:root{--navy:#082c5c;--gold:#fdb515;--ink:#142033;--soft:#f5f7fa;--line:#dfe5ec;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy)}.wrap{width:min(1120px,92%);margin:auto}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}.brand img{width:min(330px,58vw);display:block}
.links{display:flex;gap:22px;align-items:center}.links a{text-decoration:none;font-weight:700;font-size:14px}
.btn{display:inline-block;background:var(--gold);color:#082c5c;text-decoration:none;font-weight:800;padding:12px 18px;border-radius:9px}
.hero{background:linear-gradient(135deg,#082c5c 0%,#0d417f 100%);color:white;padding:78px 0}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.eyebrow{color:var(--gold);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:13px}
h1{font-size:clamp(38px,6vw,64px);line-height:1.05;margin:12px 0 20px}h2{font-size:32px;line-height:1.15;color:var(--navy);margin:0 0 16px}h3{color:var(--navy)}
.hero p{font-size:19px;max-width:680px;color:#eaf1fa}.hero-card{background:white;color:var(--ink);padding:28px;border-radius:18px;box-shadow:0 16px 40px #001a3a55}
.hero-card h3{margin-top:0}.check{padding:0;list-style:none}.check li{margin:10px 0}.check li:before{content:"✓";color:#c88700;font-weight:900;margin-right:10px}
section{padding:68px 0}.soft{background:var(--soft)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.card{background:white;border:1px solid var(--line);border-radius:14px;padding:24px}.card p{margin-bottom:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}.tracker{border-left:5px solid var(--gold);background:white;padding:30px;border-radius:12px;box-shadow:0 8px 28px #0a2e5b12}
.note{font-size:14px;color:#526174}.cta{text-align:center;background:#fff6dd;border:1px solid #f1d98f;border-radius:18px;padding:36px}
footer{background:#071f3e;color:#dbe7f5;padding:34px 0}.foot{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}.foot a{color:#fff;margin-right:16px}
.legal{max-width:850px}.legal h1{color:var(--navy);font-size:42px}.legal h2{font-size:24px;margin-top:34px}.legal li{margin:8px 0}
@media(max-width:760px){.links a:not(.btn){display:none}.hero-grid,.split,.cards{grid-template-columns:1fr}.hero{padding:56px 0}.brand img{width:240px}section{padding:50px 0}}