:root{--navy:#13265c;--navy2:#1b3a8f;--blue:#2453e6;--sky:#eef3fe;--bg2:#f6f8fc;--ink:#1b2336;--mut:#5c6478;--line:#e4e9f3;--gold:#c9a227;--ok:#0f9d58}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font:16px/1.7 'Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,Inter,Arial,sans-serif;color:var(--ink);background:#fff}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
a{color:var(--blue)}
img{max-width:100%}
/* header */
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:90}
.nav{display:flex;align-items:center;gap:20px;padding:15px 0;flex-wrap:wrap}
.logo{font-weight:800;color:var(--navy);text-decoration:none;font-size:20px;letter-spacing:-.3px;display:flex;align-items:center;gap:8px}
.logo b{color:var(--blue)}
.flag{display:inline-block;width:20px;height:13px;background:linear-gradient(90deg,#0055A4 33%,#fff 33% 66%,#EF4135 66%);border-radius:2.5px;box-shadow:0 0 0 1px var(--line)}
.nav .links{display:flex;gap:18px;flex-wrap:wrap;margin-left:auto}
.nav .links a{color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500}
.nav .links a:hover{color:var(--blue)}
.lang{display:flex;gap:8px;border-left:1px solid var(--line);padding-left:16px;font-size:13px}
.lang a{color:var(--mut);text-decoration:none;font-weight:600}.lang a.on{color:var(--blue)}
.nav .cta-btn{background:var(--blue);color:#fff;text-decoration:none;font-weight:700;font-size:14px;padding:10px 18px;border-radius:9px}
.nav .cta-btn:hover{background:var(--navy)}
/* buttons */
.btn{display:inline-block;background:var(--blue);color:#fff;padding:13px 28px;border-radius:10px;text-decoration:none;font-weight:700;border:none;font-size:15.5px;cursor:pointer;transition:.15s}
.btn:hover{background:var(--navy);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.55)}
.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.light{background:#fff;color:var(--navy)}
/* slider */
.slider{position:relative;overflow:hidden;background:var(--navy)}
.slides{display:flex;transition:transform .55s cubic-bezier(.4,0,.2,1)}
.slide{min-width:100%;height:290px;display:flex;align-items:center;color:#fff;position:relative}
.slide .wrap{position:relative;z-index:2}
.slide h2{font-size:clamp(22px,3vw,33px);color:#fff;letter-spacing:-.4px;margin-bottom:8px;max-width:720px}
.slide p{color:#cbd7f4;max-width:640px;font-size:15.5px;margin-bottom:16px}
.slide.s0{background:linear-gradient(120deg,#13265c 0%,#1b3a8f 55%,#2453e6 130%)}
.slide.s1{background:linear-gradient(120deg,#101f4d 0%,#1b3a8f 50%,#4f46e5 140%)}
.slide.s2{background:linear-gradient(120deg,#0e1c45 0%,#234a9e 60%,#2aa3d6 150%)}
.slide:after{content:'';position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 65%)}
.dots{position:absolute;bottom:14px;left:0;right:0;display:flex;gap:8px;justify-content:center;z-index:3}
.dots button{width:9px;height:9px;border-radius:50%;border:none;background:rgba(255,255,255,.4);cursor:pointer;padding:0}
.dots button.on{background:#fff;width:22px;border-radius:6px}
/* stats */
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px;padding:18px 22px}
.stat{text-align:center;padding:8px 6px}
.stat b{display:block;font-size:21px;color:var(--navy);letter-spacing:-.3px}
.stat span{font-size:13px;color:var(--mut)}
/* breadcrumbs + hero */
.crumbs{font-size:13px;color:var(--mut);padding:16px 0 0}
.crumbs a{color:var(--mut);text-decoration:none}.crumbs a:hover{color:var(--blue)}
.hero{padding:34px 0 38px;background:linear-gradient(180deg,var(--sky),#fff)}
.hero.inner{padding:26px 0 34px}
h1{font-size:clamp(27px,3.8vw,40px);line-height:1.16;color:var(--navy);letter-spacing:-.6px;max-width:880px}
.lead{font-size:17.5px;color:var(--mut);max-width:820px;margin:14px 0 22px}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.btn-sub{font-size:13px;color:var(--mut)}
.update{background:#eefaf2;border:1px solid #bfe8cd;border-left:4px solid var(--ok);border-radius:10px;padding:13px 18px;margin:20px 0;font-size:14.5px;max-width:860px}
/* sections */
main{padding:10px 0 30px}
section.band{padding:34px 0}
section.band.alt{background:var(--bg2)}
h2{font-size:25px;color:var(--navy);margin:0 0 14px;letter-spacing:-.4px}
.band p,.band ul,.band ol{margin:11px 0;max-width:860px}
.band ul,.band ol{padding-left:22px}
.band li{margin:6px 0}
/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:16px;margin:22px 0 6px}
.card{border:1px solid var(--line);border-top:3px solid var(--blue);border-radius:13px;padding:22px;background:#fff;display:flex;flex-direction:column;transition:.18s}
.card:hover{box-shadow:0 10px 28px rgba(19,38,92,.10);transform:translateY(-2px)}
.card h3{color:var(--navy);font-size:17.5px;margin-bottom:8px;letter-spacing:-.2px}
.card p{color:var(--mut);font-size:14.5px;flex:1;margin:0}
.card a.more{color:var(--blue);font-weight:700;text-decoration:none;font-size:14.5px;margin-top:14px}
/* track cards (bright, spaceship-style) */
.tgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:18px;margin:24px 0 8px}
