*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#272088;--navy2:#1b1464;--navy3:#0d0b3d;--gold:#33cae5;--gold-light:#8fefff;
  --cream:#f6fbff;--white:#ffffff;--gray:#5b6785;--light:#f3fbff;--accent:#33cae5;
}
html{scroll-behavior:smooth}
body{font-family:'Google Sans',sans-serif;background:#fff;color:var(--navy);overflow-x:hidden}
section{padding:90px 0;scroll-margin-top:100px}
.container{max-width:1240px;margin:0 auto;padding:0 40px}





/* ─── NAVBAR ─── */
nav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(51,202,229,.07);
  padding: 0;
  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; gap: 10px; text-decoration: none; }
.logo-img {
  width: 200px; height: auto;
}

.logo-text { font-size: 21px; font-weight: 800; color: var(--navy); letter-spacing: -.5px; line-height: 1; }
.logo-text em { color: var(--accent); font-style: normal; }
.logo-sub { font-size: 10px; color: var(--gray); font-weight: 500; letter-spacing: .5px; margin-top: 2px; }

.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: 600 !important;
  transition: background .3s !important;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--accent) !important; color: #fff !important; }

/* Mobile menu */
.hamburger {
  display: none; flex-direction: column; gap: 5px; cursor: pointer;
  width: 32px; padding: 4px;
}
.hamburger span { display: block; 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: 600;
  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; border-radius: 10px; margin-top: 8px;
}








