*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#272088;--navy2:#1b1464;--navy3:#0d0b3d;--accent:#33cae5;--accent2:#15a8c2;
  --cream:#f6fbff;--white:#fff;--gray:#5b6785;--light:#f3fbff;--green:#16a34a;--gold:#f2b134;
}
html{scroll-behavior:smooth}
body{font-family:'Google Sans',sans-serif;background:#fff;color:var(--navy);overflow-x:hidden}
section{padding:88px 0;scroll-margin-top:110px}
img{display:block;max-width:100%}
.container{max-width:1240px;margin:0 auto;padding:0 40px}

nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(51,202,229,.07);box-shadow:0 4px 20px rgba(16,24,40,.07);transition:all .4s ease}
nav.scrolled{box-shadow:0 6px 28px rgba(16,24,40,.12)}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 44px;display:flex;align-items:center;justify-content:space-between;height:110px}
.logo{display:inline-flex;align-items:center;text-decoration:none}
.logo-img{width:200px;height:auto}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none}
.nav-links a{color:var(--navy);text-decoration:none;font-size:14px;font-weight:500;letter-spacing:.3px;transition:color .3s;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--accent);transition:width .3s}
.nav-links a:hover,.nav-links a.active{color:var(--accent)}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.nav-cta{background:var(--navy)!important;color:#fff!important;padding:9px 20px!important;border-radius:6px;font-weight:700!important}
.nav-cta::after{display:none!important}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;width:32px;padding:4px;background:transparent;border:0}
.hamburger span{display:block;width:100%;height:2px;background:var(--navy);border-radius:2px;transition:all .3s}
.mobile-menu{display:none;position:fixed;inset:72px 0 0;background:#fff;z-index:999;padding:32px 24px;flex-direction:column;gap:8px;overflow-y:auto;box-shadow:0 16px 40px rgba(0,0,0,.1)}
.mobile-menu.open{display:flex}
.mobile-menu a{color:var(--navy);text-decoration:none;font-size:17px;font-weight:700;padding:14px 16px;border-radius:10px;transition:background .2s}
.mobile-menu a:hover{background:var(--light)}
.mobile-menu .mob-cta{background:var(--navy);color:#fff!important;text-align:center;margin-top:8px}

.page-hero{min-height:570px;margin-top:110px;padding:96px 0 76px;display:flex;align-items:flex-end;position:relative;overflow:hidden;background:linear-gradient(90deg,rgba(13,11,61,.88),rgba(39,32,136,.74) 46%,rgba(51,202,229,.18)),url('../images/about-img.png') center/cover no-repeat;color:#fff}
.page-hero::after{content:'';position:absolute;inset:auto 0 0;height:160px;background:linear-gradient(0deg,rgba(13,11,61,.46),transparent);pointer-events:none}
.page-hero .container{position:relative;z-index:2}
.breadcrumb{display:flex;gap:8px;align-items:center;color:rgba(255,255,255,.72);font-size:13px;font-weight:700;margin-bottom:20px}
.breadcrumb a{color:#fff;text-decoration:none}
.hero-kicker{display:inline-flex;align-items:center;gap:9px;background:rgba(51,202,229,.16);border:1px solid rgba(51,202,229,.42);color:#e8fbff;border-radius:999px;padding:8px 14px;font-size:12px;font-weight:800;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:20px}
.hero-kicker i{color:var(--accent)}
.page-hero h1{font-size:clamp(38px,5.6vw,70px);line-height:1.03;max-width:760px;font-weight:800;letter-spacing:-.4px}
.page-hero p{max-width:650px;margin-top:18px;color:rgba(255,255,255,.86);font-size:17px;line-height:1.72}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:46px;padding:13px 24px;border-radius:6px;font-size:14px;font-weight:800;text-decoration:none;transition:transform .2s ease,background .2s ease,color .2s ease,border-color .2s ease}
.btn-primary{background:var(--accent);color:#111;border:2px solid var(--accent)}
.btn-primary:hover{transform:translateY(-2px);background:#fff;border-color:#fff}
.btn-outline{background:rgba(255,255,255,.1);color:#fff;border:2px solid rgba(255,255,255,.36)}
.btn-outline:hover{transform:translateY(-2px);background:#fff;color:var(--navy);border-color:#fff}

