:root{
  --navy: #244463;
  --navy-2: #2d557a;
  --orange: #f28c28;
  --bg: #f6f8fb;
  --card: #ffffff;
  --text: #0f172a;
  --muted: #55657a;
  --border: rgba(36, 68, 99, 0.14);
  --shadow: 0 10px 24px rgba(15, 23, 42, 0.08);
  --radius: 16px;
}
*{ box-sizing: border-box; }
html,body{ margin:0; padding:0; font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; color: var(--text); background:#fff; }
a{ color: inherit; text-decoration: none; }
.container{ width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.muted{ color: var(--muted); }
.sep{ opacity:.6; }
.accent{ color: var(--orange); }

/* Topbar */
.topbar{ background: rgba(36, 68, 99, 0.06); border-bottom: 1px solid var(--border); font-size: 14px; }
.topbar__inner{ display:flex; align-items:center; justify-content:space-between; gap:12px; padding: 10px 0; }
.topbar__left{ display:flex; align-items:center; gap:10px; flex-wrap: wrap; }
.topbar__right{ display:flex; align-items:center; gap:10px; flex-wrap: wrap; }
.topbar__link{ color: var(--navy); }
.badge{ display:inline-flex; align-items:center; padding: 4px 10px; border-radius: 999px; background: rgba(242, 140, 40, 0.14); color: var(--navy); border: 1px solid rgba(242, 140, 40, 0.35); font-weight: 600; }

/* Header */
.header{ position: sticky; top:0; z-index: 50; background: #fff; border-bottom: 1px solid var(--border); }
.header__inner{ display:flex; align-items:center; justify-content:space-between; gap:16px; padding: 14px 0; }
.brand{ display:flex; align-items:center; gap:12px; }
.brand__mark{ width: 44px; height: 44px; border-radius: 12px; display:grid; place-items:center; background: linear-gradient(135deg, var(--navy), var(--navy-2)); color:#fff; font-weight: 800; }
.brand__name{ font-weight: 800; }
.brand__tag{ font-size: 12px; color: var(--muted); margin-top:2px; }
.nav{ display:flex; gap: 18px; align-items:center; }
.nav__link{ font-weight: 600; color: var(--navy); opacity: .88; }
.nav__link:hover{ opacity: 1; }
.nav__link.is-active{ color: var(--text); }
.header__actions{ display:flex; gap:10px; align-items:center; }

/* Buttons */
.btn{ display:inline-flex; align-items:center; justify-content:center; padding: 11px 14px; border-radius: 12px; border: 1px solid transparent; font-weight: 800; cursor:pointer; transition: transform .12s ease, box-shadow .12s ease; }
.btn:active{ transform: translateY(1px); }
.btn--primary{ background: var(--orange); color: #1a1a1a; box-shadow: 0 10px 20px rgba(242, 140, 40, 0.24); }
.btn--ghost{ background: rgba(36, 68, 99, 0.06); border-color: var(--border); color: var(--navy); }
.btn--block{ width:100%; }

/* Hamburger */
.hamburger{ display:none; width:44px; height:44px; border-radius: 12px; border: 1px solid var(--border); background: #fff; align-items:center; justify-content:center; gap:5px; flex-direction: column; }
.hamburger span{ width: 18px; height: 2px; background: var(--navy); display:block; border-radius: 2px; }

/* Mobile menu */
.mobile{ display:none; border-top: 1px solid var(--border); background: #fff; }
.mobile__inner{ padding: 14px 0; display:grid; gap:10px; }
.mobile__link{ padding: 12px 12px; border: 1px solid var(--border); border-radius: 12px; color: var(--navy); font-weight: 700; background: rgba(36, 68, 99, 0.04); }
.mobile__cta{ display:grid; gap:10px; margin-top: 6px; }

/* Hero */
.hero{ position: relative; min-height: 720px; display:flex; align-items:center; }
.hero__bg{ position:absolute; inset:0; background: linear-gradient(120deg, rgba(36,68,99,0.70), rgba(36,68,99,0.35)); background-size: cover; background-position: center; }
.hero__overlay{ position:absolute; inset:0; background: rgba(15,23,42,0.08); }
.hero__inner{ position: relative; z-index: 1; padding: 42px 0; display:grid; grid-template-columns: 1.15fr .85fr; gap: 22px; align-items: start; }
.kicker{ display:inline-block; padding: 6px 12px; border-radius: 999px; background: rgba(255,255,255,0.14); border: 1px solid rgba(255,255,255,0.18); color: rgba(255,255,255,0.92); font-weight: 800; }
.hero h1{ margin: 14px 0 10px; font-size: clamp(32px, 4vw, 54px); color: #fff; line-height: 1.04; }
.lead{ color: rgba(255,255,255,0.90); font-size: 16px; max-width: 58ch; }
.hero__cta{ display:flex; gap:10px; margin-top: 16px; flex-wrap: wrap; }

