*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0D304E;--orange:#F06824;--white:#fff;--g50:#f9fafb;--g100:#f3f4f6;--g200:#e5e7eb;--g400:#9ca3af;--g600:#4b5563;--g800:#1f2937}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--g800);background:var(--white);line-height:1.6}
nav{position:sticky;top:0;z-index:100;background:var(--navy);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;min-height:64px;box-shadow:0 2px 12px rgba(0,0,0,.2);flex-wrap:wrap}
.logo{font-size:1.3rem;font-weight:800;color:#fff;text-decoration:none;letter-spacing:-.5px;height:64px;display:flex;align-items:center}
.logo span{color:var(--orange)}
.nav-links{display:flex;align-items:center;gap:.25rem;list-style:none}
.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.9rem;font-weight:500;padding:.4rem .75rem;border-radius:6px;transition:background .2s,color .2s}
.nav-links a:hover,.nav-links a.active{color:#fff;background:rgba(255,255,255,.1)}
.nav-right{display:flex;gap:.75rem;align-items:center}
.btn-login{color:rgba(255,255,255,.85);text-decoration:none;font-size:.9rem;font-weight:500;padding:.4rem .75rem;border-radius:6px;transition:background .2s}
.btn-login:hover{background:rgba(255,255,255,.1)}
.btn-cta{background:var(--orange);color:#fff;text-decoration:none;font-size:.9rem;font-weight:600;padding:.45rem 1.1rem;border-radius:6px;transition:opacity .2s}
.btn-cta:hover{opacity:.88}
.hamburger{display:none;background:none;border:none;cursor:pointer;color:#fff;font-size:1.5rem;line-height:1;height:64px;align-items:center;margin-left:auto}
@media(max-width:768px){
  .nav-links,.nav-right{display:none;width:100%}
  .hamburger{display:flex}
  nav.open .nav-links{display:flex;flex-direction:column;gap:.25rem;padding:.75rem 0;border-top:1px solid rgba(255,255,255,.1);align-items:flex-start}
  nav.open .nav-right{display:flex;flex-direction:row;gap:.75rem;padding:.75rem 0 1.25rem;align-items:center}
}
.wrap{max-width:1080px;margin:0 auto}
section{padding:5rem 2rem}
.lbl{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--orange);margin-bottom:.5rem}
.ttl{font-size:clamp(1.6rem,3.5vw,2.2rem);font-weight:800;color:var(--navy);line-height:1.2;margin-bottom:1rem}
.sub{color:var(--g600);font-size:1rem;line-height:1.7;max-width:560px}
.tc{text-align:center}.tc .sub{margin:0 auto}
.bg-gray{background:var(--g50)}
.bg-navy{background:var(--navy)}
.btn-p{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;font-weight:700;font-size:1rem;padding:.85rem 2rem;border-radius:8px;transition:opacity .2s,transform .2s}
.btn-p:hover{opacity:.9;transform:translateY(-1px)}
.btn-o{display:inline-block;background:transparent;color:#fff;text-decoration:none;font-weight:600;font-size:1rem;padding:.85rem 2rem;border-radius:8px;border:2px solid rgba(255,255,255,.35);transition:border-color .2s}
.btn-o:hover{border-color:rgba(255,255,255,.75)}
.btn-navy{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;font-size:.9rem;padding:.65rem 1.4rem;border-radius:7px;transition:opacity .2s}
.btn-navy:hover{opacity:.85}
.btn-orange{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;font-weight:600;font-size:.9rem;padding:.65rem 1.4rem;border-radius:7px;transition:opacity .2s}
.btn-orange:hover{opacity:.85}
.ph{background:var(--navy);color:#fff;padding:5rem 2rem;text-align:center}
.ph h1{font-size:clamp(1.8rem,4vw,2.75rem);font-weight:800;margin-bottom:1rem}
.ph p{font-size:1.05rem;color:rgba(255,255,255,.7);max-width:580px;margin:0 auto;line-height:1.7}
.ph-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-top:2rem}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem;margin-top:3.5rem}
