:root{--navy:#102b49;--blue:#245b91;--teal:#168b88;--ink:#20344a;--muted:#607186;--bg:#f3f6fa}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6}a{color:var(--blue)}.wrap{max-width:1120px;margin:auto;padding:0 24px}header{background:#fff;border-bottom:1px solid #dce4ec;position:sticky;top:0;z-index:10}.nav{display:flex;justify-content:space-between;align-items:center;min-height:78px;gap:20px}.brand{font-size:25px;font-weight:800;letter-spacing:.6px;color:var(--navy);text-decoration:none}.brand span{color:var(--teal)}nav{display:flex;gap:23px;flex-wrap:wrap}nav a{text-decoration:none;font-size:14px;font-weight:700;color:var(--navy)}nav a:hover{color:var(--teal)}.hero{background:linear-gradient(115deg,#102b49,#245b91);color:#fff;padding:100px 0 105px}.eyebrow{color:#81d7d1;text-transform:uppercase;letter-spacing:2px;font-size:12px;font-weight:bold}.hero h1{font-size:clamp(36px,5vw,62px);line-height:1.12;max-width:820px;margin:16px 0 22px}.hero p{font-size:19px;max-width:700px;color:#e0ebf5}.btn{display:inline-block;background:var(--teal);color:white;text-decoration:none;border-radius:4px;padding:13px 23px;font-weight:700;margin-top:18px}.btn:hover{background:#11736f}.btn.outline{background:transparent;border:1px solid #b9d1e6;margin-left:10px}section{padding:72px 0}.soft{background:var(--bg)}h2{font-size:32px;color:var(--navy);margin:0 0 12px}h3{color:var(--navy);margin:0 0 8px}.lead{color:var(--muted);max-width:760px;font-size:17px;margin:0 0 30px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:white;border:1px solid #e0e7ef;border-top:4px solid var(--teal);padding:27px;border-radius:4px;box-shadow:0 6px 20px #112c4810}.card p{margin-bottom:0;color:#52677c}.tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.tag{background:#e7f0f8;border:1px solid #d3e2ee;color:#1b4b74;padding:8px 13px;border-radius:4px;font-weight:700;font-size:14px}.split{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}.panel{background:#fff;border-left:5px solid var(--teal);padding:30px;box-shadow:0 8px 30px #112c4812}.panel strong{color:var(--navy)}.cta{background:#eaf1f7}.contact{background:var(--navy);color:#fff}.contact h2{color:#fff}.contact p{color:#dbe7f3}.contact a{color:#8ce1d7}footer{background:#0a1d31;color:#a7b9cb;padding:24px 0;font-size:13px}.footer{display:flex;justify-content:space-between;gap:20px}.small{font-size:13px;color:#6b7f91}.contact .small{color:#b4c6d8}@media(max-width:760px){.nav{align-items:flex-start;flex-direction:column;padding-top:15px;padding-bottom:15px}nav{gap:12px}.hero{padding:68px 0}.grid,.split{grid-template-columns:1fr}.btn.outline{margin-left:0}.footer{flex-direction:column}section{padding:50px 0}}