:root {
  --navy: #172033;
  --ink: #111827;
  --muted: #64748b;
  --line: #d8dee8;
  --soft: #f5f7fb;
  --white: #ffffff;
  --teal: #0f766e;
  --blue: #2563eb;
  --green: #15803d;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px clamp(20px, 5vw, 72px);
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.96);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-weight: 800;
  font-size: 20px;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 34px;
  height: 34px;
  place-items: center;
  border-radius: 7px;
  background: var(--navy);
  color: var(--white);
  font-size: 18px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 22px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

.nav a {
  text-decoration: none;
}

.nav a:hover {
  color: var(--teal);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(320px, 0.8fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
  min-height: calc(100vh - 76px);
  padding: clamp(44px, 8vw, 96px) clamp(20px, 5vw, 72px);
  background:
    linear-gradient(135deg, rgba(23, 32, 51, 0.96), rgba(15, 118, 110, 0.88)),
    var(--navy);
  color: var(--white);
}

.eyebrow {
  margin: 0 0 12px;
  color: #7dd3fc;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0;
}

.hero h1 {
  max-width: 820px;
  margin: 0;
  font-size: clamp(38px, 6vw, 70px);
  line-height: 1.05;
  letter-spacing: 0;
}

.hero-text {
  max-width: 700px;
  margin: 24px 0 0;
  color: #dbeafe;
  font-size: 18px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border-radius: 7px;
  font-weight: 800;
  text-decoration: none;
}

.button.primary {
  background: var(--white);
  color: var(--navy);
}

.button.secondary {
  border: 1px solid rgba(255, 255, 255, 0.42);
  color: var(--white);
}

.trust-panel {
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
}

.panel-title {
  margin-bottom: 18px;
  color: #bfdbfe;
  font-size: 14px;
  font-weight: 800;
  text-transform: uppercase;
}

.metric-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.metric-grid div {
  min-height: 104px;
  padding: 16px;
  border-radius: 7px;
  background: rgba(255, 255, 255, 0.12);
}

.metric-grid strong {
  display: block;
  font-size: 28px;
  line-height: 1.1;
}

.metric-grid span {
  display: block;
  margin-top: 8px;
  color: #dbeafe;
  font-size: 13px;
}

.section {
  padding: clamp(48px, 7vw, 86px) clamp(20px, 5vw, 72px);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 26px;
}

.section-heading h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.15;
  letter-spacing: 0;
}

.section .eyebrow {
  color: var(--teal);
}

.two-column {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
  max-width: 1100px;
  color: #334155;
  font-size: 17px;
}

.band {
  background: var(--soft);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.info-card {
  min-height: 260px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.info-card h3 {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: 21px;
}

.info-card ul {
  margin: 0;
  padding-left: 20px;
  color: #334155;
}

.info-card li + li {
  margin-top: 8px;
}

.policy-box {
  max-width: 1100px;
  padding: 26px;
  border-left: 5px solid var(--green);
  border-radius: 8px;
  background: #f0fdf4;
  color: #1f2937;
  font-size: 17px;
}

.policy-box p {
  margin: 0;
}

.policy-box p + p {
  margin-top: 14px;
}

.contact-section {
  background: var(--navy);
  color: var(--white);
}

.contact-section .section-heading h2 {
  color: var(--white);
}

.contact-card {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  max-width: 1120px;
}

.contact-card > div {
  padding: 20px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.label {
  display: block;
  margin-bottom: 8px;
  color: #93c5fd;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.contact-card a {
  color: var(--white);
  font-weight: 800;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 24px clamp(20px, 5vw, 72px);
  color: var(--muted);
  background: #f8fafc;
  border-top: 1px solid var(--line);
}

.site-footer a {
  color: var(--navy);
  font-weight: 700;
  text-decoration: none;
}

@media (max-width: 860px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav {
    width: 100%;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .hero,
  .two-column,
  .card-grid,
  .contact-card {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .metric-grid {
    grid-template-columns: 1fr;
  }

  .site-footer {
    flex-direction: column;
  }
}