:root{
  --navy:#0b3c5d;
  --navy2:#102a43;
  --bg:#f5f7fa;
  --card:#ffffff;
  --text:#1c1c1c;
  --muted:rgba(255,255,255,.92);
  --shadow:0 12px 34px rgba(0,0,0,.10);
  --radius:14px;
}

/* ===== RESET / BASE ===== */
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}

/* ===== LAYOUT ===== */
.container{
  max-width:1140px;
  margin:0 auto;
  padding:0 22px;
}

/* ===== TOPBAR ===== */
.topbar{
  position:sticky;
  top:0;
  z-index:10;
  background:rgba(16,42,67,.84);
  backdrop-filter: blur(10px);
  border-bottom:1px solid rgba(255,255,255,.08);
}
.topbar .inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
}

.brand{
  display:flex;
  gap:12px;
  align-items:center;
  font-weight:700;
  color:#fff;
  letter-spacing:.2px;
}
.logo{
  width:36px;height:36px;border-radius:10px;
  display:grid;place-items:center;
  background:linear-gradient(135deg,#1b8bd6,#0b3c5d);
  box-shadow:0 10px 24px rgba(0,0,0,.2);
}
.brand small{
  display:block;
  font-weight:500;
  opacity:.85;
  letter-spacing:.1px;
}

.nav{
  display:flex;
  gap:16px;
  align-items:center;
  color:#fff;
  font-weight:600;
}
.nav a{
  opacity:.92;
  padding:8px 10px;
  border-radius:10px;
}
.nav a:hover{
  background:rgba(255,255,255,.08);
}

/* ===== HERO ===== */
.hero{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(1200px 500px at 20% 10%, rgba(27,139,214,.55), transparent 60%),
    radial-gradient(900px 420px at 80% 30%, rgba(14,92,160,.55), transparent 55%),
    linear-gradient(135deg, var(--navy), var(--navy2));
  color:#fff;
  padding:86px 0 64px;
}
.hero::before{
  content:"";
  position:absolute;inset:-120px -60px auto auto;
  width:380px;height:380px;
  background:rgba(255,255,255,.06);
  border-radius:50%;
}
.hero::after{
  content:"";
  position:absolute;inset:auto auto -160px -120px;
  width:420px;height:420px;
  background:rgba(255,255,255,.05);
  border-radius:50%;
}

.hero-grid{
  display:grid;
  grid-template-columns: 1.25fr .85fr;
  gap:34px;
  align-items:center;
}
.hero h1{
  font-size:48px;
  line-height:1.1;
  margin-bottom:18px;
}
.hero p{
  font-size:18px;
  color:var(--muted);
  max-width:620px;
}

/* ===== BADGES ===== */
.badges{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:22px;
}
.badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:9px 12px;
  border-radius:999px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.12);
  font-size:14px;
  font-weight:650;
}

/* ===== HERO CARD ===== */
.hero-card{
  background:rgba(255,255,255,.10);
  border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius);
  padding:22px;
  box-shadow:0 16px 40px rgba(0,0,0,.18);
}
.hero-card h3{
  font-size:18px;
  margin-bottom:10px;
}
.hero-card ul{
  list-style:none;
  display:grid;
  gap:10px;
}
.hero-card li{
  display:flex;
  gap:10px;
  align-items:flex-start;
  color:var(--muted);
  font-size:15px;
}
.dot{
  width:10px;height:10px;border-radius:50%;
  background:#48d597;
  margin-top:6px;
  flex:0 0 auto;
}

/* ===== SECTIONS ===== */
.section{
  padding:70px 0;
}
.section-title{
  text-align:center;
  margin-bottom:46px;
}
.section-title h2{
  color:var(--navy);
  font-size:34px;
  line-height:1.2;
}
.section-title p{
  margin-top:10px;
  color:#3a4a5c;
  font-size:16px;
}

/* ===== CARDS ===== */
.cards{
  display:grid;
  grid-template-columns:repeat(12, 1fr);
  gap:22px;
}
.card{
  grid-column: span 4;
  background:var(--card);
  padding:26px;
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  border:1px solid rgba(16,42,67,.06);
}
.icon{
  width:42px;height:42px;border-radius:12px;
  display:grid;place-items:center;
  background:rgba(11,60,93,.08);
  color:var(--navy);
  font-weight:900;
  margin-bottom:14px;
}
.card h3{
  color:var(--navy2);
  margin-bottom:10px;
  font-size:18px;
}
.card p{
  color:#2b3a4a;
  font-size:15px;
}

/* ===== SPLIT / PANEL ===== */
.split{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:22px;
  align-items:stretch;
}
.panel{
  background:#fff;
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:28px;
  border:1px solid rgba(16,42,67,.06);
}
.panel h3{
  color:var(--navy2);
  margin-bottom:12px;
}
.panel ul{
  margin-top:12px;
  list-style:none;
  display:grid;
  gap:10px;
}
.panel li{
  display:flex;
  gap:10px;
  align-items:flex-start;
  color:#2b3a4a;
  font-size:15px;
}
.check{
  width:18px;height:18px;border-radius:6px;
  background:rgba(72,213,151,.18);
  border:1px solid rgba(72,213,151,.35);
  display:grid;place-items:center;
  font-weight:900;
  color:#2b8a62;
  margin-top:3px;
  flex:0 0 auto;
}

/* ===== CTA ===== */
.cta{
  text-align:center;
  background:linear-gradient(135deg, rgba(11,60,93,.06), rgba(16,42,67,.06));
  border-top:1px solid rgba(16,42,67,.06);
  border-bottom:1px solid rgba(16,42,67,.06);
}
.cta .box{
  background:#fff;
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:34px;
  border:1px solid rgba(16,42,67,.06);
}
.cta h2{
  color:var(--navy);
  font-size:32px;
}
.cta p{
  margin-top:10px;
  color:#2b3a4a;
  font-size:16px;
}

/* ===== BUTTONS ===== */
.btns{
  margin-top:18px;
  display:flex;
  justify-content:center;
  gap:12px;
  flex-wrap:wrap;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:12px 16px;
  border-radius:12px;
  font-weight:750;
  border:1px solid rgba(16,42,67,.14);
  background:#fff;
  color:var(--navy2);
  cursor:pointer;
}
.btn.primary{
  background:linear-gradient(135deg,#1b8bd6,#0b3c5d);
  color:#fff;
  border-color:rgba(255,255,255,.16);
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0px)}

/* ===== FOOTER ===== */
footer{
  background:var(--navy2);
  color:rgba(255,255,255,.86);
  padding:26px 0;
  text-align:center;
  font-size:14px;
}
footer strong{color:#fff}

/* ===== RESPONSIVE ===== */
@media (max-width: 920px){
  .hero-grid{grid-template-columns:1fr;gap:18px}
  .card{grid-column:span 6}
  .split{grid-template-columns:1fr}
}
@media (max-width: 560px){
  header h1,.hero h1{font-size:38px}
  .card{grid-column:span 12}
  .nav{display:none}
}