.section-tag{color:var(--accent2);font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin-bottom:12px;display:block}
.section-title{font-size:clamp(30px,3.5vw,48px);font-weight:800;color:var(--navy);line-height:1.13;letter-spacing:-.3px}
.section-title em{font-style:normal;color:var(--accent2)}
.section-subtitle{color:var(--gray);font-size:16px;line-height:1.75;margin-top:14px;max-width:640px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.card{background:#fff;border:1px solid rgba(15,23,42,.08);border-radius:8px;padding:28px;box-shadow:0 14px 44px rgba(39,32,136,.08);transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 56px rgba(39,32,136,.13);border-color:rgba(51,202,229,.32)}
.card-icon{width:52px;height:52px;border-radius:8px;background:rgba(51,202,229,.12);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:20px}
.card h3{font-size:20px;color:var(--navy);margin-bottom:10px}
.card p,.card li{color:var(--gray);font-size:15px;line-height:1.72}
.card ul{list-style:none;display:flex;flex-direction:column;gap:8px;margin-top:16px}
.card li{display:flex;gap:9px}
.card li i{color:var(--accent2);margin-top:5px;flex:0 0 auto}
.intro-band{background:#fff}
.intro-panel{display:grid;grid-template-columns:1.25fr .75fr;gap:34px;align-items:stretch}
.intro-copy{background:var(--light);border:1px solid rgba(51,202,229,.2);border-radius:8px;padding:36px}
.fact-list{display:grid;gap:14px}
.fact{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid rgba(15,23,42,.07);border-radius:8px;padding:18px}
.fact i{color:var(--accent2);margin-top:2px}
.fact strong{display:block;color:var(--navy);font-size:15px;margin-bottom:3px}
.fact span{display:block;color:var(--gray);font-size:14px;line-height:1.55}
.offerings{background:linear-gradient(180deg,#f7fbff 0%,#fff 100%)}
.product-block{border-top:1px solid rgba(51,202,229,.18)}
.product-block:nth-of-type(even){background:#f7fbff}
.product-copy h3{font-size:30px;color:var(--navy);margin-bottom:12px}
.product-copy p{color:var(--gray);font-size:16px;line-height:1.78;margin-bottom:18px}
.pill-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.pill{display:inline-flex;align-items:center;gap:7px;border-radius:999px;padding:8px 12px;background:#fff;border:1px solid rgba(51,202,229,.22);color:#24415d;font-size:13px;font-weight:800}
.visual-panel{background:#0d0b3d;border-radius:8px;padding:30px;min-height:320px;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden;color:#fff}
.visual-panel::before{content:'';position:absolute;inset:-30% -20% auto auto;width:260px;height:260px;background:radial-gradient(circle,rgba(51,202,229,.35),transparent 68%);border-radius:50%}
.visual-panel h4{font-size:22px;margin-bottom:12px;position:relative}
.visual-panel p{color:rgba(255,255,255,.76);line-height:1.7;position:relative}
.metric-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:28px;position:relative}
.metric{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:16px}
.metric span{display:block;color:rgba(255,255,255,.66);font-size:12px;margin-bottom:6px}
.metric strong{font-size:20px}
.process{background:#fff}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:42px}
.step{background:#f7fbff;border:1px solid rgba(51,202,229,.2);border-radius:8px;padding:22px}
.step-num{width:34px;height:34px;border-radius:8px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px}
.step h3{font-size:17px;color:var(--navy);margin-bottom:8px}
.step p{color:var(--gray);font-size:14px;line-height:1.65}
.compliance{background:#0d0b3d;color:#fff}
.compliance .section-tag,.compliance .section-title{color:#fff}
.compliance .section-subtitle{color:rgba(255,255,255,.76)}
.compliance-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:34px}
.compliance-item{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:20px}
.compliance-item span{display:block;color:rgba(255,255,255,.58);font-size:12px;text-transform:uppercase;letter-spacing:1px;margin-bottom:7px}
.compliance-item strong{display:block;color:#fff;font-size:16px;line-height:1.45}
.cta-banner{background:linear-gradient(135deg,#f7fbff 0%,#e8fbff 100%);padding:82px 0;text-align:center;border-top:1px solid rgba(51,202,229,.16)}
.cta-banner h2{font-size:clamp(30px,4vw,48px);color:var(--navy);margin-bottom:14px}
.cta-banner p{max-width:680px;margin:0 auto 28px;color:var(--gray);line-height:1.72}
.cta-banner .btn-outline{color:var(--navy);border-color:rgba(39,32,136,.3);background:#fff}
.cta-banner .btn-outline:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.note{margin-top:26px;color:var(--gray);font-size:13px;line-height:1.7}
.scroll-top{position:fixed;bottom:90px;right:28px;width:44px;height:44px;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;cursor:pointer;z-index:998;opacity:0;transform:translateY(20px);transition:all .3s;text-decoration:none}
.scroll-top.visible{opacity:1;transform:translateY(0)}
.scroll-top:hover{background:var(--accent);color:#111}
@media(max-width:1024px){.grid-3,.grid-2,.intro-panel,.compliance-grid{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){
  .container{padding:0 20px}section{padding:64px 0}.nav-links{display:none}.hamburger{display:flex}.nav-inner{height:92px;padding:0 22px}.logo-img{width:170px}
  .page-hero{margin-top:92px;min-height:560px;padding:76px 0 54px;background-position:center}.page-hero h1{font-size:40px}.page-hero p{font-size:16px}
  .grid-3,.steps,.metric-row{grid-template-columns:1fr}.intro-copy,.card,.visual-panel{padding:24px}.hero-actions{flex-direction:column;align-items:flex-start}.btn{width:100%}
}
@media(max-width:480px){.page-hero h1{font-size:34px}.compliance-item strong{font-size:15px}}

