:root{
  --navy:#0d2740;
  --blue:#1677c8;
  --light:#f5f8fb;
  --text:#1d2b36;
  --muted:#5e6b75;
  --white:#ffffff;
  --accent:#e9f4ff;
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--white);line-height:1.6}
a{text-decoration:none;color:inherit}
.container{width:min(1120px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;padding:10px 0;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(0,0,0,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.brand{font-weight:800;color:var(--navy);font-size:20px}
.brand small{display:block;color:var(--blue);font-size:12px;letter-spacing:.08em;text-transform:uppercase}
nav{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
nav a{font-weight:700;font-size:14px}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:13px 20px;border-radius:8px;font-weight:800}
.btn.secondary{background:var(--navy)}
.hero{background:linear-gradient(135deg,var(--navy),#1f4f76);color:#fff;padding:88px 0}
.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}
.hero h1{font-size:clamp(38px,6vw,68px);line-height:1.02;margin:0 0 20px}
.hero p{font-size:20px;max-width:720px;color:#e8f0f7}
.hero-card{background:#fff;color:var(--text);padding:28px;border-radius:16px}
.hero-card h3{margin-top:0;color:var(--navy)}
section{padding:70px 0}
.section-title{text-align:center;max-width:760px;margin:0 auto 40px}
.section-title h2{font-size:36px;line-height:1.15;margin-bottom:10px;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid #dfe7ee;border-radius:14px;padding:26px;background:#fff;box-shadow:0 6px 20px rgba(0,0,0,.04)}
.card h3{color:var(--navy);margin-top:0}
.alt{background:var(--light)}
.cta{background:var(--blue);color:#fff;text-align:center}
.cta h2{font-size:38px;margin-top:0}
.area-list{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.area-list a{background:var(--accent);color:var(--navy);padding:10px 14px;border-radius:999px;font-weight:700}
form{display:grid;gap:14px}
input,textarea,select{width:100%;padding:13px;border:1px solid #cfd8df;border-radius:8px;font:inherit}
button{border:0;cursor:pointer}
footer{background:#081b2d;color:#d7e3ed;padding:45px 0}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer h3,footer h4{color:#fff}
.notice{font-size:12px;color:#71808c;margin-top:14px}
.page-hero{background:var(--navy);color:#fff;padding:60px 0}
.page-hero h1{font-size:48px;margin:0 0 12px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:36px}
ul.clean{padding-left:20px}
.mobile-call{display:none}
@media(max-width:850px){
  .hero-grid,.two-col,.grid,footer .cols{grid-template-columns:1fr}
  nav{display:none}
  .hero{padding:64px 0}
  .hero h1{font-size:44px}
  .mobile-call{display:inline-block}
}