.card{border:1.5px solid var(--g200);border-radius:12px;padding:1.75rem;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:0 8px 24px rgba(13,48,78,.09);transform:translateY(-2px)}
.card-icon{width:42px;height:42px;background:rgba(240,104,36,.1);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:1rem}
.card h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.4rem}
.card p{font-size:.875rem;color:var(--g600);line-height:1.6}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
@media(max-width:768px){.split{grid-template-columns:1fr;gap:2rem}}
.split-img{border-radius:14px;width:100%;box-shadow:0 12px 40px rgba(13,48,78,.15)}
.chk{list-style:none;display:flex;flex-direction:column;gap:.65rem;margin-top:1.25rem}
.chk li{display:flex;gap:.65rem;align-items:flex-start;font-size:.9rem;color:var(--g600)}
.chk li::before{content:'✓';color:var(--orange);font-weight:700;flex-shrink:0;margin-top:2px}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.25rem}
.fb{border:1.5px solid var(--g200);border-radius:12px;padding:1.5rem}
.fb-icon{font-size:1.3rem;margin-bottom:.65rem}
.fb h3{font-size:.975rem;font-weight:700;color:var(--navy);margin-bottom:.4rem}
.fb p{font-size:.86rem;color:var(--g600);line-height:1.6}
.cta-band{background:var(--orange);padding:4.5rem 2rem;text-align:center}
.cta-band h2{font-size:clamp(1.5rem,3.5vw,2rem);font-weight:800;color:#fff;margin-bottom:.75rem}
.cta-band p{color:rgba(255,255,255,.82);font-size:1rem;margin-bottom:2rem;max-width:480px;margin-left:auto;margin-right:auto}
.btn-w{display:inline-block;background:#fff;color:var(--orange);text-decoration:none;font-weight:700;padding:.85rem 2rem;border-radius:8px;font-size:.975rem;margin:.25rem;transition:opacity .2s}
.btn-w:hover{opacity:.92}
.btn-wo{display:inline-block;background:transparent;color:#fff;text-decoration:none;font-weight:600;padding:.85rem 2rem;border-radius:8px;font-size:.975rem;border:2px solid rgba(255,255,255,.5);margin:.25rem;transition:border-color .2s}
.btn-wo:hover{border-color:#fff}
.cb{background:var(--g50);border-top:1px solid var(--g200);border-bottom:1px solid var(--g200);padding:3rem 2rem;text-align:center}
.cb h2{font-size:1.3rem;font-weight:800;color:var(--navy);margin-bottom:.5rem}
.cb p{font-size:.925rem;color:var(--g600);max-width:460px;margin:0 auto 1.5rem;line-height:1.6}
footer{background:var(--navy);padding:3rem 2rem}
.f-inner{max-width:1080px;margin:0 auto}
.f-top{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2.5rem}
@media(max-width:768px){.f-top{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.f-top{grid-template-columns:1fr}}
.f-logo{font-size:1.2rem;font-weight:800;color:#fff;text-decoration:none;display:block;margin-bottom:.5rem}
.f-logo span{color:var(--orange)}
.f-tagline{font-size:.82rem;color:rgba(255,255,255,.45);line-height:1.5}
.f-col h4{font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:.75rem}
.f-col a{display:block;color:rgba(255,255,255,.55);text-decoration:none;font-size:.875rem;margin-bottom:.4rem;transition:color .2s}
.f-col a:hover{color:#fff}
.f-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.f-copy{font-size:.78rem;color:rgba(255,255,255,.3)}
.tab-bar{display:flex;gap:.5rem;justify-content:center;flex-wrap:wrap;margin-bottom:3rem}
.tab{padding:.5rem 1.2rem;border-radius:100px;border:1.5px solid var(--g200);background:#fff;color:var(--g600);font-size:.875rem;font-weight:600;cursor:pointer;transition:all .2s}
.tab.active{background:var(--navy);border-color:var(--navy);color:#fff}
.tab-pane{display:none}.tab-pane.active{display:block}