/* Trust */
.trust{ display:grid; gap: 10px; max-width: 520px; margin-top:18px; }
.trust__item{ display:flex; gap:10px; align-items:center; padding: 12px 12px; border-radius: 14px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.16); }
.trust__icon{ width: 28px; height: 28px; border-radius: 10px; display:grid; place-items:center; background: rgba(242, 140, 40, 0.22); border: 1px solid rgba(242, 140, 40, 0.45); color:#fff; font-weight: 900; }
.trust__title{ color:#fff; font-weight: 900; }
.trust__desc{ color: rgba(255,255,255,0.82); font-size: 13px; }

/* Hero form card */
.hero__card{ background: rgba(255,255,255,0.95); border: 1px solid rgba(255,255,255,0.55); border-radius: var(--radius); padding: 16px; box-shadow: var(--shadow); }
.form{ display:grid; gap: 10px; margin-top: 10px; }
.form span{ display:block; font-size: 12px; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
.form input, .form select, .form textarea{ width: 100%; padding: 12px 12px; border-radius: 12px; border: 1px solid var(--border); outline: none; background: #fff; }
.grid2{ display:grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.form__hint{ font-size: 12px; color: var(--muted); }

/* Sections */
.section{ padding: 54px 0; background: #fff; }
.section--alt{ background: var(--bg); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section__head{ display:flex; align-items:flex-end; justify-content:space-between; gap: 16px; margin-bottom: 18px; }
.section__head h2{ margin:0; font-size: 30px; }

/* Cards */
.cards{ display:grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.card{ background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: 14px; box-shadow: 0 8px 18px rgba(15, 23, 42, 0.06); }
.card__media{ height: 120px; border-radius: 14px; border: 1px solid var(--border); position: relative; overflow:hidden; background: linear-gradient(135deg, rgba(36,68,99,0.8), rgba(242,140,40,0.25)); }
.card__media::after{ content:""; position:absolute; inset:0; background: linear-gradient(180deg, rgba(36,68,99,0.15), rgba(36,68,99,0.55)); }
.card h3{ margin: 10px 0 6px; font-size: 16px; }
.card p{ margin:0; font-size: 13px; }

/* Split */
.split{ display:grid; grid-template-columns: 1.05fr .95fr; gap: 16px; margin-top: 18px; }
.bullets{ margin: 12px 0 0; padding-left: 18px; }
.bullets li{ margin: 8px 0; }
.callout{ background: linear-gradient(135deg, rgba(36,68,99,0.10), rgba(242,140,40,0.10)); border: 1px solid var(--border); border-radius: var(--radius); padding: 16px; box-shadow: 0 10px 24px rgba(15, 23, 42, 0.06); }
.callout__actions{ display:flex; gap:10px; flex-wrap: wrap; margin-top: 10px; }

/* Steps */
.steps{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.step{ background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 16px; box-shadow: 0 8px 18px rgba(15, 23, 42, 0.06); }
.step__num{ width: 38px; height: 38px; border-radius: 14px; display:grid; place-items:center; background: rgba(242,140,40,0.18); border: 1px solid rgba(242,140,40,0.35); color: var(--navy); font-weight: 900; }

/* Footer */
.footer{ background: #0e2236; color: rgba(255,255,255,0.92); padding: 42px 0 18px; }
.footer__grid{ display:grid; grid-template-columns: 1.2fr 1fr 1fr 1fr; gap: 16px; }
.footer__brand{ font-weight: 900; font-size: 18px; }
.footer__title{ font-weight: 900; margin-bottom: 8px; color: #fff; }
.footer__link{ display:block; padding: 6px 0; color: rgba(255,255,255,0.86); }
.footer__bottom{ margin-top: 18px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,0.12); font-size: 13px; color: rgba(255,255,255,0.75); }

/* Sticky actions */
.sticky{ position: fixed; left: 12px; right: 12px; bottom: 10px; display:none; gap: 10px; z-index: 80; }
.sticky__btn{ flex: 1; padding: 14px 14px; border-radius: 14px; text-align:center; font-weight: 900; border: 1px solid rgba(255,255,255,0.18); background: rgba(36,68,99,0.92); color: #fff; box-shadow: var(--shadow); }
.sticky__btn--wa{ background: rgba(242,140,40,0.95); color: #1a1a1a; }

/* Responsive */
@media (max-width: 980px){
  .nav{ display:none; }
  .hamburger{ display:flex; }
  .hero__inner{ grid-template-columns: 1fr; }
  .cards{ grid-template-columns: repeat(2, 1fr); }
  .split{ grid-template-columns: 1fr; }
  .steps{ grid-template-columns: 1fr; }
  .footer__grid{ grid-template-columns: 1fr 1fr; }
  .sticky{ display:flex; }
}
@media (max-width: 520px){
  .topbar__right{ display:none; }
  .cards{ grid-template-columns: 1fr; }
  .grid2{ grid-template-columns: 1fr; }
  .footer__grid{ grid-template-columns: 1fr; }
}