:root{
      --bg:#ffffff;
      --text:#1A202C;
      --muted:#4A5568;
      --brand:#0D3B66;
      --brand2:#028090;
      --soft:#F4F6F8;
      --card:#ffffff;
      --shadow:0 8px 22px rgba(13,59,102,.10);
      --radius:16px;
    }
    html,body{margin:0;padding:0;background:var(--bg);color:var(--text);
      font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, Helvetica, sans-serif;}
    h1,h2,h3,h4{font-family:Merriweather, Georgia, 'Times New Roman', serif; line-height:1.15; letter-spacing:.1px;}
    a{color:var(--brand);text-decoration:none}
    img{max-width:100%;display:block}
    .container{width:min(1120px,92%);margin-inline:auto}
    header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
      backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid rgba(0,0,0,.06);}
    .head{display:flex;align-items:center;justify-content:space-between;padding:.85rem 0}
    .logo{display:flex;align-items:center;gap:.6rem;font-weight:800;color:var(--brand)}
    nav{display:flex;gap:1rem;align-items:center}
    nav a{padding:.5rem .75rem;border-radius:10px; color:var(--text);}
    .btn{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.15rem;border-radius:10px;
      font-weight:700; border:1px solid transparent; transition:transform .06s ease, box-shadow .2s ease, background .2s ease, color .2s ease;}
    .btn:hover{transform:translateY(-1px)}
    .btn-primary{background:var(--brand); color:#fff; box-shadow:var(--shadow);}
    .btn-primary:hover{background:#0b3359}
    .btn-outline{background:#fff; color:var(--brand); border-color:rgba(13,59,102,.25);}
    .btn-outline:hover{background:#f1f5f9; border-color:rgba(13,59,102,.4);}
    .sticky-cta{position:fixed;right:16px;bottom:16px; z-index:60;}
    .hero{background:linear-gradient(180deg, rgba(13,59,102,.10), rgba(2,128,144,.08) 55%, transparent);}
    .hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:2rem;align-items:center;padding:3rem 0}
    .headline{font-size:clamp(1.9rem,3.4vw,3rem);margin:0 0 1rem;font-weight:800;color:#0B2A4A}
    .sub{font-size:1.05rem;color:var(--muted);max-width:60ch}
    .badges{display:flex;flex-wrap:wrap;gap:.5rem;margin:1rem 0}
    .pill{display:inline-flex;align-items:center;gap:.4rem;padding:.35rem .6rem;border-radius:999px;background:#fff;border:1px solid rgba(0,0,0,.06);box-shadow:var(--shadow);font-size:.85rem;color:#233046}
    .section{padding:3rem 0}
    .soft{background:var(--soft)}
    .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
    .card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.25rem}
    .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
    .muted{color:var(--muted)}
    .form-wrap{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.25rem}
    form{display:grid;gap:.75rem}
    label{font-weight:600}
    input,select,textarea{width:100%;padding:.8rem;border-radius:10px;border:1px solid #CBD5E1;font:inherit;color:var(--text);background:#fff}
    textarea{min-height:120px}
    input:focus,select:focus,textarea:focus{outline:2px solid rgba(2,128,144,.35);outline-offset:2px}
    footer{border-top:1px solid rgba(0,0,0,.06);padding:2rem 0;color:var(--muted)}
    .foot{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between}
    @media (max-width:980px){.hero-grid{grid-template-columns:1fr}.cards,.grid-3{grid-template-columns:1fr}nav .hide-sm{display:none}}