section.alt{background:var(--canvas)}
.sh{max-width:720px;margin-bottom:44px}
.sh h2{font-size:38px;line-height:1.15;font-weight:800;letter-spacing:-.015em}
.sh p{color:var(--muted);font-size:18px;margin-top:12px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;display:flex;flex-direction:column}
.card img{height:200px;width:100%;object-fit:cover;object-position:center 30%}
.card .in{padding:24px}
.card h3{font-size:20px;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{background:#fff;border-radius:12px;padding:30px;border-top:4px solid var(--yellow)}
.step .n{font-size:14px;font-weight:800;color:var(--blue);letter-spacing:.1em}
.step h3{font-size:22px;margin:6px 0 8px}
.step p{color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:14px;height:460px;width:100%;object-fit:cover;object-position:center 30%}
.checks{list-style:none;margin-top:22px}
.checks li{padding:12px 0 12px 34px;position:relative;border-bottom:1px solid var(--line)}
.checks li:before{content:"";position:absolute;left:0;top:15px;width:20px;height:20px;border-radius:50%;background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/12px no-repeat}
.checks b{display:block}
.checks span{color:var(--muted);font-size:15px}
.quote{border-left:6px solid var(--yellow);padding-left:24px;font-size:26px;line-height:1.45;font-weight:600;max-width:860px}
.quote cite{display:block;font-style:normal;font-size:15px;color:var(--muted);font-weight:500;margin-top:14px}
.band{border-bottom:6px solid var(--yellow);background:var(--navy);color:#fff;border-radius:16px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.band h2{font-size:34px;font-weight:800}
.band p{color:#cfd6e4;margin-top:8px}
.areas{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.areas span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 16px;font-size:14px;font-weight:500}
.page-h{background:var(--navy);color:#fff;padding:72px 0 64px;border-bottom:6px solid var(--yellow)}
.page-h h1{font-size:44px;font-weight:800;letter-spacing:-.015em}
.page-h p{color:#cfd6e4;font-size:18px;margin-top:10px;max-width:680px}
.prog{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.prog .card{flex-direction:row}
.prog .card img{width:38%;height:auto;min-height:230px}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.ci{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.ci .l{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.ci a,.ci .v{display:block;font-size:20px;font-weight:700;color:var(--navy);text-decoration:none;margin-top:6px}
.ci small{display:block;color:var(--muted);margin-top:6px;font-size:14px}
.chatnote{background:var(--canvas);border-radius:12px;padding:28px;margin-top:28px;display:flex;gap:18px;align-items:flex-start}
.chatnote .ic{flex:0 0 44px;height:44px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center}
.legal{max-width:820px;padding:64px 24px 88px;margin:0 auto}
.legal .upd{color:var(--muted);font-size:14px;margin-bottom:28px}
.legal h2{font-size:24px;font-weight:800;margin:36px 0 10px}
.legal p,.legal li{color:#2b3a4f;margin-bottom:10px}
.legal ul{padding-left:22px}
.legal .box{border:1px solid var(--line);background:var(--foot);border-left:4px solid var(--yellow);border-radius:8px;padding:18px;margin:16px 0;color:var(--navy);font-weight:500}
footer{background:var(--foot);border-top:1px solid var(--line);padding:56px 0 28px;font-size:14px;color:var(--muted)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer h4{color:var(--navy);font-size:14px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:12px}
footer a{color:var(--navy);text-decoration:none}
footer ul{list-style:none}
footer li{margin-bottom:8px}
.disc{border-top:1px solid var(--line);margin-top:40px;padding-top:24px;display:flex;gap:20px;align-items:flex-start}
.disc img{width:54px;flex:0 0 54px;opacity:.85}
.disc p{font-size:12.5px;line-height:1.6}
@media(max-width:900px){
 nav.links{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 24px;border-bottom:1px solid var(--line);gap:16px}
 nav.links.open{display:flex}
 .menu-t{display:block}
 .hero h1{font-size:38px}.hero{min-height:520px}
 .trust,.cards,.steps,.split,.prog,.contact-grid,.fgrid{grid-template-columns:1fr}
 .trust div{border-right:0;border-bottom:1px solid var(--line)}
 .prog .card{flex-direction:column}.prog .card img{width:100%;height:200px;min-height:0}
 .split img{height:300px}
 .band{padding:36px}
 section.blk{padding:64px 0}.sh h2{font-size:30px}
}