:root{--navy:#0d3a59;--navy2:#164f77;--cream:#fdecda;--teal:#0b98bb;--ink:#17202a;--mute:#5b6b78;--line:#e3e8ed;--bg:#fff;--alt:#fbf6ef;--bad:#b3261e}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:16px/1.6 Montserrat,system-ui,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%}a{color:var(--navy2)}
.wrap{width:min(1120px,100% - 40px);margin:0 auto}.narrow{max-width:640px}.center{text-align:center}.small{font-size:13px;color:var(--mute)}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy)}h1{font-size:clamp(30px,4.6vw,52px);letter-spacing:-.5px}h2{font-size:clamp(24px,3vw,34px)}h3{font-size:18px}
.lead{font-size:clamp(17px,1.6vw,20px)}.sub{color:var(--mute);max-width:56ch}
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:600;padding:10px 20px;border-radius:999px;border:2px solid var(--teal);cursor:pointer;font-family:inherit;font-size:15px;transition:.15s}
.btn:hover{background:#08809d;border-color:#08809d}.btn.big{padding:14px 28px;font-size:16px}
.btn.ghost{background:transparent;color:var(--cream);border-color:var(--cream)}.btn.ghost:hover{background:var(--cream);color:var(--navy)}
/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:24px;min-height:68px}.brand img{width:156px;height:56px;object-fit:contain;display:block}
.top nav{display:flex;gap:22px;margin-left:auto}.top nav a{color:var(--navy);text-decoration:none;font-weight:500;font-size:15px}.top nav a:hover{color:var(--teal)}
/* hero */
.hero{background:var(--navy);color:var(--cream);position:relative;overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.25fr .75fr;gap:30px;align-items:center;padding:clamp(40px,7vw,90px) 0}
.hero h1{color:#fff}.hero .lead{color:var(--cream);opacity:.92;max-width:52ch}.eyebrow{color:var(--teal);font-weight:700;letter-spacing:1.5px;text-transform:uppercase;font-size:13px;margin:0 0 14px;filter:brightness(1.5)}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hexes{position:relative;height:360px}.hexes i{position:absolute;width:140px;height:162px;clip-path:polygon(50% 0,100% 25%,100% 75%,50% 100%,0 75%,0 25%);background:rgba(253,236,218,.10)}
.hexes i:nth-child(1){left:10px;top:20px}.hexes i:nth-child(2){left:140px;top:20px;background:rgba(11,152,187,.55)}.hexes i:nth-child(3){left:75px;top:132px;background:var(--cream)}
.hexes i:nth-child(4){left:205px;top:132px}.hexes i:nth-child(5){left:10px;top:244px;background:rgba(253,236,218,.18)}.hexes i:nth-child(6){left:140px;top:244px;background:rgba(11,152,187,.3)}.hexes i:nth-child(7){left:270px;top:20px;background:rgba(253,236,218,.16)}
/* assurances */
.assure{background:var(--cream)}.assure ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.assure li{padding:20px 0;display:flex;flex-direction:column;color:var(--navy)}.assure b{font-size:17px}.assure span{font-size:14px;color:#4a5b68}
/* sections */
.block{padding:clamp(48px,7vw,88px) 0}.block.alt{background:var(--alt)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;transition:.18s}.card:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(13,58,89,.10);border-color:#cfdbe4}
.card p{margin:0;color:var(--mute);font-size:15px}
.hex{display:inline-grid;place-items:center;width:54px;height:62px;background:var(--navy);clip-path:polygon(50% 0,100% 25%,100% 75%,50% 100%,0 75%,0 25%);margin-bottom:14px}
.hex svg{width:26px;height:26px;fill:none;stroke:var(--cream);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}.hex.big{width:84px;height:97px}.hex.big svg{width:40px;height:40px}
.steps{list-style:none;margin:30px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.steps li{background:#fff;border-radius:16px;padding:24px;border:1px solid var(--line)}.steps b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--teal);color:#fff;margin-bottom:12px}.steps p{margin:0;color:var(--mute);font-size:15px}
.two{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(24px,5vw,64px);align-items:start}
.terms{margin:0;display:grid;grid-template-columns:150px 1fr;gap:0}.terms dt,.terms dd{padding:14px 0;border-top:1px solid var(--line);margin:0}.terms dt{font-weight:700;color:var(--navy)}
.ticks{list-style:none;padding:0;margin:20px 0}.ticks li{padding-left:28px;position:relative;margin:8px 0}.ticks li::before{content:"";position:absolute;left:0;top:6px;width:16px;height:16px;border-radius:50%;background:var(--teal)}
/* form */
.form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:clamp(18px,3vw,30px);display:grid;gap:16px;box-shadow:0 8px 28px rgba(13,58,89,.06)}
.form label{display:block;font-weight:600;font-size:14px;color:var(--navy)}.form label>input:not([type=checkbox]),.form label>textarea{display:block;margin-top:6px}.opt{font-weight:400;color:var(--mute)}.form label>em{display:block;margin-top:4px}
.form input:not([type=checkbox]),.form textarea{font:inherit;font-weight:400;color:var(--ink);border:1.5px solid #cfd8e0;border-radius:10px;padding:11px 13px;width:100%;background:#fff}
.form input:focus,.form textarea:focus{outline:3px solid rgba(11,152,187,.25);border-color:var(--teal)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}fieldset{border:0;padding:0;margin:0}legend{font-weight:600;font-size:14px;color:var(--navy);margin-bottom:8px}
.checks{display:flex;flex-wrap:wrap;gap:8px}.chk{display:flex!important;grid-template-columns:none!important;align-items:flex-start;gap:8px!important;font-weight:400!important;color:var(--ink)!important}
.checks .chk{border:1.5px solid #cfd8e0;border-radius:999px;padding:7px 14px;cursor:pointer;font-size:14px;align-items:center}.checks .chk:has(input:checked){background:var(--navy);color:#fff!important;border-color:var(--navy)}
.checks input{accent-color:var(--teal)}.consent{font-size:13px!important;color:var(--mute)!important}.consent input{margin-top:3px;accent-color:var(--teal)}
em{color:var(--bad);font-style:normal;font-size:13px;font-weight:500}.err.box{background:#fdecea;color:var(--bad);border-radius:10px;padding:10px 14px;margin:0;font-weight:600;font-size:14px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* footer */
footer{background:var(--navy);color:var(--cream);padding:34px 0;font-size:14px}.foot{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:20px;align-items:start}
footer a{color:var(--cream)}.foot .mark{height:34px;width:34px;border-radius:8px;vertical-align:middle;margin-right:10px}.foot .small{color:rgba(253,236,218,.7);text-align:right}
@media(max-width:900px){.hero-in{grid-template-columns:1fr}.hexes{display:none}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.two{grid-template-columns:1fr}.assure ul{grid-template-columns:1fr 1fr}.top nav{display:none}.bar{justify-content:space-between}.foot{grid-template-columns:1fr}.foot .small{text-align:left}}
@media(max-width:560px){.cards,.steps,.row2{grid-template-columns:1fr}.terms{grid-template-columns:1fr}.terms dt{border-bottom:0;padding-bottom:0}.terms dd{border-top:0;padding-top:4px}.assure ul{grid-template-columns:1fr}.brand img{width:117px;height:42px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}