@import "https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&display=swap";:root{--navy:#003566;--navy-dark:#002347;--navy-light:#0a4a85;--gold:#f0b429;--cream:#fdf8f0;--white:#fff;--gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-600:#4b5563;--gray-700:#374151;--gray-900:#111827;--font:"Montserrat", sans-serif;--radius:6px;--shadow:0 4px 20px #0035661f}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--gray-900);background:var(--white);-webkit-font-smoothing:antialiased;line-height:1.6}img{max-width:100%;height:auto;display:block}a{color:inherit;text-decoration:none}.nav{background:var(--navy);z-index:100;padding:0 2rem;position:sticky;top:0}.nav__inner{justify-content:space-between;align-items:center;max-width:1200px;height:132px;margin:0 auto;display:flex}.nav__logo{flex-shrink:0;align-items:center;height:132px;display:flex}.nav__logo img{width:auto;max-width:none;height:120px}.nav__links{align-items:center;gap:2rem;list-style:none;display:flex}.nav__links a{color:var(--white);opacity:.9;font-size:.875rem;font-weight:500;transition:opacity .15s}.nav__links a:hover{opacity:1}.nav__links .btn-login{border-radius:var(--radius);background:0 0;border:1px solid #fff6;padding:.4rem 1rem;transition:background .15s,border-color .15s}.nav__links .btn-login:hover{background:#ffffff1a;border-color:#ffffffb3}.nav__hamburger{cursor:pointer;flex-direction:column;gap:5px;padding:4px;display:none}.nav__hamburger span{background:#fff;border-radius:2px;width:24px;height:2px}@media (width<=768px){.nav__links{display:none}.nav__hamburger{display:flex}}.footer{background:var(--navy-dark);color:#ffffffb3;text-align:center;padding:3rem 2rem;font-size:.875rem}.footer a{color:#ffffffb3;transition:color .15s}.footer a:hover{color:#fff}.footer__links{flex-wrap:wrap;justify-content:center;gap:2rem;margin-bottom:1.5rem;list-style:none;display:flex}.btn{border-radius:var(--radius);font-family:var(--font);cursor:pointer;text-align:center;padding:.75rem 2rem;font-size:.9375rem;font-weight:600;transition:transform .15s,box-shadow .15s,background .15s;display:inline-block}.btn:hover{box-shadow:var(--shadow);transform:translateY(-1px)}.btn:active{transform:translateY(0)}.btn-primary{background:var(--navy);color:var(--white)}.btn-primary:hover{background:var(--navy-light)}.btn-cream{background:var(--cream);color:var(--navy)}.btn-cream:hover{background:#f5ede0}.btn-gold{background:var(--gold);color:var(--navy-dark)}.btn-gold:hover{background:#d9a020}.section{padding:5rem 2rem}.section--navy{background:var(--navy);color:var(--white)}.section--gray{background:var(--gray-50)}.container{max-width:1100px;margin:0 auto}.section__title{margin-bottom:1rem;font-size:clamp(1.75rem,3vw,2.5rem);font-weight:700}.section__subtitle{opacity:.8;max-width:600px;margin-bottom:3rem;font-size:1.125rem}.hero{align-items:flex-end;min-height:520px;padding:4rem 2rem;display:flex;position:relative;overflow:hidden}.hero__bg{object-fit:cover;z-index:0;width:100%;height:100%;position:absolute;inset:0}.hero__overlay{z-index:1;background:#00000040;position:absolute;inset:0}.hero__content{z-index:2;width:100%;max-width:1100px;margin:0 auto;position:relative}.hero__title{color:var(--white);max-width:700px;margin-bottom:2rem;font-size:clamp(2rem,5vw,3.75rem);font-weight:700;line-height:1.15}.grid-2{grid-template-columns:1fr 1fr;align-items:start;gap:3rem;display:grid}.grid-3{grid-template-columns:repeat(3,1fr);gap:2rem;display:grid}@media (width<=900px){.grid-2,.grid-3{grid-template-columns:1fr}}.card{background:var(--white);box-shadow:var(--shadow);border-radius:12px;padding:2rem}.card--navy{background:var(--navy-light);color:var(--white)}.steps{flex-direction:column;gap:1.25rem;margin-top:1.5rem;list-style:none;display:flex}.steps li{align-items:flex-start;gap:1rem;font-size:1rem;display:flex}.steps li:before{content:"";background:var(--gold);border-radius:50%;flex-shrink:0;width:8px;height:8px;margin-top:.5rem}.faq-list{border:1px solid var(--gray-200);border-radius:12px;flex-direction:column;gap:0;display:flex;overflow:hidden}.faq-item{border-bottom:1px solid var(--gray-200)}.faq-item:last-child{border-bottom:none}.faq-item summary{cursor:pointer;justify-content:space-between;align-items:center;padding:1.25rem 1.5rem;font-size:1rem;font-weight:600;list-style:none;transition:background .15s;display:flex}.faq-item summary:hover{background:var(--gray-50)}.faq-item summary:after{content:"+";color:var(--navy);flex-shrink:0;font-size:1.25rem;font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item p{color:var(--gray-600);padding:0 1.5rem 1.25rem;line-height:1.7}.page-hero{background:var(--navy);color:var(--white);text-align:center;padding:5rem 2rem}.page-hero h1{margin-bottom:1rem;font-size:clamp(2rem,4vw,3rem);font-weight:700}.page-hero p{opacity:.85;max-width:600px;margin:0 auto;font-size:1.125rem}