/* FOOTER */
footer{background:var(--navy2);color:rgba(255,255,255,.78);padding:72px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;
  padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-logo{text-decoration:none;margin-bottom:18px;display:inline-flex;align-items:center}
.footer-logo img{height:38px;width:auto}
.footer-logo-text{font-size:20px;font-weight:800;color:#fff;letter-spacing:-.3px}
.footer-logo-text em{color:var(--accent);font-style:normal}
.footer-desc{font-size:14px;line-height:1.8;margin-bottom:26px}
.footer-socials{display:flex;gap:10px}
.foot-social{width:38px;height:38px;border-radius:8px;
  background:rgba(255,255,255,.06);display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.78);font-size:14px;transition:all .3s;text-decoration:none}
.foot-social:hover{background:var(--accent);color:#fff}
.footer-col h4{color:#fff;font-size:13px;font-weight:700;letter-spacing:.5px;
  margin-bottom:22px;text-transform:uppercase}
.footer-links{display:flex;flex-direction:column;gap:11px;list-style:none}
.footer-links a{color:rgba(255,255,255,.7);text-decoration:none;font-size:14px;transition:color .3s}
.footer-links a:hover{color:var(--accent)}
.footer-contact-item{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px}
.footer-contact-item i{color:var(--accent);margin-top:3px;width:16px;font-size:13px}
.footer-contact-item span{font-size:13px;line-height:1.6}

.disclaimer-bottom { display: flex; font-size: 13px;
  border-bottom: 1px solid rgba(255,255,255,.07); padding: 20px 0;
  flex-direction: column; align-items: center; }

.footer-bottom{padding:22px 0;display:flex;justify-content:space-between;
  align-items:center;flex-wrap:wrap;gap:14px}
.footer-bottom p{font-size:13px}
.footer-bottom-links{display:flex;gap:22px;list-style:none}
.footer-bottom-links a{color:rgba(255,255,255,.65);text-decoration:none;
  font-size:13px;transition:color .3s}
.footer-bottom-links a:hover{color:var(--accent)}
/* DISCLAIMER */
.disclaimer{background:#0d0b3d;color:rgba(255,255,255,.45);font-size:11.5px;
  text-align:center;padding:14px 40px;line-height:1.7}
/* SCROLL TOP */
.scroll-top{position:fixed;bottom:32px;right:32px;width:46px;height:46px;
  background:var(--accent);border-radius:50%;display:flex;align-items:center;
  justify-content:center;color:#111;font-size:17px;cursor:pointer;z-index:999;
  opacity:0;transform:translateY(20px);transition:all .3s;
  box-shadow:0 8px 24px rgba(51,202,229,.4);text-decoration:none}
.scroll-top.visible{opacity:1;transform:translateY(0)}
.scroll-top:hover{background:var(--accent)}