:root{
  --navy:#13283D;
  --navy2:#0D2031;
  --silver:#AEB7BF;
  --silver2:#DCE2E6;
  --char:#1C2329;
  --white:#FFFFFF;
  --mist:#F5F7F8;
  --line:#DCE3E8;
  --text:#3F4B54;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--char);background:#fff;line-height:1.55}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,92%);margin:auto}
.kicker{font-size:12px;letter-spacing:.17em;text-transform:uppercase;font-weight:800;color:#75818A}
.kicker.light{color:var(--silver)}
h1,h2,h3{margin-top:0;color:var(--navy)}
h1{font-size:clamp(48px,7vw,80px);line-height:.98;letter-spacing:-.045em}
h2{font-size:clamp(34px,4.4vw,54px);line-height:1.06;letter-spacing:-.03em}
h3{font-size:22px}
p.lead{font-size:19px;color:#61707B;max-width:790px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 19px;border-radius:4px;font-weight:800;letter-spacing:.01em;border:1px solid transparent;transition:.2s ease}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:#18334D;transform:translateY(-1px)}
.btn-silver{background:var(--silver);color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.5);color:#fff}
.btn-outline{border-color:#AEB8C0;color:var(--navy);background:#fff}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav{height:84px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.nav-logo img{width:275px;max-height:66px;object-fit:contain;object-position:left center}
.nav-links{display:flex;gap:27px;align-items:center;font-size:14px;font-weight:700;color:#44515B}
.nav-links a:hover{color:var(--navy)}
.nav-cta{white-space:nowrap}
.hero{position:relative;min-height:650px;display:grid;align-items:center;color:#fff;overflow:hidden;background:#0e2234}
.hero::before{content:"";position:absolute;inset:0;background:
 linear-gradient(90deg,rgba(8,25,39,.96) 0%,rgba(14,37,56,.84) 42%,rgba(14,37,56,.35) 72%,rgba(14,37,56,.22) 100%),
 url('https://images.squarespace-cdn.com/content/v1/640e14fa62cc943077066c13/1778882369246-QAL0C9MG39F3F1MQUERD/Most_Benefit.001.png') center/cover no-repeat}
.hero-content{position:relative;z-index:2;width:min(770px,92%);padding:88px 0}
.hero h1{color:#fff;margin:12px 0 24px}
.hero .lead{color:#D5DEE4}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.trust-strip{background:#fff;margin-top:-34px;position:relative;z-index:3}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);box-shadow:0 18px 55px rgba(19,40,61,.12)}
.trust-item{padding:25px 23px;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:none}
.trust-item b{display:block;color:var(--navy);font-size:16px;margin-bottom:4px}
.trust-item span{font-size:13px;color:#75828B}
.section{padding:92px 0}
.section-tight{padding:65px 0}
.section-head{max-width:800px;margin-bottom:42px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head h2{margin:9px 0 16px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--line);padding:28px;background:#fff}
.card-number{font-size:11px;letter-spacing:.16em;font-weight:900;color:#89949B}
.card h3{margin:10px 0 9px}
.card p{margin:0;color:#65727C}
.dark-section{background:var(--navy);color:#fff}
.dark-section h2,.dark-section h3{color:#fff}
.dark-section p{color:#C6D1D8}
.location-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.location-card{height:360px;position:relative;overflow:hidden;background:#172d41}
.location-card img{width:100%;height:100%;object-fit:cover;filter:saturate(.76) contrast(1.04)}
.location-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 28%,rgba(7,22,34,.9) 100%)}
.location-copy{position:absolute;z-index:2;left:22px;right:22px;bottom:21px}
.location-copy h3{margin:0 0 4px}
.location-copy p{font-size:13px;margin:0;color:#D4DEE4}
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.feature-image{height:520px;overflow:hidden;background:#e9edf0}
.feature-image img{width:100%;height:100%;object-fit:cover}
.checks{display:grid;gap:15px;margin:25px 0}
.check{display:grid;grid-template-columns:30px 1fr;gap:12px;align-items:start}
.check i{font-style:normal;width:27px;height:27px;border-radius:50%;background:#E9EEF1;color:var(--navy);display:grid;place-items:center;font-weight:900}
.check b{display:block;color:var(--navy)}
.check span{color:#64727C;font-size:14px}
.process-preview{background:var(--mist)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.step{background:#fff;border:1px solid var(--line);padding:26px;min-height:220px}
.step-no{font-size:12px;letter-spacing:.17em;font-weight:900;color:#849098;margin-bottom:30px}
.step p{color:#65727C}
.banner{padding:70px 0;background:linear-gradient(120deg,var(--navy2),var(--navy));color:#fff}
.banner-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}
.banner h2{color:#fff;margin-bottom:8px}
.banner p{color:#CBD5DB;max-width:690px}
.page-hero{padding:95px 0 75px;background:linear-gradient(125deg,var(--navy2),var(--navy));color:#fff}
.page-hero h1{color:#fff;max-width:900px}
.page-hero p{color:#D0D9DF;max-width:760px;font-size:19px}
.about-standard{background:var(--navy);color:#fff;padding:38px}
.about-standard h3{color:#fff;font-size:30px}
.values{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:25px}
.value{border:1px solid rgba(255,255,255,.2);padding:17px;font-weight:800}
.timeline{position:relative;display:grid;gap:14px}
.timeline-item{display:grid;grid-template-columns:82px 1fr;gap:20px;padding:26px;border:1px solid var(--line);background:#fff}
.timeline-num{font-size:28px;color:var(--silver);font-weight:900}
.timeline-item h3{margin-bottom:6px}
.timeline-item p{margin:0;color:#66737D}
.form-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:55px}
.form-card{background:#fff;border:1px solid var(--line);padding:30px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
label{font-size:11px;letter-spacing:.08em;font-weight:900;color:#66737B}
input,select,textarea{font:inherit;padding:12px;border:1px solid #C9D2D8;background:#fff;color:#26333C}
textarea{min-height:105px;resize:vertical}
.form-note{font-size:12px;color:#7E8A92;margin-top:10px}
.footer{background:#0C1B28;color:#AEB8C0;padding:48px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:40px}
.footer-logo{width:290px;background:#fff;padding:8px}
.footer h4{color:#fff;margin:0 0 10px}
.footer a{display:block;margin:7px 0;color:#BDC6CC;font-size:14px}
.footer-bottom{border-top:1px solid #263746;margin-top:35px;padding-top:20px;font-size:12px;color:#87949D}
@media(max-width:900px){
 .nav-links{display:none}.nav-logo img{width:230px}.trust-grid,.card-grid,.location-grid,.steps,.split,.form-wrap,.footer-grid{grid-template-columns:1fr}
 .trust-item{border-right:none;border-bottom:1px solid var(--line)}
 .location-card{height:300px}.split{gap:35px}.feature-image{height:380px}.banner-inner{display:block}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}
}