.tcard{position:relative;overflow:hidden;border-radius:18px;padding:26px 24px;color:#fff;text-decoration:none;display:flex;flex-direction:column;transition:.2s;box-shadow:0 8px 24px rgba(19,38,92,.13)}
.tcard:hover{transform:translateY(-4px);box-shadow:0 18px 44px rgba(19,38,92,.24)}
.tcard:after{content:'';position:absolute;right:-90px;top:-90px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.2),transparent 65%)}
.tcard .kick{position:relative;z-index:2;font-size:11px;font-weight:800;letter-spacing:1.1px;text-transform:uppercase;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.28);padding:5px 12px;border-radius:30px;align-self:flex-start;margin-bottom:16px}
.tcard h3{position:relative;z-index:2;color:#fff;font-size:21.5px;margin-bottom:10px;letter-spacing:-.3px}
.tcard p{position:relative;z-index:2;color:rgba(255,255,255,.85);font-size:14.5px;flex:1;margin:0 0 20px}
.tcard .go{position:relative;z-index:2;display:block;text-align:center;background:#fff;color:var(--navy);font-weight:800;font-size:15.5px;padding:15px 20px;border-radius:12px;transition:.15s}
.tcard:hover .go{transform:translateY(-1px);box-shadow:0 6px 16px rgba(0,0,0,.18)}
.tcard.t0{background:linear-gradient(135deg,#13265c,#2453e6)}
.tcard.t1{background:linear-gradient(135deg,#41208f,#8b5cf6)}
.tcard.t2{background:linear-gradient(135deg,#0b5394,#2aa3d6)}
.tcard.t3{background:linear-gradient(135deg,#0b6e54,#16b88a)}
/* socials */
.socials{display:flex;gap:10px;margin-top:14px}
.socials a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);display:flex;align-items:center;justify-content:center;transition:.15s}
.socials a:hover{background:rgba(255,255,255,.2)}
.socials svg{width:17px;height:17px;fill:#cdd8f3}
/* steps */
.steps{counter-reset:s;list-style:none;padding:0!important;margin:18px 0;max-width:780px}
.steps li{counter-increment:s;padding:11px 0 11px 56px;position:relative;border-bottom:1px dashed var(--line)}
.steps li:before{content:counter(s);position:absolute;left:0;top:9px;width:36px;height:36px;border-radius:11px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:15px}
/* tables */
table{border-collapse:collapse;width:100%;margin:18px 0;font-size:14.5px;background:#fff}
th,td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
th{background:var(--sky);color:var(--navy)}
td.price{white-space:nowrap;font-weight:800;color:var(--navy);font-size:15.5px}
/* faq */
details{border:1px solid var(--line);border-radius:11px;padding:15px 20px;margin:10px 0;max-width:880px;background:#fff}
summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:15.5px}
details p{margin-top:10px;color:var(--ink)}
/* forms */
.magnet{background:linear-gradient(115deg,var(--navy),var(--navy2));border-radius:16px;padding:30px;margin:34px 0;color:#fff}
.magnet h2{color:#fff;margin-bottom:6px}
.magnet p{color:#c8d4f2;font-size:14.5px;max-width:760px}
.magnet form{display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:10px;margin-top:16px;align-items:end}
.magnet input,.magnet select{background:rgba(255,255,255,.97)}
.assess{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;margin:34px 0;box-shadow:0 8px 30px rgba(19,38,92,.07)}
.assess h2{margin-bottom:6px}
.assess>p{color:var(--mut);font-size:14.5px}
.assess form{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
.assess .full{grid-column:1/-1}
label{display:block;font-weight:600;margin:0 0 5px;color:var(--navy);font-size:13.5px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;font:inherit;font-size:14.5px;background:#fff}
textarea{min-height:96px}
.fmsg{font-size:13.5px;margin-top:8px;color:var(--gold);grid-column:1/-1}
.hp{display:none!important}
/* roles */
.roles{background:var(--bg2);border-radius:16px;padding:30px;margin:34px 0}
.roles .grid{margin-top:14px}
.roles .card{border-top-color:var(--gold)}
/* cta band */
.cta-band{background:linear-gradient(115deg,var(--navy),var(--blue));border-radius:16px;padding:38px;margin:36px 0;color:#fff;text-align:center}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{color:#cdd9f6;margin-bottom:18px}
/* footer */
footer{background:var(--navy);color:#b9c5e6;margin-top:46px;padding:44px 0 26px;font-size:14px}
footer h4{color:#fff;font-size:14.5px;margin-bottom:12px;letter-spacing:.2px}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px}
footer a{color:#b9c5e6;text-decoration:none}
footer a:hover{color:#fff}
footer ul{list-style:none}
footer li{margin:7px 0}
.f-sources{font-size:12.5px;color:#8d9cc7;margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12)}
.f-sources a{color:#9fb0d9}
.disclaimer{font-size:12px;color:#8d9cc7;line-height:1.65;margin-top:12px;max-width:1000px}
.disclaimer a{color:#9fb0d9;text-decoration:underline}
.copy{font-size:12.5px;color:#8d9cc7;margin-top:16px}
@media(max-width:860px){.magnet form{grid-template-columns:1fr 1fr}.assess form{grid-template-columns:1fr}}
@media(max-width:640px){.nav .links{gap:11px;font-size:13px}.magnet form{grid-template-columns:1fr}.slide{height:310px}}