*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#08285a;--teal:#0c8b91;--light:#f6fbfc;--text:#102c54;--muted:#52657d;--border:#dce7ea}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}
a{text-decoration:none;color:inherit}
.topbar{background:var(--navy);color:#fff;text-align:center;padding:7px 15px;font-size:12px}
header{border-bottom:1px solid #e5e9ee;background:#fff}
.nav{max-width:1180px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:15px 20px}
.logo{font-size:21px;font-weight:800;color:var(--navy);display:flex;gap:8px;align-items:center}.logo span{color:var(--teal)}
.logo-icon{font-size:26px}
.menu{display:flex;gap:34px;align-items:center;font-size:14px;font-weight:600}.menu a:hover{color:var(--teal)}
.call{background:var(--teal);color:#fff;padding:11px 18px;border-radius:8px;font-weight:700}
.hero{max-width:1180px;margin:auto;display:grid;grid-template-columns:1fr 1.08fr;min-height:410px;align-items:center}
.hero-copy{padding:55px 25px 55px 30px}
.hero h1{font-size:43px;line-height:1.12;margin-bottom:18px}.hero p{font-size:17px;color:var(--muted);max-width:520px;margin-bottom:25px}
.actions{display:flex;gap:14px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 20px;border-radius:8px;font-weight:700;border:1px solid var(--teal)}.primary{background:var(--teal);color:#fff}.secondary{color:var(--navy);background:#fff}
.hero-img{height:410px;background:url("hero-reference.jpg") center/cover no-repeat}
.trust-strip{border-top:1px solid var(--border);border-bottom:1px solid var(--border);display:grid;grid-template-columns:repeat(3,1fr);max-width:1180px;margin:auto}
.trust-item{padding:25px 30px;display:flex;gap:14px;align-items:flex-start;border-right:1px solid var(--border)}.trust-item:last-child{border:0}
.icon{width:45px;height:45px;border-radius:50%;background:#e9f7f7;color:var(--teal);display:grid;place-items:center;font-size:22px;flex:none}
.trust-item h3{font-size:15px;margin-bottom:5px}.trust-item p,.card p{font-size:13px;color:var(--muted)}
section{padding:62px 20px}.section-inner{max-width:1120px;margin:auto}
.section-title{text-align:center;font-size:23px;margin-bottom:40px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:45px}.step{text-align:center;position:relative}.step:not(:last-child):after{content:"→";position:absolute;right:-34px;top:55px;color:#aab4bd;font-size:34px}
.num{width:31px;height:31px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;margin:0 auto 12px;font-weight:700}.step-icon{width:78px;height:78px;border-radius:50%;background:#eefafa;color:var(--teal);display:grid;place-items:center;font-size:32px;margin:auto auto 18px}.step h3{font-size:15px;margin-bottom:10px}.step p{font-size:13px;color:var(--muted);max-width:230px;margin:auto}
.issue-grid,.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.card{border:1px solid var(--border);border-radius:10px;padding:25px 17px;text-align:center;min-height:175px}.card .icon{margin:0 auto 15px}.card h3{font-size:14px;margin-bottom:8px}
.light{background:#fbfdfe}
.contact{border:1px solid var(--border);border-radius:10px;display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden}.contact-item{padding:20px;display:flex;align-items:center;gap:12px;border-right:1px solid var(--border);font-size:13px;font-weight:600}.contact-item:last-child{border:0}
footer{background:var(--navy);color:#fff;padding:35px 20px 20px}.footer-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:35px}.footer-title{font-size:20px;font-weight:800;margin-bottom:12px}.footer-title span{color:#28aeb1}.footer-col h4{margin-bottom:12px}.footer-col a{display:block;color:#e5edf8;font-size:13px;margin:7px 0}.footer-col a:hover{color:#6ed2d2}.copyright{max-width:1180px;margin:25px auto 0;border-top:1px solid #5a6e8c;padding-top:15px;text-align:center;font-size:11px;color:#d5deeb}
.sticky-phone{position:fixed;right:20px;bottom:20px;z-index:50;background:var(--teal);color:#fff;padding:13px 18px;border-radius:50px;box-shadow:0 8px 25px #0003;font-weight:800}
.page{max-width:900px;margin:auto;padding:70px 25px}.page h1{font-size:38px;margin-bottom:15px}.page h2{font-size:21px;margin:28px 0 10px}.page p,.page li{color:var(--muted);margin:8px 0}.page ul{padding-left:22px}
.mobile-toggle{display:none;font-size:25px;background:none;border:0;color:var(--navy)}
@media(max-width:900px){.menu{gap:16px}.hero{grid-template-columns:1fr}.hero-copy{padding:45px 25px}.hero-img{height:330px}.issue-grid,.trust-grid{grid-template-columns:repeat(2,1fr)}.footer-inner{grid-template-columns:1fr 1fr}.contact{grid-template-columns:repeat(2,1fr)}.contact-item{border-bottom:1px solid var(--border)}}
@media(max-width:650px){.nav{padding:12px 16px}.mobile-toggle{display:block}.menu{display:none;position:absolute;left:0;right:0;top:96px;background:#fff;padding:18px 20px;flex-direction:column;box-shadow:0 8px 20px #0001;z-index:20}.menu.open{display:flex}.menu .call{width:100%;text-align:center}.hero h1{font-size:34px}.hero-img{height:280px}.trust-strip,.steps,.issue-grid,.trust-grid,.contact,.footer-inner{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--border)}.step:not(:last-child):after{content:"↓";right:auto;top:auto;bottom:-42px;left:50%;font-size:28px}.steps{gap:60px}.card{min-height:auto}.contact-item{border-right:0}.footer-inner{gap:25px}.sticky-phone{left:15px;right:15px;bottom:12px;text-align:center}.page{padding:45px 20px}.page h1{font-size:31px}}