/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,#f7fbff 0%,#e8fbff 56%,#fff 100%);padding:140px 0 80px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;top:-20%;right:-10%;
  width:600px;height:600px;
  background:radial-gradient(circle,rgba(51,202,229,.15) 0%,transparent 70%);
  border-radius:50%;pointer-events:none}
.hero-grid{position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);
  background-size:60px 60px}
.page-hero-content{position:relative;z-index:2}
.page-hero h1{font-size:clamp(36px,5vw,58px);font-weight:800;color:#272088;
  line-height:1.1;margin-bottom:18px;letter-spacing:-1px}
.page-hero h1 em{color:var(--accent);font-style:normal}
.page-hero p{color:#5b6785;font-size:17px;line-height:1.75;max-width:560px}
.breadcrumb{display:flex;align-items:center;gap:8px;margin-bottom:22px;
  color:rgba(62,62,62,.58);font-size:13px}
.breadcrumb a{color:var(--accent);text-decoration:none}
.breadcrumb span{color:rgba(62,62,62,.35)}
/* SECTION TITLES */
.section-tag{color:var(--accent);font-size:12px;font-weight:700;
  letter-spacing:2px;text-transform:uppercase;margin-bottom:12px;display:block}
.section-title{font-size:clamp(30px,3.5vw,46px);font-weight:800;
  color:var(--navy);line-height:1.15;letter-spacing:-.5px}
.section-title em{font-style:normal;color:var(--accent)}
.section-subtitle{color:var(--gray);font-size:16px;line-height:1.7;
  margin-top:14px;max-width:560px}
/* CARDS */
.card{background:#fff;border:1px solid rgba(0,0,0,.07);border-radius:16px;
  padding:36px;transition:all .35s;position:relative;overflow:hidden}
.card::before{content:'';position:absolute;bottom:0;left:0;
  width:100%;height:3px;background:var(--accent);
  transform:scaleX(0);transform-origin:left;transition:transform .35s}
.card:hover{transform:translateY(-6px);box-shadow:0 20px 60px rgba(0,0,0,.1);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card-icon{width:58px;height:58px;
  background:linear-gradient(135deg,rgba(51,202,229,.15),rgba(51,202,229,.05));
  border:1px solid rgba(51,202,229,.2);border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;color:var(--gold);margin-bottom:22px;transition:all .35s}
.card:hover .card-icon{background:var(--navy);color:#fff;border-color:var(--navy)}
.card h3{font-size:19px;font-weight:700;color:var(--navy);margin-bottom:10px}
.card p{color:var(--gray);font-size:15px;line-height:1.7}
/* GRID HELPERS */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:40px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
/* BUTTONS */
.btn-primary{background:var(--navy);color:#fff;padding:14px 32px;border-radius:4px;
  font-weight:700;font-size:15px;text-decoration:none;display:inline-flex;
  align-items:center;gap:10px;transition:all .3s;border:2px solid var(--navy)}
.btn-primary:hover{background:var(--accent);border-color:var(--accent);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--navy);padding:14px 32px;border-radius:4px;
  font-weight:600;font-size:15px;text-decoration:none;display:inline-flex;
  align-items:center;gap:10px;border:2px solid var(--navy);transition:all .3s}
.btn-outline:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-accent{background:var(--accent);color:#fff;padding:14px 32px;border-radius:4px;
  font-weight:700;font-size:15px;text-decoration:none;display:inline-flex;
  align-items:center;gap:10px;transition:all .3s;border:2px solid var(--accent)}
.btn-accent:hover{background:var(--navy);border-color:var(--navy);transform:translateY(-2px)}
/* HIGHLIGHT BOX */
.highlight-box{background:var(--navy);border-radius:20px;padding:48px;color:#fff}
.highlight-box h3{font-size:26px;font-weight:800;margin-bottom:12px}
.highlight-box p{color:rgba(255,255,255,.8);line-height:1.7}
/* STATS STRIP */
.stats-strip{background:var(--navy);padding:60px 0;position:relative;overflow:hidden}
.stats-strip::before{content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);
  background-size:40px 40px}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);
  gap:2px;position:relative;z-index:2}
.stat-item{text-align:center;padding:36px 20px;
  border-right:1px solid rgba(255,255,255,.07)}
.stat-item:last-child{border:none}
.stat-num{font-size:48px;font-weight:800;color:var(--gold-light);line-height:1;margin-bottom:8px}
.stat-lbl{color:rgba(255,255,255,.8);font-size:14px}
/* CTA BANNER */
.cta-banner{background:linear-gradient(135deg,var(--navy),#33cae5);padding:80px 0;text-align:center;position:relative;overflow:hidden}
.cta-banner::before{content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);
  background-size:60px 60px}
.cta-banner .container{position:relative;z-index:2}
.cta-banner h2{font-size:clamp(28px,4vw,46px);font-weight:800;color:#fff;margin-bottom:16px}
.cta-banner h2 em{color:var(--gold-light);font-style:normal}
.cta-banner p{color:rgba(255,255,255,.8);font-size:17px;margin-bottom:36px}
.cta-buttons{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
/* 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)}
/* FORM */
.form-group{margin-bottom:20px}
.form-label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-input{width:100%;padding:12px 16px;border:1.5px solid rgba(51,202,229,.2);
  border-radius:8px;font-size:15px;font-family:inherit;color:var(--navy);
  background:#fff;transition:border-color .3s;outline:none}
.form-input:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(51,202,229,.12)}
select.form-input{cursor:pointer}
textarea.form-input{resize:vertical;min-height:130px}
/* ACCORDION / FAQ */
.faq-item{border:1px solid rgba(51,202,229,.1);border-radius:12px;
  margin-bottom:14px;overflow:hidden;transition:box-shadow .3s}
.faq-item.open{box-shadow:0 8px 30px rgba(0,0,0,.08)}
.faq-q{display:flex;justify-content:space-between;align-items:center;
  padding:22px 24px;cursor:pointer;font-weight:600;font-size:16px;
  color:var(--navy);background:#fff;transition:background .3s;user-select:none}
.faq-item.open .faq-q{background:var(--navy);color:#fff}
.faq-icon{width:32px;height:32px;border-radius:50%;
  background:rgba(51,202,229,.08);display:flex;align-items:center;
  justify-content:center;font-size:13px;flex-shrink:0;transition:all .3s}
.faq-item.open .faq-icon{background:rgba(255,255,255,.2);color:#fff;transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .4s;
  font-size:15px;line-height:1.75;color:var(--gray);
  padding:0 24px;background:#fff}
.faq-item.open .faq-a{max-height:400px;padding:18px 24px 24px}
/* TABLE */
.tbl{width:100%;border-collapse:collapse;font-size:14px}
.tbl th{background:var(--navy);color:#fff;padding:14px 18px;text-align:left;font-weight:600}
.tbl td{padding:13px 18px;border-bottom:1px solid rgba(0,0,0,.06);color:var(--gray)}
.tbl tr:hover td{background:var(--light)}
.badge-green{background:rgba(52,211,153,.15);color:#059669;padding:4px 10px;
  border-radius:50px;font-size:12px;font-weight:600}
.badge-blue{background:rgba(51,202,229,.12);color:var(--navy);padding:4px 10px;
  border-radius:50px;font-size:12px;font-weight:600}
/* RESPONSIVE */
@media(max-width:1024px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .container{padding:0 20px}
  section{padding:60px 0}
  .grid-3,.grid-2,.grid-4{grid-template-columns:1fr}
  .nav-links{display:none}
  .page-hero{padding:110px 0 60px}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
  .footer-bottom-links{flex-wrap:wrap;justify-content:center}
}