:root{--bg:#ffffff;--soft:#eef7f8;--navy:#0d2a3a;--teal:#0e8a94;--teal2:#0a6a72;--blue:#1f5f9e;--muted:#4b6070;--line:#d6e6ea}
*{box-sizing:border-box;margin:0;padding:0}
body{background:var(--bg);color:var(--navy);font:17px/1.7 'Manrope',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--teal2)}
img{max-width:100%;display:block}
.wrap{max-width:1100px;margin:0 auto;padding:0 22px}
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand img{height:46px;width:auto}
nav a{color:var(--muted);text-decoration:none;font-weight:600;margin-left:24px;font-size:.95rem}
nav a:hover,nav a.on{color:var(--teal)}
.menu{display:none;background:none;border:1px solid var(--line);color:var(--navy);border-radius:8px;padding:6px 12px;font:600 .9rem 'Manrope',sans-serif}
@media(max-width:760px){.menu{display:block}nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 22px 18px}nav.open{display:block}nav a{display:block;margin:14px 0}}
.hero{background:linear-gradient(160deg,#f4fbfc 0%,#e3f2f4 55%,#dbe9f5 100%);position:relative;overflow:hidden}
.hero:before{content:'';position:absolute;right:-120px;top:-60px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(14,138,148,.18),transparent 65%)}
.hero .wrap{position:relative;padding-top:96px;padding-bottom:96px;max-width:900px}
.eyebrow{text-transform:uppercase;letter-spacing:.24em;font-size:.75rem;font-weight:700;color:var(--teal)}
h1{font:700 clamp(2.5rem,6.5vw,4.2rem)/1.06 'Manrope',sans-serif;letter-spacing:-.02em;margin:.3em 0 .35em}
h2{font:700 clamp(1.7rem,3.6vw,2.4rem)/1.15 'Manrope',sans-serif;letter-spacing:-.01em;margin-bottom:.55em}
h3{font:700 1.2rem/1.3 'Manrope',sans-serif;margin-bottom:.35em}
.lead{font-size:1.18rem;color:var(--muted);max-width:680px}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.btn{display:inline-block;padding:13px 24px;border-radius:10px;text-decoration:none;font-weight:700;background:var(--teal);color:#fff;border:1px solid var(--teal)}
.btn.ghost{background:#fff;color:var(--teal2);border-color:var(--line)}
section{padding:82px 0}
section.soft{background:var(--soft)}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.grid2{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px}
.card p{color:var(--muted)}
.track{border-top:5px solid var(--teal)}
.track.b{border-top-color:var(--blue)}
.track ul{margin:14px 0 0 1.1em;color:var(--muted)}
.steps{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));counter-reset:s;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;font-weight:700;text-align:center}
.steps li:before{content:counter(s);display:block;margin:0 auto 8px;width:30px;height:30px;line-height:30px;border-radius:50%;background:var(--teal);color:#fff;font-size:.85rem}
.prose p{margin-bottom:1.05em}
.prose h2{margin-top:1.2em}
.disclaimer{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:10px}
footer{background:var(--navy);color:#bcd0da;padding:44px 0;font-size:.9rem}
footer .wrap{display:grid;gap:14px}
footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px}
footer a{color:#fff;margin-right:16px}
footer .disc{font-size:.82rem;color:#9fb6c2;max-width:900px}