:root {
  --navy-900: #0b2545;
  --navy-800: #13315c;
  --navy-700: #1b4479;
  --sky-300: #8fb8de;
  --sky-100: #e8f1fa;
  --ink: #1f2937;
  --muted: #5b6676;
  --line: #e3e8ef;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --radius: 14px;
  --max: 1120px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-800); }
a:hover { color: var(--navy-700); }
:focus-visible { outline: 3px solid var(--sky-300); outline-offset: 2px; border-radius: 4px; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; z-index: 10; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 5; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy-900); }
.brand-mark { width: 38px; height: 38px; flex: none; }
.brand-name { font-weight: 700; font-size: 19px; letter-spacing: -0.2px; }
.brand-name span { color: var(--navy-700); font-weight: 600; }
.nav { display: flex; gap: 26px; }
.nav a { text-decoration: none; color: var(--muted); font-size: 15px; font-weight: 500; }
.nav a:hover { color: var(--navy-900); }
.nav .nav-cta { color: var(--navy-800); font-weight: 600; }

/* Hero */
.hero { background: linear-gradient(150deg, var(--navy-700) 0%, var(--navy-800) 50%, var(--navy-900) 100%); color: #fff; }
.hero .wrap { padding-top: 96px; padding-bottom: 104px; }
.eyebrow { text-transform: uppercase; letter-spacing: 1.6px; font-size: 13px; font-weight: 600; color: var(--sky-300); margin: 0 0 18px; }
.hero h1 { font-size: clamp(34px, 5.2vw, 56px); line-height: 1.1; letter-spacing: -1px; margin: 0 0 22px; max-width: 820px; }
.hero p.lead { font-size: clamp(18px, 2vw, 21px); color: #d6e3f2; max-width: 700px; margin: 0 0 36px; }
.actions { display: flex; flex-wrap: wrap; gap: 14px; }
.btn { display: inline-block; padding: 14px 24px; border-radius: 10px; font-weight: 600; font-size: 16px; text-decoration: none; transition: background .15s, color .15s, border-color .15s; }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { background: var(--sky-100); color: var(--navy-900); }
.btn-ghost { border: 1.5px solid rgba(255,255,255,.45); color: #fff; }
.btn-ghost:hover { border-color: #fff; color: #fff; }
.btn-dark { background: var(--navy-800); color: #fff; }
.btn-dark:hover { background: var(--navy-900); color: #fff; }

/* Sections */
section { padding: 88px 0; }
section.soft { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 720px; margin-bottom: 44px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 38px); line-height: 1.2; letter-spacing: -0.5px; margin: 0 0 14px; color: var(--navy-900); }
.section-head p { color: var(--muted); margin: 0; font-size: 18px; }
.kicker { text-transform: uppercase; letter-spacing: 1.4px; font-size: 12.5px; font-weight: 700; color: var(--navy-700); margin: 0 0 12px; }

.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.card h3 { margin: 18px 0 10px; font-size: 20px; color: var(--navy-900); }
.card p { margin: 0; color: var(--muted); font-size: 16px; }
.icon { width: 46px; height: 46px; border-radius: 12px; background: var(--sky-100); display: flex; align-items: center; justify-content: center; }
.icon svg { width: 24px; height: 24px; stroke: var(--navy-800); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

.list { list-style: none; padding: 0; margin: 0; }
.list li { position: relative; padding-left: 30px; margin-bottom: 12px; font-size: 16px; }
.list li::before { content: ""; position: absolute; left: 0; top: 7px; width: 16px; height: 16px; border-radius: 50%; background: var(--sky-100); box-shadow: inset 0 0 0 4px var(--navy-800); }
.card h3.small { margin-top: 0; margin-bottom: 18px; font-size: 18px; }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; margin-top: 40px; padding: 0; list-style: none; }
.steps li { counter-increment: step; border-top: 3px solid var(--navy-800); padding-top: 18px; }
.steps li::before { content: "0" counter(step); display: block; font-size: 14px; font-weight: 700; color: var(--navy-700); margin-bottom: 6px; letter-spacing: 1px; }
.steps strong { display: block; color: var(--navy-900); font-size: 18px; margin-bottom: 6px; }
.steps span { color: var(--muted); font-size: 15.5px; }

.markets { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.pill { border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: 8px 16px; font-size: 15px; font-weight: 500; color: var(--navy-900); }

/* Company facts */
.facts { display: grid; grid-template-columns: 220px 1fr; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; margin: 0; }
.facts dt, .facts dd { margin: 0; padding: 16px 22px; border-bottom: 1px solid var(--line); font-size: 16px; }
.facts dt { color: var(--muted); background: var(--bg-soft); font-weight: 500; }
.facts dd { color: var(--ink); }
.facts dt:last-of-type, .facts dd:last-of-type { border-bottom: 0; }

/* Contact */
.contact-box { background: var(--navy-900); color: #fff; border-radius: 20px; padding: 56px; display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.contact-box h2 { margin: 0 0 10px; font-size: clamp(26px, 3vw, 34px); letter-spacing: -0.4px; }
.contact-box p { margin: 0; color: #c9d8ea; max-width: 560px; }
.contact-box a.mail { color: #fff; font-weight: 600; }

/* Legal pages */
.page-head { background: var(--bg-soft); border-bottom: 1px solid var(--line); }
.page-head .wrap { padding-top: 64px; padding-bottom: 48px; }
.page-head h1 { margin: 0 0 8px; font-size: clamp(30px, 4vw, 42px); color: var(--navy-900); letter-spacing: -0.6px; }
.page-head p { margin: 0; color: var(--muted); }
.prose { max-width: 780px; padding-top: 56px; padding-bottom: 80px; }
.prose h2 { font-size: 23px; color: var(--navy-900); margin: 40px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { font-size: 16.5px; }
.prose ul { padding-left: 22px; }

/* Footer */
.site-footer { border-top: 1px solid var(--line); padding: 40px 0; font-size: 14.5px; color: var(--muted); }
.site-footer .wrap { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.site-footer p { margin: 0; max-width: 640px; }
.site-footer nav { display: flex; gap: 20px; }
.site-footer a { color: var(--muted); text-decoration: none; }
.site-footer a:hover { color: var(--navy-900); }

@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .nav { display: none; }
  .site-header .wrap { height: 64px; }
  .hero .wrap { padding-top: 64px; padding-bottom: 72px; }
  section { padding: 64px 0; }
  .grid-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .card { padding: 24px; }
  .facts { grid-template-columns: 1fr; }
  .facts dt { border-bottom: 0; padding-bottom: 4px; background: #fff; font-size: 13.5px; text-transform: uppercase; letter-spacing: .8px; }
  .facts dd { padding-top: 0; }
  .contact-box { padding: 32px 24px; }
}